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2021-347-County Mgr-E-Voices Together-FY20-21 Outside agency funding
Voices Together Orange County Outside Agency Performance Agreement Revised 7/2018 Page 1 of 9 OUTSIDE AGENCY PERFORMANCE AGREEMENT THIS AGREEMENT, made and entered into the first day of July 2020, (“Effective Date”) by and between the County of Orange, a political subdivision of the State of North Carolina, Post Office Box 8181, Hillsborough, North Carolina, 27278, ("County") and Voices Together, a not-for-profit corporation, located at 88 Vilcom Center Dr., Suite 100, Chapel Hill, North Carolina 27514 (“Provider”). WITNESSETH: WHEREAS, it is in the interests of the County that said program be assisted by the County and thereby enhance its availability to residents of the County, and said program addresses an important community human services need, as identified by the Board of Commissioners. NOW, THEREFORE, in consideration of the above and the mutual covenants and conditions hereafter set forth, the County and Voices Together agree as follows: 1. Term of the Agreement. The term of this Agreement shall be a program year beginning July 1, 2020 to June 30, 2021. 2. Scope of Services. a. Provider will provide services, as outlined in the attached Outside Agency Funding Application and any amendments or revision thereto which is attached as Exhibit “A” and incorporated by reference, to the residents of Orange County. The Scope of Services and the Program Budget may be different from the original application based on County appropriation; however, any revisions or amendments to this Agreement must be approved in writing by the County and attached to this Agreement as Exhibit B. b. The Provider shall be solely responsible for the means, methods, techniques, sequence, safety program and procedures necessary to properly and fully complete the work set forth in the Scope of Services. 3. Funding. a. The County agrees to appropriate for the provision of services described in Exhibit A, Scope of Services and more particularly described in the Revised Program Budget, the maximum sum of $18,513. b. All funds appropriated shall be used for purposes described in Exhibit A. Any funds not used for the purposes stated shall be returned to the County. Any changes in the use of funds must be authorized in writing by the County prior to any expenditure of the funds by the Provider. If the funds are expended not in accordance with the Scope of Services, at the discretion of the County the Provider may be required to repay the funds to the County. c. The Provider shall be paid in four equal installments in the amount of $4,628.25. The first payment is contingent upon receipt of the agency’s performance agreement; the remaining payments are contingent upon receipt of the request for reimbursement and related supporting documentation. d. The County’s obligation to make the quarterly payments is contingent upon receipt of Progress Reports, which show satisfactory progress toward completion of performance measures and an accounting of expenditures as detailed in the attached Scope of Services. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Orange County Outside Agency Performance Agreement Page 2 of 9 Rev. 1/21 e. Once Provider has satisfied its obligations as provided in (d) payment will be made 21 days after receipt of the Progress Report and Request for Reimbursement or 21 days after due date of Progress Report whichever is later. f. The County is not obligated to provide any other support to Provider in this or in succeeding fiscal years. 4. Agency Reporting. a. Provider will provide Orange County a Progress Report that includes a fiscal report and updates on performance measures as outlined in the Scope of Services. Progress Report dates are: July 1 – December 31; January 1 – March 31 and April 1 - June 30. Reports are due on January 10, April 10, and July 10 of the program fiscal year. b. Provider agrees to allow the County to inspect its financial books and records, which document costs of those services, upon reasonable notice during normal working hours. 5. Termination. a. In the event of any of the circumstances set forth below (hereinafter referred to as “default”), the County may immediately terminate this Agreement, in whole or in part, and from time to time. Notice of termination must be in writing, state the reason or reasons for the termination, and specify the effective date of the termination: i. In the event that Provider shall cease to exist as an organization or shall enter bankruptcy proceedings, be declared insolvent, or liquidate all or substantially all of its assets, or significantly reduce its services or accessibility to Orange County residents during the term of this Agreement; or ii. In the event that Provider shall fail to render a satisfactory accounting as provided section 4 above, the County may terminate this Agreement and Provider shall return all payments already made to it by the County for services which have not been provided or for which no satisfactory accounting has been rendered; or iii. In the event of any fraudulent representation by the Provider in an invoice or other verification required to obtain payment under this Agreement or other dishonesty on a material matter relating to the performance of services under this Agreement. iv. Nonperformance, incomplete service or performance, or failure to satisfactorily perform any part of the work identified in the Scope of Services or to comply with any provision of this Agreement, as determined by the County in its sole discretion. v. Failure to adhere to the terms of applicable county, state or federal laws, regulations, or stated public policy. b. In the event of default by the Provider, the county may elect to terminate this Agreement, in whole or in part and/or require the Provider to repay the funds within ten (10) business days from written notice of default. The County may (but shall not be required to) grant the Provider an opportunity to cure the default without termination of this Agreement. This clause shall not be interpreted to limit the County’s remedies in law or in equity. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Orange County Outside Agency Performance Agreement Page 3 of 9 Rev. 1/21 c. Notwithstanding the foregoing, either party may terminate the agreement at any time without penalty; provided that written notice of such termination is furnished to the other party at least 30 days prior to termination. In the event of such termination, any payment due shall be prorated to the date of termination and any unused funds shall be returned to the County within 10 days of termination. d. Any termination of this Agreement for default under this section that is later deemed to be unjustified shall be deemed a termination for convenience. 6. Insurance. a. General Requirements. The Provider shall purchase and maintain, during the period of performance of this Agreement, insurance: i. Worker’s Compensation. For protection from claims under workers' or workmen's compensation acts; ii. Comprehensive General Liability Insurance covering claims arising out of or relating to bodily injury, including bodily injury, sickness, disease or death of any of the Consultant's employees or any other person and to real and personal property including loss of use resulting thereof; iii. Comprehensive Automobile Liability Insurance, including hired and non-owned vehicles, if any, covering personal injury or death, and property damage; and iv. Professional Liability Insurance, covering personal injury, bodily injury and property damage and claims arising out of or related to the performance under this Agreement by the Consultant or his agents, consultants and employees. b. Limits of Coverage: Minimum limits of insurance coverage shall be as follows: INSURANCE DESCRIPTION MINIMUM REQUIRED COVERAGE Worker's Compensation Limits for Coverage A - Statutory State NC & Coverage B - Employers Liability $500,000 each accident, disease policy limit and disease each employee Commercial General $1,000,000 Each Occurrence Liability $2,000,000 Aggregate Automobile Liability $500,000 Combined Single Limit Professional Liability $1,000,000 Each Occurrence $2,000,000 Aggregate c. All insurance policies (with the exception of Worker's Compensation and Professional Liability) required under this Agreement shall name the County as an additional insured party and as a certificate holder. Evidence of such insurance and all correspondence shall be sent to: Orange County Risk Manager Post Office Box 8181 Hillsborough, NC 27278 d. Nothing in this section is intended to affect or abrogate the County’s sovereign immunity defenses. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Orange County Outside Agency Performance Agreement Page 4 of 9 Rev. 1/21 7. Relationship of the Parties. Provider is an independent contractor of the County. Provider represents that they have or will secure, at his own expense, all personnel required in performing the services under this Agreement. Such personnel shall not be employees or have any contractual relationship with the County. All personnel engaged in work under this Agreement shall be fully qualified and shall be authorized and permitted under federal, state and local law to perform such services. 8. Compliance with all Laws. The Provider, at its sole expense, shall comply with all laws, ordinances, orders and regulations of the federal, state or local governments, as well as their respective departments, commissions, boards, and officers, which are in effect at the time of execution of this Agreement or are adopted at any time following execution of this agreement. 9. Subcontract. The County and Provider deem the services provided under this Agreement to be personal in nature and Provider may not subcontract any rights or duties under this Agreement to any other party without prior written consent from the County. 10. Assignment. The Provider shall not assign this Agreement, including the rights to payment, to any other party without the prior written consent of the County. 11. Indemnification. Provider agrees to defend, indemnify, and hold harmless the County, for all loss, liability, claims or expense (including reasonable attorney's fees) arising from bodily injury, including death or property damage, to any person or persons caused in whole or in part by the negligence or willful misconduct of the Provider, except to the extent same are caused by the negligence or willful misconduct of the County. It is the intent of this section to require Provider to indemnify the County to the extent permitted under North Carolina law. Nothing in this section is intended to affect or abrogate the County’s sovereign immunity defenses. 12. Non-Appropriation. This Agreement is subject to the availability of funds to purchase the specified services and may be terminated at any time if such funds become unavailable. 13. Non-Discrimination. Provider agrees as part of consideration of the granting of funds by Orange County the parties hereto for themselves, their agents, officials, employees and servants agree not to discriminate in any manner of these basis of race, color, gender, national origin, age, handicap, religion, sexual orientation, familial status or veterans status with reference to any activities carried out by the grantee, no matter how remote. The parties hereto further agree in all respects to conform to the provision and intent of Orange County Civil Rights Ordinance, as amended and the Orange County Non-discrimination Policy. This provision is enforced by action for specific performance, injunctive relief, or other remedy as by law provided; this provision shall be binding on the grantees, the successors and assigns of the parties hereto with reference to the above subject manner. 14. Living Wage. Orange County is committed to providing its employees with a living wage and encourages agencies if funds to pursue the same goal. The County’s living wage is $14.95 per hour. To the extent possible, Orange County recommends that Provider provide a living wage to its employees. 15. Notice. The Parties hereto agree and understand that written notice, mailed or delivered, to the last known address shall constitute sufficient notice to the County and the Provider. All notices required and/or made pursuant to this Agreement to be given to the County and the Provides shall be in writing and mailed to the party addressed as follows: County: Finance & Administrative Services Provider: Voices Together DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Orange County Outside Agency Performance Agreement Page 5 of 9 Rev. 1/21 16. Entire Agreement. This Agreement, including any referenced attachments, constitutes the entire Agreement between the parties and shall supersede, replace or nullify any and all prior Agreements of understandings; written or oral, relating to the matters set forth herein, and any such prior Agreements or understandings shall have no force or affect whatsoever on this Agreement. The County and Provider have read this Agreement and agree to be bound by all of its terms, and further agree that this Agreement constitutes the complete and exclusive statement of the Agreement between the County and Provider. 17. Severability. All clauses found herein shall act independently of each other. If a clause is found to be illegal or unenforceable, it shall have no effect on the other provisions of this Agreement. It is understood by the parties hereto that if any part, term or provision of this Agreement is by the Courts held to be illegal or in conflict with any laws of the State of North Carolina or the United States, the validity of the remaining portions or provisions shall not be affected, and the rights and obligations of the parties shall be construed and enforced as if the Agreement did not contain the particular part, term or provision held to be invalid. a. Governing Law. 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. By executing this Agreement Provider affirms that Provider and any subcontractors of Provider are and shall remain in compliance with Article 2 of Chapter 64 of the North Carolina General Statutes. By executing this Agreement Provider certifies that Provider has not been identified, and has not utilized the services of any agent or subcontractor, on the list created by the State Treasurer pursuant to G.S. 147-86.58. 18. Signatures. 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 11A and Article 40 of North Carolina General Statute Chapter 66. IN WITNESS WHEREOF, the Orange County and the Provider have signed this Agreement, effective on the last date this Agreement is signed by both parties as indicated by the dates set forth under signatures below. For and on behalf of the Provider _____________________________ _______________________ Yasmine White, CEO Date For and on behalf of Orange County Government _______________________________ ________________________ Bonnie Hammersley, County Manager Date Orange County Post Office Box 8181 Hillsborough, NC 27278 88 Vilcom Center Dr., Suite 100 Chapel Hill, NC 27514 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 6/30/2021 6/30/2021 Orange County Outside Agency Performance Agreement Page 6 of 9 Rev. 1/21 ORANGE COUNTY—DEPARTMENT USE ONLY ______________________________________________________________________________ Party/Vendor Name: Voices Together Party/Vendor Contact Person: Yasmine White Contact Phone: 919-260-5211 Party/Vendor Address: 88 Vilcom Center Dr., Suite 100 City Chapel Hill State: NC Zip: 27514 Department: County Manager Amount: $18,513 Purpose: FY20-21 Outside Agency Funding Budget Code(s): 10495050 719066 Vendor # 62051 (N/A if new vendor) Vendor is a BOCC consultant? Yes No Contract Type: (Check one) New Renewal Amendment Effective Date Approved by Board Yes No Agenda Date: This agreement is approved as to technical form and content and I as Department Director affirmatively state work on this project has not been initiated prior to execution of the agreement: Department Director’s Signature ________________________________________ Date: ________ Agreements for emergency services or repair are not subject to the above affirmation. If services related to this agreement have already begun or been completed please briefly describe the nature of the emergency condition that was addressed: Turnover in original department generating contract. Information Technologies (Applicable only to hardware/software purchases or related services) This agreement has been reviewed and is approved as to information technology content and specifications: Office of the Chief Information Officer___________________________________ Date: ________ Risk Management This agreement is approved for sufficiency of insurance standards, specifications, and requirements: Office of the Risk Management Officer___________________________________ Date: _________ Financial Services This instrument has been pre-audited in the manner required by the Local Government Budget and Fiscal Control Act: Office of the Chief Financial Officer ____________________________________ Date: _________ Legal Services This agreement is approved as to legal form and sufficiency: Office of the County Attorney __________________________________________Date: ________ Clerk to the Board Received for record retention: All Docusign contracts must be copied to the Clerk upon completion: occlerkdocs@orangecountync.gov The following signature block is for hard copies only and is not required for Docusign contracts: Office of the Clerk to the Board __________________________________________Date:_________ DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 6/30/2021 6/30/2021 6/30/2021 6/30/2021 Orange County Outside Agency Performance Agreement Page 9 of 9 Rev. 1/21 ATTACHMENT “A” Orange County Certifications – FY 2020-21 Outside Agency Performance Agreement Chief Contact, Administrators, Chief Executive Officer and Chief Financial Officer I certify that I have provided a list of the chief contact, administrators, chief executive officer and chief financial officer for my agency with this Agreement and that I will keep it current to the County of Orange. The list should be in writing with the name, title, residential address; phone and email address and if possible, fax number. Officers and Board of Directors I certify that I have provided a current list of the Officers and Board of Directors with this Agreement and that we will continue to update the list as changes occur. The list should be in writing, with the name, physical address, mailing address and if possible, phone, fax and email address. Budget Submission I certify that I have provided a budget for the period to be covered by funding Orange County, and that any substantive changes made to this budget have been in advance authorized in writing by Orange County. Annual Financial Review I certify that I have provided a copy of the latest annual Financial Review for our agency and the budget adopted by the agency for the fiscal years encompassing this Agreement. If not, please explain on a separate sheet of paper. Alignment with Organization’s Mission I certify that the programs and services for which this funding is requested align with the mission of the organization. Intended Purpose I certify that the funds provided to the agency under the terms of this Agreement will be used for a public purpose and shall only be used for the purposes intended and any money not used for those purposes will be promptly returned to Orange County. Certified by: _______________________ Title: __________________________ Date: ___________ (Provider’s Signature) DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CEO 6/30/2021 Cover Page Page 6 of 21 COVER PAGE Applicant Contact Information Applicant Organization’s Legal Name: Voices Together Applicant Organization’s Physical Address: 88 Vilcom Center Dr. Ste. 100, Chapel Hill, NC 27514 Applicant Organization’s Mailing Address: same as above Applicant Organization’s Web Address: https://www.voicestogether.net Executive Director: Yasmine White Telephone Number: 9199422714 E-Mail: info@voicestogether.net Tax ID Number: Funding Request Please list all Fiscal Year 2021 Human Services (HS) funding requested for all programs and the proposed use of funds (please list program name only) Program Carrboro - HS Chapel Hill - HS Orange County-HS Total Voices Together specialized music therapy program $20,000 $20,000 Totals $20,000 Briefly explain your proposed use of funds: To the best of my knowledge and belief all information and data in this application is true and current. The document has been duly authorized by the governing board of the applicant. Signature: 1-14-2020 Executive Director Date Signature: 1-14-2020 Board Chairperson Date To provide our specialized music therapy program (VOICSSä) to students and adults in Orange County with developmental disabilities to help them transform their own lives. EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Cover Page Page 7 of 21 DISCLOSURE OF POTENTIAL CONFLICTS OF INTEREST AND NON DISCRIMINATION CLAUSE Are any of the Board Members or employees of the agency which will be carrying out this program or members of their immediate families, or their business associates. YES NO a) Employees of or closely related to employees of the Town of Carrboro, the Town of Chapel Hill, or Orange County? b) Members of or closely related to members of the governing bodies of the Town of Carrboro, the Town of Chapel Hill, or Orange County? c) Current beneficiaries of the program for which funds are being requested? d) Paid providers of goods or services to the program or having other financial interest in the program? If you have answered YES to any question, please provide a full explanation below. NON-DISCRIMINATION Provider agrees as part of consideration of the granting of funds by funding agencies to the parties hereto for themselves, their agents, officials, employees and servants agree not to discriminate in any manner of these basis of race, color, gender, national origin, age, handicap, religion, sexual orientation, gender identity/expression, familial status or veterans status with reference to any activities carried out by the grantee, no matter how remote. The parties hereto further agree in all respects to conform to the provision and intent of Orange County Civil Rights Ordinance, as amended and the Orange County Anti-discrimination Policy. This provision is enforced by action for specific performance, injunctive relief, or other remedy as by law provided; this provision shall be binding on the grantees, the successors and assigns of the parties hereto with reference to the above subject manner. To the best of my knowledge and belief all of the above information is true and current. I acknowledge and understand that the existence of a potential conflict of interest does not necessarily make the program ineligible for funding, but the existence of an undisclosed conflict may result in the termination of any grant awarded. Signature: 1-14-2020 Executive Director Date Signature: 1-14-2020 Board Chairperson Date EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Program information Page 8 of 21 AGENCY INFORMATION Please provide the following information about your agency: 1. Date of Incorporation (Month/Year): March 2007 2. Agency’s Purpose/Mission (no more than a few sentences): Voices Together’s mission is to empower individuals with developmental disabilities to transform their own lives. Since 2007, Voices Together's innovative model (VOICSSä) has successfully focused on increasing language skills, improving social engagement, and promoting self-advocacy. 3. Please provide a brief description of your organization’s past achievements in carrying out similar projects and evidence of successful record of meeting proposed budgets and timetables (no more than 100 words). Voices Together (VT) developed an innovative music therapy-based model with strong data through research from Duke University Center for Autism and Brain Development and many other Duke research teams. With over $500,000 in grant funds to complete research in public school classrooms, from the Kenan Trust for 2.5 years, programs were developed and refined. VT continues to receive $75k+from regional foundations for programming across NC. Based on previous successful implementation, strong research, and experience in school systems, a $1.2 million contract was awarded to VT to assist with high school student transition services through NC Dept. of Vocational Rehabilitation Services. 4. Living Wage: Does this agency pay permanent employees a minimum living wage? (Yes / No) Yes If yes, is this agency an Orange County Living Wage Certified Employer? No If no, please briefly explain. Voices Together just relocated its office back to Orange County from Durham County two weeks ago. Now that we are in Orange County again, we will review the process of applying to become an OC Living Wage Certified Employer. Voices Together has a highly professional staff and we offer 100% paid healthcare, generous paid vacation, sick leave, and is competitive with wages for our positions. Schedule of Positions: # of FTE – Full-Time Paid Positions: _15_ # of FTE – Part-Time Paid Positions: _2_ PROGRAM INFORMATION *Please submit for each program if applying for funding for more than one program. 5. Program Name: VOICSSä in Education Program Primary Contact and Title: John Mitterling, Director of Development Telephone Number: 919-942-2714 ext. 106 E-Mail: john@voicestogether.net EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Program information Page 9 of 21 6. Please briefly describe the proposed program, including an explanation of how it aligns with the Town of Chapel Hill and Carrboro’s Results Framework, and Orange County BOCC Goals and Priorities, and the target population to benefit from the program. (100 words or less) Voices Together's program embraces all children diagnosed with any developmental disability and combines the power of music with a strong educational and therapeutic technique. This model works to increase language and communication skills and promote self-advocacy so each child can succeed in their education goals and reach their maximum potential. 7. Target Population: Please complete the table below with numbers (not percentages) of individuals served and projected to be served. Program Target Population Demographics Projected 2018-19 Actual 2018-19 Projected 2019-20 Projected 2020-21 Gender Men 55 55 387 535 Women 30 30 360 438 Nonbinary/Genderqueer 0 0 0 0 Self-Describe 0 0 1 0 Total 85 85 748 973 Race and Ethnicity Black or African-American 15 15 134 178 American Indian or Alaska Native 0 0 0 0 Asian 0 0 10 48 White 45 45 603 550 Native Hawaiian or other Pacific Islander 0 0 0 1 Two or more races 1 4 Some other race Total 75 75 748 781 Of the above, how many Hispanic/Latino 14 14 186 192 Of the above, how many non-Hispanic/Latino 0 0 562 781 Total 14 14 748 973 Age 0-5 years 40 40 20 75 6-18 years 38 38 382 188 19-50 years 7 7 341 700 51+ years 0 0 5 10 Total 85 85 748 973 Geographic Location Town of Chapel Hill 0 0 24 30 Town of Carrboro 0 0 0 0 EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Program information Page 10 of 21 Orange County ( Outside of Chapel Hill/Carrboro) 85 85 74 80 Outside of Orange County 256 256 650 863 Total 341 341 748 973 Income Low-income (80% of the Area Median Income and Below) Please see income table in the attachments 167 167 Total 167 167 377 477 * Town of Chapel Hill estimate represents individuals that comprise a Chapel Hill high school program which is administered through a NC Dept. of VR contract and two adult programs located in the town of Chapel Hill. ** Outside of OC estimate represents all other individuals served in other Voices Together programs. 8. Cost Per Individual This cost per individual must reflect the total program budget divided by the total number of program individuals in this application. Actual 2018-19 Projected 2019-20 Projected 2020-21 Total Cost of Program 17,500.00 18,250.00 20,000.00 Total # of Individuals 40 48 60 Cost Per Individual $437 $380 $334 9. Performance Indicators For Chapel Hill and Carrboro applicants: Please complete the following chart with information about the Strategic Objective, Intermediate Result, and the Agency Performance Indicator for each program for which you are applying for funding. Please see the Results Framework in the Attachments section as a reference. Program Name: N/A: we are applying only for Orange County funding. Strategic Objective (please choose one from the Results Framework) o Children improve their educational outcomes o Residents Increase their livelihood security o Residents improve their health outcomes Intermediate Result (please choose one from the Results Framework) Insert Intermediate Result here. RESULTS Actual 2018-19 Projected 2019-20 Projected 2020-21 Performance Indicators Insert Performance Indicator here. EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Program information Page 11 of 21 (Please choose at least one performance indicator to report on from the Results Framework, and add additional performance indicators that you would like to report to the Towns. Please insert additional rows as needed, listing one per row). EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Outside Agencies/Human Services Program information Page 12 of 21 Please use the drop down menu below to select which function area best aligns with your agency and program(s) in which you are requesting funding. Please select only one from the drop down menu below. Behavior Health If you selected other, please tell us what function area best aligns with your organization: Please indicate three program goals/performance measures below. A few notes: • If you use percentages, please put the actual number equivalence. • Please ensure your performance measures are outcome based and not outputs. Program Goal # 1 Increased language skills Performance Measure (How will you accomplish your goal?) Number of students who have increased their language and vocalization Actual Results (Outcome) Ending FY18-19 N/A because of change in evaluation method Projected Results (Outcome) Ending FY2020 2 out of 8 Projected Results (Outcome) Ending FY2021 3 out of 9 Program Goal # 2 Increased leadership skills (self-advocacy) Performance Measure (How will you accomplish your goal?) Number of students who have increased their ability to ask for help Actual Results (Outcome) Ending FY18-19 N/A because of change in evaluation method Projected Results (Outcome) Ending FY2020 2 out of 8 _________________ EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Outside Agencies/Human Services Program information Page 13 of 21 Projected Results (Outcome) Ending FY2021 3 out of 9 Program Goal # 3 Increased emotional expression Performance Measure (How will you accomplish your goal?) Number of students who have increased their ability to express emotions verbally and non-verbally Actual Results (Outcome) Ending FY18-19 N/A because of change in evaluation method Projected Results (Outcome) Ending FY2020 3 out of 8 Projected Results (Outcome) Ending FY2021 3 out of 9 EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 FY 2018-19 Agency Budget Actual Estimated Projected Percent 54,303$ 105,000$ 110,000$ 5% 70,879$ 66,000$ 85,000$ 29% -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 18,250$ 18,513$ 20,000$ 8% -$ -$ -$ 0 4,812.50$ 5,000.00$ 5,000.00$ -$ 734,004.00$ ####################0.19$ -$ -$ -$ 0 Private Foundation Grants 55,906.00$ 75,000.00$ 100,000.00$ 0.33$ 0 938,154$ 1,612,323$ 1,920,000$ 19% 693,998$ 1,090,968$ 1,343,000$ 23% 55,211$ 91,156$ 95,400$ 5% 10,693$ 68,000$ 60,000$ -12% 2,854$ 3,500$ 5,000$ 43% 19,665$ 322,200$ 325,000$ 1% 782,422$ 1,575,824$ 1,828,400$ 16% 155,732$ 36,499$ 91,600$ 151%SURPLUS/(DEFICIT) FOR PERIOD: AGENCY EXPENSES Compensation Rent & Utilities Supplies & Equipment Travel & Training Other Expenses: Total Agency Expenses Other Revenue Total Agency Revenue Human Services - Town of Carrboro Other - Town of Carrboro State Government-NCDVR Federal Government (CDBG/HOME/etc.) Human Services - Town of Chapel Hill Other - Town of Chapel Hill Human Services - Orange County Other - Orange County Other - Town of Hillsborough Other Government Grants Other County Grants AGENCY REVENUE Private Donations Agency Generated Revenue (fees) Local Government Grants: Agency Budget Operating Budget for Entire Agency AGENCY NAME:Voices Together EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 FY 2018-19 Program Budget Actual Estimated Projected Percent -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 18,250$ 18,513$ 20,000$ 8% -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 -$ -$ -$ 0 Private Foundation Grants 17,500.00$ 20,000.00$ 30,000.00$ 0.50$ -$ -$ -$ 0 35,750$ 38,513$ 50,000$ 30% 34,300$ 36,663$ 47,700$ 30% 1,000$ 1,250$ 1,500$ 20% 250$ 350$ 500$ 43% 200$ 250$ 300$ 20% -$ -$ -$ 0 35,750$ 38,513$ 50,000$ 30% -$ -$ -$ 0 Program Budget Operating Budget for Program PROGRAM NAME:Voices Together PROGRAM REVENUE Private Donations Program Generated Revenue Local Government Grants: Human Services - Town of Carrboro Other - Town of Carrboro State Government Federal Government (CDBG/HOME/etc.) Human Services - Town of Chapel Hill Other - Town of Chapel Hill Human Services - Orange County Other - Orange County Other - Town of Hillsborough Other Government Grants Triangle United Way Other Revenue Total Program Revenue SURPLUS/(DEFICIT) FOR PERIOD: PROGRAM EXPENSES Compensation Rent & Utilities Supplies & Equipment Travel & Training Other Expenses: Total Program Expenses EXHIBIT A: PROVIDER'S OUTSIDE AGENCY APPLICATION DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Certified by: Title: CEO and Founder Date: 6/30/2021 (Provider’s Signature) EXHIBIT “B” Scope of Services – FY 2020-21 Outside Agency Performance Agreement Agency Name: Voices Together Program Name: VOICSS® in Education Funding Award: $18,513 Outline how the agency will spend Orange County’s funding award. Program Services Outline the critical services (activities) the agency will employ to attain the Anticipated Outcomes below, by June 30, 2021. Provide weekly VT sessions by Board-Certified music therapists for students in select Orange County EC classrooms. Support the development for student’s communication skills by increasing their ability to speak so others can understand them and in their ability to actively listen. Promote learning in classrooms so skills acquired in-classroom could be generalized outside of the classroom. Anticipated Outcomes The Anticipated Results column must include quantifiable results in the form of number of persons/units served within Orange County, only (all Towns and municipalities). If you use percentages, you must also provide the total number of participants within that measure’s description or for an earlier performance measure. Performance Measures Anticipated Results Number of students who have increased their language and vocalization 3 out of 9 Number of students who have increased their ability to ask for help 3 out of 9 Number of students who have increased their ability to express emotions verbally and non- verbally 3 out of 9 Expense Description Amount Compensation $14,943 Rent and Utilities $2,920 Program Supplies and Equipment $400 Travel Mileage $250 $18,513 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 IMPORTANT POLICY INFORMATION ENCLOSED Broker Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 : September 10, 2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 09/10/2020Date: To: From:Underwriting Department, AMS Voices Together (35634) Re:Please review your renewal policies IMPORTANT INFORMATION ABOUT YOUR RENEWAL POLICY Thank you for renewing your policy with Alliance of Nonprofits for Insurance - Risk Retention Group, a member of the Nonprofits Insurance Alliance Group. Because your policy met our eligibility criteria, your broker elected to have your policy automatically renewed. That means the policy was renewed with the same coverages, limits, and locations as the expiring policy. Please confirm your policy is accurate. It is especially important to consider any changes since your last policy renewal. This could include buying or selling property, hiring employees for the first time, buying or selling vehicles, changes in location, and adding or changing programs or operations. If you have questions or need to make corrections to your policy, please contact your insurance broker. We offer many coverages specifically designed for the nonprofit sector. If you feel you may not be adequately covered or simply would like to learn more about our coverages, please talk to your insurance broker or visit our website at www.insurancefornonprofits.org. Thank you. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Dear ANI Member, Your insurance broker has put your policy on our Direct Bill Program. We have developed this more flexible billing system in response to feedback from our members. Each month you will receive a statement documenting recent activity on your account. Similar to a credit card statement, you will have the choice to pay off the entire balance or make the minimum payment. Your first statement will require a minimum payment of 20% of the total annual premiums. The second through ninth statements will require a minimum payment of approximately 10% of the total annual premiums, plus any unpaid portion of the previous minimum payment. In addition, the minimum payment will reflect adjustments for changes in coverage, and a monthly finance charge. Please note that a simple finance charge equivalent to 3.00 % APR will be applied each month to any unpaid balances (excluding NAE Property and QBE Accident). This charge will be itemized in the detail section of each statement. We hope this more flexible payment method meets the needs of your organization. If you have any questions or comments, feel free to call our finance department at 800-359-6422, ext. 6007. Sincerely, Kimberly Aday CFO & Treasurer DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Including ALLIANCE OF NONPROFITS FOR INSURANCE (ANI) & NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA (NIAC) www.insurancefornonprofits.org Claims Reporting Procedure REPORT CLAIMS IMMEDIATELY! There is no negative impact on your policy for reporting an incident. When in doubt – report it! If you have any questions concerning whether to report an incident or claim, call your broker. HOW DO YOU KNOW WHEN AN INCIDENT REQUIRES A CLAIM TO BE REPORTED? 1. There’s been an accident 2. Someone has been hurt 3. Property has been damaged 4. You think someone ought to know “just in case” IF YOU NEED TO REPORT A CLAIM: 1. Complete the appropriate reporting form: • Driver Accident Report Form – motor vehicle accident • Incident Report Form – all other accidents An original of these forms follows this page of your policy. Additional forms are available at our secure website: www.insurancefornonprofits.org. NOTE: Claims for North American Elite Property Insurance or NIAC Property Insurance do not require a separate form. Your insurance broker will send us an ACORD claim form. 2. Tell your insurance broker to report the claim to our Claims Department by email at: newclaims@insurancefornonprofits.org EMERGENCY SITUATIONS If you need to report a claim during non-business hours and cannot reach your broker, call 1-866-718-1947. This number should only be used for true claims emergencies. Rev. 07/2016 Page 1 of 1 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Including ALLIANCE OF NONPROFITS FOR INSURANCE (ANI) & NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA (NIAC) www.insurancefornonprofits.org Rev. 10/2014 Page 1 of 3 Incident Report Form CLAIMS REPORTING PROCEDURE If you have a question concerning whether to report an incident or claim, call your broker. NONPROFIT / INSURED --- Complete all items to the best of your ability, sign and date page 2, and immediately give it to your supervisor. Supervisor --- Fax this Incident Report Form to your insurance broker immediately. Important: Retain any equipment or furniture which caused or contributed to an injury until it can be inspected by an insurance representative. BROKER --- Refer to our website for instructions on claim reporting. If a claim needs to be reported after business hours or on the weekend, call (866) 718-1947. This number is reserved for true claims emergencies after business hours and weekends. General Information Name of Nonprofit Organization ANI/NIAC Policy Number Name of Contact Title Nonprofit Address --- Street City State Zip Business Phone # Ext. ( ) Business Fax # ( ) E-mail Address Incident Information Date of Incident Day of Week (circle one) Mon Tue Wed Thurs Fri Sat Sun Time of Incident AM / PM Did the incident occur on organization’s premises? Yes No Location of Incident (if possible, take pictures of the area with a digital or disposable camera) Description of Incident (A brief factual account of the incident; include who was involved, how the incident occurred and what action is being taken in response to the incident. Use the back of the sheet if more space is needed.) Witness Information Name and Address Daytime Phone Email Address DOB 1. 2. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Rev. 10/2014 Page 2 of 3 Claimant Information 1. Name of Injured Party DOB Employee Client Volunteer Visitor Other --- Address --- Street City State Zip Home Phone # Business Phone # Email Address ( ) ( ) Description of Injury (nature and extent of; please be specific): Transported by Ambulance Yes No Name and Phone # of Hospital or Doctor, if applicable Observations of Nonprofit Claimant’s Attire/Description of Clothing (i.e., shorts, t-shirt) Type of Shoes Was Claimant carrying anything? (if yes, what) No Yes --- Describe claimant’s demeanor when making the report (i.e., agitated, in obvious or no obvious pain, able to move around while describing what happened, etc.) (use the back of the form or attach an additional sheet of paper if needed) Claimant Information 2. Name of Injured Party DOB Employee Client Volunteer Visitor Other --- Address --- Street City State Zip Home Phone # Business Phone # Email Address ( ) ( ) Description of Injury (nature and extent of; please be specific): Transported by Ambulance Yes No Name and Phone # of Hospital or Doctor, if applicable Observations of Nonprofit Claimant’s Attire/Description of Clothing (i.e., shorts, t-shirt) Type of Shoes Was Claimant carrying anything? (if yes, what) No Yes --- Describe claimant’s demeanor when making the report (i.e., agitated, in obvious or no obvious pain, able to move around while describing what happened, etc.) (use the back of the form or attach an additional sheet of paper if needed) PRINT NAME OF INDIVIDUAL COMPLETING THE FORM SIGNATURE DATE DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Including ALLIANCE OF NONPROFITS FOR INSURANCE (ANI) & NONPROFITS INSURANCE ALLIANCE OF CALIFORNIA (NIAC) www.insurancefornonprofits.org Rev. 10/2014 Page 1 of 3 Driver’s Collision Report Form IN THE EVENT OF A COLLISION: NONPROFIT / INSURED Driver --- Complete all items to the best of your ability, sign and date page 3, and immediately give it to your supervisor. Supervisor --- Fax this Driver’s Collision Report form to your insurance broker immediately. BROKER Refer to our website for instructions on claim reporting. If a claim needs to be reported after business hours or on the weekend, call (866) 718-1947. This number is reserved for true claims emergencies after business hours and weekends. Driver/Vehicle Information Name of Driver (first and last) Driver’s Age Driver License No. State Driver’s Address --- Street City State Zip Telephone No. ( ) Name of Nonprofit / Employer ANI/NIAC Policy Number Nonprofit/Employer Contact Name Contact Email Address Nonprofit / Employer Address --- Street City State Zip Telephone No. Make of Nonprofit’s Vehicle Body Type Year License Plate # V.I.N. (last four digits) Damage to Nonprofit’s Vehicle: Collision Information Date of Collision Day of Week (circle one) Mon Tue Wed Thurs Fri Sat Sun Time of Collision AM / PM Location - Street or Highway & City On what street were you driving? Direction (circle one) N S E W Speed (approximate) On what street was other vehicle driving? Direction (circle one) N S E W Speed (approximate) Police Report? Yes No If yes, name of reporting officer Agency Citation/Report # Witness #1 Name (first and last) Telephone No. ( ) Email Address Witness #2 Name (first and last) Telephone No. ( ) Email Address DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Rev. 10/2014 Page 2 of 3 Description of Collision (include weather and road conditions): (Use the back of this sheet if additional space is needed; please use the diagrams on page 3 to draw the collision) Passenger(s) in Your Vehicle (attached additional pages if needed) Name (first and last) Telephone No. ( ) Email Address Age Injuries? Yes No Name Telephone No. ( ) Email Address Age Injuries? Yes No Name Telephone No. ( ) Email Address Age Injuries? Yes No Ambulance called to scene? Yes No Name of doctor or hospital Other Vehicle Involved Name of Driver (first and last) Driver License No. State Address - Street City/State/Zip Telephone No. ( ) Email Address Name of Vehicle Owner (if different than above) Telephone No. ( ) Email Address Name of Insurance Company Policy # Telephone No. ( ) Year/Make of Vehicle Body Type License Plate No. State Damage to Vehicle: Passenger’s Name (first and last) Telephone No. ( ) Email Address Age Injuries? Yes No Passenger’s Name (first and last) Telephone No. ( ) Email Address Age Injuries? Yes No Other Vehicle Involved (if any) Name of Driver (first and last) Driver License No. State Address - Street City/State/Zip Telephone No. ( ) Email Address Name of Vehicle Owner (if different than above) Telephone No. ( ) Email Address Name of Insurance Company Policy # Telephone No. ( ) Year/Make of Vehicle Body Type License Plate No. State Damage to Vehicle: Passenger’s Name (first and last) Telephone No. ( ) Email Address Age Injuries? Yes No Passenger’s Name (first and last) Telephone No. ( ) Email Address Age Injuries? Yes No DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Rev. 10/2014 Page 3 of 3 On the diagrams below, please draw the collision. Legend: N (Be sure to include any stop signs or traffic signals.) V 1 Your Vehicle V 2 Other Vehicle W E V 3 Other Vehicle (if any) S ▌ ▐ ▌ ▐ ▌ ▐ ▌ ▐ ▌ ▐ ▌ ▌ ▌ ▌ ▌ ▌ ▌ ▌ ▌ ▌ On the overhead diagrams below, please indicate the location of damage to your vehicle, if any. back ------------ VAN ------------ front back ------------ AUTO ----------- front SIGNATURE OF DRIVER DATE DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 RENEWAL OF NUMBER: 2019-35634 POLICY NUMBER:2020-35634PRODUCER: COMMERCIAL LINES COMMON POLICY DECLARATIONS Voices Together NAME OF INSURED AND MAILING ADDRESS: 88 Vilcom Center Dr. Suite 100 Chapel Hill, NC 27514 POLICY PERIOD:FROM 10/10/2020 TO 10/10/2021 AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE BUSINESS DESCRIPTION: Therapeutic music program for people with developmental disabilities IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THESE PREMIUMS MAY BE SUBJECT TO ADJUSTMENT. PREMIUM $664COMMERCIAL GENERAL LIABILITY COVERAGE PART - OCCURRENCE ..............................................................$250COMMERCIAL AUTO LIABILITY COVERAGE PART ............................ .........................$1,148IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE COVERAGE PART $840SOCIAL SERVICE PROFESSIONAL COVERAGE PART .......................................................... Not Covered................................................................................TERRORISM COVERAGE (Certified Acts) INCLUDED............................................................COMMERCIAL LIQUOR LIABILITY COVERAGE PART $2,902TOTAL: FORM(S) AND ENDORSEMENT(S) MADE A PART OF THIS POLICY AT TIME OF ISSUE:* ANI-E003 GL 08 20, ANI-E069 GL 02 19, ANI-E078 12 18, ANI-E120 09 19, ANI-E123 09 19, ANI-RRG-AL 04 01, ANI-RRG-E11 GL 09 19, ANI-RRG-E15 01 17, ANI-RRG-E22 09 19, ANI-RRG-E25 12 15, ANI-RRG-E26 11 17, ANI-RRG-E28 01 99, ANI-RRG-E29 12 09, ANI-RRG-E33 GL 09 19, ANI-RRG-E34 09 18, ANI-RRG-E42 GL 09 19, ANI-RRG-E5 07 15, ANI-RRG-E56 01 17, ANI-RRG-E59 02 12, ANI-RRG-E60 07 12, ANI-RRG-E61 02 19, ANI-RRG-E67 08 17, ANI-RRG-E70 03 19, ANI-RRG-E72 01 17, ANI-RRG-E74 03 14, ANI-RRG-GL 04 01, ANI-RRG-LL 04 01, ANI-RRG-NPO-001 05 20, ANI-RRG-SC 04 01, ANI-RRG-X1 06 18, CG 00 01 04 13, CG 00 33 04 13, CG 20 10 04 13, CG 20 12 04 13, CG 20 18 04 13, CG 20 20 11 85, CG 20 21 07 98, CG 20 26 04 13, CG 20 34 04 13, CG 20 37 04 13, CG 21 09 06 15, CG 21 47 12 07, CG 21 73 01 15, CG 21 96 03 05, CG 24 07 01 96, IL 00 17 11 98, IL 00 21 09 08, IL 02 69 09 08, SCHEDULE BA 01 80, SCHEDULE G 01 80, SCHEDULE L 01 80 BY *Omits applicable forms and endorsement if shown in specific coverage part / coverage form declarations. These declarations and the common policy declarations, if applicable, together with the common policy conditions, coverage form(s) and forms and endorsements, if any, issued to form a part thereof, complete the above numbered policy. "NOTICE This policy is issued by your risk retention group. Your risk retention group may not be subject to all of the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." ANI-RRG-CO (AUTHORIZED REPRESENTATIVE) 09/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 2019-35634 2020-35634 RENEWAL OF NUMBER: POLICY NUMBER:PRODUCER: COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS NAME OF INSURED AND MAILING ADDRESS: Voices Together LIMITS OF COVERAGE: $2,000,000GENERAL AGGREGATE LIMIT (OTHER THAN PRODUCTS - COMPLETED OPERATIONS) $2,000,000..........................PRODUCTS - COMPLETED OPERATIONS AGGREGATE LIMIT $1,000,000....................................................PERSONAL AND ADVERTISING INJURY LIMIT $1,000,000..................................................................................EACH OCCURRENCE LIMIT $500,000 88 Vilcom Center Dr. Suite 100 Chapel Hill, NC 27514 POLICY PERIOD:10/10/2021TO10/10/2020FROM AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE Therapeutic music program for people with developmental disabilitiesBUSINESS DESCRIPTION: IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY. .........................................................DAMAGE TO PREMISES RENTED TO YOU any one premises ADDITIONAL COVERAGES: MEDICAL EXPENSE LIMIT ....................................................................................$20,000 any one person PREMIUM FORMS AND ENDORSEMENTS APPLICABLE TO THIS POLICY ARE INCLUDED IN COMMERCIAL LINES COMMMON POLICY DECLARATIONS BY (AUTHORIZED REPRESENTATIVE) THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY. $1,504 09/10/2020 "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." ANI-RRG-GL DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY EXTENSION OF DECLARATIONS POLICY NUMBER: NAME OF INSURED: 2020-35634 Schedule G 1Page Voices Together PREMISES CODE/CLASS *LOC PREMIUM BASIS RATE *ADVANCED PREMIUM $12199718/Theatrical Companies - traveling - includes products and/or completed operations 3.5961 33,600 $2549185/Theaters - NOC - NFP 47.4931 525 ADDITIONAL COVERAGES Increased Aggregate $73 Additional Premium to Meet Minimum $445 *See Common Declarations for Total Advanced Premium and Schedule 'L' for locations. BY (AUTHORIZED REPRESENTATIVE) ANI - RRG - SCHEDULE G "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." 9/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Voices Together COMMERCIAL GENERAL LIABILITY EXTENSION OF DECLARATIONS POLICY NUMBER: NAME OF INSURED: 2020-35634 Schedule L Page 1 PREMISES LOC/BLDG DESIGNATED PREMISES ADDRESS, CITY, STATE, ZIP ADDITIONAL INSUREDS AND OTHER INTERESTS 88 Vilcom Center Drive, Suite 100 Chapel Hill, NC 27514 1 BY (AUTHORIZED REPRESENTATIVE) ANI-RRG - SCHEDULE L "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." 09/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE PART DECLARATIONS PRODUCER:POLICY NUMBER: Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 2020-35634 RENEWAL OF NUMBER: 2019-35634 NAME OF INSURED AND MAILING ADDRESS: Voices Together 88 Vilcom Center Dr. Suite 100 Chapel Hill, NC 27514 POLICY PERIOD: FROM TO AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE BUSINESS DESCRIPTION: IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY. LIMITS OF COVERAGE: GENERAL AGGREGATE LIMIT EACH CLAIM LIMIT PREMIUM $1,148 10/10/2020 10/10/2021 Therapeutic music program for people with developmental disabilities $3,000,000 $1,000,000 ................................................................... ....................................................................................... NOTE: The limit of liability available to pay judgements or settlements shall be reduced by amounts incurred for Defense Costs. TOTAL PREMIUM: FORMS AND ENDORSEMENTS APPLICABLE TO THIS COVERAGE PART AND MADE PART OF THIS POLICY AT THE TIME OF ISSUANCE: $1,148 ANI-E069 ISC 02 19, ANI-E131 ISC 05 20, ANI-RRG-E57 02 12, ANI-RRG-ISCET 05 20 BY (AUTHORIZED REPRESENTATIVE) THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY. "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." ANI-RRG-ISC 9/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 SOCIAL SERVICE PROFESSIONAL COVERAGE FORM DECLARATIONS PRODUCER: Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 POLICY NUMBER:2020-35634 NAME OF INSURED AND MAILING ADDRESS: RENEWAL OF NUMBER: 2019-35634 Voices Together 88 Vilcom Center Dr. Suite 100 Chapel Hill, NC 27514 POLICY PERIOD: FROM 10/10/2020 10/10/2021TO AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE BUSINESS DESCRIPTION: Therapeutic music program for people with developmental disabilities IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY. LIMITS OF COVERAGE: SOCIAL SERVICE PROFESSIONAL AGGREGATE LIMIT $3,000,000 $1,000,000SOCIAL SERVICE PROFESSIONAL EACH EVENT LIMIT PREMIUM $840........................... ........................... FORMS AND ENDORSEMENTS APPLICABLE TO THIS COVERAGE PART AND MADE PART OF THIS POLICY AT THE TIME OF ISSUANCE: TOTAL PREMIUM:$840 ANI-E069 SSP 02 19, ANI-E125 11 19, ANI-RRG-E02 01 17, ANI-RRG-E11 SSP 09 19, ANI-RRG-E32 01 17, ANI-RRG-E33 SSP 09 19, ANI-RRG-E42 SSP 09 19 COUNTERSIGNED: BY (AUTHORIZED REPRESENTATIVE) THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY. ANI-RRG-SSP "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL LIQUOR LIABILITY COVERAGE PART DECLARATIONS PRODUCER: NAME OF INSURED AND MAILING ADDRESS: POLICY NUMBER: Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 RENEWAL OF NUMBER: 2019-35634 2020-35634 Voices Together 88 Vilcom Center Dr. Suite 100 Chapel Hill, NC 27514 POLICY PERIOD: FROM TO AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY. BUSINESS DESCRIPTION: LIMITS OF COVERAGE: GENERAL AGGREGATE LIMIT.............................................................. EACH COMMON CAUSE LIMIT.............................................................. PREMIUM:Included FORMS AND ENDORSEMENTS APPLICABLE TO THIS COVERAGE PART AND MADE PART OF THIS POLICY AT THE TIME OF ISSUANCE: 1,000,000 1,000,000 $ $ CG 00 33 04 13 10/10/2020 10/10/2021 Therapeutic music program for people with developmental disabilities THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY. BY (AUTHORIZED REPRESENTATIVE) ANI - RRG - LL "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." 9/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 INDEX OF FORMS ATTACHED TO THE POLICY POLICY NUMBER: 2020-35634 Voices TogetherNAME OF INSURED:Page: 1 LIABILITY FORMS AND ENDORSEMENTS FORM NUMBER / EDITION DATE Member Criteria ANI-E003 GL 08 20 Fiscal Sponsor Limitation ANI-E069 GL 02 19 Fiscal Sponsor Limitation ANI-E069 ISC 02 19 Fiscal Sponsor Limitation ANI-E069 SSP 02 19 Professional Services Exclusion ANI-E078 12 18 Lead Liability - Exclusion ANI-E120 09 19 Firearms Sublimit Endorsement ANI-E123 09 19 Disciplinary Action ANI-E125 11 19 AI - Designated Person or Organization (ET)ANI-E131 ISC 05 20 Business Auto Coverage Part Declarations ANI-RRG-AL 04 01 Additional Insured - Primary and Non-Contributory - for Designated Person or Organization ANI-RRG-E02 01 17 Fireworks Exclusion ANI-RRG-E11 GL 09 19 Fireworks Exclusion ANI-RRG-E11 SSP 09 19 Blood Testing Exclusion ANI-RRG-E15 01 17 Asbestos Exclusion ANI-RRG-E22 09 19 Additional Insured - Designated Person or Organization ANI-RRG-E25 12 15 Waiver of Transfer of Rights of Recovery Against Others ANI-RRG-E26 11 17 Property Damage to Personal Property in the Care, Custody or Control of the Insured ANI-RRG-E28 01 99 Employee Personal Auto Reimbursement ANI-RRG-E29 12 09 Social Service Professional Liability Coverage Form ANI-RRG-E32 01 17 Mold, Fungus Exclusion ANI-RRG-E33 GL 09 19 Mold, Fungus Exclusion ANI-RRG-E33 SSP 09 19 Construction and Conversion Exclusion ANI-RRG-E34 09 18 Nuclear, Chemical and Biological Hazard Exclusion ANI-RRG-E42 GL 09 19 Nuclear, Chemical and Biological Hazard Exclusion ANI-RRG-E42 SSP 09 19 Trampoline Bounce House Exclusion ANI-RRG-E5 07 15 Liberalization - GL, SSP, EBL ANI-RRG-E56 01 17 Liberalization - ISC ANI-RRG-E57 02 12 Liberalization - LL ANI-RRG-E59 02 12 Volunteer Medical Payments ANI-RRG-E60 07 12 Additional Insured - Primary and Non-Contributory Endorsement for Public Entities ANI-RRG-E61 02 19 Additional Insured - Managers or Lessors of Premises ANI-RRG-E67 08 17 Fundraiser and Event Endorsement ANI-RRG-E70 03 19 Other Insurance - Coverage C ANI-RRG-E72 01 17 Mental Anguish Endorsement ANI-RRG-E74 03 14 Commercial General Liability Coverage Part Declarations ANI-RRG-GL 04 01 Improper Sexual Conduct and Physical Abuse Liability Coverage Form ANI-RRG-ISCET 05 20 Commercial Liquor Liability Coverage Part Declarations ANI-RRG-LL 04 01 Nonprofits' OWN Enhancement Endorsement ANI-RRG-NPO-001 05 20 Improper Sexual Conduct Liability Coverage Part Declarations ANI-RRG-SC 04 01 Improper Sexual Conduct and Physical Abuse Exclusion - GL ANI-RRG-X1 06 18 Commercial General Liability Coverage Form CG 00 01 04 13 This list of forms is not part of the actual policy, but is for your information only. Please refer to the policy(s) for actual limits, coverages and exclusions. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 INDEX OF FORMS ATTACHED TO THE POLICY POLICY NUMBER: 2020-35634 Voices TogetherNAME OF INSURED:Page: 2 LIABILITY FORMS AND ENDORSEMENTS FORM NUMBER / EDITION DATE Liquor Liability Coverage Form CG 00 33 04 13 Additional Insured - Owners, Lessees or Contractors CG 20 10 04 13 Additional Insured - State or Political Subdivisions - Permits CG 20 12 04 13 Additional Insured - Mortgagee, Assignee or Receiver CG 20 18 04 13 Additional Insured - Charitable Institutions CG 20 20 11 85 Additional Insured - Volunteers CG 20 21 07 98 Additional Insured - Designated Person or Organization CG 20 26 04 13 Additional Insured - Lessor of Leased Equipment - Automatic Status - Lease CG 20 34 04 13 Additional Insured - Owners, Lessees or Contractors - Completed Operations CG 20 37 04 13 Exclusion - Unmanned Aircraft CG 21 09 06 15 Employment-Related Practices Exclusion CG 21 47 12 07 Exclusion of Certified Acts of Terrorism CG 21 73 01 15 Silica - Exclusion CG 21 96 03 05 Products/Completed Operations Hazard Redefined CG 24 07 01 96 Common Policy Conditions IL 00 17 11 98 Nuclear Energy Liability Exclusion Endorsement (Broad Form) IL 00 21 09 08 North Carolina Changes - Cancellation and Nonrenewal IL 02 69 09 08 Business Auto Coverage Schedule SCHEDULE BA 01 80 Commercial General Liability Class Code Schedule SCHEDULE G 01 80 Commercial General Liability Location Schedule SCHEDULE L 01 80 This list of forms is not part of the actual policy, but is for your information only. Please refer to the policy(s) for actual limits, coverages and exclusions. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER:COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – DESIGNATED PERSON OR ORGANIZATION CG 20 26 04 13 2020-35634 Named Insured:Voices Together Any person or organization that you are required to add as an additional insured on this policy, under a written contract or agreement currently in effect, or becoming effective during the term of this policy. The additional insured status will not be afforded with respect to liability arising out of or related to your activities as a real estate manager for that person or organization. Name Of Additional Insured Person(s) Or Organization(s): SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following: Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal 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: 1. In the performance of your ongoing operations; or 2. In connection with your premises owned by or rented to you. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A.B.With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. © Insurance Services Office, Inc., 2012 Page 1 of 1CG 20 26 04 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER: 2020-35634 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED PRIMARY AND NON-CONTRIBUTORY ENDORSEMENT FOR PUBLIC ENTITIES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Person or Organization: C.With respect to the insurance provided to the additional insured(s), Condition 4. Other Insurance of SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS is replaced by the following: A. Section II – WHO IS AN INSURED is amended to include: 4. Any public entity as an additional insured, and the officers, officials, employees, agents and/or volunteers of that public entity, as applicable, who may be named in the Schedule above, when you have agreed in a written contract or written agreement presently in effect or becoming effective during the term of this policy, that such public entity and/or its officers, officials, employees, agents and/or volunteers be added as an additional insured(s) on your policy, but only with respect to liability for “bodily injury”, “property damage” or “personal and advertising injury” caused, in whole or in part, by: a. Your negligent acts or omissions; or b. The negligent acts or omissions of those acting on your behalf; in the performance of your ongoing operations. No such public entity or individual is an additional insured for liability arising out of the sole negligence by that public entity or its designated individuals. The additional insured status will not be afforded with respect to liability arising out of or related to your activities as a real estate manager for that person or organization. B. Section III – LIMITS OF INSURANCE is amended to include: 8. The limits of insurance applicable to the public entity and applicable individuals identified as an additional insured(s) pursuant to Provision A.4. above, are those specified in the written contract between you and that public entity, or the limits available under this policy, whichever are less. These limits are part of and not in addition to the limits of insurance under this policy. 4. Other Insurance a. Primary Insurance This insurance is primary if you have agreed in a written contract or written agreement: (1) That this insurance be primary. If other insurance is also primary, we will share with all that other insurance as described in c. below; or Page 1 of 2ANI-RRG-E61 02 19 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER: 2020-35634 Paragraphs (1) and (2) do not apply to other insurance to which the additional insured(s) has been added as an additional insured or to other insurance described in paragraph b. 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, lightning, or explosion insurance for premises rented to you or temporarily occupied by you with permission of the owner; (c) That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises temporarily occupied by you 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 I – COVERAGE A – BODILY INJURY AND PROPERTY DAMAGE. (e) Any other insurance available to an additional insured(s) under this Endorsement covering liability for damages which are subject to this endorsement and for which the additional insured(s) has been added as an additional insured by that other insurance. (1)When this insurance is excess, we will have no duty under Coverages A or B to defend the additional insured(s) against any "suit" if any other insurer has a duty to defend the additional insured(s) against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the additional insured(s)’ rights against all those other insurers. (2)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: (3) 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 Insurance shown in the Declarations of this Coverage Part. (a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self-insured amounts under all that other insurance. c. Methods of Sharing If all of the other insurance available to the additional insured(s) 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 other the other insurance available to the additional insured(s) 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. (2) The coverage afforded by this insurance is primary and non-contributory with the additional insured(s)’ own insurance. Page 2 of 2ANI-RRG-E61 02 19 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Voices TogetherNAMED INSURED: FORM: ANI-RRG-E25 12 15 POLICY NUMBER: 2020-35634 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION - FOOD CONTRIBUTIONS OR CLIENT REFERRALS Any person or organization that you are required to add as an additional insured on this policy, under a written contract or agreement currently in effect, or becoming effective during the term of this policy, in consideration of food contributions or client referrals you receive from them. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Person or Organization: Any person or organization that you are required to add as an additional insured on this policy, under a written contract or agreement currently in effect, or becoming effective during the term of this policy, in consideration of food contributions or client referrals you receive from them. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal 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: 1. In the performance of your ongoing operations; or 2. In connection with your premises owned by or rented to you. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A. With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. B. Page 1 of 1ANI-RRG-E25 12 15 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER:COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – COMPLETED OPERATIONS CG 20 37 04 13 2020-35634 Named Insured:Voices Together Any person or organization that you are required to add as an additional insured on this policy, under a written contract or agreement currently in effect, or becoming effective during the term of this policy. The additional insured status will not be afforded with respect to liability arising out of or related to your activities as a real estate manager for that person or organization. All insured premises and operations. Location And Description Of Completed Operations Name Of Additional Insured Person(s) Or Organization(s) SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following: Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, 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 insured and included in the "products-completed operations hazard". However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and A.B.With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. © Insurance Services Office, Inc., 2012 Page 1 of 1CG 20 37 04 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – MANAGERS OR LESSORS OF PREMISES SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following: Designation Of Premises (Part Leased To You): Any person or organization acting as a manager or lessor of a premises that you are required to name as an additional insured on this policy, under a written contract, lease or agreement currently in effect, or becoming effective during the term of this policy. Name Of Person(s) Or Organization(s) (Additional Insured): Additional Premium: Included A. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability arising out of the ownership, maintenance or use of that part of the premises leased to you, and only with respect to liability for “bodily injury”, “property damage”, or “personal 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, subject to the following additional exclusions: This insurance does not apply to: 1. Any "occurrence" which takes place after you cease to be a tenant in that premises. 2. Any offense which constitutes "personal and advertising injury" which is committed after you cease to be a tenant in that premises; or 3. Structural alterations, new construction or demolition operations performed by or on behalf of the person(s) or organization(s) shown in the Schedule. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. B. With respect to the insurance afforded to these additional insured, the following is added to Section III - Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Page 1 of 1ANI-RRG-E67 08 17 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E22 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM This insurance does not apply to any claim, “suit” or cause of action for damages due to: 1. “Bodily injury”, “property damage”, or “personal and advertising injury” arising or contributed, in whole or in part, by the actual, alleged, threatened or suspected inhalation of, contact with, exposure to, existence of or presence of asbestos or asbestos containing materials. 2. Any loss, cost or expense arising out of any: a. Request, demand or order that any “insured” or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of asbestos or asbestos-containing materials; or b. Claim or suit by or on behalf of a governmental agency or entity for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to or assessing the effects of asbestos or assesses containing materials. We shall have no duty or obligation to provide or pay for the investigation or defense of any loss, cost, expense, claim or “suit” excluded under any provision set forth above. Defense and Supplementary Payments shall not apply to any loss, cost, expense, claim or “suit” excluded under any provision set forth above. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E15 01 17 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - BLOOD TESTING This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SOCIAL SERVICES PROFESSIONAL LIABILITY COVERAGE FORM This insurance does not apply to claims for damages arising out of: 1. Services in connection with the donating, drawing, or testing of blood, except for any evaluation, consultation or advice given by or on behalf of any insured in connection with such services; 2. Any error, omission, defect or deficiency in any such test performed; 3. The handling, transportation, distribution or storage of any blood product by any insured; 4. The liability of any insured for acts or omissions of any doctor of medicine, technician, phlebotomist, or nurse with respect to any activities listed in 1. through 3. above. 5. The liability of any insured for the negligent hiring or supervision of any employee, volunteer, independent contractor, or agent of the insured with respect to any activities listed in 1. through 3. above. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG E28 01 99 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PROPERTY DAMAGE TO PERSONAL PROPERTY IN THE CARE, CUSTODY OR CONTROL OF THE INSURED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART. It is agreed that the following is added to COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Number 2. Exclusions., Letter j. “Property damage” to: Item (4): (a) This exclusion applies to “property damage” to personal property in the care, custody or control of the insured when the personal property is valued greater than $25,000. This is excess over any other valid collectible insurance. (b) Defense costs arising from “property damage” to personal property in the care, custody or control of the insured are limited to $25,000 per claim or suit. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 20 20 11 85 Copyright, Insurance Services Office, Inc., 1984 Page1of1 ADDITIONAL INSURED – CHARITABLE INSTITUTIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART. WHO IS AN INSURED (Section II) is amended to include as an insured: 1.Your members but only with respect to their liability for your activities or activities they perform on your behalf; and 2.Your trustees or members of the board of governors while acting within the scope of their duties as such on your behalf. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY CG 00 01 04 13 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 16 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under Section II – Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V – Definitions. SECTION I – COVERAGES COVERAGE A – BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury" or "property damage" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury" or "property damage" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III – Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments – Coverages A and B. b. This insurance applies to "bodily injury" and "property damage" only if: (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; (2) The "bodily injury" or "property damage" occurs during the policy period; and (3) Prior to the policy period, no insured listed under Paragraph 1. of Section II – Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period. c. "Bodily injury" or "property damage" which occurs during the policy period and was not, prior to the policy period, known to have occurred by any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim, includes any continuation, change or resumption of that "bodily injury" or "property damage" after the end of the policy period. d. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur. e. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 2. Exclusions This insurance does not apply to: a. Expected Or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property. b. Contractual Liability "Bodily injury" or "property damage" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) That the insured would have in the absence of the contract or agreement; or (2) Assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "bodily injury" or "property damage", provided: (a) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same "insured contract"; and (b) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in: (a) The supervision, hiring, employment, training or monitoring of others by that insured; or (b) Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; if the "occurrence" which caused the "bodily injury" or "property damage", involved that which is described in Paragraph (1), (2) or (3) above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an "insured contract". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 3 of 16 f. Pollution (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any insured. However, this subparagraph does not apply to: (i) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii) "Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your policy as an additional insured with respect to your ongoing operations performed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i) Any insured; or (ii) Any person or organization for whom you may be legally responsible; or (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this subparagraph does not apply to: (i) "Bodily injury" or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii) "Bodily injury" or "property damage" sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire". (e) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 4 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (b) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". However, this paragraph does not apply to liability for damages because of "property damage" that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a governmental authority. g. Aircraft, Auto Or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This exclusion does not apply to: (1) A watercraft while ashore on premises you own or rent; (2) A watercraft you do not own that is: (a) Less than 26 feet long; and (b) Not being used to carry persons or property for a charge; (3) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (4) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft; or (5) "Bodily injury" or "property damage" arising out of: (a) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged; or (b) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment". h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity. i. War "Bodily injury" or "property damage", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property "Property damage" to: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; (3) Property loaned to you; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 5 of 16 (4) Personal property in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of seven or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III – Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products- completed operations hazard". k. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. l. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products- completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. m. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. n. 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. o. Personal And Advertising Injury "Bodily injury" arising out of "personal and advertising injury". p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. However, this exclusion does not apply to liability for damages because of "bodily injury". As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. q. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury" or "property damage" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 6 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III – Limits Of Insurance. COVERAGE B – PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any offense and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III – Limits Of Insurance; and (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments – Coverages A and B. b. This insurance applies to "personal and advertising injury" caused by an offense arising out of your business but only if the offense was committed in the "coverage territory" during the policy period. 2. Exclusions This insurance does not apply to: a. Knowing Violation Of Rights Of Another "Personal and advertising injury" caused by or at the direction of the insured with the knowledge that the act would violate the rights of another and would inflict "personal and advertising injury". b. Material Published With Knowledge Of Falsity "Personal and advertising injury" arising out of oral or written publication, in any manner, of material, if done by or at the direction of the insured with knowledge of its falsity. c. Material Published Prior To Policy Period "Personal and advertising injury" arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period. d. Criminal Acts "Personal and advertising injury" arising out of a criminal act committed by or at the direction of the insured. e. Contractual Liability "Personal and advertising injury" for which the insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the insured would have in the absence of the contract or agreement. f. Breach Of Contract "Personal and advertising injury" arising out of a breach of contract, except an implied contract to use another's advertising idea in your "advertisement". g. Quality Or Performance Of Goods – Failure To Conform To Statements "Personal and advertising injury" arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement". h. Wrong Description Of Prices "Personal and advertising injury" arising out of the wrong description of the price of goods, products or services stated in your "advertisement". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 7 of 16 i. Infringement Of Copyright, Patent, Trademark Or Trade Secret "Personal and advertising injury" arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights. Under this exclusion, such other intellectual property rights do not include the use of another's advertising idea in your "advertisement". However, this exclusion does not apply to infringement, in your "advertisement", of copyright, trade dress or slogan. j. Insureds In Media And Internet Type Businesses "Personal and advertising injury" committed by an insured whose business is: (1) Advertising, broadcasting, publishing or telecasting; (2) Designing or determining content of web sites for others; or (3) An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs 14.a., b. and c. of "personal and advertising injury" under the Definitions section. For the purposes of this exclusion, the placing of frames, borders or links, or advertising, for you or others anywhere on the Internet, is not by itself, considered the business of advertising, broadcasting, publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards "Personal and advertising injury" arising out of an electronic chatroom or bulletin board the insured hosts, owns, or over which the insured exercises control. l. Unauthorized Use Of Another's Name Or Product "Personal and advertising injury" arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers. m. Pollution "Personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants" at any time. n. Pollution-related Any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (2) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". o. War "Personal and advertising injury", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. p. Recording And Distribution Of Material Or Information In Violation Of Law "Personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 8 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 COVERAGE C – MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for "bodily injury" caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (a) The accident takes place in the "coverage territory" and during the policy period; (b) The expenses are incurred and reported to us within one year of the date of the accident; and (c) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) First aid administered at the time of an accident; (2) Necessary medical, surgical, X-ray and dental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. 2. Exclusions We will not pay expenses for "bodily injury": a. Any Insured To any insured, except "volunteer workers". b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers' Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports, or athletic contests. f. Products-Completed Operations Hazard Included within the "products-completed operations hazard". g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS – COVERAGES A AND B 1. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: a. All expenses we incur. b. Up to $250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $250 a day because of time off from work. e. All court costs taxed against the insured in the "suit". However, these payments do not include attorneys' fees or attorneys' expenses taxed against the insured. f. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 9 of 16 g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met: a. The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; b. This insurance applies to such liability assumed by the insured; c. The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; d. The allegations in the "suit" and the information we know about the "occurrence" are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee; e. The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investigation, settlement or defense of the "suit"; (b) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; (c) Notify any other insurer whose coverage is available to the indemnitee; and (d) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the "suit"; and (b) Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I – Coverage A – Bodily Injury And Property Damage Liability, such payments will not be deemed to be damages for "bodily injury" and "property damage" and will not reduce the limits of insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no longer met. SECTION II – WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 10 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 2. Each of the following is also an insured: a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co-"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co-"employee" or "volunteer worker" as a consequence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. (2) "Property damage" to property: (a) Owned, occupied or used by; (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b. Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. c. Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization; and c. Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION III – LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; b. Damages under Coverage A, except damages because of "bodily injury" or "property damage" included in the "products-completed operations hazard"; and c. Damages under Coverage B. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 11 of 16 3. The Products-Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of "bodily injury" and "property damage" included in the "products-completed operations hazard". 4. Subject to Paragraph 2. above, the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization. 5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C because of all "bodily injury" and "property damage" arising out of any one "occurrence". 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of "bodily injury" sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. If a claim is made or "suit" is brought against any insured, you must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 12 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when Paragraph b. 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 Paragraph c. below. b. Excess Insurance (1) This insurance is excess over: (a) Any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work"; (ii) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (iii) That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section I – Coverage A – Bodily Injury And Property Damage Liability. (b) Any other primary insurance available to you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an additional insured. (2) When this insurance is excess, we will have no duty under Coverages A or B 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. (3) 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: (a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self- insured amounts under all that other insurance. (4) 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 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. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6. Representations By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 13 of 16 b. Those statements are based upon representations you made to us; and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V – DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. "Auto" means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. 4. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above; or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. above; (2) The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; or (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication; provided the insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in Paragraph a. above or in a settlement we agree to. 5. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 6. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document. 7. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 8. "Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by the repair, replacement, adjustment or removal of "your product" or "your work" or your fulfilling the terms of the contract or agreement. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 14 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 9. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an "insured contract"; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; f. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement: (1) That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road-beds, tunnel, underpass or crossing; (2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; or (3) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in (2) above and supervisory, inspection, architectural or engineering activities. 10. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 11. "Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 12. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in Paragraph a., b., c. or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in Paragraph a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 15 of 16 However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". 13. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 14. "Personal and advertising injury" means injury, including consequential "bodily injury", arising out of one or more of the following offenses: a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral or written publication, in any manner, of material that violates a person's right of privacy; f. The use of another's advertising idea in your "advertisement"; or g. Infringing upon another's copyright, trade dress or slogan in your "advertisement". 15. "Pollutants" mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 16. "Products-completed operations hazard": a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; (2) The existence of tools, uninstalled equipment or abandoned or unused materials; or (3) Products or operations for which the classification, listed in the Declarations or in a policy Schedule, states that products- completed operations are subject to the General Aggregate Limit. 17. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the "occurrence" that caused it. For the purposes of this insurance, electronic data is not tangible property. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 16 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 18. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 19. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short- term workload conditions. 20. "Volunteer worker" means a person who is not your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21. "Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 22. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 IL 00 17 11 98 IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation 1. The first Named Insured shown in the Declara- tions may cancel this policy by mailing or deliv- ering to us advance written notice of cancella- tion. 2. We may cancel this policy by mailing or deliver- ing to the first Named Insured written notice of cancellation at least: a. 10 days before the effective date of cancel- lation if we cancel for nonpayment of pre- mium; or b. 30 days before the effective date of cancel- lation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be ef- fective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be suffi- cient proof of notice. B. Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. C. Examination Of Your Books And Records We may examine and audit your books and re- cords as they relate to this policy at any time dur- ing the policy period and up to three years after- ward. D. Inspections And Surveys 1. We have the right to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to in- surability and the premiums to be charged. We do not make safety inspections. We do not un- dertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. Paragraphs 1. and 2. of this condition apply not only to us, but also to any rating, advisory, rate service or similar organization which makes in- surance inspections, surveys, reports or rec- ommendations. 4. Paragraph 2. of this condition does not apply to any inspections, surveys, reports or recom- mendations we may make relative to certifica- tion, under state or municipal statutes, ordi- nances or regulations, of boilers, pressure ves- sels or elevators. E. Premiums The first Named Insured shown in the Declara- tions: 1. Is responsible for the payment of all premiums; and 2. Will be the payee for any return premiums we pay. F. Transfer Of Your Rights And Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representa- tive. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E34 09 18 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CONSTRUCTION AND CONVERSION EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM This insurance does not apply to “bodily injury”, “property damage”, “personal and advertising injury” or any claim for “damages” caused by or arising out of or in any way related to the following: 1. Any “construction” conducted by you or on your behalf; or, 2. “Your work” on any building or other structure which is deemed completed for which a claim relating to “construction” has been presented; or, 3. “Your work” which is completed and may need correction, replacement or repair. For purposes of this endorsement, “your work” will be deemed completed at the earliest of the following times: 1. When all of the work called for in your contract has been completed. 2. When all of the work to be done at each specific job site has been completed if your contract calls for work at more than one job site. 3. When that part of the work done at the job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. For the purpose of this endorsement, “construction” is defined as all operations, including “your work” caused by, arising out of or in any way related to original construction, development, conversion, demolition, remodeling and all other changes, structural and non-structural, to any building or structure. For purposes of this endorsement, “your work” is defined to mean work or operations performed by you or on your behalf and materials, parts or equipment furnished in connection with such work or operations. “Your work” is defined to include warranties or representation made at any time with respect to the fitness, quality, durability, performance or use of “your work”; and the providing of or failure to provide warnings or instructions. This exclusion does not apply to: 1. Service or maintenance of a building or structure which is owned by or leased to you; or, 2. “Construction”, including “your work”, that has not yet been completed or has not otherwise been abandoned. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG E29 12 09 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE PERSONAL AUTO REIMBURSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART We agree to pay the lesser of the personal auto insurance comprehensive deductible, or the actual cost of repair in the absence of personal auto insurance comprehensive coverage, up to $1,000 to an employee or volunteer of the Insured if the personal auto of the employee or volunteer is damaged by a client of the Insured. The most we will pay during a policy term is limited to $3,000. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY CG 21 47 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 21 47 12 07 © ISO Properties, Inc., 2006 Page 1 of 1 EMPLOYMENT-RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2., Exclusions of Section I – Coverage A – Bodily Injury And Property Damage Liability: This insurance does not apply to: "Bodily injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demo- tion, evaluation, reassignment, discipline, defamation, harassment, humiliation, dis- crimination or malicious prosecution di- rected at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" to that person at whom any of the employment- related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury-causing event described in Paragraphs (a), (b) or (c) above occurs before employment, during employment or after em- ployment of that person; (2) Whether the insured may be liable as an em- ployer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay damages because of the injury. B. The following exclusion is added to Paragraph 2., Exclusions of Section I – Coverage B – Person- al And Advertising Injury Liability: This insurance does not apply to: "Personal and advertising injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or (c) Employment-related practices, policies, acts or omissions, such as coercion, demo- tion, evaluation, reassignment, discipline, defamation, harassment, humiliation, dis- crimination or malicious prosecution di- rected at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "personal and advertising injury" to that person at whom any of the employment-related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury-causing event described in Paragraphs (a), (b) or (c) above occurs before employment, during employment or after em- ployment of that person; (2) Whether the insured may be liable as an em- ployer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay damages because of the injury. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY CG 21 09 06 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 21 09 06 15 © Insurance Services Office, Inc., 2014 Page 1 of 2 EXCLUSION – UNMANNED AIRCRAFT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.g. Aircraft, Auto Or Watercraft under Section I – Coverage A – Bodily Injury And Property Damage Liability is replaced by the following: 2. Exclusions This insurance does not apply to: g. Aircraft, Auto Or Watercraft (1) Unmanned Aircraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This Paragraph g.(1) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". (2) Aircraft (Other Than Unmanned Aircraft), Auto Or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". This Paragraph g.(2) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" involved the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This Paragraph g.(2) does not apply to: (a) A watercraft while ashore on premises you own or rent; (b) A watercraft you do not own that is: (i) Less than 26 feet long; and (ii) Not being used to carry persons or property for a charge; (c) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (d) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft; or DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 2 © Insurance Services Office, Inc., 2014 CG 21 09 06 15 (e) "Bodily injury" or "property damage" arising out of: (i) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged; or (ii) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment". B. The following exclusion is added to Paragraph 2. Exclusions of Coverage B – Personal And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Unmanned Aircraft "Personal and advertising injury" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the offense which caused the "personal and advertising injury" involved the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". This exclusion does not apply to: a. The use of another's advertising idea in your "advertisement"; or b. Infringing upon another's copyright, trade dress or slogan in your "advertisement". C. The following definition is added to the Definitions section: "Unmanned aircraft" means an aircraft that is not: 1. Designed; 2. Manufactured; or 3. Modified after manufacture; to be controlled directly by a person from within or on the aircraft. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY CG 21 73 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 21 73 01 15 © Insurance Services Office, Inc., 2014 Page 1 of 1 EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE PART DIRECTORS AND OFFICERS LIABILITY POLICY A. The following exclusion is added: This insurance does not apply to: TERRORISM "Any injury or damage" arising, directly or indirectly, out of a "certified act of terrorism". B. The following definitions are added: 1. For the purposes of this endorsement, "any injury or damage" means any injury or damage covered under any Coverage Part to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "injury" or "environmental damage" as may be defined in any applicable Coverage Part. 2. "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: a. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and b. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. C. The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for injury or damage that is otherwise excluded under this Coverage Part. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E123 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIREARMS SUBLIMIT ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SECTION I - COVERAGES COVERAGE A - BODILY INJURY AND PROPERTY DAMAGE LIABILITY 2. Exclusions, is amended to include: r. Firearms “Bodily injury” or “property damage” for damages in excess of $1,000,000, which are caused by, arises out of, or in any way related to: (a) The use of or failure to use any “firearm” by, at the instruction of, at the direction of, or arising out of any act or omission by you, any insured, or contractor, subcontractor or independent contractor for whom you or any insured is legally responsible; (b) The negligent employment, investigation, hiring, supervision, training or retention by you, any insured, or any contractor, subcontractor or independent contractor for whom you or any insured is legally responsible, with respect to the use of or failure to use any “firearm”; or (c) The rendering of, or failure to render care necessitated by anyone injured by the use of or failure to use any “firearm” by you, any insured or by any contractor, subcontractor or independent contractor for whom you or any insured is legally responsible. This exclusion applies to any liability for payment for damages, defense costs and fees including any payments made pursuant to SUPPLEMENTARY PAYMENTS COVERAGES A AND B within this Coverage Form. Any payment made pursuant to this FIREARMS SUBLIMIT ENDORSEMENT will decrease the General Aggregate Limit included within the Commercial General Liability Coverage Form to which this endorsement is attached. (1) For the purpose of this endorsement, “firearm” means any gun including but not limited to handguns, rifles, shotguns, tasers, stun guns or projectile weapons which use bullets or shoot projectiles. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E11 GL 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIREWORKS EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM This insurance does not apply to “bodily injury,” “property damage,” or “personal and advertising injury” arising out of the use, handling, distribution or sale of fireworks or any similar explosive device or material, including but not limited to a cherry bomb, firecracker, flare, rocket, skyrocket, sparklers and/or squib. We shall not be obligated to investigate on behalf of an "insured" or to defend or indemnify an "insured" or any person or entity claiming any right under the policy for the matters excluded in this endorsement. Defense and Supplementary Payments shall not apply to any loss, cost, expense, claim or "suit" excluded under any provision set forth above. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E069 GL 02 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FISCAL SPONSOR LIMITATION OF COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART BUSINESS AUTO COVERAGE FORM This insurance does not apply to “bodily injury,” “property damage,” or “personal and advertising injury” arising out of an Insured’s status as a “fiscal sponsor” until: a. The first Named Insured enters into a “fiscal sponsor agreement” arising out of or in connection with the First Named Insured’s status as a “fiscal sponsor” for that person, entity or organization; and b. The first Named Insured provides any underwriting information and pays any additional premium required by us. This insurance does not apply to “bodily injury” or “property damage” that occurs before the first Named Insured enters into the “fiscal sponsor agreement” which is subject of the claim, loss, damage or expense or because of an offense that constitutes “personal and advertising injury” that is committed before the first Named Insured enters into the “fiscal sponsor agreement” which is the subject of the claim, loss, damage or expense. If there is other insurance available to any party pursuant to a “fiscal sponsor agreement“ for “bodily injury,” “property damage,” or “personal and advertising injury” which are covered by this endorsement, including but not limited to a duty to defend the first Named Insured by that other insurance, the coverage provided by this endorsement is excess to that other insurance. “Fiscal sponsor” is defined to mean the first Named Insured’s status as the entity or organization which offers its legal and tax-exempt status to another person, entity or organization pursuant to a “fiscal sponsor agreement”; who participates in the operations of that person, entity or organization by receiving assets and incurring liabilities for the mutual benefit of pursuing charitable goals; and in consideration for the benefit of that person, entity or organization has assumed responsibility to manage programs, events, revenue, grants, contributions, contracts and/or insurance programs. “Fiscal sponsor agreement” is defined as a written contract or agreement by the first Named Insured with a person, entity and/or organization in which the first Named Insured agrees to serve as a “fiscal sponsor” for such person, entity or organization. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E70 03 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNDRAISER AND EVENT ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance applies to those sums that an insured becomes legally obligated to pay as damages because of "bodily injury”, "property damage”, or "personal and advertising injury" arising out of a "fundraiser” or “event”. Except for a "fundraiser" or “event” that is specifically scheduled on the policy, this insurance does not apply to liability arising out of a "fundraiser" or “event” which involves, directly or indirectly, any of the following: • Any "fundraiser" or “event” with more than 500 people present at any one time • Animals (including, but not limited to, animals involved in rodeos, petting zoos, animal exhibitions) • Athletic activities or contests, not including golf or bowling • Carnivals, circuses, fairs, festivals, parades • Powered Rides or Amusement attractions (including, but not limited to, climbing walls, slides, mechanical bulls, bungee jumps) • Firearms or weapons • Water events (including, but not limited to, activities involving swimming pools, lakes, rivers or other bodies of water) • Trampolines, bounce houses, rebounding equipment, inflatable amusement or sports devices, moon walks, or inflatable wrestling or combatant suits. “Fundraiser" is any event sponsored or co-sponsored by "you" with the primary purpose of raising monetary contributions. “Event” is any activity sponsored or co-sponsored by “you” apart from your regular scope of operations DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-X1 06 18 Page 1 of 2 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The insurance provided by this policy affords NO COVERAGE with respect to any claim, suit or cause of action which arises from, or is in any way related to liability arising out of: A. Any form of improper sexual conduct, including but not limited to any actual, alleged, attempted, proposed or threatened sexual abuse, sexual molestation, sexual harassment, sexual assault, sexual battery, sexual exploitation, erotic physical contact or sexual injury by anyone to any person; B. Any form of physical abuse, including but not limited to assault, including assault with a deadly weapon or with force likely to produce bodily harm, battery or unreasonable physical restraint or constraint by anyone to any person. This exclusion does not apply to “bodily injury” resulting from the use of reasonable force to protect persons or property; C. The employment, investigation, supervision or retention of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (A) or (B) above; D. The failure to report an incident of any form of improper sexual conduct or physical abuse to the proper authorities, or the withholding of pertinent information concerning the same from such authorities; or E. The failure to provide professional services to any person or the neglect of the therapeutic needs of any person because of improper sexual conduct or physical abuse following any form of improper sexual conduct or physical abuse for which an insured could be legally liable. This exclusion shall apply regardless of the legal form ANY claim or complaint may take, and shall apply to each and every cause of action and allegation contained in a claim or complaint, if ANY cause of action or allegation in that claim or complaint, in ANY manner, sets forth an allegation of ANY form of improper sexual conduct or physical abuse. For example, if a claim is made or a complaint is filed against an individual or entity referred to in paragraph A or B above, there is NO COVERAGE for ANY individual or entity under the policy, regardless of ANY other coverage provisions that might otherwise apply. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRGX1 06 18 Page 2 of 2 BINDING ARBITRATION CLAUSE Notwithstanding any other term set forth herein, the parties hereby agree that any dispute which arises from the application of this exclusion shall be resolved through binding arbitration. The parties acknowledge that by agreeing to binding arbitration they are waiving the right to a jury trial. Binding arbitration shall take place in San Francisco, unless otherwise agreed upon and shall be conducted by a single neutral arbitrator selected by the American Arbitration Association, pursuant to its rules. The arbitrator shall apply the law of the state or the District where the policy to which this exclusion is attached, and is issued. The cost of the arbitration shall be shared equally by the participants. COVERAGE AVAILABLE (OPTIONAL) IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE Coverage for improper sexual conduct and physical abuse liability may be purchased as an optional coverage. This optional improper sexual conduct and physical abuse liability coverage is provided only by the Improper Sexual Conduct and Physical Abuse Liability Coverage Form. Such coverage is provided only if it is shown in the Declarations page to this policy, the additional premium indicated has been paid, and the Improper Sexual Conduct and Physical Abuse Liability Coverage Form has been issued by us. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E120 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - LIABILITY ARISING OUT OF LEAD This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM This insurance does not apply to: 1. "bodily injury", "property damage" or "personal and advertising injury" arising out of, resulting from, or in any way caused by or related to the actual, alleged or threatened ingestion, inhalation, absorption, or exposure to lead in any form from any source; or 2. any loss, expense, liability or other type of obligation arising out of or resulting from, or in any way related to any: a. claim, suit, request, demand, directive, or order by or on behalf of any person, entity, or governmental authority that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify, neutralize, or in any way respond to, or assess the effects of lead in any form from any source, or to any b. claim or suit by or on behalf of any person, entity, or governmental authority for damages or any other relief or remedy because of testing for, monitoring, cleaning up, removing, containing, treating or detoxifying or neutralizing, or in any way responding to, or assessing the effects of lead in any form. We shall not be obligated to investigate on behalf of an "insured" or to defend or indemnify an "insured" or any person or entity claiming any right under the policy for the matters excluded in this endorsement. Defense and Supplementary Payments shall not apply to any loss, cost, expense, claim or "suit" excluded under any provision set forth above. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ADDITIONAL INSURED - LESSOR OF LEASED EQUIPMENT - AUTOMATIC STATUS WHEN REQUIRED IN LEASE AGREEMENT WITH YOU Voices TogetherNamed Insured: 2020-35634 CG 20 34 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL GENERAL LIABILITYPOLICY NUMBER: With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: The most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement you have entered into with the additional insured; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. C. With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after the equipment lease expires. B. A.A person's or organization's status as an additional insured under this endorsement ends when their contract or agreement with you for such leased equipment ends. Section II – Who Is An Insured is amended to include as an additional insured any person(s) or organization(s) from whom you lease equipment when you and such person(s) or organization(s) have agreed in writing in a contract or agreement that such person(s) or organization(s) be added as an additional insured on your policy. Such person(s) or organization(s) is an insured 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). However, the insurance afforded to such additional insured: 1. Only applies to the extent permitted by law; and 2. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following: © Insurance Services Office, Inc., 2012 Page 1 of 1CG 20 34 04 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG E59 02 12 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIBERALIZATION This endorsement modifies insurance provided under the following: LIQUOR LIABILITY COVERAGE FORM The following is added to the conditions section: If we revise this coverage form or its endorsements during this policy period to provide more coverage without an additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E 56 01 17 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIBERALIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM EMPLOYEE BENFITS LIABILITY ENDORSEMENT The following is added to the conditions section: If we revise this coverage form or its endorsements during this policy period to provide more coverage without an additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY CG 00 33 04 13 CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 6 LIQUOR LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and "our" refer to the company providing this insurance. The word "insured" means any person or organization qualifying as such under Section II – Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V – Definitions. SECTION I – LIQUOR LIABILITY COVERAGE 1. Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "injury" to which this insurance applies if liability for such "injury" is imposed on the insured by reason of the selling, serving or furnishing of any alcoholic beverage. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "injury" to which this insurance does not apply. We may, at our discretion, investigate any "injury" and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section III – Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments. b. This insurance applies to "injury" only if: (1) The "injury" occurs during the policy period in the "coverage territory"; and (2) Prior to the policy period, no insured listed under Paragraph 1. of Section II – Who Is An Insured and no "employee" authorized by you to give or receive notice of an "injury" or claim, knew that the "injury" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "injury" occurred, then any continuation, change or resumption of such "injury" during or after the policy period will be deemed to have been known prior to the policy period. c. "Injury" which occurs during the policy period and was not, prior to the policy period, known to have occurred by any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you to give or receive notice of an "injury" or claim, includes any continuation, change or resumption of that "injury" after the end of the policy period. d. "Injury" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section II – Who Is An Insured or any "employee" authorized by you to give or receive notice of an "injury" or claim: (1) Reports all, or any part, of the "injury" to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the "injury"; or (3) Becomes aware by any other means that "injury" has occurred or has begun to occur. 2. Exclusions This insurance does not apply to: a. Expected Or Intended Injury "Injury" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to protect persons or property. b. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13 c. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the "injury". d. Liquor License Not In Effect "Injury" arising out of any alcoholic beverage sold, served or furnished while any required license is not in effect. e. Your Product "Injury" arising out of "your product". This exclusion does not apply to "injury" for which the insured or the insured's indemnitees may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. f. Other Insurance Any "injury" with respect to which other insurance is afforded, or would be afforded but for the exhaustion of the limits of insurance. This exclusion does not apply if the other insurance responds to liability for "injury" imposed on the insured by reason of the selling, serving or furnishing of any alcoholic beverage. g. War "Injury", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. SUPPLEMENTARY PAYMENTS We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: 1. All expenses we incur. 2. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. 3. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $250 a day because of time off from work. 4. All court costs taxed against the insured in the "suit". However, these payments do not include attorneys' fees or attorneys' expenses taxed against the insured. 5. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. 6. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. 7. Expenses incurred by the insured for first aid administered to others at the time of an event to which this insurance applies. These payments will not reduce the limits of insurance. SECTION II – WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 3 of 6 d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2. Each of the following is also an insured: a. Your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" is an insured for: (1) "Injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), or to a co-"employee" while that co-"employee" is either in the course of his or her employment or performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co-"employee" as a consequence of Paragraph (a) above; or (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (a) or (b) above. (2) "Property damage" to property: (a) Owned or occupied by; or (b) Rented or loaned; to that "employee", any of your other "employees", by any of your partners or members (if you are a partnership or joint venture), or by any of your members (if you are a limited liability company). b. Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. c. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier; and b. Coverage does not apply to "injury" that occurred before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION III – LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. The Aggregate Limit is the most we will pay for all "injury" as the result of the selling, serving or furnishing of alcoholic beverages. 3. Subject to the Aggregate Limit, the Each Common Cause Limit is the most we will pay for all "injury" sustained by one or more persons or organizations as the result of the selling, serving or furnishing of any alcoholic beverage to any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV – LIQUOR LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 4 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13 2. Duties In The Event Of Injury, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an "injury" which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "injury" took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any "injury". b. If a claim is made or "suit" is brought against any insured, you must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You must see to it that we receive written notice of the claim or "suit" as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of "injury" to which this insurance may also apply. d. No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 4. Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this Coverage Part, our obligations are limited as follows: a. Primary Insurance 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. below. b. 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. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 5 of 6 c. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6. Representations By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; b. Those statements are based upon representations you made to us; and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V – DEFINITIONS 1. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. 2. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the "injury" occurs in the course of travel or transportation between any places included in Paragraph a. above; or c. All other parts of the world if the "injury" arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. above; or (2) The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; provided the insured's responsibility to pay damages is determined in a "suit" on the merits, in the territory described in Paragraph a. above or in a settlement we agree to. 3. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 4. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document. 5. "Injury" means damages because of "bodily injury" and "property damage", including damages for care, loss of services or loss of support. 6. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 7. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. 8. "Suit" means a civil proceeding in which damages because of "injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 9. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short- term workload conditions. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 6 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13 10. "Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E003 GL 08 20 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY MEMBER CRITERIA This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM BUSINESS AUTO COVERAGE FORM SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE FORM A named insured of the Alliance of Nonprofits for Insurance (ANI) must meet at least the following criteria: 1. is organized chiefly to provide charitable, religious, educational, or scientific services, but does not include a hospital; 2. is an organization described in section 501(c)(3) of the Internal Revenue Code and exempt from tax under section 501(a), or any corresponding sections of any future federal tax code. Any member which receives a final determination that it no longer qualifies as an organization described in section 501(c)(3) of the Internal Revenue Code, or corresponding section of any future tax code, shall immediately notify the corporation of such determination and the effective date of such determination. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG E74 03 14 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MENTAL ANGUISH ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ____________________________________________________________________________________________ SECTION V – DEFINITIONS, Paragraph 3 is replaced with the following: 3. "Bodily injury" means bodily injury, sickness or disease sustained by a person, including death or mental anguish resulting from any of these. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E33 GL 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOLD, FUNGUS OR MICROBIAL CONTAMINATION EXCLUSION This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY ENDORSEMENT IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE PART It is agreed that this policy does not apply to any claim, suit or cause of action for “damages” due to: 1. "Bodily injury," "property damage," or "personal and advertising injury" arising out of or contributed to by mold, fungus or "microbial contamination"; 2. Any loss, cost or expense arising out of any: a. Request, demand or order that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of mold, fungus or "microbial contamination"; or b. Claim or suit by or on behalf of a governmental agency or entity for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to or assessing the effects of mold, fungus or "microbial contamination." We shall have no duty or obligation to provide or pay for the investigation or defense of any loss, cost, expense, claim, or suit excluded under any provision set forth above. Defense and Supplementary Payments shall not apply to any loss, cost, expense, claim or suit excluded under any provisions set forth above. "Microbial contamination" means any contamination, either airborne or surface, which arises out of or is related to the presence of mold, fungus, or spores, including, without limitation, Penicillium, Aspergillus, or Stachybotrys chartarum. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER:COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – MORTGAGEE, ASSIGNEE OR RECEIVER 2020-35634 CG 20 18 04 13Named Insured:Voices Together Any person or organization acting as mortgagee, assignee, or receiver with respect to locations scheduled on the policy. Designation Of PremisesName Of Person(s) Or Organization(s) SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following: Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to their liability as mortgagee, assignee, or receiver and arising out of the ownership, maintenance, or use of the premises by you and shown in the Schedule. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A. B. With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. C. This insurance does not apply to structural alterations, new construction and demolition operations performed by or for that person or organization. © Insurance Services Office, Inc., 2012 Page 1 of 1CG 20 18 04 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 IL 02 69 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IL 02 69 09 08 © ISO Properties, Inc., 2007 Page 1 of 2 NORTH CAROLINA CHANGES – CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: CAPITAL ASSETS PROGRAM (OUTPUT POLICY) COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART FARM UMBRELLA LIABILITY POLICY LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following: 2. Cancellation Requirements a. Policies In Effect Less Than 60 Days If this policy has been in effect for less than 60 days, we may cancel this policy by mail- ing or delivering to the first Named Insured written notice of cancellation at least: (1) 15 days before the effective date of cancellation if we cancel for nonpay- ment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. b. Policies In Effect More Than 60 Days If this policy has been in effect for 60 days or more, or is a renewal of a policy we is- sued, we may cancel this policy prior to the: (1) Expiration of the policy term; or (2) Anniversary date, stated in the policy only for one or more of the following reasons: (a) Nonpayment of premium; (b) An act or omission by the insured or his or her representative that consti- tutes material misrepresentation or nondisclosure of a material fact in obtaining this policy, continuing this policy or presenting a claim under this policy; (c) Increased hazard or material change in the risk assumed that could not have been reasonably contemplated by the parties at the time of assump- tion of the risk; (d) Substantial breach of contractual duties, conditions or warranties that materially affects the insurability of the risk; (e) A fraudulent act against us by the insured or his or her representative that materially affects the insurability of the risk; (f) Willful failure by the insured or his or her representative to institute rea- sonable loss control measures that materially affect the insurability of the risk after written notice by us; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 2 © ISO Properties, Inc., 2007 IL 02 69 09 08 (g) Loss of facultative reinsurance, or loss of or substantial changes in ap- plicable reinsurance as provided in G.S. 58-41-30; (h) Conviction of the insured of a crime arising out of acts that materially af- fect the insurability of the risk; (i) A determination by the Commission- er of Insurance that the continuation of the policy would place us in viola- tion of the laws of North Carolina; or (j) You fail to meet the requirements contained in our corporate charter, articles of incorporation or by-laws when we are a company organized for the sole purpose of providing members of an organization with in- surance coverage in North Carolina. We will mail or deliver written notice of can- cellation to the first Named Insured at least: (i) 15 days before the effective date of cancellation if we cancel for nonpayment of premium; or (ii) 30 days before the effective date of cancellation if we cancel for any other reason. c. Cancellation for nonpayment of premium will not become effective if you pay the premium amount due before the effective date of cancellation. d. We may also cancel this policy for any reason not stated above provided we obtain your prior written consent. B. The following provisions are added and supersede any other provisions to the contrary: 1. Nonrenewal a. If we elect not to renew this policy, we will mail or deliver to the first Named Insured shown in the Declarations written notice of nonrenewal at least 45 days prior to the: (1) Expiration of the policy if this policy has been written for one year or less; or (2) Anniversary date of the policy if this policy has been written for more than one year or for an indefinite term. b. We need not mail or deliver the notice of nonrenewal if you have: (1) Insured property covered under this policy, under any other insurance policy; (2) Accepted replacement coverage; or (3) Requested or agreed to nonrenewal of this policy. c. If notice is mailed, proof of mailing will be sufficient proof of notice. 2. The written notice of cancellation or nonrenew- al will: a. Be mailed or delivered to the first Named Insured and any designated mortgagee or loss payee at their addresses shown in the policy, or if not indicated in the policy, at their last known addresses; and b. State the reason or reasons for cancellation or nonrenewal. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E42 GL 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR, CHEMICAL AND BIOLOGICAL HAZARD EXCLUSION This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM COMMERCIAL GENERAL LIABILITY COVERAGE FORM LIQUOR LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE FORM This insurance does not apply to any liability, loss, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with the use or release, or threat thereof, of any nuclear weapon or device or chemical or biological agent, regardless of any other cause or event contributing concurrently or in any other sequence to the loss. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 1 of 8 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NONPROFITS’ OWN ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART I. SCHEDULE OF ADDITIONAL COVERAGES, BENEFITS AND LIMITS The following is a summary of additional coverages and limits provided by this endorsement. If two or more Additional Coverages identified within this endorsement apply to a claim, loss and/or suit, the Additional Coverage with the greatest limit shall be the sole and only Additional Coverage provided by us applicable to the claim, loss and/or suit. Coverage Limit Page Abuse of Process Included 2 Cyber Breach Management and Reward Expense $25,000 2 Cyber Extortion $50,000 2 Damage to Property of Others $5,000 Occurrence / 2 $25,000 Aggregate Electronic Data and Protected Health Information $50,000 2 Executive Recruitment Expense $50,000 3 Identity Theft Expense $30,000 3 Kidnap Expense $50,000 3 Network Security Reimbursement $10,000 3 Newly Formed Entities - until end of policy period N/A 4 Non-owned Watercraft (up to 75 feet) N/A 4 Security Event Costs and Expenses $50,000 4 Subpoena Response Expense $10,000 4 Terrorism Travel Reimbursement $30,000 4 Unsatisfied Contributions $25,000 4 Workplace Violence / Crisis Incident / Outside Aggressor $100,000 5 Benefit Limit Page Supplementary Payments – Bail Bonds $5,000 5 Supplementary Payments – Investigation or Defense $1,000 / per day 5 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 2 of 8 II. ADDITIONAL COVERAGES Abuse of Process Section V – Definitions, Paragraph 14.b. is replaced by the following: b. Malicious prosecution or abuse of process; Cyber Breach Management and Reward Expenses We will reimburse you for all reasonable costs and expenses you incur, with our prior written consent, for "Cyber breach management" due to a "Cyber security event", if that "Cyber security event" takes place during the policy period. We will reimburse you for all reasonable costs and expenses you incur, with our prior written consent, for payment of a "reward". Our maximum aggregate limit of liability for all "Cyber breach management" and "reward" costs and expenses covered by this policy shall be $25,000. Cyber Extortion We will reimburse you for reasonable costs and expenses you incur, with our prior written consent, because of a threat or threats, during the policy period, that include an actual extortion demand related to your computer system. Our maximum aggregate limit of liability for all costs and expenses due to extortion covered by this policy shall be $50,000. Damage to Property of Others 1. We will pay: a. For damage to property of others when such damage is the result of an act committed by your “client” and the property damaged is owned by someone other than you or any of your “clients”, employees or volunteers; or b. Those sums for which you are legally obligated to pay for damage to property which is rented or occupied by you, including any costs or expenses incurred by you or any other person, organization or entity for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another’s property, which is not the result of an act committed by your “client”. 2. Our maximum limit for all damage to property of others and/or damage to property which is rented or occupied by you is $5,000 for any one act, error or omission, or a series of related acts, errors or omissions, subject to an annual aggregate limit of $25,000. 3. If two or more coverage parts, forms or policies written by us apply to a property damage claim, the coverage part, form, or policy provided by us with the highest limit applicable to that property damage shall be the sole coverage provided by us applicable to that property damage. 4. If other coverage not written by us applies to a claim for damage to property to which this endorsement applies, you agree: a. to transfer to the extent of payment made pursuant to the coverage provided by this endorsement, any rights to that other coverage to us; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 3 of 8 b. to do nothing to impair those rights or the transfer of those rights to us; and c. to cooperate with us in the pursuit and enforcement of those rights. Any claim for property damage which arises out of an act, error or omission, or a series of related acts, errors or omissions which commences in one policy year and continues and/or results in additional property damage in a subsequent policy year, will be construed as though the property damage was sustained or incurred solely in the policy year in which the damage first commenced. Electronic Data and Protected Health Information We will pay those sums that the insured becomes legally obligated to pay as damages because of the loss of “Electronic data” or disclosure of “Protected health information”. The loss of “Electronic data” must be caused by a negligent act, error or omission or a series of causally related negligent acts or errors or omissions which take place during the time that this policy is in effect. All damages which arise out of an offense which constitutes a disclosure, loss or use of “Protected health information” or a series of continuous or interrelated disclosures, losses or uses of “Protected health information” will be considered as arising out of one disclosure, loss or use of “Protected health information” which shall be deemed to be an offense committed on the date of the first such disclosure, loss or use of “Protected health information” or violation of privacy rights through the disclosure, loss or use of “Protected health information”, which disclosure, loss, use or violation must take place during the time that this policy is in effect. The most we will pay for the sum of all damages and expenses under this policy because of “Loss of electronic data” and/or the disclosure, loss or use of “Protected health information” shall be an annual aggregate limit of $50,000. Executive Recruitment Expense We will reimburse necessary and reasonable extra expense incurred to recruit a person to replace the Chief Executive Officer or Executive Director of the ”Organization” if the Chief Executive Officer or the Executive Director dies by accident during the policy period. Such extra expense includes amounts paid by the “Organization” for advertising, travel reimbursement, legal costs and executive search firm consulting fees. This additional coverage is subject to an annual aggregate of $50,000, which is the most we will pay for the sum of all recruitment expense claims under this policy. Identity Theft Expense We will reimburse any natural person who qualifies as a current “Member”, for necessary and reasonable “Identity theft expense” due to an “Identity theft” first discovered by the “Member” during the policy period, reported to us within 60 days after discovery, and if the “Identity theft” occurred while the “Member” was acting within the scope of employment for the “Organization”. This additional coverage is subject to an annual aggregate of $30,000, which is the most we will pay for the sum of all “Identity theft expense” claims under this policy. Kidnap Expense We will reimburse necessary and reasonable expenses incurred by the “Organization” resulting directly from the kidnapping of a “Member” or a “Relative” during the policy period. This additional coverage is subject to an annual aggregate of $50,000, which is the most we will pay for the sum of all kidnap expense claims under this policy. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 4 of 8 Necessary and reasonable kidnap expenses include: 1. Fees and costs of independent negotiators; 2. Travel costs and accommodations incurred by a “Member” or a “Relative”; 3. Salary paid by the “Organization” to a “Member” who is kidnapped, from the date of abduction to the earliest of: a. Up to 30 days after release if the kidnapped “Member” has not yet returned to work; b. Discovery of the kidnapped “Member’s” death; c. 120 days after the last credible evidence following abduction that the kidnapped “Member” is still alive; or d. 60 months after the Member’s” abduction. 4. Interest costs for any loan from a financial institution taken by the “Organization” to pay a ransom demand; 5. Reward money paid by the “Organization” to an informant, other than a “Member” or a “Relative,” that leads to the arrest and conviction of parties responsible for loss under this additional coverage. Network Security Reimbursement We will reimburse you up to $10,000 for reasonable costs and expenses you have incurred, with our prior written consent and subject to verification, for payment of an insurance deductible and/or self-insured retention for insurance issued to you as the named insured by an entity other than us, which insurance has been paid to you or on your behalf for a loss sustained during the time that this endorsement is in effect or a claim for damage sustained during the time that this endorsement is in effect, which loss or damage results from the unauthorized access to, disclosure from or interference with your computer system, including the failure by you to prevent such unauthorized access, disclosure or interference. Newly Formed Entities Section II – Who is an Insured, Paragraph 3. a. is replaced by the following: a. Coverage under this provision is afforded until the end of the policy period. Non-owned Watercraft COVERAGE A - BODILY INJURY AND PROPERTY DAMAGE LIABILITY, Paragraph 2.g. Exclusions, Aircraft, Auto, or Watercraft Subparagraph (2) (a) is replaced by the following: (a) Less than 75 feet long; and Security Event Costs and Expenses We will reimburse you for reasonable costs and expenses you incur, with our prior written consent, for notification of a "Security event" to third parties in compliance with governmental or judicial requirements, or for credit protection services furnished to third parties whose private information may have been disclosed. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 5 of 8 Our maximum aggregate limit of liability for all "Security event" costs and expenses covered by this policy shall be $50,000. Subpoena Response Expense We will reimburse an Insured for expenses incurred in responding to a subpoena which the Insured first receives during the term of this policy and has reported in writing to us prior to the incurring of the expenses. The maximum amount reimbursable under this coverage, regardless of the number of subpoenas or number of insureds receiving subpoenas is $10,000 per policy period. Terrorism Travel Reimbursement We will reimburse any current “Member” for necessary and reasonable “Extraordinary travel expense” incurred because of a “Certified Act of Terrorism” during the policy period. This additional coverage is subject to an annual aggregate of $30,000, which is the most we will pay for the sum of all “Extraordinary travel expense” claims under this policy. Unsatisfied Contributions We will pay, with respect to an "Unsatisfied contribution", the unpaid balance of a prior written pledge to contribute, up to an annual aggregate amount of $25,000 for all such claims. This Additional Coverage does not apply to: 1. An “Unsatisfied contribution” from a donor who filed for, or who was in, bankruptcy before you received the donor's written pledge to contribute: 2. Any amount in excess of the fair market value of an “Unsatisfied contribution” of goods, services or property; 3. An “Unsatisfied contribution” where either the donor or you believed at the time of the written pledge that the donor would not be able to contribute the full amount pledged; 4. An “Unsatisfied contribution” arising out of a written pledge made prior to the policy period; 5. An “Unsatisfied contribution” first known to you after the policy period. Workplace Violence / Crisis Incident / Outside Aggressor We will pay with respect to a “Workplace violence incident”, “Crisis incident”, or “Outside aggressor incident” (collectively referred to herein as the incident) during the policy period and with our prior written consent the following: 1. all reasonable expenses you incur for psychological counseling of your “employee(s)” during the six months following the incident, subject to Exclusion 2.d of Section I, Coverage A within the Commercial General Liability Coverage Form to which this endorsement is attached regarding Workers’ Compensation and similar laws; 2. reimbursement for the cost of the physical damage to or loss of use of personal property used in your business caused by the incident; 3. public relations consultant costs incurred by you within 90 days of the incident; 4. recruitment costs to replace your employee(s) who were physically present during the incident and are unable to continue working as a result of the incident where such costs are incurred within 90 days of the incident; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 6 of 8 5. reimbursement of security costs or measures incurred by you within 30 days of the incident; and 6. reimbursement of funeral costs of up to $10,000 per “employee” as a result of the incident. Our maximum aggregate limit for all costs and expenses included within the Workplace violence / Crisis incident / Outside aggressor coverage shall be $100,000 per policy period. This coverage shall not be applicable to any cost and/or expense which is covered by any other coverage issued by us to the Named Insured of the policy to which this endorsement is attached. III. SUPPLEMENTARY PAYMENTS Bail Bonds Supplementary Payments – Coverages A and B, Paragraph 1. b. is replaced by the following: b. Up to $5,000 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. Investigation or Defense Supplementary Payments – Coverages A and B, Paragraph 1. d. is replaced by the following: d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or “suit”, including actual loss of earnings up to $1,000 a day because of time off from work. IV. COVERAGE B - PERSONAL AND ADVERTISING INJURY LIABILITY For the purposes of the coverage provided by this endorsement the following Exclusion is added to Coverage B - Personal and Advertising Injury Liability: 2. Exclusions: q. Fines, Penalties and Damages Fines, penalties, sanctions, punitive or exemplary damages, the multiplied portion of multiplied damages, non-pecuniary relief or any amount arising from matters deemed uninsurable under the law pursuant to which this policy shall be construed. V. ADDITIONAL DEFINITIONS “Certified Act of Terrorism” means an act that is certified by the Secretary of the Treasury, in concurrence with the Secretary of State and the Attorney General of the United States, to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act of 2002 or any extension or amendment of the Terrorism Risk Insurance Act of 2002 or any similar law. “Client” means an individual or individuals enrolled or participating in a program, class, activity, and/or receiving services administered, managed, supervised or governed by you. “Crisis incident” means a dangerous or unsafe event, such as the discharge of pollutants or politically inspired violence at your business premises or at an event sponsored by you, resulting in death or serious bodily injury to three or more persons, including a public announcement that a “Crisis incident” has occurred on your business premises or at an event sponsored by you. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 7 of 8 “Cyber breach management" means hiring for a specified period of time following a "Cyber security event" such organizations as a law firm, an information security firm or a public relations firm, as well as preparation and placement of advertisements and public relations activities. "Cyber security event" means: 1. An act, error or omission that results, during the policy period, in unauthorized access or unauthorized use of your computer system; or 2. Unauthorized or unexpected interference by anyone that restricts or prevents access, during the policy period, to a computer system by persons who are authorized to gain such access; or 3. Infection of your computer system, during the policy period, by corrupting or harmful computer code. "Electronic data" means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. “Extraordinary travel expense” means necessary and reasonable hotel expense incurred within 48 hours of a “Certified Act of Terrorism” that caused a “Member’s” commercial train trip or airline flight to be cancelled, as well as the increased amount necessarily and reasonably incurred by the “Member” due to rescheduling train or airline transportation that was cancelled as a result of a “Certified Act of Terrorism”. “Identity theft” means fraudulent use of the social security number or other method of identifying a current “Member”, except the “Organization”, and includes fraudulently using the personal identity of the “Member” to establish credit, secure loans, enter into contracts or commit crimes. “Identity theft expense” means necessary and reasonable expense for: 1. Costs of re-filing applications for loans, grants or other credit instruments that are rejected solely as the result of an “Identity theft”; or 2. Costs of notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of the “Member’s” efforts to report an “Identity Theft” or amend or rectify records with respect to the “Member’s” true name or identity as a result of an “Identity theft”. “Loss of electronic data" means: 1. Damage to, loss of, loss of use of, corruption of, inability to access or inability to manipulate "electronic data", and 2. "Identity theft". "Member" means the “Organization” and any natural person who was, is, or becomes duly elected a director or trustee, or duly elected or appointed officer, employee, committee member, volunteer, intern or student in training of the “Organization”, solely in his or her capacities as such. "Member" also means the spouse of a director, trustee, officer, employee, committee member, volunteer, intern or student in training for a claim arising solely out of his or her status as the spouse of a member. “Organization” means the entity(ies) designated as the Named Insured in the declarations. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-NPO-001 05 20 Page 8 of 8 “Outside aggressor event” means an attack at or adjacent to your business premises by a person or group or persons, not your employee or employees, actively engaged in killing, attempting to kill or causing serious physical injury to a person or group of persons. “Protected health information” means any information, whether oral or recorded in any form or medium: 1. That relates to the past, present or future physical or mental condition of an individual; the provision of health care to an individual; or the past, present or future payment for the provision of health care to an individual; 2. That identifies the individual or with respect to which there is a reasonable basis to believe the information can be used to identify that individual; and 3. as defined within the Health Insurance Portability and Accountability Act of 1996, 42 U.S.C. §1320d-1320d-8 (“HIPAA”) and other similar federal, state or local laws or statutes. “Relative” means the spouse, parent, child (including a ward or foster child) or legally recognized domestic partner of a “Member”. "Reward" means the reasonable amount that you pay a person for information regarding a "security event" or threatened or actual extortion covered by this policy; provided that the information is not otherwise available and leads to the arrest and conviction of a person responsible for the “security event” or extortion. "Security event" means: 1. An act, error or omission that results, during the policy period, in unauthorized access or unauthorized use of your computer system; or 2. Unauthorized or unexpected interference by anyone that restricts or prevents access, during the policy period, to a computer system by persons who are authorized to gain such access; or 3. Infection of your computer system, during the policy period, by corrupting or harmful computer code. "Unsatisfied contribution" means a contribution of money, goods, services or property, pledged to you in writing, that is not honored because of the donor's bankruptcy, reorganization, unemployment or incapacitation where such bankruptcy, reorganization, unemployment or incapacitation prevents the donor from fulfilling its terms of the contribution. “Workplace violence incident” means any intentional threat or act of deadly force, including stalking and/or actual or attempted suicide, occurring on your premises and resulting in “bodily injury” to your employee(s), to your guest(s), or to your business invitee(s). DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IL 00 21 09 08 © ISO Properties, Inc., 2007 Page 1 of 2 NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1 . The insurance does not apply: A. Under any Liability Coverage, to "bodily injury" or "property damage": (1) With respect to which an "insured" under the policy is also an insured under a nucle- ar energy liability policy issued by Nuclear Energy Liability Insurance Association, Mu- tual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of li- ability; or (2) Resulting from the "hazardous properties" of "nuclear material" and with respect to which (a) any person or organization is re- quired to maintain financial protection pur- suant to the Atomic Energy Act of 1954, or any law amendatory thereof, or (b) the "in- sured" is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organi- zation. B. Under any Medical Payments coverage, to expenses incurred with respect to "bodily inju- ry" resulting from the "hazardous properties" of "nuclear material" and arising out of the opera- tion of a "nuclear facility" by any person or or- ganization. C. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazard- ous properties" of "nuclear material", if: (1) The "nuclear material" (a) is at any "nuclear facility" owned by, or operated by or on be- half of, an "insured" or (b) has been dis- charged or dispersed therefrom; (2) The "nuclear material" is contained in "spent fuel" or "waste" at any time pos- sessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an "insured"; or (3) The "bodily injury" or "property damage" arises out of the furnishing by an "insured" of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nu- clear facility", but if such facility is located within the United States of America, its terri- tories or possessions or Canada, this ex- clusion (3) applies only to "property dam- age" to such "nuclear facility" and any property thereat. 2 . As used in this endorsement: "Hazardous properties" includes radioactive, toxic or explosive properties. "Nuclear material" means "source material", "spe- cial nuclear material" or "by-product material". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 2 © ISO Properties, Inc., 2007 IL 00 21 09 08 "Source material", "special nuclear material", and "by-product material" have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. "Spent fuel" means any fuel element or fuel com- ponent, solid or liquid, which has been used or ex- posed to radiation in a "nuclear reactor". "Waste" means any waste material (a) containing "by-product material" other than the tailings or wastes produced by the extraction or concentra- tion of uranium or thorium from any ore processed primarily for its "source material" content, and (b) resulting from the operation by any person or or- ganization of any "nuclear facility" included under the first two paragraphs of the definition of "nucle- ar facility". "Nuclear facility" means: (a) Any "nuclear reactor"; (b) Any equipment or device designed or used for (1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent fuel", or (3) handling, processing or packag- ing "waste"; (c) Any equipment or device used for the pro- cessing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the "insured" at the premises where such equipment or device is located consists of or contains more than 25 grams of plutoni- um or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; (d) Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste"; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self- supporting chain reaction or to contain a critical mass of fissionable material. "Property damage" includes all forms of radioac- tive contamination of property. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E72 01 17 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. OTHER INSURANCE – COVERAGE C This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ____________________________________________________________________________________________ Condition 4. Other Insurance is revised as follows. The first paragraph is deleted in its entirety and is replaced with: “If other valid and collectible insurance is available to the insured for a loss we cover under Coverages A, B, or C of this Coverage Part, our obligations are limited as follows:” Additionally, Part b. Excess Insurance is revised to include paragraph (1) as follows: “(a) (v) Volunteer and Participant Accident Insurance.” DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER:COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – OWNERS, LESSEES OR CONTRACTORS – SCHEDULED PERSON OR ORGANIZATION CG 20 10 04 13 2020-35634 Named Insured:Voices Together Any person or organization that you are required to add as an additional insured on this policy, under a written contract or agreement currently in effect, or becoming effective during the term of this policy. The additional insured status will not be afforded with respect to liability arising out of or related to your activities as a real estate manager for that person or organization. All insured premises and operations. Location(s) Of Covered Operations Name Of Additional Insured Person(s) Or Organization(s) SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following: Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: 1. Your acts or omissions; or 2. The acts or omissions of those acting on your behalf; in the performance of your ongoing operations for the additional insured(s) at the location(s) designated above. However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and A. B.With respect to the insurance afforded to these additional insureds, the following additional exclusions apply: This insurance does not apply to "bodily injury" or "property damage" occurring after: 1. All work, including materials, parts or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. © Insurance Services Office, Inc., 2012 Page 1 of 2CG 20 10 04 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 2. That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. C.With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. © Insurance Services Office, Inc., 2012 Page 2 of 2CG 20 10 04 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 24 07 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 24 07 01 96 Copyright, Insurance Services Office, Inc., 1994 Page 1 of 1 PRODUCTS/COMPLETED OPERATIONS HAZARD REDEFINED This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Description of Premises and Operations: Any Premises and Operations of the Named Insured. (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to "bodily injury" or "property damage" arising out of "your products" manufactured, sold, handled or distributed: 1. On, from or in connection with the use of any premises described in the Schedule, or 2. In connection with the conduct of any operation described in the Schedule, when conducted by you or on your behalf, Paragraph a. of the definition of "Products-completed operations hazard" in the DEFINITIONS Section is replaced by the following: "Products-completed operations hazard": a. Includes all "bodily injury" and "property dam- age" that arises out of "your products" if the "bodily injury" or "property damage" occurs af- ter you have relinquished possession of those products. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E078 12 18 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DESIGNATED PROFESSIONAL SERVICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Any and all “professional services” except to the extent that coverage is provided by the Social Service Professional Liability Coverage Form. With respect to any “professional services” shown in the Schedule, this insurance does not apply to “bodily injury”, “property damage”, or “personal and advertising injury” arising out of an act, error or omission committed in the performance of “professional services” by you or by any other person for whose act, error or omission you are legally responsible. “Professional services” is defined to mean conduct arising out of a vocation, calling, occupation or employment involving specialized knowledge, labor or skill, and the labor or skill involved is predominantly mental or intellectual, rather than physical or manual; including but not limited to acts, errors or omissions committed by individuals in their capacities as an acupuncturist, adoption services employee, aide, assisted-living provider, childcare worker, chiropractor, CNA, counselor, daycare provider, educator, home health aide, instructor, LPN, mentor, nurse assistant, nutritionist, optician, phlebotomist, psychiatrist, psychologist, RN, resident home care provider and supervisors, social worker, teacher, therapist, tutor or veterinarian. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY CG 21 96 03 05 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 21 96 03 05 © ISO Properties, Inc., 2004 Page 1 of 1 SILICA OR SILICA-RELATED DUST EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2., Exclusions of Section I – Coverage A – Bodily Injury And Property Damage Liability: 2. Exclusions This insurance does not apply to: Silica Or Silica-Related Dust a. "Bodily injury" arising, in whole or in part, out of the actual, alleged, threatened or sus- pected inhalation of, or ingestion of, "silica" or "silica-related dust". b. "Property damage" arising, in whole or in part, out of the actual, alleged, threatened or suspected contact with, exposure to, ex- istence of, or presence of, "silica" or "silica- related dust". c. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing, contain- ing, treating, detoxifying, neutralizing, reme- diating or disposing of, or in any way re- sponding to or assessing the effects of, "silica" or "silica-related dust", by any in- sured or by any other person or entity. B. The following exclusion is added to Paragraph 2., Exclusions of Section I – Coverage B – Person- al And Advertising Injury Liability: 2. Exclusions This insurance does not apply to: Silica Or Silica-Related Dust a. "Personal and advertising injury" arising, in whole or in part, out of the actual, alleged, threatened or suspected inhalation of, in- gestion of, contact with, exposure to, exist- ence of, or presence of, "silica" or "silica- related dust". b. Any loss, cost or expense arising, in whole or in part, out of the abating, testing for, monitoring, cleaning up, removing, contain- ing, treating, detoxifying, neutralizing, reme- diating or disposing of, or in any way re- sponding to or assessing the effects of, "silica" or "silica-related dust", by any in- sured or by any other person or entity. C. The following definitions are added to the Defini- tions Section: 1. "Silica" means silicon dioxide (occurring in crystalline, amorphous and impure forms), sili- ca particles, silica dust or silica compounds. 2. "Silica-related dust" means a mixture or combi- nation of silica and other dust or particles. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER:COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION – PERMITS OR AUTHORIZATIONS CG 20 12 04 13 2020-35634 Named Insured:Voices Together Any state or political subdivision that issues a permit or authorization to the named insured. State Or Governmental Agency Or Subdivision Or Political Subdivision: Subdivision: SCHEDULE COMMERCIAL GENERAL LIABILITY COVERAGE PART This endorsement modifies insurance provided under the following: Information required to complete this Schedule, if not shown above, will be shown in the Declarations. Section II – Who Is An Insured is amended to include as an additional insured any state or governmental agency or subdivision or political subdivision shown in the Schedule, subject to the following provisions: 1. This insurance applies only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit or authorization. However: a. The insurance afforded to such additional insured only applies to the extent permitted by law; and b. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. 2. This insurance does not apply to: a. "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or b. "Bodily injury" or "property damage" included within the "products-completed operations hazard". A. B.With respect to the insurance afforded to these additional insureds, the following is added to Section III – Limits Of Insurance: If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance: 1. Required by the contract or agreement; or 2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. © Insurance Services Office, Inc., 2012 Page 1 of 1CG 20 12 04 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E5 07 15 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TRAMPOLINE, BOUNCE HOUSE, REBOUNDING EQUIPMENT EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to “bodily injury” arising out of the use of trampolines or other rebounding equipment, or inflatable amusement or sports devices, including but not limited to: inflatable slides, bounce houses, moon walks, inflatable wrestling or combatant suits. This exclusion applies unless coverage for a trampoline, bounce house , rebounding equipment, or inflatable amusement or sports device is scheduled on the policy. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG E60 07 12 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. VOLUNTEER MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ____________________________________________________________________________________________ Part 2, Exclusions, of COVERAGE C MEDICAL PAYMENTS is hereby amended to read: 2. Exclusions a. To any insured, except a volunteer worker while acting at your direction and within the scope of their duties as a volunteer for you. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL GENERAL LIABILITY CG 20 21 07 98 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CG 20 21 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1 ADDITIONAL INSURED – VOLUNTEER WORKERS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART Section II – Who Is An Insured is amended to in- clude as an insured any person(s) who are volunteer worker(s) for you, but only while acting at the direction of, and within the scope of their duties for you. How- ever, none of these volunteer worker(s) are insureds for: 1. "Bodily injury" or "personal and advertising injury": a. To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability com- pany), to your other volunteer worker(s) or to your "employees" arising out of and in the course of their duties for you; b. To the spouse, child, parent, brother or sister of your volunteer worker(s) or your "employees" as a consequence of Para- graph 1.a. above; c. For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs 1.a. or b. above; or d. Arising out of his or her providing or failing to provide professional health care services. 2. "Property damage" to property: a. Owned, occupied, or used by, b. Rented to, in the care, custody or control of, or over which physical control is being exer- cised for any purpose by you, any of your other volunteer workers, your "employees", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Voices TogetherNAMED INSURED: FORM: ANI-RRG-E26 11 17 POLICY NUMBER: 2020-35634 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS (WAIVER OF SUBROGATION) COMMERCIAL GENERAL LIABILITY COVERAGE PART SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: Name of Person or Organization: SCHEDULE Where you are so required in a written contract or agreement currently in effect or becoming effective during the term of this policy, we waive any right of recovery we may have against that person or organization, who may be named in the schedule above, because of payments we make for injury or damage. Page 1 of 1ANI-RRG-E26 11 17 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E131 ISC 05 20 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE FORM SCHEDULE Name Of Additional Insured Person(s) Or Organization(s) Any person, entity or organization that you are required to add as an additional insured for claims of “improper sexual conduct” or “physical abuse” under a written contract or agreement currently in effect or becoming effective during the term of this policy. Section 4 – Who Is An Insured is amended to include as an additional insured the person, entity or organization shown in the Schedule, but only with respect to liability for "bodily injury", arising from “improper sexual conduct” or “physical abuse” caused solely by your operations; which “bodily injury” is caused by an act of “improper sexual conduct” or “physical abuse” committed within the coverage territory and which act of “improper sexual conduct” or “physical abuse” first takes place during the term of the policy to which this endorsement is attached. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E069 ISC 02 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FISCAL SPONSOR LIMITATION OF COVERAGE This endorsement modifies insurance provided under the following: IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE FORM This insurance does not apply to “damages” arising out of any act, error or omission committed by or on behalf of an Insured’s status as a “fiscal sponsor” until: a. The first Named Insured enters into a “fiscal sponsor agreement” arising out of or in connection with the first Named Insured’s status as a “fiscal sponsor” for that person, entity or organization; and b. The first Named Insured provides any underwriting information and pays any additional premium required by us. This insurance does not apply to “damages” that occur before the first Named Insured enters into the “fiscal sponsor agreement” which is applicable to the claim or “suit” in which the “damages” are asserted. If there is other insurance available to any party pursuant to a “fiscal sponsor agreement“ for “damages” which are covered by this endorsement, including but not limited to a duty to defend the first Named Insured by that other insurance, the coverage provided by this endorsement is excess to that other insurance. “Fiscal sponsor” is defined to mean the first Named Insured’s status as the entity or organization which offers its legal and tax-exempt status to another person, entity or organization pursuant to a “fiscal sponsor agreement”; who participates in the operations of that person, entity or organization by receiving assets and incurring liabilities for the mutual benefit of pursuing charitable goals; and in consideration for the benefit of that person, entity or organization has assumed responsibility to manage programs, events, revenue, grants, contributions, contracts and/or insurance programs. “Fiscal sponsor agreement” is defined as a written contract or agreement by the first Named Insured with a person, entity and/or organization in which the first Named Insured agrees to serve as a “fiscal sponsor” for such person, entity or organization. . DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 1 of 9 IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE FORM PLEASE READ THE ENTIRE FORM CAREFULLY Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we”, "us" and "our" refer to the Company issuing this policy. The word "insured" means any person or organization qualifying as such under SECTION 4 - WHO IS AN INSURED. Other words and phrases that appear in quotation marks have special meaning. Refer to SECTION 7- DEFINITIONS. SECTION 1 - COVERAGES BODILY INJURY ARISING FROM IMPROPER SEXUAL CONDUCT OR PHYSICAL ABUSE 1. Insuring Agreement. a. We will pay those sums that an insured becomes legally obligated to pay as “damages” because of "bodily injury" arising from "improper sexual conduct” or “physical abuse”. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SECTION 3 - OTHER PAYMENTS. SECTION 5 - LIMITS OF INSURANCE includes sums paid for “damages” and OTHER PAYMENTS. The first act of “improper sexual conduct” or “physical abuse” must be committed in the "coverage territory" during the effective dates of this policy’s period. We will have the right and duty to defend any "suit" seeking such “damages”. But: (1) The amount we will pay for “damages” and SECTION 3 - OTHER PAYMENTS is limited as described in SECTION 5 - LIMITS OF INSURANCE; (2) We may, at our discretion, investigate and settle any "claim", “claims” or "suit" seeking such “damages”; and (3) Our right and duty to defend ends when we have exhausted the applicable limits as described in SECTION 5 – LIMITS OF INSURANCE or of items explicitly provided for under SECTION 3 - OTHER PAYMENTS. b. Any “claim”, "claims" or "suits" for “damages” because of "bodily injury" arising from a single act or a series of continuous or repeated acts of "improper sexual conduct” or “physical abuse” by the same person or two or more persons acting in concert, including “damages” claimed by any person or organization for care, loss of services, or death resulting at any time from "bodily injury" arising from “improper sexual conduct” or “physical abuse”, will be considered as having resulted from the same “improper sexual conduct” or “physical abuse”, which shall be deemed to have been committed on the date of the first such act. The date of the first such act of “improper sexual conduct” or “physical abuse” must take place during the effective dates of this policy. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 2 of 9 SECTION 2 - EXCLUSIONS 1. This insurance does not apply to “bodily injury” arising from “improper sexual conduct” or “physical abuse” to: a. An employee of an insured; b. The spouse, parent, brother or sister of an employee of an insured; c. A “resident relative” under the age of 18 of any employee of an insured, where the “improper sexual conduct” or “physical abuse” is committed or alleged to be committed by that employee. This exclusion shall not apply when the “bodily injury” is sustained while the claimant is also your client and receiving services that you customarily provide and the “bodily injury” results from those services. 2. This insurance does not apply to "bodily injury" arising from “improper sexual conduct” or “physical abuse” for which an insured 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 an insured would have in the absence of the contract or agreement. 3. This insurance does not apply to “bodily injury" arising from “improper sexual conduct” or “physical abuse” which is subject to any obligation of an insured pursuant to a worker’s compensation, disability benefits or unemployment compensation law or any similar law. 4. This insurance does not apply for the benefit of any individual insured who intentionally caused the "bodily injury" that is the subject of the “claim”, “claims” or “suit” or is convicted of a criminal offense as a result of any “improper sexual conduct” or “physical abuse”. 5. This insurance does not provide any coverage for or pay any defense fees or related costs arising from a criminal action or proceeding. 6. This insurance does not apply to "bodily injury" arising from “improper sexual conduct” or “physical abuse” which takes place prior to or after the effective dates of this policy. 7. This insurance does not apply to any “claim”, “claims” or “suit” of “sexual harassment” arising out of the employment status of the claimant. 8. This insurance does not apply to any “claim”, “claims” or “suit” of “sexual harassment” arising out of the volunteer status of the claimant. 9. This insurance does not apply to any “claim”, “claims” or “suit” of “sexual harassment” arising out of the business invitee status of the claimant. 10. This insurance does not apply to any “claim”, “claims” or “suit” for “bodily injury” arising from “improper sexual conduct” or “physical abuse” resulting from an act, error or omission committed in the performance of professional services, except for an insured’s failure to provide professional services to any person or the neglect of the therapeutic needs of any person because of “improper sexual conduct” or “physical abuse” following any form of “improper sexual conduct” or “physical abuse” for which an insured could be legally liable. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 3 of 9 SECTION 3 - OTHER PAYMENTS THESE PAYMENTS WILL REDUCE THE LIMITS OF INSURANCE. We will pay, with respect to any "claim", “claims” or "suit" we defend: 1. All expenses we incur, including but not limited to, reasonable and customary attorney fees, costs and disbursements. 2. The cost of a bond or bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to apply for or furnish the bond or bonds. 3. All reasonable expenses incurred by an insured at our request to assist us in the investigation or defense of the "claim", “claims” or "suit”, including actual loss of earnings up to $100 a day because of time off from work. 4. All costs taxed against an insured in the "suit" but this does not include any attorney’s fees or expert witness fees taxed as costs pursuant to statute. 5. Pre-judgment interest awarded against an insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any pre-judgment interest based on that period of time after the offer. 6. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay or deposited in court the part of the judgment that is within the applicable limit of insurance. 7. Up to $10,000 to reimburse you for wages paid to your employee who is suspended with pay during the investigation or defense of the “improper sexual conduct” or “physical abuse” allegations. SECTION 4 - WHO IS AN INSURED 1. If you are designated in the Declarations as: a. A nonprofit corporation, you are an insured. Your executive officers and directors are insureds, but only with respect to their duties as your executive officers and directors. b. A partnership or joint venture, you are an insured. Your members, your partners and their spouses are also insureds, but only with respect to the conduct of your business. 2. Each of the following is also an insured: a. Your employees, volunteers, interns and students-in-training, but only for acts within the scope of their employment, volunteer work, internship or training with you. b. The legal representative of any insured who has died, but only with respect to the duties of that legal representative as such. That legal representative will have all of the deceased insured’s rights and duties under this policy. 3. Any organization you newly acquire or form, other than a partnership or joint venture over which you maintain ownership or majority ownership or controlling interest, will be deemed to be an insured if there is no other similar insurance available to that organization. However: DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 4 of 9 a. Coverage under this provision is afforded only if you notify us before the acquisition of or formation of such organization and agree to pay us an additional premium that we deem appropriate; and b. Coverage does not apply to "bodily injury" arising from “improper sexual conduct” or “physical abuse” that was committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations. No person is an insured for liability arising out of any “improper sexual conduct” or “physical abuse” that results in a criminal conviction of that person. However, any individual insured who is the subject of a criminal action or proceeding will continue to qualify as an insured under this policy for the civil action alleging “improper sexual conduct” or “physical abuse” until such time as the individual insured is convicted of a criminal offense as a result of “improper sexual conduct” or “physical abuse” or is found to have intentionally caused the “bodily injury” that is the subject of the civil action. No person is an insured with respect to “bodily injury” resulting from any “improper sexual conduct” or “physical abuse” which arises out of an act, error or omission performed in that person’s capacity or responsibility as a foster parent, adoptive parent or biological parent. SECTION 5 - LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. “Claim” or "claims" made or "suits" brought; or c. Persons or organizations making a “claim” or "claims" or bringing a "suit." 2. The General Aggregate Limit is the most we will pay for the sum of all items explicitly provided for under SECTION 3 - OTHER PAYMENTS and all “damages” under this policy. 3. Subject to 1 and 2 above, whichever applies, the Each Claim Limit is the maximum we will pay for the sum of all items explicitly provided for under SECTION 3 - OTHER PAYMENTS and “damages” because of all "bodily injury" sustained by any person or persons arising from "improper sexual conduct” or “physical abuse” committed by any one person or two or more persons acting in concert. 4. Subject to 1, 2, and/or 3 above, whichever applies, the limit for Each Claim is the maximum we will pay for “damages” for "bodily injury" sustained in any one "claim" and includes all derivative “claim” or "claims", including but not limited to, loss of society, loss of companionship, loss of services and loss of consortium. 5. The limits of this coverage apply separately to each consecutive annual period, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance and will not increase or reinstate the applicable limits of insurance. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 5 of 9 SECTION 6 - CONDITIONS 1. Bankruptcy. Bankruptcy or insolvency of an insured or of an insured's estate will not relieve us of our obligations under this policy. 2. Your Duties. a. You must see to it that we are notified as soon as practicable if you become aware of any “improper sexual conduct” or “physical abuse” which may result in a "claim", “claims” or “suit.” To the extent possible, notice should include: (1) How, when and where the “improper sexual conduct” or “physical abuse” took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any "bodily injury" arising from the “improper sexual conduct” or “physical abuse”. b. If a "claim" or “suit” is received by any insured you must: (1) Immediately record the specifics of the "claim" or “suit” and the date received; and (2) Notify us as soon as practicable by any means available. You must see to it that we receive written notice of the "claim" or “suit” as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "claim", “claims” or "suit"; and (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation, settlement or defense of the "claim", “claims” or "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to an insured because of “damages” to which this insurance may apply. d. No insured will, except at that insured’s own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for medical first aid, without our prior written consent. 3. Legal Action Against Us. No person or organization has a right under this policy: a. To join us as a party or otherwise bring us into a "suit" asking for “damages” from an insured; or b. To sue us on the coverage provided by this policy unless all of this policy’s terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured obtained after an actual trial; but we will not be liable for “damages” that are not payable DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 6 of 9 under the terms of this policy or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, an insured and the claimant or the claimant's legal representative. 4. Other Insurance. a. Primary Insurance. This insurance is primary except when b. 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 c. below. b. This insurance is excess over: (1) Any other applicable insurance, whether primary, excess, contingent or on any other basis, that is written on a claims-made basis; or (2) Any other primary insurance available to any insured covering “damages” arising from “improper sexual conduct” or “physical abuse” for which that insured has been added as an additional insured by an endorsement to that other primary insurance. When this insurance is excess, we will have no duty under this coverage to defend any “claim”, "claims" or "suit" that any other insurer has a duty to defend. If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against that other insurer or 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: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) 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 Insurance shown in the Declarations of this Coverage. 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. d. No coverage shall be afforded by this policy if coverage for the “claim”, “claims” or “suit” is afforded under any other policy issued by us. 5. Premium Audit. a. We will compute all premiums for this policy in accordance with our rules and rates. b. The premium shown in this policy as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period. Audit premiums are due and payable on notice to you. If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium, we will return the excess you. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 7 of 9 c. You must keep records of the information we need for premium computation and send us copies at such times as we may request. 6. Representations. By accepting this policy, you agree that: a. The statements in the Application for this insurance and the Declarations to this policy are accurate and complete; b. Those statements are based upon representations you made to us; c. We have issued this policy in reliance upon your representations; and d. You will promptly inform us of any changes in such representations which may occur during this policy’s period. 7. Separation of Insureds. Except with respect to the SECTION 5 - LIMITS OF INSURANCE, and any rights or duties specifically assigned to the Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom a "claim", or “claims” is made or a "suit" is brought. 8. Transfer of Rights of Recovery Against Others to Us. If an insured has rights to recover all or part of any payment we have made under this policy, those rights are transferred to us. The insured must do nothing after a “claim”, “claims” or “suit” to impair those rights. At our request, the insured will bring legal action or transfer those rights to us and help us enforce them. 9. Your Right to Claim Information. If requested to do so in writing, we will provide you the following information relating to this and any preceding “improper sexual conduct” or “physical abuse” liability coverage we have issued to you during the previous three years: a. A list or other record of each "claim" that has been reported to us. We will include the loss date and a brief description of the "claim" if that information was in the notice we received. b. A summary by policy year, of payments made and amounts reserved, stated separately, under any applicable General Aggregate Limit. Amounts reserved are based on our judgment. The reserved amounts are subject to change and should not be regarded as ultimate settlement values. If we cancel or elect not to renew this policy, upon receipt of written request, we will provide such information no later than 30 days before the date of policy termination. In other circumstances, we will provide this information only if we receive a written request from you within 60 days after the end of the policy period. In this case, we will provide this information within 45 days of our receipt of this request. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 8 of 9 We compile "claim" information for our own business purposes and exercise reasonable care in doing so. In providing this information to you, we make no representations or warranties to insureds, insurers, or others to whom this information is furnished by or on behalf of any insured. Cancellation or non- renewal will be effective even if we inadvertently provide inaccurate information. SECTION 7 - DEFINITIONS 1. "Bodily injury" means physical injury, sickness or disease including emotional distress or mental anguish sustained by a person, “Bodily injury” includes death resulting from “improper sexual conduct” or “physical abuse”. 2. "Claim" or "claims" means any demand or "suit" against any insured which seeks “damages” for "bodily injury" arising from "improper sexual conduct” or “physical abuse”. It is understood that the "claim", "claims" or “suit” must result from “improper sexual conduct” or “physical abuse” that is committed during the effective dates of this policy. 3. “Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, provided the “bodily injury”’ or “physical abuse” does not occur in the course of travel or transportation to or from any place not included in 3.a. above; or c. All parts of the world if: (1) The person or persons responsible for the acts of “improper sexual conduct” or “physical abuse” residence is in the territory described in 3.a. above, but is away for a short time on your business; and (2) The insured's responsibility to pay “damages” is determined in a "suit" on the merits in the territory described in 3.a. above or in a settlement we agree to. 4. "Damages" means the monetary portion of any judgment or award or a settlement to which we have consented, but does not include: a. Civil or criminal fines, sanctions or penalties; b. Punitive or exemplary damages; c. The multiplied portion of multiplied “damages”; d. Any amount uninsurable under the law pursuant to which this coverage shall be construed; or e. Equitable relief, including but not limited to, injunctions, restraining orders or restitution, as well as the costs of complying with equitable relief. 5. “Improper sexual conduct” means actual, attempted, or alleged unlawful sexual conduct by one person or two or more persons acting in concert as prohibited by federal or state law, including but not limited to sexual abuse, sexual molestation, sexual assault, sexual battery, sexual exploitation, erotic physical contact, sexual injury, the failure to report an incident of “improper sexual conduct” to the proper authorities, the withholding of pertinent information concerning an incident of “improper sexual conduct” from the proper authorities or the failure to provide professional services to any person or the neglect of the therapeutic needs of any person because of “improper sexual conduct” following any form of “improper sexual conduct” for which an insured could be legally liable. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-ISCET 05 20 Page 9 of 9 Each, every and all actual, threatened or alleged act or acts of “improper sexual conduct” committed by, participated in, directed by, instigated by or knowingly allowed to happen by one person or two or more persons acting in concert shall be considered to be one act of “improper sexual conduct” regardless of: a. the number of injured parties; b. the period of time over which the act or acts of “improper sexual conduct” take place; or c. the number of acts of “improper sexual conduct”. 6. “Physical abuse” includes, but is not limited to, any act of actual or threatened assault, including assault with a deadly weapon or force likely to produce bodily harm, battery, unreasonable physical restraint or constraint, the failure to report an incident of “physical abuse” to the proper authorities, the withholding of pertinent information concerning an incident of “physical abuse” from the proper authorities or the failure to provide professional services to any person or the neglect of the therapeutic needs of any person because of “physical abuse” following any form of “physical abuse” for which an insured could be legally liable. Each, every and all actual, threatened or alleged act or acts of “physical abuse” committed by, participated in, directed by, instigated by or knowingly allowed to happen by one person or two or more persons acting in concert shall be considered to be one act of “physical abuse” regardless of: a. the number of injured parties; b. the period of time over which the act or acts of “physical abuse” take place; or c. the number of acts of “physical abuse”. 7. "Resident relative" means a person related to any of “your officers, directors, employees, volunteers, interns or students-in-training by blood, marriage, civil union or adoption and who is a member of the household of that officer, director, employee, volunteer, intern or student-in- training. “Resident relative” includes a ward or foster child. 8. “Sexual harassment” means unwelcome sexual advances, requests for sexual favors, or verbal, visual or physical conduct of a sexual nature when such conduct: a. is linked implicitly or explicitly with a decision affecting the employment status of the past or present employee, volunteer status of the past or present volunteer or the business invitee status of the past or present business invitee of the insured, b. interferes with the job performance of an employee, a volunteer or business invitee of the insured, or c. creates an intimidating, hostile or offensive working environment for an employee, a volunteer or business invitee of the insured. 9. "Suit" or “suits” means a civil proceeding, including any appeal therefrom, in which “damages” because of "bodily injury" arising from “improper sexual conduct” or “physical abuse” to which this insurance applies are alleged. "Suit" or “suits” includes an arbitration proceeding alleging such “damages” to which you must submit or submit with consent. "Suit" or “suits” does not include any criminal action or proceeding. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E57 02 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. LIBERALIZATION This endorsement modifies insurance provided under the following: IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE LIABILITY COVERAGE FORM The following is added to the conditions section: If we revise this coverage form or its endorsements during this policy period to provide more coverage without an additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG-E02 01 17 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED – PRIMARY AND NON-CONTRIBUTORY - FOR DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM SCHEDULE Name Of Additional Insured Person(s) Or Organization(s): Any person or organization that you are required to add as an additional insured on this policy, under a written contract or agreement currently in effect, or becoming effective during the term of this policy. The additional insured status will not be afforded with respect to liability arising out of or related to your activities as a real estate manager for that person or organization. Section II — Who Is An Insured is amended to include as an additional insured the person(s) or organization(s) shown in the Schedule, but only with respect to liability for "damages” caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf in the performance of your ongoing operations. The insurance extended by this endorsement is primary coverage when you have so agreed in a written contract or agreement and will be considered non-contributory with the additional insured(s) own insurance. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E125 11 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DISCIPLINARY ACTION COVERAGE This endorsement amends the insurance provided under the following: SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM We will reimburse an Insured for reasonable attorney’s fees, costs and expenses incurred in responding to a “disciplinary action” by reason of an act, error or omission of that insured in the performance of a “professional service” committed during the time that the policy to which this endorsement is attached was in effect. The “disciplinary action” must be reported to us prior to the time that the attorney’s fees, costs and/or expenses are incurred and we must provide our written consent prior to the incurring of such fees, costs and/or expenses. The maximum amount payable under this Additional Coverage, regardless of the number of “disciplinary action(s)” or the number of Insureds responding to a “disciplinary action”, shall be $10,000 per policy period. We have the right but not the obligation to defend any “disciplinary action” or to pay any fine, or penalty award resulting from any “disciplinary action”. “Disciplinary action” is defined to mean an action or proceeding brought against an Insured by or in front of any regulatory agency, disciplinary board, or peer review committee alleging misconduct in the providing of a “professional service”. “Disciplinary action” does not include a criminal action or proceeding. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E11 SSP 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FIREWORKS EXCLUSION This endorsement modifies insurance provided under the following: SOCIAL SERVICES PROFESSIONAL LIABILITY COVERAGE FORM This insurance does not apply to “damages” arising out of the use, handling, distribution or sale of fireworks or any similar explosive device or material, including but not limited to a cherry bomb, firecracker, flare, rocket, skyrocket, sparklers and/or squib. We shall not be obligated to investigate on behalf of an "insured" or to defend or indemnify an "insured" or any person or entity claiming any right under the policy for the matters excluded in this endorsement. Defense and Supplementary Payments shall not apply to any loss, cost, expense, claim or "suit" excluded under any provision set forth above. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-E069 SSP 02 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FISCAL SPONSOR LIMITATION OF COVERAGE This endorsement modifies insurance provided under the following: SOCIAL SERVICES PROFESSIONAL LIABILITY COVERAGE FORM This insurance does not apply to “damages” arising out of any act, error or omission committed by or on behalf of any Insured’s status as a “fiscal sponsor” until: a. The first Named Insured enters into a “fiscal sponsor agreement” arising out of or in connection with its status as a “fiscal sponsor” for that person, entity or organization; and b. The first Named Insured provides any underwriting information and pays any additional premium required by us. This insurance does not apply to “damages” that occur before the first Named Insured enters into the “fiscal sponsor agreement” which is applicable to the claim or “suit” in which the “damages” are asserted. If there is other insurance available to any party pursuant to a “fiscal sponsor agreement“ for “damages” which are covered by this endorsement, including but not limited to a duty to defend the first Named Insured by that other insurance, the coverage provided by this endorsement is excess to that other insurance. “Fiscal sponsor” is defined to mean the first Named Insured’s status as the entity or organization which offers it is legal and tax-exempt status to another person, entity or organization pursuant to a “fiscal sponsor agreement”; who participates in the operations of that person, entity or organization by receiving assets and incurring liabilities for the mutual benefit of pursuing charitable goals; and in consideration for the benefit of that person, entity or organization has assumed responsibility to manage programs, events, revenue, grants, contributions, contracts and/or insurance programs. “Fiscal sponsor agreement” is defined to mean a written contract or agreement by the first Named Insured with a person, entity and/or organization in which the first Named Insured agrees to serve as a “fiscal sponsor” for such person, entity or organization. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E33 SSP 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOLD, FUNGUS OR MICROBIAL CONTAMINATION EXCLUSION This endorsement modifies insurance provided under the following: SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM It is agreed that this policy does not apply to: 1. Any claim, “suit” or cause of action which seeks “damages” arising out of or contributed to by mold, fungus or "microbial contamination"; 2. Any loss, cost or expense arising out of any: a. Request, demand or order that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of mold, fungus or "microbial contamination"; or b. Claim or “suit” by or on behalf of a governmental agency or entity for “damages” because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to or assessing the effects of mold, fungus or "microbial contamination." We shall have no duty or obligation to provide or pay for the investigation or defense of any loss, cost, expense, claim, or “suit” excluded under Provision 1 and/or 2 set forth above. Defense and/or Supplementary Payments shall not apply to any loss, cost, expense, claim or “suit” excluded under Provision 1 and/or 2 set forth above. "Microbial contamination" means any contamination, either airborne or surface, which arises out of or is related to the presence of mold, fungus, or spores, including, without limitation, Penicillium, Aspergillus, or Stachybotrys chartarum. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI-RRG-E42 SSP 09 19 Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR, CHEMICAL AND BIOLOGICAL HAZARD EXCLUSION This endorsement modifies insurance provided under the following: SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM This insurance does not apply to any liability, loss, cost or expense of whatsoever nature directly or indirectly caused by, contributed to by, resulting from, arising out of or in connection with the use or release, or threat thereof, of any nuclear weapon or device or chemical or biological agent, regardless of any other cause or event contributing concurrently or in any other sequence to the loss. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 1 of 10 SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM Throughout this policy the words “you” and “your” refer to the Named Insured shown in the Declarations and any other person or organization qualifying as a Named Insured under this policy. The words “we”, “us” and “our” refer to the Company providing this insurance. SECTION I – COVERAGES 1. INSURING AGREEMENT a. We will pay those sums that an insured becomes legally obligated to pay as “damages” which arise out of an act, error or omission committed in the performance of a “professional service” by you or by any other person for whose act, error or omission you are legally responsible. The act, error or omission must be committed in your business as a social service agency. We will have the right and duty to defend any “suit” seeking those “damages.” We may at our discretion investigate any claim or “suit” that may result. But: (1) The amount we will pay for “damages” is limited as described in Section IV – Limits Of Insurance; and (2) Our right and duty to defend end when we have exhausted the applicable limit of insurance in the payment of “damages.” b. This insurance applies only to an act, error or omission in the performance of a “professional service” that takes place in the “coverage territory” and which “professional service” is committed during the time that this Coverage Form is in effect. 2. EXCLUSIONS This insurance does not apply to: a. Expected Or Intended Injury Any “damages” expected or intended from the standpoint of an insured. b. Contractual Liability Liability arising out of any delay or failure by an insured or anyone acting on an insured’s behalf to perform a contract or agreement in accordance with its terms or for which the insured 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”: (1) That the insured would have in the absence of the contract or agreement; or (2) Assumed in a contract or agreement that is an “insured contract”, provided that the act, error or omission which constitutes a “professional service” is committed subsequent to the execution of the contract or agreement. Solely for the purpose of liability assumed in an “insured contract,” reasonable attorneys’ fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be “damages” which are subject to this Coverage Form, provided: (a) Liability to such party for, or for the cost of, that party’s defense has also been assumed in the same “insured contract”; and (b) Such attorneys’ fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which “damages” to which this insurance applies are alleged. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 2 of 10 c. Prescribing or Dispensing of Drugs Liability arising out of: (1) The prescription of drugs; or (2) The utilization, furnishing or dispensing of drugs or medical, dental, or nursing supplies or appliances except as directed by a “Medical services provider” and in the normal practice of an insured performing a “professional service.” d. Dishonest, Fraudulent, Criminal or Malicious Acts Liability arising out of any dishonest, fraudulent, criminal or malicious act, error or omission by an insured or by any person or organization for whose act, error or omission an insured is legally liable, including, but not limited to, the providing or performing of a “professional service” while any such insured’s, person’s or organization’s license or certification is suspended, revoked, surrendered, or otherwise not in effect. e. Sexual Misconduct or Physical Abuse Liability arising out of: (1) Any form of sexual misconduct, including but not limited to any actual, alleged, attempted, proposed or threatened sexual abuse, molestation, erotic physical contact, or sexual harassment by anyone of any person; (2) Any form of physical abuse, including but not limited to assault, including assault with a deadly weapon or with force likely to produce bodily harm, battery or unreasonable physical restraint or constraint by anyone of any person; or (3) The employment, investigation, supervision, reporting or failure to report to the proper authorities, or retention of a person for whom any insured is or ever was legally responsible and whose conduct would be excluded by (1) or (2) above. f. Professional Services by a Medical Services Provider The rendering or failure to render a “professional service,” other than counseling or nursing services, by a “Medical services provider.” However, as to the Named Insured, this exclusion shall not apply to “Incidental medical services.” g. Claims Covered by Other Insurers Any claim or “suit” for which the insured is entitled to insurance by another insurer because: (1) The other insurer provided a policy or policies which expired prior to the effective date of this coverage form; and (2) Notice was given to the other insurer of a circumstance which might give rise to a claim or “suit” under that insurer’s policy; or, (3) That other insurer provided a policy or policies which provide insurance for the claim or “suit,” and the policy or policies incepted during or subsequent to the expiration of this policy; In which case this policy shall be excess to that policy or policies and shall have no obligation to defend the insured until there is an exhaustion of or finding of inapplicability of that other insurance. h. Professional Certification Liability arising out of an act, error or omission performed in the capacity of, or which normally requires licensing or professional certification, as: (1) An attorney; (2) An accountant; (3) An insurance agent or insurance broker; (4) A financial management consultant; (5) An architect or engineer; (6) A real estate agent or broker; or (7) A computer developer, website developer or software developer. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 3 of 10 i. Claims Covered by Other Coverages Written by Us Any claim or “suit” for which coverage is afforded under any other policy or Coverage Form issued by us to the Named Insured or applicable to any insured as defined in Section III - Who Is An Insured of this Coverage Form. j. Claims by Employee Claimants Liability to an “employee claimant” or for an obligation to indemnify another because of any liability to an “employee claimant.” k. Workers’ Compensation and Similar Laws Any obligation of the insured under a workers’ compensation, employer’s liability, employee benefits liability, disability benefit or unemployment compensation law, the Employee Retirement Income Security Act (ERISA), or any similar law. l. Discrimination Liability arising out of actual or alleged discrimination, whether intentional or unintentional, including but not limited to discrimination based upon a person’s sex, sexual preference, marital status, race, creed, age, national origin, religion, physical capabilities, physical characteristics or condition, or mental capabilities or condition. m. Liquor Liability “Damages” for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. n. Aircraft, Auto, Mobile Equipment or Watercraft Liability arising out of the ownership, maintenance, use or entrustment to others of any aircraft, “auto,” “mobile equipment” or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and “loading or unloading.” This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the claim which caused the liability involved the ownership, maintenance, use or entrustment to others of any aircraft, “auto,” “mobile equipment” or watercraft that is owned or operated by or rented or loaned to any insured. o. Electronic Data “Damages” arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate “electronic data.” p. IT Consulting “Damages” arising out of Information Technology (IT) consulting, whether performed by the insured or any other party or person if the insured is sought to be held liable for “damages” arising from IT consulting. q. Recording and Distribution of Material or Information in Violation of Law “Damages” arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA). DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 4 of 10 r. Claims for Non-Monetary Relief Any criminal, investigative or administrative proceeding or any claim or “suit” seeking non- monetary relief, including but not limited to injunctive relief, declaratory relief or restraining orders. s. Pollution “Damages” arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of “pollutants” at any time. t. Pollution-related Any “damages” for any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, “pollutants”; or (2) Claim or “suit” by or on behalf of a governmental authority because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, “pollutants.” u. Infringement Of Copyright, Patent, Trademark Or Trade Secret Any “damages” arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights. SECTION II – SUPPLEMENTARY PAYMENTS 1. We will pay, with respect to any claim we investigate or settle, or any “suit” against an insured we defend: a. All expenses we incur. b. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. c. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or “suit,” including actual loss of earnings up to $1,000 a day because of time off from work. d. All court costs taxed against the insured in the “suit.” However, these payments do not include attorneys’ fees or attorneys’ expenses taxed against the insured. e. Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. f. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. 2. If we defend an insured against a “suit” and an indemnitee of that insured, pursuant to an “insured contract,” is also named as a party to the “suit”, we will defend that indemnitee if all of the following conditions are met: a. The “suit” against the indemnitee seeks “damages” for which that insured has assumed the liability of the indemnitee in that “insured contract”; b. This insurance applies to such liability assumed by that insured in that “insured contract”; c. The obligation to defend, or the cost of defense of, that indemnitee, has also been assumed by that insured in that same “insured contract”; d. The allegations in the “suit” and the information that we know about the “suit” are such that no conflict appears to exist between the interests of that insured and the interests of that indemnitee; e. The indemnitee and that insured ask us to conduct and control the defense of that indemnitee against such “suit” and agree that we can assign the same counsel to defend that insured and the indemnitee; and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investigation, settlement or defense of the “suit”; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 5 of 10 (b) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the “suit”; (c) Notify any other insurer whose coverage is available to the indemnitee; and (d) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee, and (2) Provides us with written authorization to: (a) Obtain records and other information related to the “suit”; and (b) Conduct and control the defense of the indemnitee in such “suit.” So long as the above conditions are met, attorneys’ fees incurred by us in the defense of that indemnitee, necessary litigations expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid. However, expenses incurred, including attorneys’ fees, will be paid as “damages” and will reduce the limits of insurance to this Coverage Form. Our obligation to defend an insured’s indemnitee and to pay for attorneys’ fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above, including the terms described in Subsection 2. above, are no longer met. 3. We will pay up to an annual aggregate limit of $10,000 to reimburse the Named Insured for wages paid to an employee or employees of the Named Insured who are suspended with pay during the investigation of any claim or “suit” reported to us and covered under this Coverage Form. SECTION III – WHO IS AN INSURED 1. If you are designated in the Declarations as: a. A nonprofit corporation, you are an insured. Your “executive officers” and directors are insureds, but only with respect to their duties as your “executive officers” or directors. b. A partnership or joint venture, you are an insured. Your members, your partners and their spouses are also insureds, but only with respect to the conduct of your business. 2. Each of the following is also an insured: a. Your employees, volunteers, interns and students-in-training, but only for acts within the scope of their employment, volunteer work, internship or training with you. b. Your legal representative, but only with respect to that representative’s duties as such. That representative will have all of your rights and duties under this Coverage Form. c. Any individual person who enters into a contract or agreement directly with you as an independent contractor, but only for acts, errors or omissions committed by that person while acting within the scope of his or her duties as an independent contractor for you. However, no person is an insured for: (1) bodily injury, including mental injury or emotional distress, sustained by any other insured under this Coverage Form; or (2) physical injury to or loss of use of tangible property which is owned, occupied or used by you or rented to you, in your care, custody or control or over which physical control is being exercised for any purpose by you or by any other insured under this Coverage Form. The coverage extended by this provision, 2.c., is excess and non-contributory to any other insurance that applies to a claim or "suit", which insurance has been purchased by or on behalf of the person or persons who is/are the subject of this provision or that is/are applicable to the person or persons that are the subject of this provision. 3. Any organization you newly acquire or form, other than a partnership or joint venture over which you maintain ownership or majority ownership or controlling interest, will be deemed to be a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only if you notify us before the acquisition of or formation of such organization and agree to pay an additional premium we deem appropriate. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 6 of 10 b. Coverage under this provision does not apply to any “damages” which arise out of an act, error or omission which constitutes a “professional service” and which act, error or omission was first committed before you acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture which is not shown as a Named Insured in the Declarations. No person is an insured for liability arising out of an act, error, or omission committed in that person’s status as a foster parent. SECTION IV – LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or “suits” brought; or c. Persons or organizations making claims or bringing “suits”. 2. The Social Service Professional Aggregate Limit is the most we will pay for any “damages” included in the Social Service Professional Liability Coverage Form. 3. The Social Service Professional Each Event Limit is the most we will pay for under this coverage form because of all “damages” arising out of any one act, error or omission, or a series of related acts, errors or omissions. SECTION V – CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of an insured or of an insured’s estate will not relieve us of our obligations under this Coverage Form. 2. Duties In The Event Of Offense, Claim Or “Suit” a. You must see to it that we are notified as soon as practicable of a “suit” or claim or of an act, error, or omission which may result in a claim or “suit.” To the extent possible, notice should include: (1) How, when and where the act, error or omission took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any “damage” arising or potentially arising out of the act, error or omission which has resulted or could result in a claim or “suit.” b. If a claim is made or “suit” is brought against any insured, you must: (1) Immediately record the specifics of the claim or “suit” and the date received; and (2) Notify us as soon as practicable, including the providing to us of written notice of the claim or “suit” as soon as practicable. c. You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or “suit”; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the “suit”, including but not limited to the attending of mediations, settlement conferences, trials and depositions as requested by us; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to you or to any insured because of injury or “damage” to which this insurance may apply. d. No insured will, except at that insured’s own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 7 of 10 3. Legal Action Against Us No person or organization has a right under this Coverage Form: a. To join us as a party or otherwise bring us into a “suit” asking for “damages” from an insured; or b. To sue us on this Coverage Form unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for “damages” that are not payable under the terms of this Coverage Form or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant’s legal representative. 4. Other Insurance If other valid and collectible insurance is available to an insured for a loss we cover under this Coverage Form, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when Paragraph b. 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 Paragraph c. below. b. Excess Insurance (1) This insurance is excess over any other insurance, whether primary, excess, contingent or on any other basis: (a) That covers you or an insured as an additional insured, or to which an insured has tendered a defense, which tender has been accepted; (b) That incepted prior to the inception date of this coverage form and to which you or an insured have tendered a defense, which tender has been accepted (c) That incepted subsequent to the inception date of this policy and to which you or an insured have tendered a defense, which defense has been accepted. (2) When this insurance is excess, we will have no duty to defend an insured against any “suit” if any other insurer has a duty to defend that insured against the “suit.” If no other insurer defends, we will undertake to do so, but we will be entitled to that insured’s rights against any other insurer or insurers. (3) 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: (a) The total amount of all such other insurance that would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self-insured amounts under all that other insurance. (4) We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not obtained specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Form. c. Method Of Sharing (1) If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach we and each other insurer will contribute equally until each has paid its applicable limit of insurance or none of the loss remains, whichever comes first. (2) If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, we and 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. 5. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Form to the Named Insured, this Coverage Form applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom a claim is made or “suit” is brought. 6. Representations By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 8 of 10 b. Those statements are based upon representations you made to us; and c. We have issued this policy in reliance upon your representations. 7. Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this Coverage Form, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring “suit” or transfer those rights to us and help us enforce them. 8. Anti-Stacking If two or more coverage parts, forms or policies written by us apply to a claim, loss and/or “suit,” the policy with the greatest limit of liability shall be the sole and only policy written by us applicable to the claim, loss and/or “suit.” SECTION VI – ARBITRATION Notwithstanding any other term set forth herein, the parties hereby agree that any dispute which arises under this Coverage Form, including whether the Coverage Form provides coverage or claims handling issues, shall be resolved through binding arbitration. All parties acknowledge that by agreeing to binding arbitration, they are waiving their right to a jury trial. Binding arbitration shall take place in the venue of the domicile of the Named Insured unless otherwise agreed and shall be conducted by a single neutral arbitrator selected by the American Arbitration Association and pursuant to its rules. The arbitrator shall apply the law of the state or District where this Coverage is issued. The costs of the arbitration shall be shared equally by the participants. SECTION VII – DEFINITIONS The following definitions are applicable to the insurance provided by this policy. 1. “Auto” means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, “auto” does not include “mobile equipment.” 2. “Coverage territory” means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above; or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. above; (2) The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; or (3) An act, error or omission that takes place through the Internet or similar electronic means of communication; provided the insured's responsibility to pay damages is determined in a “suit” on the merits, in the location described in Paragraph a. above or in a settlement we agree to. 3. “Damage(s)” means: a monetary judgment, award or settlement, except those for which insurance is prohibited by applicable law. “Damages” does not include fines, penalties, disputes over fees, deposits, commissions or charges for goods or services, injunctive relief, restitution, statutory damages or punitive, exemplary or multiplied amounts. “Damages” includes reasonable attorneys’ fees and litigation expenses expended on behalf of contractual indemnitees as specified in SECTION II – SUPPLEMENTARY PAYMENTS, paragraph 2. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 9 of 10 4. “Electronic data” means: information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 5. “Employee claimant” includes, but is not limited to: employees, applicants for employment, former employees, officers, former officers, directors and former directors of any insured, while acting in their capacity as employees, applicants for employment, former employees, officers or former officers, directors or former directors of the insured, as well as any derivative claim of any spouse, child, brother, sister, parent, dependent, successor, subrogee or assignee of any such employee, applicant for employment, former employee, officer, former officer, director or former director. 6. “Executive officer” means: a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document. 7. “Incidental medical services” means: a. The performance of services on your behalf by a “Medical services provider” if the following two (2) conditions are satisfied: 1. You have not agreed to defend, indemnify or hold harmless the “Medical services provider” against any loss, cost, claim or cause of action arising out of or as a result of the provision of such services; and 2. The “Medical services provider” has applicable Professional Liability (Errors and Omissions or Professional Negligence) coverage with limits of insurance equal to or greater than the limit of liability of this Coverage Form; or b. The hiring, supervision or retention by you of a “Medical services provider.” 8. “Insured contract” means: that part of any contract or agreement pertaining to your business under which you assume the tort liability of another to pay “damages” to a third person or organization. Tort liability means a liability which would be imposed by law in the absence of any contract or agreement. 9. “Loading or unloading” means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft, “mobile equipment” or “auto”; b. While it is in or on an aircraft, watercraft, “mobile equipment” or “auto”; or c. While it is being moved from an aircraft, watercraft, “mobile equipment” or “auto” to the place where it is finally delivered; but “loading or unloading” does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft, “mobile equipment” or “auto.” 10. “Medical services provider” means: an individual performing healthcare services within the scope of services for which the provider is or has been licensed, including but not limited to a dentist, nurse anesthetist, nurse midwife, nurse practitioner, paramedic/EMT, pharmacist, physician, physician assistant, psychiatrist or surgeon. 11. “Mobile equipment” means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 ANI RRG E32 01 17 Page 10 of 10 (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in Paragraph a., b., c. or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in Paragraph a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. Self-propelled vehicles with the following types of permanently attached equipment are not “mobile equipment” but will be considered “autos”: (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, “mobile equipment” does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered “autos.” 12. “Pollutants” mean: any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 13. “Professional service” is: conduct arising out of a vocation, calling, occupation, or employment involving specialized knowledge, labor, or skill, and the labor or skill involved is predominately mental or intellectual, rather than physical or manual; including but not limited to acts, errors or omissions committed by individuals in their capacities as an acupuncturist, adoption service employee, aide, assisted living provider, childcare worker, chiropractor, CNA, counselor, daycare provider, educator, home health aide, instructor, LPN, mentor, nurse assistant, nutritionist, optician, phlebotomist, psychotherapist, psychologist, RN, resident home care provider and supervisors, social worker, teacher, therapist, tutor or veterinarian. 14. “Suit(s)” means: a civil proceeding in which “damages” to which this insurance applies are alleged. “Suit” includes: a. An arbitration proceeding in which such “damages” are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such “damages” are claimed and to which the insured submits with our consent. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 BUSINESS AUTO COVERAGE PART DECLARATIONS PRODUCER:POLICY NUMBER: 2020-35634Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 NAME OF INSURED AND MAILING ADDRESS: RENEWAL OF NUMBER: 2019-35634 Item One:Voices Together 88 Vilcom Center Dr. Suite 100 Chapel Hill, NC 27514 POLICY PERIOD: FROM TO 10/10/2021 AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE BUSINESS DESCRIPTION: IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY. Item Two: SCHEDULE OF COVERAGES AND COVERED AUTOS. This policy provides only those coverages where a charge is shown in the premium column below. Each of these coverages will apply only to those "autos" shown as covered "autos". "Autos" are shown as covered "autos" for a particular coverage by the entry of one or more of the symbols from the COVERED AUTOS Section of the Business Auto Coverage Form next to the name of the coverage. 10/10/2020 Therapeutic music program for people with developmental disabilities COVERED AUTOS N/AN/A SEPARATELY STATED IN EACH P.I.P. ENDORSEMENT. PERSONAL INJURY PROTECTION (or equivalent No-fault Coverage) N/AEXCLUDEDN/ALIABILITY CSL PREMIUMTHE MOST WE WILL PAY FOR ANY ONE ACCIDENT OR LOSS Entry of one or more of the symbols from the COVERED AUTOS Section of the Business Auto Coverage Form shows which autos are covered autos. COVERAGES N/A $200 $50 EXCLUDED INCLUDED $1,000,000 CSL N/A 9 8 AUTO MEDICAL PAYMENTS NONOWNED AUTO HIRED AUTO ADDED PERSONAL INJURY PROTECTION (or equivalent added No-fault Coverage) N/A SEPARATELY STATED IN EACH P.I.P. ENDORSEMENT.N/A LIMIT UNINSURED MOTORIST N/A EXCLUDED N/A UNDERINSURED MOTORIST N/AINCLUDEDN/A PHYSICAL DAMAGE COMPREHENSIVE/ COLLISION N/A N/A $250ESTIMATED TOTAL PREMIUM N/A FORMS AND ENDORSEMENTS APPLICABLE TO THIS COVERAGE PART AND MADE PART OF THIS POLICY AT THE TIME OF ISSUANCE: CA 00 01 10 13, CA 01 26 10 13, CA 04 44 10 13, CA 20 54 10 13, CA 20 55 10 13, CA 23 84 10 13, CA 23 85 10 13, CA 99 23 10 13, CA 99 33 10 13, CA 99 34 10 13 BY (AUTHORIZED REPRESENTATIVE) ANI - RRG - AL "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY. 09/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 BUSINESS AUTO COVERAGE FORM POLICY NUMBER:SCHEDULE BA NAME INSURED: Page 1 Voices Together 2020-35634 DEDUCTIBLES apply only if coverage is provided as indicated below. OTHER THAN COLLISION COLLISION CLASS CODETERR. DESCRIPTION COVERED AUTO NO. YEAR, MODEL, TRADE NAME, BODYTYPE, SERIAL NUMBER(S)VIN STATE Item Three:SCHEDULE OF COVERED AUTOS YOU OWN NO OWNED AUTOS PREMIUMS: COVERAGE IS PROVIDED ONLY IF A PREMIUM CHARGE IS INDICATED. COVERED AUTO NO. NON- OWNED HIRED LIABILITY MED PAY UM/ UIM PHYSICAL DAMAGE COLL. COMP. ADDITIONAL INSURED / LOSS PAYEE: Except for towing, all physical damage loss is payable to you and the Loss Payee named below as interest may appear at the time of loss. See attached Schedule AI.PIP NO/H 200 50 Date(AUTHORIZED REPRESENTATIVE) "NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." ANI - RRG - SCHEDULE BA 09/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 INDEX OF FORMS ATTACHED TO THE POLICY POLICY NUMBER: 2020-35634 NAME OF INSURED:Page 1 Voices Together AUTO FORMS AND ENDORSEMENTS FORM NUMBER/EDITION DATE Business Auto Coverage Form CA 00 01 10 13 North Carolina Changes - Cancellation and Nonrenewal CA 01 26 10 13 Waiver of Transfer of Rights of Recovery Against Others to us (Waiver of Subrogation) CA 04 44 10 13 Employee Hired Autos CA 20 54 10 13 Fellow Employee Coverage CA 20 55 10 13 Exclusion of Terrorism - Auto CA 23 84 10 13 Exclusion of Terrorism - Auto - Involving Nuclear, Biological or Chemical Terrorism CA 23 85 10 13 Rental Reimbursement Coverage CA 99 23 10 13 Employees as Insureds CA 99 33 10 13 Social Service Agencies - Volunteers as Insureds CA 99 34 10 13 This list of forms is not part of the actual policy, but is for your information only. Please refer to the policy(s) for actual limits, coverages and exclusions. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 00 01 10 13 CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 12 BUSINESS AUTO COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section V – Definitions. SECTION I – COVERED AUTOS Item Two of the Declarations shows the "autos" that are covered "autos" for each of your coverages. The following numerical symbols describe the "autos" that may be covered "autos". The symbols entered next to a coverage on the Declarations designate the only "autos" that are covered "autos". A. Description Of Covered Auto Designation Symbols Symbol Description Of Covered Auto Designation Symbols 1 Any "Auto" 2 Owned "Autos" Only Only those "autos" you own (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own). This includes those "autos" you acquire ownership of after the policy begins. 3 Owned Private Passenger "Autos" Only Only the private passenger "autos" you own. This includes those private passenger "autos" you acquire ownership of after the policy begins. 4 Owned "Autos" Other Than Private Passenger "Autos" Only Only those "autos" you own that are not of the private passenger type (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to power units you own). This includes those "autos" not of the private passenger type you acquire ownership of after the policy begins. 5 Owned "Autos" Subject To No-fault Only those "autos" you own that are required to have no-fault benefits in the state where they are licensed or principally garaged. This includes those "autos" you acquire ownership of after the policy begins provided they are required to have no- fault benefits in the state where they are licensed or principally garaged. 6 Owned "Autos" Subject To A Compulsory Uninsured Motorists Law Only those "autos" you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorists Coverage. This includes those "autos" you acquire ownership of after the policy begins provided they are subject to the same state uninsured motorists requirement. 7 Specifically Described "Autos" Only those "autos" described in Item Three of the Declarations for which a premium charge is shown (and for Covered Autos Liability Coverage any "trailers" you don't own while attached to any power unit described in Item Three). 8 Hired "Autos" Only Only those "autos" you lease, hire, rent or borrow. This does not include any "auto" you lease, hire, rent or borrow from any of your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households. 9 Non-owned "Autos" Only Only those "autos" you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes "autos" owned by your "employees", partners (if you are a partnership), members (if you are a limited liability company) or members of their households but only while used in your business or your personal affairs. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 12 © Insurance Services Office, Inc., 2011 CA 00 01 10 13 19 Mobile Equipment Subject To Compulsory Or Financial Responsibility Or Other Motor Vehicle Insurance Law Only Only those "autos" that are land vehicles and that would qualify under the definition of "mobile equipment" under this policy if they were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where they are licensed or principally garaged. B. Owned Autos You Acquire After The Policy Begins 1. If Symbols 1, 2, 3, 4, 5, 6 or 19 are entered next to a coverage in Item Two of the Declarations, then you have coverage for "autos" that you acquire of the type described for the remainder of the policy period. 2. But, if Symbol 7 is entered next to a coverage in Item Two of the Declarations, an "auto" you acquire will be a covered "auto" for that coverage only if: a. We already cover all "autos" that you own for that coverage or it replaces an "auto" you previously owned that had that coverage; and b. You tell us within 30 days after you acquire it that you want us to cover it for that coverage. C. Certain Trailers, Mobile Equipment And Temporary Substitute Autos If Covered Autos Liability Coverage is provided by this Coverage Form, the following types of vehicles are also covered "autos" for Covered Autos Liability Coverage: 1. "Trailers" with a load capacity of 2,000 pounds or less designed primarily for travel on public roads. 2. "Mobile equipment" while being carried or towed by a covered "auto". 3. Any "auto" you do not own while used with the permission of its owner as a temporary substitute for a covered "auto" you own that is out of service because of its: a. Breakdown; b. Repair; c. Servicing; d. "Loss"; or e. Destruction. SECTION II – COVERED AUTOS LIABILITY COVERAGE A. Coverage We will pay all sums an "insured" legally must pay as damages because of "bodily injury" or "property damage" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of a covered "auto". We will also pay all sums an "insured" legally must pay as a "covered pollution cost or expense" to which this insurance applies, caused by an "accident" and resulting from the ownership, maintenance or use of covered "autos". However, we will only pay for the "covered pollution cost or expense" if there is either "bodily injury" or "property damage" to which this insurance applies that is caused by the same "accident". We have the right and duty to defend any "insured" against a "suit" asking for such damages or a "covered pollution cost or expense". However, we have no duty to defend any "insured" against a "suit" seeking damages for "bodily injury" or "property damage" or a "covered pollution cost or expense" to which this insurance does not apply. We may investigate and settle any claim or "suit" as we consider appropriate. Our duty to defend or settle ends when the Covered Autos Liability Coverage Limit of Insurance has been exhausted by payment of judgments or settlements. 1. Who Is An Insured The following are "insureds": a. You for any covered "auto". b. Anyone else while using with your permission a covered "auto" you own, hire or borrow except: (1) The owner or anyone else from whom you hire or borrow a covered "auto". This exception does not apply if the covered "auto" is a "trailer" connected to a covered "auto" you own. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 3 of 12 (2) Your "employee" if the covered "auto" is owned by that "employee" or a member of his or her household. (3) Someone using a covered "auto" while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours. (4) Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company) or a lessee or borrower or any of their "employees", while moving property to or from a covered "auto". (5) A partner (if you are a partnership) or a member (if you are a limited liability company) for a covered "auto" owned by him or her or a member of his or her household. c. Anyone liable for the conduct of an "insured" described above but only to the extent of that liability. 2. Coverage Extensions a. Supplementary Payments We will pay for the "insured": (1) All expenses we incur. (2) Up to $2,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds. (3) The cost of bonds to release attachments in any "suit" against the "insured" we defend, but only for bond amounts within our Limit of Insurance. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $250 a day because of time off from work. (5) All court costs taxed against the "insured" in any "suit" against the "insured" we defend. However, these payments do not include attorneys' fees or attorneys' expenses taxed against the "insured". (6) All interest on the full amount of any judgment that accrues after entry of the judgment in any "suit" against the "insured" we defend, but our duty to pay interest ends when we have paid, offered to pay or deposited in court the part of the judgment that is within our Limit of Insurance. These payments will not reduce the Limit of Insurance. b. Out-of-state Coverage Extensions While a covered "auto" is away from the state where it is licensed, we will: (1) Increase the Limit of Insurance for Covered Autos Liability Coverage to meet the limits specified by a compulsory or financial responsibility law of the jurisdiction where the covered "auto" is being used. This extension does not apply to the limit or limits specified by any law governing motor carriers of passengers or property. (2) Provide the minimum amounts and types of other coverages, such as no- fault, required of out-of-state vehicles by the jurisdiction where the covered "auto" is being used. We will not pay anyone more than once for the same elements of loss because of these extensions. B. Exclusions This insurance does not apply to any of the following: 1. Expected Or Intended Injury "Bodily injury" or "property damage" expected or intended from the standpoint of the "insured". 2. Contractual Liability assumed under any contract or agreement. But this exclusion does not apply to liability for damages: a. Assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement; or b. That the "insured" would have in the absence of the contract or agreement. 3. Workers' Compensation Any obligation for which the "insured" or the "insured's" insurer may be held liable under any workers' compensation, disability benefits or unemployment compensation law or any similar law. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 4 of 12 © Insurance Services Office, Inc., 2011 CA 00 01 10 13 4. Employee Indemnification And Employer's Liability "Bodily injury" to: a. An "employee" of the "insured" arising out of and in the course of: (1) Employment by the "insured"; or (2) Performing the duties related to the conduct of the "insured's" business; or b. The spouse, child, parent, brother or sister of that "employee" as a consequence of Paragraph a. above. This exclusion applies: (1) Whether the "insured" may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must pay damages because of the injury. But this exclusion does not apply to "bodily injury" to domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the "insured" under an "insured contract". For the purposes of the Coverage Form, a domestic "employee" is a person engaged in household or domestic work performed principally in connection with a residence premises. 5. Fellow Employee "Bodily injury" to: a. Any fellow "employee" of the "insured" arising out of and in the course of the fellow "employee's" employment or while performing duties related to the conduct of your business; or b. The spouse, child, parent, brother or sister of that fellow "employee" as a consequence of Paragraph a. above. 6. Care, Custody Or Control "Property damage" to or "covered pollution cost or expense" involving property owned or transported by the "insured" or in the "insured's" care, custody or control. But this exclusion does not apply to liability assumed under a sidetrack agreement. 7. Handling Of Property "Bodily injury" or "property damage" resulting from the handling of property: a. Before it is moved from the place where it is accepted by the "insured" for movement into or onto the covered "auto"; or b. After it is moved from the covered "auto" to the place where it is finally delivered by the "insured". 8. Movement Of Property By Mechanical Device "Bodily injury" or "property damage" resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered "auto". 9. Operations "Bodily injury" or "property damage" arising out of the operation of: a. Any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment"; or b.Machinery or equipment that is on, attached to or part of a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. 10. Completed Operations "Bodily injury" or "property damage" arising out of your work after that work has been completed or abandoned. In this exclusion, your work means: a. Work or operations performed by you or on your behalf; and b. Materials, parts or equipment furnished in connection with such work or operations. Your work includes warranties or representations made at any time with respect to the fitness, quality, durability or performance of any of the items included in Paragraph a. or b. above. Your work will be deemed completed at the earliest of the following times: (1) When all of the work called for in your contract has been completed; (2) When all of the work to be done at the site has been completed if your contract calls for work at more than one site; or (3) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 5 of 12 Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. 11. Pollution "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered "auto"; (2) Otherwise in the course of transit by or on behalf of the "insured"; or (3) Being stored, disposed of, treated or processed in or upon the covered "auto"; b. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or c. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured". Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered "auto" or its parts if: (1) The "pollutants" escape, seep, migrate or are discharged, dispersed or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraphs 6.b. and 6.c. of the definition of "mobile equipment". Paragraphs b. and c. above of this exclusion do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (a) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (b) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. 12. War "Bodily injury" or "property damage" arising directly or indirectly out of: a. War, including undeclared or civil war; b. Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c. Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 13. Racing Covered "autos" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered "auto" is being prepared for such a contest or activity. C. Limit Of Insurance 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 Covered Autos Liability Coverage shown in the Declarations. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 6 of 12 © Insurance Services Office, Inc., 2011 CA 00 01 10 13 All "bodily injury", "property damage" and "covered pollution cost or expense" resulting from continuous or repeated exposure to substantially the same conditions will be considered as resulting from one "accident". No one will be entitled to receive duplicate payments for the same elements of "loss" under this Coverage Form and any Medical Payments Coverage endorsement, Uninsured Motorists Coverage endorsement or Underinsured Motorists Coverage endorsement attached to this Coverage Part. SECTION III – PHYSICAL DAMAGE COVERAGE A. Coverage 1. We will pay for "loss" to a covered "auto" or its equipment under: a. Comprehensive Coverage From any cause except: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn. b. Specified Causes Of Loss Coverage Caused by: (1) Fire, lightning or explosion; (2) Theft; (3) Windstorm, hail or earthquake; (4) Flood; (5) Mischief or vandalism; or (6) The sinking, burning, collision or derailment of any conveyance transporting the covered "auto". c. Collision Coverage Caused by: (1) The covered "auto's" collision with another object; or (2) The covered "auto's" overturn. 2. Towing We will pay up to the limit shown in the Declarations for towing and labor costs incurred each time a covered "auto" of the private passenger type is disabled. However, the labor must be performed at the place of disablement. 3. Glass Breakage – Hitting A Bird Or Animal – Falling Objects Or Missiles If you carry Comprehensive Coverage for the damaged covered "auto", we will pay for the following under Comprehensive Coverage: a. Glass breakage; b. "Loss" caused by hitting a bird or animal; and c. "Loss" caused by falling objects or missiles. However, you have the option of having glass breakage caused by a covered "auto's" collision or overturn considered a "loss" under Collision Coverage. 4. Coverage Extensions a. Transportation Expenses We will pay up to $20 per day, to a maximum of $600, for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private passenger type. We will pay only for those covered "autos" for which you carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to use or we pay for its "loss". b. Loss Of Use Expenses For Hired Auto Physical Damage, we will pay expenses for which an "insured" becomes legally responsible to pay for loss of use of a vehicle rented or hired without a driver under a written rental contract or agreement. We will pay for loss of use expenses if caused by: (1) Other than collision only if the Declarations indicates that Comprehensive Coverage is provided for any covered "auto"; (2) Specified Causes Of Loss only if the Declarations indicates that Specified Causes Of Loss Coverage is provided for any covered "auto"; or DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 7 of 12 (3) Collision only if the Declarations indicates that Collision Coverage is provided for any covered "auto". However, the most we will pay for any expenses for loss of use is $20 per day, to a maximum of $600. B. Exclusions 1. We will not pay for "loss" caused by or resulting from any of the following. Such "loss" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the "loss". a. Nuclear Hazard (1) The explosion of any weapon employing atomic fission or fusion; or (2) Nuclear reaction or radiation, or radioactive contamination, however caused. b. War Or Military Action (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental authority in hindering or defending against any of these. 2. We will not pay for "loss" to any covered "auto" while used in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. We will also not pay for "loss" to any covered "auto" while that covered "auto" is being prepared for such a contest or activity. 3. We will not pay for "loss" due and confined to: a. Wear and tear, freezing, mechanical or electrical breakdown. b. Blowouts, punctures or other road damage to tires. This exclusion does not apply to such "loss" resulting from the total theft of a covered "auto". 4. We will not pay for "loss" to any of the following: a. Tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. b. Any device designed or used to detect speed-measuring equipment, such as radar or laser detectors, and any jamming apparatus intended to elude or disrupt speed-measuring equipment. c. Any electronic equipment, without regard to whether this equipment is permanently installed, that reproduces, receives or transmits audio, visual or data signals. d. Any accessories used with the electronic equipment described in Paragraph c. above. 5. Exclusions 4.c. and 4.d. do not apply to equipment designed to be operated solely by use of the power from the "auto's" electrical system that, at the time of "loss", is: a. Permanently installed in or upon the covered "auto"; b. Removable from a housing unit which is permanently installed in or upon the covered "auto"; c. An integral part of the same unit housing any electronic equipment described in Paragraphs a. and b. above; or d.Necessary for the normal operation of the covered "auto" or the monitoring of the covered "auto's" operating system. 6. We will not pay for "loss" to a covered "auto" due to "diminution in value". C. Limits Of Insurance 1. The most we will pay for: a. "Loss" to any one covered "auto" is the lesser of: (1) The actual cash value of the damaged or stolen property as of the time of the "loss"; or (2) The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. b.All electronic equipment that reproduces, receives or transmits audio, visual or data signals in any one "loss" is $1,000, if, at the time of "loss", such electronic equipment is: (1) Permanently installed in or upon the covered "auto" in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 8 of 12 © Insurance Services Office, Inc., 2011 CA 00 01 10 13 (2) Removable from a permanently installed housing unit as described in Paragraph b.(1)above; or (3) An integral part of such equipment as described in Paragraphs b.(1)and b.(2) above. 2. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total "loss". 3.If a repair or replacement results in better than like kind or quality, we will not pay for the amount of the betterment. D. Deductible For each covered "auto", our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by the applicable deductible shown in the Declarations. Any Comprehensive Coverage deductible shown in the Declarations does not apply to "loss" caused by fire or lightning. SECTION IV – BUSINESS AUTO CONDITIONS The following conditions apply in addition to the Common Policy Conditions: A. Loss Conditions 1. Appraisal For Physical Damage Loss If you and we disagree on the amount of "loss", either may demand an appraisal of the "loss". In this event, each party will select a competent appraiser. The two appraisers will select a competent and impartial umpire. The appraisers will state separately the actual cash value and amount of "loss". If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will still retain our right to deny the claim. 2. Duties In The Event Of Accident, Claim, Suit Or Loss We have no duty to provide coverage under this policy unless there has been full compliance with the following duties: a. In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "accident" or "loss". Include: (1) How, when and where the "accident" or "loss" occurred; (2) The "insured's" name and address; and (3) To the extent possible, the names and addresses of any injured persons and witnesses. b. Additionally, you and any other involved "insured" must: (1) Assume no obligation, make no payment or incur no expense without our consent, except at the "insured's" own cost. (2) Immediately send us copies of any request, demand, order, notice, summons or legal paper received concerning the claim or "suit". (3) Cooperate with us in the investigation or settlement of the claim or defense against the "suit". (4) Authorize us to obtain medical records or other pertinent information. (5) Submit to examination, at our expense, by physicians of our choice, as often as we reasonably require. c. If there is "loss" to a covered "auto" or its equipment, you must also do the following: (1) Promptly notify the police if the covered "auto" or any of its equipment is stolen. (2) Take all reasonable steps to protect the covered "auto" from further damage. Also keep a record of your expenses for consideration in the settlement of the claim. (3) Permit us to inspect the covered "auto" and records proving the "loss" before its repair or disposition. (4) Agree to examinations under oath at our request and give us a signed statement of your answers. 3. Legal Action Against Us No one may bring a legal action against us under this Coverage Form until: a. There has been full compliance with all the terms of this Coverage Form; and b. Under Covered Autos Liability Coverage, we agree in writing that the "insured" has an obligation to pay or until the amount of that obligation has finally been determined by judgment after trial. No one has the right under this policy to bring us into an action to determine the "insured's" liability. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 9 of 12 4. Loss Payment – Physical Damage Coverages At our option, we may: a. Pay for, repair or replace damaged or stolen property; b. Return the stolen property, at our expense. We will pay for any damage that results to the "auto" from the theft; or c. Take all or any part of the damaged or stolen property at an agreed or appraised value. If we pay for the "loss", our payment will include the applicable sales tax for the damaged or stolen property. 5. Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after "accident" or "loss" to impair them. B. General Conditions 1. Bankruptcy Bankruptcy or insolvency of the "insured" or the "insured's" estate will not relieve us of any obligations under this Coverage Form. 2. Concealment, Misrepresentation Or Fraud This Coverage Form is void in any case of fraud by you at any time as it relates to this Coverage Form. It is also void if you or any other "insured", at any time, intentionally conceals or misrepresents a material fact concerning: a. This Coverage Form; b. The covered "auto"; c. Your interest in the covered "auto"; or d. A claim under this Coverage Form. 3. Liberalization If we revise this Coverage Form to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective in your state. 4. No Benefit To Bailee – Physical Damage Coverages We will not recognize any assignment or grant any coverage for the benefit of any person or organization holding, storing or transporting property for a fee regardless of any other provision of this Coverage Form. 5. Other Insurance a. For any covered "auto" you own, this Coverage Form provides primary insurance. For any covered "auto" you don't own, the insurance provided by this Coverage Form is excess over any other collectible insurance. However, while a covered "auto" which is a "trailer" is connected to another vehicle, the Covered Autos Liability Coverage this Coverage Form provides for the "trailer" is: (1) Excess while it is connected to a motor vehicle you do not own; or (2) Primary while it is connected to a covered "auto" you own. b. For Hired Auto Physical Damage Coverage, any covered "auto" you lease, hire, rent or borrow is deemed to be a covered "auto" you own. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". c. Regardless of the provisions of Paragraph a. above, this Coverage Form's Covered Autos Liability Coverage is primary for any liability assumed under an "insured contract". d. When this Coverage Form and any other Coverage Form or policy covers on the same basis, either excess or primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage Form bears to the total of the limits of all the Coverage Forms and policies covering on the same basis. 6. Premium Audit a. The estimated premium for this Coverage Form is based on the exposures you told us you would have when this policy began. We will compute the final premium due when we determine your actual exposures. The estimated total premium will be credited against the final premium due and the first Named Insured will be billed for the balance, if any. The due date for the final premium or retrospective premium is the date shown as the due date on the bill. If the estimated total premium exceeds the final premium due, the first Named Insured will get a refund. b. If this policy is issued for more than one year, the premium for this Coverage Form will be computed annually based on our rates or premiums in effect at the beginning of each year of the policy. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 10 of 12 © Insurance Services Office, Inc., 2011 CA 00 01 10 13 7. Policy Period, Coverage Territory Under this Coverage Form, we cover "accidents" and "losses" occurring: a. During the policy period shown in the Declarations; and b. Within the coverage territory. The coverage territory is: (1) The United States of America; (2) The territories and possessions of the United States of America; (3) Puerto Rico; (4) Canada; and (5) Anywhere in the world if a covered "auto" of the private passenger type is leased, hired, rented or borrowed without a driver for a period of 30 days or less, provided that the "insured's" responsibility to pay damages is determined in a "suit" on the merits, in the United States of America, the territories and possessions of the United States of America, Puerto Rico or Canada, or in a settlement we agree to. We also cover "loss" to, or "accidents" involving, a covered "auto" while being transported between any of these places. 8. Two Or More Coverage Forms Or Policies Issued By Us If this Coverage Form and any other Coverage Form or policy issued to you by us or any company affiliated with us applies to the same "accident", the aggregate maximum Limit of Insurance under all the Coverage Forms or policies shall not exceed the highest applicable Limit of Insurance under any one Coverage Form or policy. This condition does not apply to any Coverage Form or policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Form. SECTION V – DEFINITIONS A."Accident" includes continuous or repeated exposure to the same conditions resulting in "bodily injury" or "property damage". B."Auto" means: 1. A land motor vehicle, "trailer" or semitrailer designed for travel on public roads; or 2. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". C."Bodily injury" means bodily injury, sickness or disease sustained by a person, including death resulting from any of these. D."Covered pollution cost or expense" means any cost or expense arising out of: 1. Any request, demand, order or statutory or regulatory requirement that any "insured" or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or 2. Any claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". "Covered pollution cost or expense" does not include any cost or expense arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": a. That are, or that are contained in any property that is: (1) Being transported or towed by, handled or handled for movement into, onto or from the covered "auto"; (2) Otherwise in the course of transit by or on behalf of the "insured"; or (3) Being stored, disposed of, treated or processed in or upon the covered "auto"; b. Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the "insured" for movement into or onto the covered "auto"; or c. After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the "insured". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CA 00 01 10 13 © Insurance Services Office, Inc., 2011 Page 11 of 12 Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered "auto" or its parts, if: (1) The "pollutants" escape, seep, migrate or are discharged, dispersed or released directly from an "auto" part designed by its manufacturer to hold, store, receive or dispose of such "pollutants"; and (2) The "bodily injury", "property damage" or "covered pollution cost or expense" does not arise out of the operation of any equipment listed in Paragraph 6.b. or 6.c. of the definition of "mobile equipment". Paragraphs b. and c. above do not apply to "accidents" that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (a) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (b) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage. E."Diminution in value" means the actual or perceived loss in market value or resale value which results from a direct and accidental "loss". F. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". G."Insured" means any person or organization qualifying as an insured in the Who Is An Insured provision of the applicable coverage. Except with respect to the Limit of Insurance, the coverage afforded applies separately to each insured who is seeking coverage or against whom a claim or "suit" is brought. H."Insured contract" means: 1. A lease of premises; 2. A sidetrack agreement; 3. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; 4. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; 5. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another to pay for "bodily injury" or "property damage" to a third party or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement; or 6. That part of any contract or agreement entered into, as part of your business, pertaining to the rental or lease, by you or any of your "employees", of any "auto". However, such contract or agreement shall not be considered an "insured contract" to the extent that it obligates you or any of your "employees" to pay for "property damage" to any "auto" rented or leased by you or any of your "employees". An "insured contract" does not include that part of any contract or agreement: a. That indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; b. That pertains to the loan, lease or rental of an "auto" to you or any of your "employees", if the "auto" is loaned, leased or rented with a driver; or c. That holds a person or organization engaged in the business of transporting property by "auto" for hire harmless for your use of a covered "auto" over a route or territory that person or organization is authorized to serve by public authority. I. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". J. "Loss" means direct and accidental loss or damage. K."Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: 1. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; 2. Vehicles maintained for use solely on or next to premises you own or rent; 3. Vehicles that travel on crawler treads; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 12 of 12 © Insurance Services Office, Inc., 2011 CA 00 01 10 13 4. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: a. Power cranes, shovels, loaders, diggers or drills; or b. Road construction or resurfacing equipment such as graders, scrapers or rollers; 5. Vehicles not described in Paragraph 1., 2., 3. or 4. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: a. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well-servicing equipment; or b. Cherry pickers and similar devices used to raise or lower workers; or 6. Vehicles not described in Paragraph 1., 2., 3. or 4. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": a. Equipment designed primarily for: (1) Snow removal; (2) Road maintenance, but not construction or resurfacing; or (3) Street cleaning; b. Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and c. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well-servicing equipment. However, "mobile equipment" does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered "autos". L."Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. M."Property damage" means damage to or loss of use of tangible property. N."Suit" means a civil proceeding in which: 1. Damages because of "bodily injury" or "property damage"; or 2. A "covered pollution cost or expense"; to which this insurance applies, are alleged. "Suit" includes: a. An arbitration proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the "insured" must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages or "covered pollution costs or expenses" are claimed and to which the insured submits with our consent. O."Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short- term workload conditions. P."Trailer" includes semitrailer. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 20 54 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 20 54 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1 EMPLOYEE HIRED AUTOS This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. Changes In Covered Autos Liability Coverage The following is added to the Who Is An Insured Provision: An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in an "employee's" name, with your permission, while performing duties related to the conduct of your business. B. Changes In General Conditions Paragraph 5.b. of the Other Insurance Condition in the Business Auto and Auto Dealers Coverage Forms and Paragraph 5.f. of the Other Insurance – Primary And Excess Insurance Provisions Condition in the Motor Carrier Coverage Form are replaced by the following: For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own: 1. Any covered "auto" you lease, hire, rent or borrow; and 2. Any covered "auto" hired or rented by your "employee" under a contract in an "employee's" name, with your permission, while performing duties related to the conduct of your business. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 99 33 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 99 33 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1 EMPLOYEES AS INSUREDS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. The following is added to the Section II – Covered Autos Liability Coverage, Paragraph A.1. Who Is An Insured provision: Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your personal affairs. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 23 84 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 23 84 10 13 © Insurance Services Office, Inc., 2013 Page 1 of 3 EXCLUSION OF TERRORISM This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM SINGLE INTEREST AUTOMOBILE PHYSICAL DAMAGE INSURANCE POLICY With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. The following definitions are added and apply under this endorsement wherever the term terrorism, or the phrase any injury, damage, loss or expense, is enclosed in quotation marks: 1. "Terrorism" means activities against persons, organizations or property of any nature: a. That involve the following or preparation for the following: (1) Use or threat of force or violence; or (2) Commission or threat of a dangerous act; or (3) Commission or threat of an act that interferes with or disrupts an electronic, communication, information or mechanical system; and b. When one or both of the following apply: (1) The effect is to intimidate or coerce a government or the civilian population or any segment thereof, or to disrupt any segment of the economy; or (2) It appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology. 2. "Any injury, damage, loss or expense" means any injury, damage, loss or expense covered under any Coverage Form or Policy to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "loss", loss of use, rental reimbursement after "loss" or "covered pollution cost or expense", as may be defined under this Coverage Form, Policy or any applicable endorsement. B. Except with respect to Physical Damage Coverage, Trailer Interchange Coverage, Garagekeepers Coverage, Garagekeepers Coverage – Customers' Sound Receiving Equipment or the Single Interest Automobile Physical Damage Insurance Policy, the following exclusion is added: Exclusion Of Terrorism We will not pay for "any injury, damage, loss or expense" caused directly or indirectly by "terrorism", including action in hindering or defending against an actual or expected incident of "terrorism". "Any injury, damage, loss or expense" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such injury, damage, loss or expense. But this exclusion applies only when one or more of the following are attributed to an incident of "terrorism": 1. The "terrorism" is carried out by means of the dispersal or application of radioactive material, or through the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination; or DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 3 © Insurance Services Office, Inc., 2013 CA 23 84 10 13 2. Radioactive material is released, and it appears that one purpose of the "terrorism" was to release such material; or 3. The "terrorism" is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials; or 4. Pathogenic or poisonous biological or chemical materials are released, and it appears that one purpose of the "terrorism" was to release such materials; or 5. The total of insured damage to all types of property exceeds $25,000,000. In determining whether the $25,000,000 threshold is exceeded, we will include all insured damage sustained by property of all persons and entities affected by the "terrorism" and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision, insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions; or 6. Fifty or more persons sustain death or serious physical injury. For the purposes of this provision, serious physical injury means: a. Physical injury that involves a substantial risk of death; or b. Protracted and obvious physical disfigurement; or c. Protracted loss of or impairment of the function of a bodily member or organ. Multiple incidents of "terrorism" which occur within a 72-hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident, for the purpose of determining whether the thresholds in Paragraphs B.5. and B.6. are exceeded. With respect to this exclusion, Paragraphs B.5. and B.6. describe the thresholds used to measure the magnitude of an incident of "terrorism" and the circumstances in which the threshold will apply, for the purpose of determining whether this exclusion will apply to that incident. When the exclusion applies to an incident of "terrorism", there is no coverage under this Coverage Form, Policy or any applicable endorsement. C. With respect to Physical Damage Coverage, Trailer Interchange Coverage, Garagekeepers Coverage, Garagekeepers Coverage – Customers' Sound Receiving Equipment or the Single Interest Automobile Physical Damage Insurance Policy, the following exclusion is added: Exclusion Of Terrorism We will not pay for any "loss", loss of use or rental reimbursement after "loss" caused directly or indirectly by "terrorism", including action in hindering or defending against an actual or expected incident of "terrorism". But this exclusion applies only when one or more of the following are attributed to an incident of "terrorism": 1. The "terrorism" is carried out by means of the dispersal or application of radioactive material, or through the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination; or 2. Radioactive material is released, and it appears that one purpose of the "terrorism" was to release such material; or 3. The "terrorism" is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials; or 4. Pathogenic or poisonous biological or chemical materials are released, and it appears that one purpose of the "terrorism" was to release such materials; or 5. The total of insured damage to all types of property exceeds $25,000,000. In determining whether the $25,000,000 threshold is exceeded, we will include all insured damage sustained by property of all persons and entities affected by the "terrorism" and business interruption losses sustained by owners or occupants of the damaged property. For the purpose of this provision, insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the application of any terrorism exclusions. Multiple incidents of "terrorism" which occur within a 72-hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident, for the purpose of determining whether the threshold in Paragraph C.5. is exceeded. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CA 23 84 10 13 © Insurance Services Office, Inc., 2013 Page 3 of 3 With respect to this exclusion, Paragraph C.5. describes the threshold used to measure the magnitude of an incident of "terrorism" and the circumstances in which the threshold will apply, for the purpose of determining whether this exclusion will apply to that incident. When the exclusion applies to an incident of "terrorism", there is no coverage under this Coverage Form, Policy or any applicable endorsement. D. In the event of any incident of "terrorism" that is not subject to the exclusion in Paragraph B. or C., coverage does not apply to "any injury, damage, loss or expense" that is otherwise excluded under this Coverage Form, Policy or any applicable endorsement. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 23 85 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 23 85 10 13 © Insurance Services Office, Inc., 2013 Page 1 of 2 EXCLUSION OF TERRORISM INVOLVING NUCLEAR, BIOLOGICAL OR CHEMICAL TERRORISM This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM SINGLE INTEREST AUTOMOBILE PHYSICAL DAMAGE INSURANCE POLICY With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. The following definitions are added and apply under this endorsement wherever the term terrorism, or the phrase any injury, damage, loss or expense, is enclosed in quotation marks: 1. "Terrorism" means activities against persons, organizations or property of any nature: a. That involve the following or preparation for the following: (1) Use or threat of force or violence; or (2) Commission or threat of a dangerous act; or (3) Commission or threat of an act that interferes with or disrupts an electronic, communication, information or mechanical system; and b. When one or both of the following apply: (1) The effect is to intimidate or coerce a government or the civilian population or any segment thereof, or to disrupt any segment of the economy; or (2) It appears that the intent is to intimidate or coerce a government, or to further political, ideological, religious, social or economic objectives or to express (or express opposition to) a philosophy or ideology. 2. "Any injury, damage, loss or expense" means any injury, damage, loss or expense covered under any Coverage Form or Policy to which this endorsement is applicable, and includes but is not limited to "bodily injury", "property damage", "personal and advertising injury", "loss", loss of use, rental reimbursement after "loss" or "covered pollution cost or expense", as may be defined under this Coverage Form, Policy or any applicable endorsement. B. The following exclusion is added: Exclusion Of Terrorism We will not pay for "any injury, damage, loss or expense" caused directly or indirectly by "terrorism", including action in hindering or defending against an actual or expected incident of "terrorism". "Any injury, damage, loss or expense" is excluded regardless of any other cause or event that contributes concurrently or in any sequence to such injury, damage, loss or expense. But this exclusion applies only when one or more of the following are attributed to an incident of "terrorism": 1. The "terrorism" is carried out by means of the dispersal or application of radioactive material, or through the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination; or 2. Radioactive material is released, and it appears that one purpose of the "terrorism" was to release such material; or DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 2 © Insurance Services Office, Inc., 2013 CA 23 85 10 13 3. The "terrorism" is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials; or 4. Pathogenic or poisonous biological or chemical materials are released, and it appears that one purpose of the "terrorism" was to release such materials. C. In the event of any incident of "terrorism" that is not subject to this exclusion, coverage does not apply to "any injury, damage, loss or expense" that is otherwise excluded under this Coverage Form, Policy or any applicable endorsement. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 20 55 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 20 55 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1 FELLOW EMPLOYEE COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. The Fellow Employee Exclusion contained under the Covered Autos Liability Coverage does not apply. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 01 26 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 01 26 10 13 © Insurance Services Office, Inc., 2012 Page 1 of 4 NORTH CAROLINA CHANGES For a covered "auto" licensed or principally garaged in, or "auto dealer operations" conducted in, North Carolina, this endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. Changes In Covered Autos Liability Coverage 1. The Covered Autos Liability Limit of Insurance applies except that we will apply the limit shown in the Declarations to first provide the separate limits required by North Carolina law as follows: a. $30,000 for "bodily injury" to any one person caused by any one "accident"; b. $60,000 for "bodily injury" to two or more persons caused by any one "accident"; and c. $25,000 for "property damage" caused by any one "accident". This provision will not change the Limit of Insurance. 2. If the policy provides Covered Autos Liability Coverage only for owned "autos", a temporary substitute for one of these will also be considered a covered "auto", subject to the following provisions: a. The owned "auto" must be out of service because of its breakdown, repair, servicing, loss or destruction. b. The temporary substitute must be owned by someone other than you or a member of your household. c. The temporary substitute must be with the permission of the owner. d. The Covered Autos Liability Coverage for the temporary substitute is excess over any other collectible insurance. B. Changes In Physical Damage Coverage Paragraph A.3. Glass Breakage – Hitting A Bird Or Animal – Falling Objects Or Missiles in the Business Auto and Motor Carrier Coverage Forms and Paragraph F.1.b. Glass Breakage – Hitting A Bird Or Animal – Falling Objects Or Missiles in the Auto Dealers Coverage Form are replaced by the following: Glass Breakage – Hitting A Bird Or Animal – Falling Objects Or Missiles If you carry Comprehensive Coverage for the damaged covered "auto", we will pay for the following under Comprehensive Coverage: a. Glass breakage; b. "Loss" caused by hitting a bird or animal; and c. "Loss" caused by falling objects or missiles. However, you have the option of having glass breakage caused by the covered "auto's" collision or overturn and "loss" caused by hitting a bird or animal considered a "loss" under Collision Coverage. C. Changes In Uninsured Motorists Coverage The Limit of Insurance applies except that we will apply the limit shown in the Declarations to first provide the separate limits required by North Carolina law as follows: 1. $30,000 for "bodily injury" to any one person caused by any one "accident"; DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 2 of 4 © Insurance Services Office, Inc., 2012 CA 01 26 10 13 2. $60,000 for "bodily injury" to two or more persons caused by any one "accident"; and 3. $25,000 for "property damage" caused by any one "accident". This provision will not change the total Limit of Insurance. D. Changes In Auto Medical Payments Coverage If the Auto Medical Payments Coverage endorsement is attached, then Exclusion C.5. relating to "bodily injury" to an "insured" while working in a business of selling, servicing, repairing or parking "autos", applies only if workers' compensation benefits are available. E. Changes In Garagekeepers Coverage If the policy provides Garagekeepers Coverage, any deductible will apply only to the amount of "loss" and will not reduce the Limit of Insurance. F. Changes In Conditions 1. Paragraph 2. of the Cancellation Common Policy Condition is replaced by the following: 2. We may cancel any type or limit of coverage provided by this policy to the extent that it cannot be ceded to the North Carolina Reinsurance Facility as follows: a. If this policy has been in effect for less than 60 days, we may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: (1) 15 days before the effective date of cancellation if we cancel for nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. b. If this policy has been in effect for 60 days or more, or is a renewal of a policy we issued, we may cancel this policy prior to the: (1) Expiration of the policy term; or (2) Anniversary date; stated in the policy only for one or more of the following reasons: (a) Nonpayment of premium. Cancellation for nonpayment of premium is not effective if the amount due is paid before the effective date set forth in the notice of cancellation. (b) An act or omission by the "insured" or his or her representative that constitutes material misrepresentation or nondisclosure of a material fact in obtaining this policy, continuing this policy, or presenting a claim under this policy. (c) Increased hazard or material change in the risk assumed that could not have been reasonably contemplated by the parties at the time of assumption of the risk. (d) Substantial breach of contractual duties, conditions or warranties that materially affects the insurability of the risk. (e) A fraudulent act against us by the "insured" or his or her representative that materially affects the insurability of the risk. (f) Willful failure by the "insured" or his or her representative to institute reasonable loss control measures that materially affect the insurability of the risk after written notice by us. (g) Loss of facultative reinsurance, or loss of or substantial changes in applicable reinsurance as provided in G.S. 58-41-30. (h) Conviction of the "insured" of a crime arising out of acts that materially affect the insurability of the risk. (i) A determination by the Commissioner of Insurance that the continuation of the policy would place us in violation of the laws of North Carolina. (j) You fail to meet the requirements contained in our corporate charter, articles of incorporation, or bylaws, when we are a company organized for the sole purpose of providing members of an organization with insurance coverage in North Carolina. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 CA 01 26 10 13 © Insurance Services Office, Inc., 2012 Page 3 of 4 We may cancel any type or limit of coverage provided by the policy to the extent that it can be ceded to the North Carolina Reinsurance Facility only for one or more of the following reasons by mailing to the first Named Insured at least 15 days' notice at the last address known to us: (1) Nonpayment of premium. (2) You become a nonresident of North Carolina and are not otherwise entitled to insurance through the Reinsurance Facility. (3) Our contract with the agent through whom this policy is written is terminated for reasons other than the quality of the agent's "insureds". (4) This policy is cancelled pursuant to a power of attorney given a company licensed according to the provisions of G.S. 58-56. 2. To the extent that any type or limit of coverage provided by this policy cannot be ceded to the North Carolina Reinsurance facility, the following provision is added and supersedes any other provisions to the contrary: Nonrenewal a. If we elect not to renew this policy, we will mail or deliver to the first Named Insured shown in the Declarations written notice of nonrenewal at least 45 days prior to the: (1) Expiration of the policy if it has been written for one year or less; or (2) Anniversary date if it is a continuous policy or has been written for more than one year or for an indefinite term. b. We need not mail or deliver the notice of nonrenewal if you have: (1) Insured property covered under this policy under any other insurance policy; (2) Accepted replacement coverage; or (3) Requested or agreed to nonrenewal of this policy. c. If notice is mailed, proof of mailing will be sufficient proof of notice. d. The written notice of cancellation or nonrenewal will: (1) Be mailed or delivered to the first Named Insured and any designated loss payee at their addresses shown in the policy, or if not indicated in the policy, at their last known addresses; and (2) State the reason or reasons for cancellation or nonrenewal. 3. To the extent that any type or limit of coverage provided by this policy can be ceded to the North Carolina Reinsurance Facility, the following provision is added and supersedes any other provision to the contrary: Nonrenewal We may nonrenew this policy only for one or more of the following reasons: a. Nonpayment of premium. b. You become a nonresident of North Carolina and are not otherwise entitled to insurance through the Reinsurance facility. c. Our contract with the agent through whom this policy is written is terminated for reasons other than the quality of the agent's "insureds". d. This policy is cancelled pursuant to a power of attorney given a company licensed according to the provisions of G.S. 58-56. e. You fail to meet the requirements contained in our corporate charter, articles of incorporation, or bylaws, when we are a company organized for the sole purpose of providing members of an organization with insurance coverage in North Carolina. 4. Common Policy Condition B. Changes is changed to read as follows: This policy contains all the agreements between you and us. Its terms may not be changed or waived except by endorsement issued by us. If a change requires a premium adjustment, we will adjust the premium for that change as of the effective date of change. If we revise this policy form to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective in your state. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Page 4 of 4 © Insurance Services Office, Inc., 2012 CA 01 26 10 13 5. Loss Condition 1. Appraisal For Physical Damage Loss is replaced by the following: 1. Appraisal For Physical Damage Loss If you and we disagree on the amount of "loss", either may demand an appraisal of the "loss". In this event, each party will select a competent appraiser. The two appraisers will select a competent and impartial umpire. The appraisers will state separately the actual cash value and amount of "loss". If they fail to agree, they will submit their differences to the umpire. A decision, in writing, agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If we submit to an appraisal, we will still retain our right to deny the claim. 6. The following is added to Loss Conditions: Appraisal For Property Damage In the event of an "accident": 1. If the claimant and we fail to agree as to the difference in fair market value of the motor vehicle immediately before and immediately after the "accident" and the difference in the claimant's and our estimate of the diminution in fair market value of the vehicle is greater than $2,000 or 25% of the fair market retail value of the vehicle prior to the "accident" as determined by the latest edition of the National Automobile Dealers Association Pricing Guide Book or other publications approved by the Commissioner of Insurance, whichever is less; and 2. Liability for coverage for the claim is not in dispute; then on the written demand of either the claimant or us, each shall select a competent and disinterested appraiser and notify the other of the appraiser selected within 20 days after the demand. Should the appraisers fail to agree, they shall then select a competent and disinterested appraiser to serve as an umpire. If the appraisers cannot agree upon an umpire within 15 days, either the claimant or we may request that a magistrate resident in the county where the insured motor vehicle is registered or the county where the "accident" occurred select the umpire. The umpire then shall prepare a report determining the amount of "property damage" and shall file the report with us and the claimant. The claimant or we shall have 15 days from the filing of the report to reject the report and notify the other party of such rejection. If the report is not rejected within 15 days from the filing of the report, the report shall be binding upon both the claimant and us. Each appraiser shall be paid by the party selecting the appraiser, and the expenses of appraisal and umpire shall be paid by the parties equally. If either party elects to have an appraisal to determine the amount of "property damage", then the amount of "property damage" cannot be decided through arbitration. 7. Paragraph 2. of the Concealment, Misrepresentation Or Fraud General Conditions is amended by the addition of the following: This condition does not apply for coverage up to the minimum limits of liability required by the North Carolina Financial Responsibility Act of 1957. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTOPOLICY NUMBER:2020-35634 CA 99 23 10 13 Voices TogetherNamed Insured: 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. AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM This endorsement modifies insurance provided under the following: RENTAL REIMBURSEMENT COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Endorsement Effective Date:10/10/2020 SCHEDULE Designation or Description of Covered "Autos" to which this insurance appliesCoverage Premium Maximum Payment Each Covered "Auto" Any One Day No. of Days Any One Period Comprehensive Collision 30 30 Incl.$1500 $1500 Incl. Specified Causes of Loss Any Covered "Auto" Any Covered "Auto" N/A Total Premium Incl. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A.This endorsement provides only those coverages where a premium is shown in the Schedule. It applies only to a covered "auto" described or designated in the Schedule. C.We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days: We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductibles apply to this coverage. The number of days reasonably required to repair or replace the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you. B. 1. Page 1 of 2 © Insurance Services Office, Inc., 2011 CA 99 23 10 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTOPOLICY NUMBER:2020-35634 CA 99 23 10 13 2.The number of days shown in the Schedule. D.Our payment is limited to the lesser of the following amounts: E.This coverage does not apply while there are spare or reserve "autos" available to you for your operations. F.If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the Physical Damage Coverage Extension. 1.Necessary and actual expenses incurred. 2.The maximum payment stated in the Schedule applicable to "any one day" or "any one period". Page 2 of 2 © Insurance Services Office, Inc., 2011 CA 99 23 10 13 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 COMMERCIAL AUTO CA 99 34 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 99 34 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1 SOCIAL SERVICE AGENCIES – VOLUNTEERS AS INSUREDS This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. The following is added to the Who Is An Insured provision under Covered Autos Liability Coverage: Anyone volunteering services to you is an "insured" while using a covered "auto" you don't own, hire or borrow to transport your clients or other persons in activities necessary to your busin ess. Anyone else who furnishes that "auto" is also an "insured". DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 POLICY NUMBER: COMMERCIAL AUTO CA 04 44 10 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 04 44 10 13 © Insurance Services Office, Inc., 2011 Page 1 of 1 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US (WAIVER OF SUBROGATION) This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER 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: Endorsement Effective Date: SCHEDULE Name(s) Of Person(s) Or Organization(s): Any person or organization with whom you have a written contract currently in effect or becoming effective during the term of this policy. 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. DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 as a Member of the Corporation during such time as it satisfies all the requirements for eligibility for membership as set forth in Article II, Section 1 of the Bylaws. The term of membership is set forth in Article II, Section 2 of the Bylaws. A Member may not transfer its membership or any rights arising therefrom except in accordance with Article II, Section 4 of the Bylaws. The rights of Members to elect Directors, to vote on matters submitted to the membership of the Corporation for decision and to attend meetings of the Corporation are all as further set forth in Article II of the Bylaws. A copy of the Bylaws of the Corporation is available online at www.insurancefornonprofits.org Pursuant to the Articles of Incorporation and Amended and Restated Bylaws ["Bylaws"] of Alliance of Nonprofits for Insurance Risk Retention Group, Inc. ["the Corporation"], this Certificate evidences the membership of Alliance of Nonprofits for Insurance, Risk Retention Group (ANI) EVIDENCE OF MEMBERSHIP Voices Together Offered with reference to Policy No 2020-35634 Alliance of Nonprofits for Insurance, Risk Retention Group, Inc. Issuing Office: Santa Cruz, CA October 10, 2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637 Personal Care & Assisted Living Insurance Center P.O. Box 933 Hanover, PA 17331 RENEWAL OF NUMBER: 2019-35634 POLICY NUMBER:2020-35634PRODUCER: COMMERCIAL LINES COMMON POLICY DECLARATIONS Voices Together NAME OF INSURED AND MAILING ADDRESS: 88 Vilcom Center Dr. Suite 100 Chapel Hill, NC 27514 POLICY PERIOD:FROM 10/10/2020 TO 10/10/2021 AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE BUSINESS DESCRIPTION: Therapeutic music program for people with developmental disabilities IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THESE PREMIUMS MAY BE SUBJECT TO ADJUSTMENT. PREMIUM $664COMMERCIAL GENERAL LIABILITY COVERAGE PART - OCCURRENCE ..............................................................$250COMMERCIAL AUTO LIABILITY COVERAGE PART ............................ .........................$1,148IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE COVERAGE PART $840SOCIAL SERVICE PROFESSIONAL COVERAGE PART .......................................................... Not Covered................................................................................TERRORISM COVERAGE (Certified Acts) INCLUDED............................................................COMMERCIAL LIQUOR LIABILITY COVERAGE PART $2,902TOTAL: FORM(S) AND ENDORSEMENT(S) MADE A PART OF THIS POLICY AT TIME OF ISSUE:* ANI-E003 GL 08 20, ANI-E069 GL 02 19, ANI-E078 12 18, ANI-E120 09 19, ANI-E123 09 19, ANI-RRG-AL 04 01, ANI-RRG-E11 GL 09 19, ANI-RRG-E15 01 17, ANI-RRG-E22 09 19, ANI-RRG-E25 12 15, ANI-RRG-E26 11 17, ANI-RRG-E28 01 99, ANI-RRG-E29 12 09, ANI-RRG-E33 GL 09 19, ANI-RRG-E34 09 18, ANI-RRG-E42 GL 09 19, ANI-RRG-E5 07 15, ANI-RRG-E56 01 17, ANI-RRG-E59 02 12, ANI-RRG-E60 07 12, ANI-RRG-E61 02 19, ANI-RRG-E67 08 17, ANI-RRG-E70 03 19, ANI-RRG-E72 01 17, ANI-RRG-E74 03 14, ANI-RRG-GL 04 01, ANI-RRG-LL 04 01, ANI-RRG-NPO-001 05 20, ANI-RRG-SC 04 01, ANI-RRG-X1 06 18, CG 00 01 04 13, CG 00 33 04 13, CG 20 10 04 13, CG 20 12 04 13, CG 20 18 04 13, CG 20 20 11 85, CG 20 21 07 98, CG 20 26 04 13, CG 20 34 04 13, CG 20 37 04 13, CG 21 09 06 15, CG 21 47 12 07, CG 21 73 01 15, CG 21 96 03 05, CG 24 07 01 96, IL 00 17 11 98, IL 00 21 09 08, IL 02 69 09 08, SCHEDULE BA 01 80, SCHEDULE G 01 80, SCHEDULE L 01 80 BY *Omits applicable forms and endorsement if shown in specific coverage part / coverage form declarations. These declarations and the common policy declarations, if applicable, together with the common policy conditions, coverage form(s) and forms and endorsements, if any, issued to form a part thereof, complete the above numbered policy. "NOTICE This policy is issued by your risk retention group. Your risk retention group may not be subject to all of the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for your risk retention group." ANI-RRG-CO (AUTHORIZED REPRESENTATIVE) 09/10/2020 DocuSign Envelope ID: 81A61471-345A-47F9-8A2D-36F7929A6637