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19-043 Bruce E. Biordi, Program and Project Management Consultant ServicesCITY OF
MASTER PROFESSIONAL/SPECIALIZED SERVICES AGREEMENT
WITH BRUCE E. BIORDI
CUPERTINO
1. PARTIES
This Master Agreement is made and entered into as of March 18,2019 Effective
Date"),by and between the City of Cupertino, a municipal corporation("City"), and
Bruce E. Biordi Contractor"), a Sole Proprietorship/Individual for
Program and Project Management Consultant Services
2. SERVICES
2.1 Scope of Services. Contractor agrees to provide the Services set forth in the Scope of Services,
attached and incorporated here as Exhibit A, on an as-needed basis. The Services must comply with
this Agreement and with each Service Order issued by the City's Project Manager or his/her designee,
in accordance with the following procedures,unless otherwise specified in Exhibit A.
2.2 Service Orders.Before issuing a Service Order,the City Project Manager will request
Services in writing and hold a meeting with Contractor to discuss the Service Order. Contractor will
submit a written proposal that includes a specific Scope of Services, Schedule of Performance and
Compensation, which the Parties will discuss. Thereafter, City will execute a Service Order Form for
the Services, attached and incorporated here as Exhibit B. The Service Order will specify the Scope of
Services, Schedule of Performance, Compensation and any other conditions applicable to the Service
Order. Issuance of a Purchase Order is discretionary. The City Project Manager is authorized to
streamline these procedures based on the City's best interests. Contractor will not be compensated for
Services performed without a duly authorized and executed Service Order.
3. TIME OF PERFORMANCE
3.1 Term. This Agreement begins on the Effective Date and ends on_10/31/2020
Contract Time"),unless terminated earlier as provided herein.
3.2 Schedule of Performance. Contractor must deliver the Services within the time specified in
each Service Order, and under no circumstances should the Services go beyond the Contract Time.
3.3 Time is of the essence for the performance.of all the Services required in this Agreement and
in each Service Order. Contractor must have sufficient time,resources and qualified staff to deliver the
Services on time. Contractor must respond promptly to each Service Order request.
4. COMPENSATION
4.1 Maximum Compensation. City will pay Contractor for satisfactory performance of the
Services a total amount that will based upon actual costs but that will be capped so as not to exceed
125,000 Contract Price"), based upon the Scope of Services in Exhibit A and the
budget and rates included. The maximum compensation includes all expenses and reimbursements
and will remain in place even if Contractor's actual costs exceed the capped amount.
City Project Program and Project Management Consultant Services-Bruce E.Biordi
Master Professional/Specialized Services Agreement/Rev.May 22,2018
Page] of 8
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rojpuusaoinrasaqlOuiuuojradjospogjowpuusuuauiotlirojolgisuodsaiXlolossiroiou.4u03 ',Klinjo
arnluanjuiofio `rau-zed `ooXolduuouuioupuuroiou4uooluopuadopuiupsirolourluoD •snjvjSFs
quowooBVoqlrapunsuoiTU2ijgozagioiojuauikedraqrgSwejofiiasanaijarJuauuarmbar
siglgjimaouuildwoouox•junoiddu,44iDiojsuuujo2uipuadpuusisoojojuomXudalalduioo
puuIt'UUrojuoilisinbarujtuignsIsnuurolourluoo `juouraarBVoqljououuiidxoofroudsAupAliigs
gluouiftpaobidoqliojairpjunouuuoqjpuupalalduroosolquranilapaqjJOuoiiduosopualmsisnui
saoionuiAlgluour `raprpasugornduuipapinordasimraqjosuIdaoxgquauiftt'dput' saaionuIVv
raprpaoinras
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7. OWNERSHIP OF MATERIALS
7.1 Property Rights. Any interest(including copyright interests)of Contractor in any product,
memoranda, study,report,map, plan, drawing, specification, data,record, document or other
information or work, in any medium(collectively, "Work Product"), prepared by Contractor in
connection with this Agreement will be the exclusive property of the City and shall not be shown to
any third-party without prior written approval of City.
7.2 Copyright. To the extent permitted by Title 17 of U.S. Code, all Work Product arising out of
this Agreement is considered"works for hire" and all copyrights to the Work Product will be the
property of City. Alternatively, Contractor assigns to City all Work Product copyrights. Contractor
may use copies of the Work Product for promotion only with City's written approval.
7.3 Patents and Licenses. Contractor must pay royalties or license fees required for authorized
use of any third parry intellectual property, including but not limited to patented,trademarked, or
copyrighted intellectual property if incorporated into the Services or Work Product of this Agreement.
7.4 Re-Use of Work Product. Unless prohibited by law and without waiving any rights, City may
use or modify the Work Product of Contractor or its sub-Contractors,prepared or created under this
Agreement,to execute or implement any of the following:
a) The original Services for which Contractor was hired;
b) Completion of the original Services by others;
c) Subsequent additions to the original Services; and/or
d) Other City projects.
7.5 Deliverables and Format. Contractor must provide electronic and hard copies of the Work
Product, on recycled paper and copied on both sides, except for one single-sided original.
8. RECORDS
Contractor must maintain complete and accurate accounting records relating to its performance in
accordance with generally accepted accounting principles. The records must include detailed
information of Contractor's performance, benchmarks and deliverables,which must be available to
City for review and audit. The records and supporting documents must be kept separate from other
records and must be maintained for four years from the date of City's final payment.
9. ASSIGNMENT
Contractor shall not assign, sublease,hypothecate, or transfer this Agreement, or any interest therein,
directly or indirectly, by operation of law or otherwise,without prior written consent of City. Any
attempt to do so will be null and void. Any changes related to the financial control or business nature
of Contractor as a legal entity will be considered an assignment of the Agreement and subject to City
approval. Control means fifty percent(50%)or more of the voting power of the business entity.
Cin,Project Program and Project Management Consultant Set-vices-Bruce E.Biordi
Master Professional/Specialized Services Agreement/Rev.May 22,2018
Page 3 of 8
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expiration dates of coverage. Failure to comply with this provision may result in City, at its sole
discretion and without notice,purchasing insurance for Contractor and deducting the costs from
Contractor's compensation or terminating the Agreement.
13. COMPLIANCE WITH LAWS
13.1 General Laws. Contractor shall comply with all local, state and federal laws and regulations
applicable to this Agreement. Contractor will promptly notify City of changes in the law or other
conditions that may affect the Project or Contractor's ability to perform. Contractor is responsible for
verifying the employment authorization of employees performing the Services,as required by the
Immigration Reform and Control Act.
13.2 Labor Laws. Contractor shall comply with all labor laws applicable to this Agreement. If the
Scope of Services includes a"public works"component, Contractor is required to comply with
prevailing wage laws under Labor Code Section 1720 and other labor laws.
13.3 Discrimination Laws. Contractor shall not discriminate on the basis of race,religious creed,
color, ancestry,national origin, ethnicity,handicap, disability, marital status,pregnancy, age, sex,
gender, sexual orientation, gender identity,Acquired-Immune Deficiency Syndrome(AIDS)or any
other protected classification. Contractor shall comply with all anti-discrimination laws, including
Government Code Sections 12900 and 11135, and Labor Code Sections 1735, 1777 and 3077.5.
Consistent with City policy prohibiting harassment and discrimination, Contractor understands that
harassment and discrimination directed toward a job applicant, an employee, a City employee, or any
other person,by Contractor or Contractor's employees or sub-contractors will not be tolerated.
13.4 Conflicts of Interest.Contractor shall comply with all conflict of interest laws applicable to
this Agreement and must avoid any conflict of interest. Contractor warrants that no public official,
employee, or member of a City board or commission who might have been involved in the making of
this Agreement,has or will receive a direct or indirect financial interest in this Agreement, in violation
of California Government Code Section 1090 et seq. Contractor may be required to file a conflict of
interest form if Contractor makes certain governmental decisions or serves in a staff capacity, as
defined in Section 18700 of the California Code of Regulations. Contractor agrees to abide by the
City's rules governing gifts to public officials and employees.
13.5 Remedies. Any violation of Section 13 constitutes a material breach and may result in City
suspending payments,requiring reimbursements or terminating this Agreement. City reserves all other
rights and remedies available under the law and this Agreement, including the right to seek
indemnification under Section 11 of this Agreement.
14. PROJECT COORDINATION
City Project Manager. The City assigns Michael Zimmermann as the City's representative
for all purposes under this Agreement, with authority to oversee the progress and performance of the
Scope of Services. City reserves the right to substitute another Project manager at any time, and
without prior notice to Contractor.
City Project Program and Project Management Consultant Services-Bruce E.Biordi
Master Professional/Specialized Services Agreement/Rev.May 22,2018
Page 5 of 8
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21. ENTIRE AGREEMENT
This Agreement represents the full and complete understanding of every kind or nature between the
Parties, and supersedes any other agreement(s)and understanding(s), either oral or written, between
the Parties. Any modification of this Agreement will be effective only if in writing and signed by each
Party's authorized representative. No verbal agreement or implied covenant will be valid to amend or
abridge this Agreement. If there is any inconsistency between the main Agreement and the attachments
or exhibits thereto,the text of the main Agreement shall prevail.
22. INSERTED PROVISIONS
Each provision and clause required by law for this Agreement is deemed to be included and will be
inferred herein. Either party may request an amendment to cure mistaken insertions or omissions of
required provisions. The Parties will collaborate to implement this Section, as appropriate.
23. HEADINGS
The headings in this Agreement are for convenience only, are not a part of the Agreement and in no
way affect,limit or amplify the terms or provisions of this Agreement.
24. SEVERABILITY/PARTIAL INVALIDITY
If any term or provision of this Agreement, or their application to a particular situation, is found by the
court to be void, invalid,illegal or unenforceable, such term or provision shall remain in force and
effect to the extent allowed by such ruling. All other terms and provisions of this Agreement or their
application to specific situations shall remain in full force and effect. The Parties agree to work in good
faith to amend this Agreement to carry out its intent.
25. SURVIVAL
All provisions which by their nature must continue after the Agreement expires or is terminated,
including the Indemnification, Ownership of Materials/Work Product,Records, Governing Law and
Attorney Fees, shall survive the Agreement and remain in full force and effect.
26. NOTICES
All notices,requests and approvals must be sent in writing to the persons below,which will be
considered effective on the date of personal delivery or the date confirmed by a reputable overnight
delivery service, on the fifth calendar day after deposit in the United StatesMail,postage prepaid;
registered or certified, or the next business day following electronic submission:
To Citv of Cupertino To Contractor: Bruce E.Biordi
10300 Torre Ave.,Cupertino CA 95014 398 Cloverdale Lane
Campbell,CA,95008,Phone#:408-480-4370
Attention: Michael Zimmermann Attention: Bruce Biordi
Email: MichaelZ@cupertino.org Email: Bruce.pmconsultant@gmail.com
City Project Program and Project Management Consultant Services-Bruce E.Biordi
Master Professional/Specialized Services Agreement/Rev.May 22,2018
Page 7 of 8
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EXHIBIT A
SCOPE OF SERVICES
The CONSULTANT shall provide certain Program and Project Management services as
required and requested by the CITY. 1
The CONSULTANT shall provide services under this Master Agreement on an "as needed"
basis and 2&(1)upon written request from the CITY's Director of Public Works or authorized
Agent as defined in Section 11, PROJECT COORDINATION and(2) as defined in a fully
executed SERVICE ORDER, Exhibit B.
SECTION 1-GENERAL PROVISIONS
A. The CONSULTANT shall perform all services to the satisfaction of the CITY's Public
Works Director or authorized Agent.
B. The CONSULTANT shall perform all services under this agreement to the currently
prevailing professional standards and quality found among Program and Project
Management Consultants with similar knowledge and skill engaged in related work
throughout California under the same or similar circumstances.
C. The CONSULTANT shall perform services under this AGREEMENT only by
authorization of a fully executed SERVICE ORDER which shall clearly provide the
nature of the specific services,the time limit within which such services must be
completed, and the compensation for such services.Unauthorized services performed
by the CONSULTANT shall be at no cost to the CITY.
D. The CONSULTANT shall begin work only after receipt of a fully authorized and
executed SERVICE ORDER. The CITY shall incorporate each authorized and fully
executed SERVICE ORDER into the terms and conditions of this MASTER
AGREEMENT.
E. The CITY shall designate a Project Manager for each authorized and fully executed
SERVICE ORDER under this AGREEMENT.The CONSULTANT shall coordinate the
SERVICE ORDER performance with the CITY's designated Project Manager.
SECTION 2. BASIC SERVICES
The Consultant shall provide Program and Project Management services for various CITY
Public Works projects.All services performed shall be authorized by a fully executed SERVICE
ORDER prior to work commencement. Consultant services under this Master Agreement may
include,but are not limited to:
City of Cupertino Master Agreement Exhibit A-Scope of Services
Program&Project Management Services-Bruce E.Biordi Page 1 of 2
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EXHIBIT B
SERVICE ORDER PROCESS
Each Service Order for work under this Master Agreement shall be initiated and executed as provided for in
the Master Agreement, Section 2.2, Service Orders. An exemplar of the Service Order form follows.
END OF EXHIBIT
City of Cupertino Master Agreement Exhibit B-Service Order Process
Program&Project Management Services-Bruce E.Biordi Page 1 of 1
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EXHIBIT C
COMPENSATION
The City shall compensate the Consultant according to the hourly rate(s) stated in this
Exhibit which shall remain in effect for the Master Agreement schedule of performance
unless changed by written amendment to the Master Agreement.
Each authorized Service Order under this Master Agreement shall identify the method
of compensation consistent with the scope of services provided by the Consultant. In
any case, the Consultant's total payment for each authorized Service Order shall not
exceed the maximum compensation identified in that Service Order, unless authorized
by a written amendment executed by the City and the Consultant, and the total
compensation for all authorized Service Orders shall not exceed the maximum
compensation stated in Article 4, Consultant Compensation, of the Master Agreement.
Work exceeding the total authorized amount for a Service Order or the total
compensation for the Master Agreement shall be at no cost to the City.
Consultant Hourly Rate(s)
The Consultant shall be compensated according to the following hourly rate(s) for all
work performed under authorized Service Orders:
Labor Category Master Agreement Hourly Rate
Project Executive/Project Manager 125.00
Reimbursable Expenses
Reimbursable expenses represent the acquisition cost of items, other than direct labor,
specifically required to perform the scope of services and beyond normal business
operating expenses which are included in the direct labor rate. Such expenses include,
but are not limited to:
Individual or multiple document reproductions that exceed 50 pages;
Drawing or bid set reproductions;
Software required by City other than Microsoft Word, Excel, PowerPoint, and
Project; Adobe Acrobat; and a photo editor program.
Travel expenses to the extent allowed by City policy;
Sub-consultants required by project scope of services;
City of Cupertino Master Agreement Exhibit C-Compensation
Program&Project Management Services-Bruce E. Biordi Pagel of 2
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EXHIBIT D
Insurance Requirements
Design Professionals & Consultants Contracts
Consultant shall procure prior to commencement of Services and maintain for the duration of the contract, at
its own cost and expense, the following insurance policies and coverage with companies doing business in
California and acceptable to City.
INSURANCE POLICIES AND MINIMUMS REQUIRED
1. Commercial General Liability (CGL) for bodily injury, property damage, personal injury liability for
premises operations, products and completed operations, contractual liability, and personal and
advertising injury with limits no less than $1,000,000 per occurrence (ISO Form CG 00 01). If a
general aggregate limit applies, either the general aggregate limit shall apply separately to this
project/location(ISO Form CG 25 03 or 25 04)or it shall be twice the required occurrence limit.
a. It shall be a requirement that any available insurance proceeds broader than or in excess of the
specified minimum insurance coverage requirements and/or limits shall be made available to the
Additional Insured and shall be(i)the minimum coverage/limits specified in this agreement; or(ii)the
broader coverage and maximum limits of coverage of any insurance policy,whichever is greater.
b. Additional Insured coverage under Consultant's policy shall be "primary and non-contributory,"
will not seek contribution from City's insurance/self-insurance, and shall be at least as broad as ISO
Form CG 20 01 (04/13)..
c. The limits of insurance required may be satisfied by a combination of primary and umbrella or
excess insurance,provided each policy complies with the requirements set forth in this Contract. Any
umbrella or excess insurance shall contain or be endorsed to contain a provision that such coverage
shall also apply on a primary and non-contributory basis for the benefit of City before the City's own
insurance or self-insurance shall be called upon to protect City as a named insured.
2. Automobile Liability:ISO CA 00 01 covering any auto (including owned,hired, and non-owned autos)
g with limits no less than$1,000,000 per accident for bodily injury and property damage.
3. Workers'Compensation:As required by the State of California,with Statutory Limits and Employer's
ility Insurance of no less than$1,000,000 per occurrence for bodily injury or disease.
X of required. Consultant has provided written verification of no employees.
4. Professional Liability for professional acts, errors and omissions, as appropriate to Consultant's
profession, with limits no less than $2,000,000 per occurrence or$2,000,000 aggregate. If written on a
claims made form:
a. The Retroactive Date must be shown and must be before the Effective Date of the Contract.
b. Insurance must be maintained for at least five(5)years after completion of the Services.
c. If coverage is canceled or non-renewed,and not replaced with another claims-made policy form with a
Retroactive Date prior to the Contract Effective Date, the Consultant must purchase"extended
C-te'porting'cr age for a minimum of five (5)years after completion of the Services.
X Not required.
OTHER CE PROVISIONS
The aforementioned insurance shall be endorsed and have all the following conditions and provisions:
Exh.D-Insurance Requirements for Design Professionals&Consultants Contracts Form Updated Feb.2018
1
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Declaration of Sole Proprietorship
DECLARATION AND ADDENDUM TO ALL CONTRACTS ENTERED INTO OR BID
AWARDED TO: Bruce E.Biordi, hereinafter "Organization'
For the purpose of inducing the City of Cupertino ("City") to enter into any contracts with
Organization, or to go forward with any contracts awarded to Organization, I declare as
follows:
I am the authorized representative of Organization,an independent contractor for the purposes
of workers' compensation and labor laws in the State of California.This Organization will hire
no employees for work required for any bid awarded or any contract entered into with the City.
All work required will be performed personally and solely by me.
If the Organization hires employees to perform this contract or any portion thereof,the
Organization shall obtain workers' compensation insurance and provide proof of such coverage
to the City.
If the Organization hires a subcontractor to perform this contract or any portion thereof, and the
subcontractor has employees,then the Organization shall require its subcontractor to obtain
workers'compensation insurance coverage.In the alternative,the Organization shall obtain
workers'compensation insurance coverage on behalf of the subcontractor's employees.
This document constitutes a declaration by the Organization against its financial interest,
relative to any claims that it may assert under the applicable workers'compensation and/or
labor laws against the City relating to any bid awarded or contract entered into with this
Organization.The Organization shall defend,indemnify and hold harmless the City from any
and all liability, claims, demands,causes of action,charges, damages,injuries,fees including
attorney fees, costs and expense that may be asserted or established by any person or entity in
the event the Organization hires an employee in violation of this addendum.
I agree that this declaration shall constitute an addendum to any bid awarded or any contract
entered into with this Organization. I declare under penalty of perjury under the laws of the
State of California that the foregoing is true and correct.
IAE
U RIZED RESPR SENTATIVE
Revised, 01.01.19
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Michael Zimmermann
From: Roger Lee
Sent: Tuesday, March 19, 2019 6:24 AM
To: Costamagna,Joseph'
Cc:Heather Minner Law Email; Michael Zimmermann
Subject: RE: Contract Project Manager- Insurance Requirements
Joseph,
Thank you for the assistance.Appreciate the review.
Roger Lee
Acting Public Works Director
Public Works
RogerL@cupertino.org
4'0"88) 777-3354/3350
CUPERTINO W 0 0 0 0 b
From: Costamagna,Joseph <joseph.costamagna@yorkrisk.com>
Sent: Monday, March 18, 2019 3:41 PM
To: Roger Lee <RogerL@cupertino.org>
Cc: Heather Minner Law Email <minner@smwlaw.com>; Michael Zimmermann <michaelz@cupertino.org>
Subject: Re: Contract Project Manager- Insurance Requirements
Roger, I started responding to this two weeks ago and thought I had sent the email, but it was in my drafts
folder. I sincerely apologize for the unacceptable delay.
I appreciate you sending this over for review. It is absolutely appropriate to lower these requirements to
1,000,000 per occurrence for the General Liability. As noted by your colleagues and the broker, this is a low-
risk activity for the City and we can always be flexible with these lower risks.
We are developing a "Risk Transfer Matrix" for our clients that will hopefully clarify and match the different
levels of risk with recommended insurance requirements. We are in peer review and will distribute it
soon. Thanks again and I appreciate your patience.
Joe
I
I
Joe Costamagna
i
Senior Consultant,Litigation lllnnayement
rn- 415.407.4157
916.290.4614
i
1750 Creekside Oaks Drive, Suite 200
Sacramento, CA 95833
I
1
I
Notes and suggestions contained in this communication are made by York staff for the purpose of recommending best risk management practices and
enhancing the risk management decisions made by York clients and member agencies. NOTHING CONTAINED IN THIS EMAIL IS INTENDED TO BE,
NOR SHOULD BE CONSTRUED AS, LEGAL ADVICE. York clients and member agencies are encouraged to seek appropriate counsel with legal
professionals to address legal questions.
i
i
On Mon, Mar 18, 2019 at 1:42 PM Roger Lee <Ro erL&cupertino.orr > wrote:
1
Joe,
i
Have you had the opportunity to look at these insurance requirements for a project manager?
Roger Lee
Acting Public Works Director
Public Works
RocterL@cur)ertino.org
408) 777-3354/3350ELI]
0 Q00 0CUPERTINQ
From: Heather M. Minner<M inner Gc smwlaw.com>
Sent: Sunday, March 03, 2019 5:23 PM
To: Joseph Costamagna (joseph.costama na@yorkrisk.com) <joseph.costama igZagyorkrisk.com> j
Cc: Roger Lee <RogerLc,cupertino.org>
Subject: FW: Contract Project Manager - Insurance Requirements
i
i
i
Hi Joe,
f
Let me know if you have any thought about insurance levels for these types of project managers. (Also let me
now if I missed an earlier email about this.) Please feel free to respond to Roger directly and cc me.
Heather
Heather M. Minner I
City Attorney
i
City of Cupertino
2
Shute, Mihaly &Weinberger LLP
396 Hayes Street
San Francisco, CA 94102-4421
v: 415/552-7272 x260
f: 415/552-5816
www.smwlaw.com
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From: Heather M. Mimler
Sent: Sunday, February 24, 2019 6:52 PM
To: Joseph Costamagna(joseph.costamagna cr,yorkrisk.com) <joseph.costama naayorlcrisk.com>
Subject: FW: Contract Project Manager - Insurance Requirements
Hi Joe,
Would you be able to weigh in on this issue of insurance levels for project managers? Thanks,
Heather
Heather M. Minner
City Attorney
City of Cupertino
3
Shute, Mihaly &Weinberger LLP
396 Hayes Street
San Francisco, CA 94102-4421
v: 415/552-7272 x260
f: 415/552-5816
www.smwlaw.com
CONFIDENTIALITY NOTICE
The information contained in this e-mail message, including any attachment(s), is privileged, confidential, and protected
from disclosure. If you are not the intended recipient, you may not read, use, copy, disclose, or distribute the information
contained in this e-mail message. If you think that you have received this communication in error, please promptly
advise Shute, Mihaly &Weinberger LLP by e-mail at info(cDsmwlaw.com or telephone at(415) 552-7272, and delete all
copies of this message.
From: Roger Lee <RogerLncupertino.org>
Sent: Friday, February 22, 2019 7:44 AM
To: Heather M. Mimzer<Mimlerasmwlaw.com>
Cc: Michael Zimmermann<michaelz a,cupertino.org>
Subject: FW: Contract Project Manager - Insurance Requirements
1-leather,
This is a follow up to our conversation last week regarding the insurance requirements for project managers. In
the past, insurance requirements were $1M/$2M for general liability. Current requirements are $2M/$4M.
Please review the attached scope of work for our project managers and let:us know if lower requirements are
feasible or that the current requirements are the best practice to protect the City. If the latter is determined, the
City will need to assist individuals in getting this insurance. 'ihis would include explaining the scope of work
for project managers to the insurance brokers and increased compensation to the project manager for the
increased premium:As one of our project managers is struggling to get the required coverage,the higher limits
have become a barrier even with our assistance. Protecting the City is primary and being competitive in
attracting consultants is important.
4
Ihe below provides some additional insight. My email to Rocio did not receive a response.
Appreciate the review.
Roger Lee
Acting Public Works Director
Public Works
RogerL@cupertino.org
408) 777-3354/3350
CUPERTINO 0 0 0 0 0 ow 0
From: Roger Lee
Sent: Monday, January 28, 2019 4:03 PM
To: Rocio Fierro <RocioF@cupertino.org>
Cc: Michael Zimmermann <MichaelZ2cupertino.org>
Subject: FW: Contract Project Manager - Insurance Requirements
Rocio,
Please read below and let us know if there is an opportunity for our contract Project Managers (PM) to have an
exception ibr the $2M/$4M general liability requirement. We have two contract project managers that we are
wanting to get into agreement with. One has been working for us for four years under the previous lower
insurance amounts. 'f'o date, he has indicated that lie cannot get the additional. coverage. If lie is not able, we
will need to find another PM to take over these projects which is less than efficient. Our other PM (who has
not done work for us prior) has indicated that he can get ,:in additional $2M umbrella coverage. My thought is
that we either have them both ineet the higher standard or we accept the prior lower amounts for each. We
understand if there can be no exception.. Our inquiry is based on efficiency and possible competiveness against
other agencies. [et us know as soon as you have the time. "I'hanks.
5
Roger Lee
Acting Public Works Director
Public Works
RogerL@cupertino.org
408) 777-3354/3350
CUPERTINO
From: Michael Zimmermann
Sent: Friday, January 25, 2019 2:58 PM
To: Roger Lee <Ro egrLncupertino.org>
Subject: Contract Project Manager- Insurance Requirements
I
Hi Roger,
As our workload continues to increase we are looking for alternative project delivery methods to assist with
that workload. One approach we have used for the last 4 years is to utilize contract project managers. We are
attempting to hire two contract Project Managers, one PM is new to the City but has over 35 years of
experience the second PM has worked for us successfully for the last 4 years.
The contract Project Manager has the same duties and responsibilities as a full-time benefitted City employee
but are only used on an as needed basis and usually on smaller, less complex projects. They will be
responsible for managing the design consultant and the contract Construction Manager from project inception
through construction completion. They manage stakeholder input and ensure that the project meets City of
Cupertino goals and objectives. They do not perform design, authorize changes, approve payments or direct the
contractor, they are primarily an administrator who makes sure the consultant resources used on the project are
meeting their contractual obligations.
As we attempted to engage the two individuals we sent them the revised Exhibit D Insurance Requirements. The
revised Commercial General Liability requirement is$2,000,000 per occurrence. If a general aggregate limit applies,
either the general aggregate limit shall apply separately to this project/location or it shall be twice the required
occurrence limit. Both PM's immediately responded saying that they were having trouble finding an insurance broker
to underwrite a policy at those limits. They also explored getting an umbrella policy to augment the coverage they
could get without success.
It appears that the brokers they talked to dont understand what a Project Manager is and why the City requires such
I
high limits. Both PM's explained what the PM's duties could be (Exhibit A of the agreement) but the brokers could not
6
understand why the City would require those limits if the risk was small. Bottom line, both PM's have been unable to
secure a policy that meets our requirements.
I would like to recommend reducing the required Commercial General Liability limits to $1,000,000 per occurrence and
2,000,000 general aggregate. I should also point out that these two individuals are both retired and do not work for
any other jurisdiction. They have both stated that they would only work for Cupertino so the full extent of their
coverage would be for their Cupertino contract.
I
Please let me know if you have any questions or would like to discuss in more detail. Thank-you
Michael Zimmermann
Capital Improvement Program (CIP) Manager
Public Works
MichaelZ@cupertino.orq
408) 777-3248
CUPERTINO Q
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7
ACORO® CERTIFICATE OF LIABILITY INSURANCE
FDATE(MM/DDIYYYY)
12/13/2018
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED,the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to
the terms and conditions of the policy,certain policies may require an endorsement. A statement on this certificate does not confer rights to the
certificate holder in lieu of such endorsement(s).
PRODUCER CONTACT
NAME:
Hiscox Inc.d/b/a/Hiscox Insurance Agency in CA A coNNa E: : (888)202-3007 n/c No
520 Madison Avenue AILADDRESS: contact@hiscox.com
32nd Floor INSURERS AFFORDING COVERAGE NAIC#
New York,NY 10022 INSURER A: Hiscox Insurance Company Inc 10200
INSURED
INSURER B
BRUCE E.BIORDI INSURERC:
398 CLOVERDALE LANE INSURER D:
INSURER E:
CAMPBELL CA 95008 INSURER F:
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD j
INDICATED. NOTWITHSTANDING ANY REQUIREMENT,TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR ADDL SUBR POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE p POLICY NUMBER MMIDD/YYYY MM/DDIYYYY LIMITS
X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCDAMAGE TO
E 2,000,00
CLAIMS-MADE OCCUR PREMISES
ERENTED
a occurrence $0
MED EXP(Any one person) $ 5,000-
A Y Y UDC-1393781-CGL-18 10/28/2018 10/28/2019 PERSONAL&ADV INJURY $ 00,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,0
X POLICY PES LOC PRODUCTS-COMP/OPAGG $ en.Agg. I.
OTHER:
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $
Ea accident
ANY AUTO BODILY INJURY(Per person) $
ALL OWNED SCHEDULED
BODILY INJURY(Per accident) $AUTOS AUTOS
HIRED AUTOS
NON-OWNED PROPERTY DAMAGE
AUTOS Per accident
UMBRELLA LAB OCCUR EACH OCCURRENCE $
EXCESS LAB CLAIMS-MADE AGGREGATE
DED I I RETENTION$
WORKERS COMPENSATION PER OTSTATUTE
ERH-
AND EMPLOYERS'LIABILITY YIN
ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $
OFFICE R/Mt MBEREXCLUDED7 El NIA
Mandatoryin NH) E.L.DISEASE-EA EMPLOYEE $
If yes,describe under
DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT 1$
DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached If more space Is required)
City of Cupertino,its City Council,boards,commissions,officers,employees and volunteers are named as additional insureds. The policy is endorsed Waiver
of Subrogation E5402 in favor of City of Cupertino,its City Council,boards and commissions,officers,employees and voluteers.
CERTIFICATE HOLDER CANCELLATION
City of Cupertino,its City Council,boards,commissions,officers,employees
and volunteers SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
10300 Torre Ave. THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Cupertino,CA 95014 ACCORDANCE WITH THE POLICY PROVISIONS.
AUTHORIZED REPRESENTATIVE
1988-2014 ACORD CORPORATION. All rights reserved.
ACORD 25(2014/01) The ACORD name and logo are registered marks of ACORD
40
HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 20
Endorsement Effective: December 03, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
POLICY CHANGES
This endorsement will not be used to decrease coverage, increase rates or deductibles or alter any terms or
conditions of coverage unless at the sole request of the insured.
The following item(s).-
E]
tem(s):®
insured's Name insured's Mailing Address
11 Policy Number E] Company
Effective/Expiration Date insured's Legal Status/Business of Insured
Payment Plan Premium Determination
Additional Interested Parties Coverage Forms and Endorsements
Limits/Exposures Deductibles
Covered Property/Located Description El Classification/Class Codes
El Rates Underlying Insurance
is (are) changed to read (See Additional Page(s)):
The above amendments result in a change in the premium as follows:
0 NO CHANGES TO BE ADJUSTED ADDITIONAL PREMIUM RETURN PREMIUM
AT AUDIT
CGL E5410 CW(03110) Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 2
with its permission.
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HI SC®X Hiscox Insurance Company Inc.
GET THE RIGHT INSURANCE,RIGHT NOW
Your Insurance documents
Enclosed you will find the policy documents that make up your insurance contract with us.
Please read through all of these documents. If you have any questions or need to update any of your information
please call us at 800-867-4001 (Mon-Fri, 8am-10pm EST).
i
Your
I
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insurance documents
Declarations Page
This contains specific policy information, such as the limits and deductibles you have selected.
Policy Wording
This details the terms and conditions of your coverage, subject to policy endorsements.
EndorsementsI I
These documents modify the Policy Wording or Declarations Page. These include relevant terms and
conditions as required by your state and are part of your policy.
Notices
These documents provide information that may affect your coverage such as optional terrorism
coverage(if purchased)and other important items required by your state.
Reporting a claim
Please inform us immediately if you have a claim or loss to report. Please have your policy number available so
we can handle your call quickly.
Email: reportaclaim©hiscox.com
I
Phone: 866-424-8508
ii
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j Mail: Attn: Direct Claims
Hiscox
520 Madison Avenue - 32nd Floor
New York, NY, 10022
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abedSU01MIUM10,9a
MON1H0Ili`30NvunSNI1HJIH3HIAD
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HI C OX HISCOX INSURANCE COMPANY INC. (A Stock Company)
J 104 South Michigan Avenue, Suite 600 Chicago Illinois 60603
Commercial General Liability Declarations
In return for the payment of the premium, and subject to all the terms of this Policy, we agree with you to
provide the insurance as stated in this Policy.
Policy No.: UDC-1393781-CGL-18
Renewal of: UDC-1393781-CGL-17
Named Insured:BRUCE E. BIORDI
Address:398 CLOVERDALE LANE
CAMPBELL, CA 95008
Policy period: From: October 28, 2018 To: October 28, 2019
At 12:01 A.M. (Standard Time)at the address shown above.
Form of Business: Individual/Sole Proprietor
Each Occurrence Limit: 11000,000
Damage to Premises Rented to You Limit:100,000 Any one premises
Medical Expense Limit: 5,000 Any one person
Personal&Advertising Injury Limit: 1,000,000 Any one person or organization
General Aggregate Limit: 2,000,000
Products/Completed Operations Products-completed operations are subject to the General Aggregate
Aggregate Limit: Limit
Supplemental Business Personal Property 0
Floater Coverage Limit:
Supplemental Business Personal Property Not Applicable
Floater Coverage Deductible:
All Premises You Own, Rent or Occupy
Premises Number: 1
Address: 398 CLOVERDALE LANE
CAMPBELL, CA 95008
Total Premium:385.00
Attachments: See attached Forms and Endorsements Schedule.
CGL 113001 01 10 Includes copyrighted material of Insurance Services Office, Inc., with Page 1
its permission.©ISO Properties, Inc., 2000
OOOZ '-oul 'sa1.}iadadOSIO'uoissiwaadsjl
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104 South Michigan Avenue, Suite 600, Chicago, Illinois 60603
Forms and Endorsements Schedule
Forms and Endorsements made part of this policy at time of issue:
CGL D001 01 10- Commercial General Liability Declarations
CG 00 01 12 07-General Liability Coverage Form
CGL E5401 CW (03/10)- Definition of Employee
CGL E5402 CW (03/10)- Modified Waiver of Transfer of Rights of Recovery Against Others To Us
CGL E5403 CW (03/10)- Notice Information
CGL E5404 CW (03/10)- Exclusion - Personal Information
CGL E5405 CW (03/10)- Exclusion - Damage to Primary Residence
CGL E5407 CW (03/10)- Exclusion - Professional Services
CGL E5408 CW (03/10)-Cancellation Provision (14 Day Full Refund)
CGL E5409 CW (03/10)- Right and Duty to Select Defense Counsel
CGL E5421 CW (02/14)-Additional Insured -Automatic Status
CG 04 37 12 04- Electronic Data Liability
IL 00 17 11 98- Common Policy Conditions
IL 00 21 09 08- Nuclear Energy Liability Exclusion Endorsement(Broad Form)
CG 00 68 05 09- Recording and Distribution of Material or Information in Violation of Law Exclusion
CG 21 41 11 85- Exclusion- Intercompany Products Suits
CG 32 34 01 05-California Changes
IL 02 70 09 08-California Changes-Cancellation and Nonrenewal
CG 20 26 07 04-Additional Insured - Designated Person or Organization
CG 21 70 01 15-Cap On Losses From Certified Acts Of Terrorism
IL 09 85 01 15- Disclosure Pursuant To Terrorism Risk Insurance Act
INT N001 CW(01/09)- Economic And Trade Sanctions Policyholder Notice
INT D001 01 10 Page 1 of 1
BUIPAOMA0110d
MON1HJIH`30N` mnSNI1H0183H1130
XODSIH
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H I SCOX
COMMERCIAL GENERAL LIABILITY
CG 00 01 12 07
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
Various provisions in this policy restrict coverage. b. This insurance applies to "bodily injury" and
Read the entire policy carefully to determine rights, property damage"only if:
duties and what is and is not covered. 1) The "bodily injury" or "property damage" is
Throughout this policy the words "you" and "your" caused by an "occurrence" that takes place
refer to the Named Insured shown in the Declarations, in the "coverage territory";
and any other person or organization qualifying as a 2) The "bodily injury" or "property damage"Named Insured under this policy. The words "we", occurs during the policy period; and
us" and "our" refer to the company providing this
insurance. 3) Prior to the policy period, no insured listed
The word "insured" means any person or organization
under Paragraph 1. of Section II — Who Is
An Insured and no "employee" authorized
qualifying as such under Section II — Who Is An In-
by you to give or receive notice of an "oc-
sured.
currence" or claim, knew that the "bodily in-
Other words and phrases that appear in quotation jury" or "property damage" had occurred, in
marks have special meaning. Refer to Section V — whole or in part. If such a listed insured or
Definitions. authorized "employee" knew, prior to the
SECTION I—COVERAGES policy period, that the "bodily injury" or
property damage" occurred, then any con-
COVERAGE A BODILY INJURY AND PROPERTY tinuation, change or resumption of such
DAMAGE LIABILITY bodily injury" or "property damage" during
1. Insuring Agreement or after the policy period will be deemed to
a. We will pay those sums that the insured be- have been known prior to the policy period.
comes legally obligated to pay as damages c. "Bodily injury" or "property damage" which
because of "bodily injury" or"property damage" occurs during the policy period and was not,
to which this insurance applies. We will have prior to the policy period, known to have oc-
the right and duty to defend the insured against curred by any insured listed under Paragraph
any "suit" seeking those damages. However, 1. of Section II — Who Is An Insured or any
we will have no duty to defend the insured employee" authorized by you to give or re-
against any "suit" seeking damages for "bodily ceive notice of an "occurrence" or claim, in-
injury" or "property damage" to which this in- cludes any continuation, change or resumption
surance does not apply. We may, at our discre- of that "bodily injury" or "property damage" af-
tion, investigate any "occurrence" and settle ter the end of the policy period.
any claim or"suit"that may result. But: d. "Bodily injury" or "property damage" will be
1) The amount we will pay for damages is deemed to have been known to have occurred
limited as described in Section III — Limits at the earliest time when any insured listed un-
Of Insurance; and der Paragraph 1. of Section II — Who Is An In-
2) Our right and duty to defend ends when we sured or any "employee" authorized by you to
have used up the applicable limit of insur- give or receive notice of an "occurrence" or
ance in the payment of judgments or set- claim:
tlements under Coverages A or B or medi- 1) Reports all, or any part, of the "bodily injury"
cal expenses under Coverage C.or "property damage" to us or any other in-
No other obligation or liability to pay sums or
surer;
perform acts or services is covered unless ex- 2) Receives a written or verbal demand or
plicitly provided for under Supplementary Pay- claim for damages because of the "bodily
ments—Coverages A and B. injury" or"property damage"; or
3) Becomes aware by any other means that
bodily injury" or "property damage" has oc-
curred or has begun to occur.
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 1 of 16 0
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louospaa (qalge!Iplaqeqvwpaansu!(upbu!llnsaiglpapaosao!naastossol 'aaeoaoluo!l
go!gMaol „abe (la wepadoid„ ao ,Ajnfui l!poe„ ez!ue6aoaouosaadAueAqpew!elosabewep
Allllgel-1aonbl-I •oapnlou! .Ain.luiAI!poq„ toasnpoaqsabewea •a
f. Pollution d) At or from any premises, site or location
1) "Bodily injury" or "property damage" arising on which any insured or any contractors
subcontractors workingoutoftheactual, alleged or threatened dis- or g direct)Y or in-
charge, dispersal, seepage, migration, re- directly on any insured's behalf are per-
lease or escape of"pollutants": forming operations if the "pollutants" are
brought on or to the premises, site or lo-
a) At or from any premises, site or location cation in connection with such opera-
which is or was at any time owned or tions by such insured, contractor or sub-
occupied by, or rented or loaned to, any contractor. However, this subparagraph
insured. However, this subparagraph does not apply to:
does not apply to:
i) "Bodily injury" or "property damage"i) "Bodily injury" if sustained within a arising out of the escape of fuels, lu-
building and caused by smoke, bricants or other operating fluidsfumes, vapor or soot produced by or which are needed to perform the
originating from equipment that is normal electrical, hydraulic or me-
used to heat, cool or dehumidify the chanical functions necessary for the
building, or equipment that is used to operation of "mobile equipment" or
heat water for personal use, by the its parts, if such fuels, lubricants or
building's occupants or their guests; other operating fluids escape from a
ii) "Bodily injury" or "property damage" vehicle part designed to hold, store
for which you may be held liable, if or receive them. This exception does
you are a contractor and the owner not apply if the "bodily injury" or
or lessee of such premises, site or property damage" arises out of the
location has been added to your pol- intentional discharge, dispersal or re-
icy as an additional insured with re- lease of the fuels, lubricants or other
spect to your ongoing operations operating fluids, or if such fuels, lu-
performed for that additional insured bricants or other operating fluids are
at that premises, site or location and brought on or to the premises, site or
such premises, site or location is not location with the intent that they be
and never was owned or occupied discharged, dispersed or released as
by, or rented or loaned to, any in- part of the operations being per-
sured, other than that additional in- formed by such insured, contractor
sured; or or subcontractor;
iii) "Bodily injury" or "property damage" ii) "Bodily injury" or "property damage"
arising out of heat, smoke or fumes sustained within a building and
from a"hostile fire";caused by the release of gases,
b) At or from any premises, site or location fumes or vapors from materials
which is or was at any time used by or brought into that building in connec-
for any insured or others for the han- tion with operations being performed
dling, storage, disposal, processing or by you or on your behalf by a con-
treatment of waste; tractor or subcontractor; or
c) Which are or were at any time trans-
iii) "Bodily injury" or "property damage"
ported, handled, stored, treated, dis- arising out of heat, smoke or fumes
posed of, or processed as waste by or from a"hostile fire".
for: e) At or from any premises, site or location
i) Any insured; or on which any insured or any contractors
or subcontractors working directly or in-
ii) Any person or organization for whom directly on any insured's behalf are per-
you may be legally responsible; or forming 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 ef-
fects of, "pollutants".
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 3 of 16 0
LOZLLO00Ja9003 `•oul `salliedoadOSIO9L10babed
paansulau}toloiluooao 'IleaoaalennaoIleaoaletoasn
aoMpolsno 'aaeoaqIuiMliadoidleuosaad (ti) aoaoueualulew `dlgsaauMoaqIaol „loeil
noMofpeueolMlaadOad (£) uoopaansul„ MueaapunpownsseMl!l!ge1-1 (17)
saslwaadesogltoIcedpaansulaqIaonoMof
MuetoInososue „abewepMlaadoid„ aqIpoueolaopaluaaaoMqpounnolousl ,olne,,
l! `uopuegeaoMenneGA115 `IlesnoMsaslwaad (Z) aqIpepinoad `IuawaounnonoMsaslwaad `ol
Mliadoids,aagloueofabewepaouosaadeIxousMennaqIuoao `uo „olne„ uebuNJud (£)
ofManfultouolluanaadbulpnloul `uoseaaMueabiegoeaolMledoid
aolMlaadoidgonstoeoueualuiewaouollaosuosaadAimofpasnbulaqION (q)
eaolsaa `Iuawaouequa `Iuawooeldaa `al8daapue 'l5uOIlaal93ueglssa-1 (e)
aol 'Ml!luaaouollezluebao `uosaadaagloMue
ao `noMMqpaaanouisesuadxeaoslsooMueS1leglunnoIOUopnoMlleaoaalennd (Z)
bulpnloul 'Mdn000ao `Iuaa `uMonoMMlaadoad (L) Iuawaounno
oI„abewepMlaadOad„ noMsaslwaaduoaaogseallgnnIleaoaalenny (L)
A>4a9d0adofeBewea ( olMiddejouscopuolsnloxasigl
esegll° paansulAnofpaueol
MueIsulebebulpualapaobulaapulqu1Ml!joglaopaluaaaoMqpaleaadoaopaunnos1legllleao
neIeluawuaanobMquoeluolloeao `aannodaalemao „olne„ `IleaoaieAwetosaaglooIIuaw
padinsn `uollnlonaa `uolllegej `uollowinsul (£)
Isnilueaoasn `eoueualuiew `dlgsaauMoaqI
ao 'sluabeaagloaoleuuosiedMael!I!w
panlonul ,ebewepMlaadoid„ ao „ManfulM11poq„
bulsnMluoglneaagloaoublaaanos `Iuaw
aqIpesneogolgnn „aouaaan000„ aqIl! `paansul
uaanobAweMq `{oellepaloadxaaolenloe
leglMqsaaglotobuiaolluowaobululeal `luew
weIsulBfebulpualapaobuuapulquluolloe
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bulpnlOul `aoaolMael!I!weMquo!loeai!IaeM (Z)
aagloaoeouabllbauabapepaansulMue1su18be
sw18loaqIl! uanasa11ddeuo!'s!gl
wennI!n10aopeAeloopunbuipnloui `aeM (L) buipeolunaobulpeoL, pue
loIno `MlloaalpulaoMllowilo `bulspe `pasneouolleaadosepnloulasn :paansulMueofpeueol
aanannog `„abewepMliedoid„ m „ManfulMI!po8„ aopaluaaaoMqpaleaadoaopeunnolleaoial
aeMi
ennao„olne„ `IleaoipaMuetosaagloofIuawlsnil
uoaoasn `oonwalulew `dlgsaaunnoaqIto
MI!n1l0ebullunlsAoInobuisue „abewepMlaadoad,, Ao „ManfulMlip°8.,
uoll!lowep `peads `bulowpabueaaeeidMue
aolpeAedaadbuiaqel!gmao `aolaolloeidu1leaoaaleMapo;nd `;eaoaid6
a11gnnao `u1 „luawdlnbaellgow„ toasnaqI (Z) Mluoglnepeluew
ao 'peinsulMueofpaueoluaanobetollegequoaoMq ,I!ns,, aow1810
aopaluaaaoMqpaleaadoaopeunno „olne„ uegonsao `IuawaalnbeiMaolelnbaaaoMaolnlels
Mq „Iuowdlnbaallgow„touoileliodsuegaqI (L) aoaapao `puewep `Isenbeigonstoeouasge
aglu1aneqpinoMpaansulaqIIeull „afewep
l° Mliadoid„ toasneoaqsafewepAolMl!llgell
Inobulsue „abewupMliedoid„ ao „ManfulM11po8„ ofMlddejouscopgdeabeaeds1gl `aanannO '
luawdlnbaelfgoW •qslueln11od„ `lo
IuawsloallaaqIbulssasseAo `olbulpuodsaa
dlnbaallgow„ touoll!u!lepaqIb° (£)•; MennMueu1ao `bu1z1lwineuAobulMllxol
ao (Z) gdeafeaedu! palsllluawdlnbaep `bulleaal 'fululeluoo `bulnowaa `dn
aoMaaulgoewaqItoMuetouollwadoaqI (q) buluealo `bupopow `Aolbullsoltoesneo
ao 'pabeaebMlledlouudaopesuooeqsafewepaolMluoglneIeluawwe
1Sil! ejegnnalelsaqIu1melaoueinsul
nofetollegaquoaoMq „llns„ aow181 (q)
elolganaolowaaglo .10nnelMl!l!q!suodsaiao '„sluelnllod„ `losloallaaqI
leloueullaoMaoslndwooeofloefgnsjoussesseao `olpuodsaiMennMueu! ao `ez1
ejemI!l! „luawdlnbaa11gow„ touoll!u!laplealnouaoMllxolep `Ieaal `ul8luoo `anow
aqIaapunMlllenbpinoMIeglololganpuelaa `dnueelo `aolluow 'aolIselsaagloao
e `loIcedao 'olpagoelles1IeglIuawpaansulMueleglluawaalnbeiMaolelnbei
dlnbeaoMaaulgoewtouolleaadoagl (e) aoMaolnlelsaoaapao `puewap `IsanbaH (e)
loInoMue
bulspe ,ebuwepMliedoid„ ao „ManfulM11po8„ (9) toInobulsueasuedxoaoIsoo `ssolMuy (Z)
5) That particular part of real property on This exclusion does not apply to the loss of use
which you or any contractors or subcontrac- of other property arising out of sudden and ac-
tors working directly or indirectly on your cidental physical injury to "your product" or
behalf are performing operations, if the your work" after it has been put to its intended
property damage" arises out of those op- use.
erations; or n. Recall Of Products,Work Or Impaired
6) That particular part of any property that Property
must be restored, repaired or replaced be- Damages claimed for any loss, cost or ex-
cause "your work" was incorrectly per- pense incurred by you or others for the loss of
formed on it. use, withdrawal, recall, inspection, repair, re-
Paragraphs (1), (3) and (4) of this exclusion do placement, adjustment, removal or disposal of:
not apply to "property damage" (other than 1) "Your product";
damage by fire) to premises, including the con-
tents of such premises, rented to you for a pe- 2) "Your work";or
riod of 7 or fewer consecutive days. A separate 3) "Impaired property";
limit of insurance applies to Damage To Prem-
if such product, work, or property is withdrawnisesRentedToYouasdescribedinSectionIII
or recalled from the market or from use by anyLimitsOfInsurance.
person or organization because of a known or
Paragraph (2) of this exclusion does not apply suspected defect, deficiency, inadequacy or
if the premises are "your work" and were never dangerous condition in it.
occupied, rented or held for rental by you.o. Personal And Advertising Injury
Paragraphs (3), (4), (5) and (6) of this exclu-
Bodily injury" arising out of "personal and ad-sion do not apply to liability assumed under a
sidetrack agreement. vertising injury".
Paragraph (6) of this exclusion does not apply p• Electronic Data
to "property damage" included in the "products- Damages arising out of the loss of, loss of use
completed operations hazard". of, damage to, corruption of, inability to access,
k. Damage To Your Product or inability to manipulate electronic data.
Property damage" to "your product" arising out
As used in this exclusion, electronic data
of it or any part of it.
means information,facts or programs stored as
or on, created or used on, or transmitted to or
I. Damage To Your Work from computer software, including systems and
Property damage"to "your work" arising out of applications software, hard or floppy disks, CD-
it or any part of it and included in the "products- ROMS, tapes, drives, cells, data processing
completed operations hazard". devices or any other media which are used
This exclusion does not apply if the damaged with electronically controlled equipment.
work or the work out of which the damage q. Distribution Of Material In Violation Of
arises was performed on your behalf by a sub- Statutes
contractor. Bodily injury" or "property damage" arising di-
m. Damage To Impaired Property Or Property rectly or indirectly out of any action or omission
Not Physically Injured that violates or is alleged to violate:
Property damage" to "impaired property" or 1) The Telephone Consumer Protection Act
property that has not been physically injured, TCPA), including any amendment of or
arising out of: addition to such law; or
1) A defect, deficiency, inadequacy or danger- 2) The CAN-SPAM Act of 2003, including any
ous condition in "your product" or "your amendment of or addition to such law; or
work"; or 3) Any statute, ordinance or regulation, other
2) A delay or failure by you or anyone acting than the TCPA or CAN-SPAM Act of 2003,
on your behalf to perform a contract or that prohibits or limits the sending, transmit-
agreement in accordance with its terms.ting, communicating or distribution of mate-
rial or information.
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 5 of 16 0
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ao 'saagjoaolsaI!s
qamtojualuoo6ulu!waajapaobuiu6!saa (Z) Ilslelsjltoa6pa
lMOU gjlMpaansuiaqjtouoljoaaipagIleao
6ullseoelalAqauopl! `leualewtouolleoggndualjumaoleao
ao6ulgsllgnd6u!Ispopeoaq6ulsllaanpy (L) toInobulsula „Anlui6ulsljmpepueleuosaad„
sissaulsnqasogmpaansu! upI;isled
Aqpell!wwoo .,Ajnfulbulsllaanpppueleuosaad„ O96palmou){ uLl/IApa4s!Igndlelaa;eWq
sessoulsn8AAnfui6ui
ad(l;auaa;ulpude!paWulspainsul ( sllaanpepupleuosaad„ jollluipinompupaagjo
uebolsaossaipapeil `Ig6uUPtoslg6uaqlalelolnpinomjoeaqjjegja6pa
Adooto `„Iuawasllaanpe„ anon( ui `juawa6uullmou aqjqj!mpainsuiaqjtouoilowipaqlIe
uiofAlddejousaopuo!snloxes!ql `aanamOHaoAqpasneo ,AAnful. buis11Janpepupleuosaad„
juawaay;ouy10s1461H10uol;e101A6uim0u)l •e
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Alaadoidlenjoapaluaagjoaojaaoasepeal `aewpouadAollod
apeal `jueled `IgbijAdootoluawebuialuiaqIaql6uunp ,Ajol!aaala6paano0„ aqjulpajj!wwoo
toInobulsup ,Ajnful6uls!Iaanpepueleuosaad,, semasualloaqjl! AluoInqssaulsnqanon( to
aaoaSapeala0MiewepealInobulsueasualloupAqpasneo ,Ajnfuibuis!l
ua;ed1;y6laAdo010luawabula;ul •iaanpepupleuosaad„ ofsalldduaoueansu! slgl •q
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s93lad10uol;dlaosea6uojM •y0a6eaan00aapunsasuadxeleo
Iuewasllaanpe„anon( u! apewaouewaol
pawJOaaodsa6eaano0aapunsluawall
aadaoAl!lenbtoluowelels (upql!mwaoluoo
jesaosluawbpnftojuawAedaqjuiaoue
oIsaolnaasaoslonpoad `spoo6toaan!!plaql
ensuitoj!w!lalgeo!lddpaqIdopesnaneq
toInobulsue ,Ajnrul6u!s11aanpppupleuosaad„
amuagmpuapualapofAjnppupjg6uin0 (Z)
sluawa;e;Sofwa0;u000lpup 'aoueansul10
d—spoo0;0aouewaoada0A3!lenp6sI!wl — IIIuo!joeSuipapupsepal!w!l
aanlles! sabewepaol (edll!maMjunoweaqj (L)
Iuaivasllaanpe„ Ing 'IlnsaaAewlegl„Ims„aowielo
anon( u! eap! 6ulsljaanpps,aagloueasnofjoeilAueallIespupasualloAupalebllsanul `uolj
uoopalldwiuejdaoxa `joealuootogopaaqeaaosipinole `AewaM -Alddpjousaopaoueins
tolno6ulsue ,Ajnfui6ulsljaanpppupleuosaad„ uislglgo!gmof ,Ajnfui6ulsllaanpepup1puos
13ealu0010yaeeja •; aad„ aolsabewep6ulaas ,I!ns,, AuuIsulebe
juaweaa6eaojoealuooaqjtoaouasgeaqjuipaansuiaqlpualapof /jnpouaneqIl!MaM
aneqpinompaansuiaqjleglsa6ewepaolAl!l!geaanaMOH -sa6ewepasogjbuiiaas ,I!ns,, Aup
IofAlddejousaopuolsnloxes!ql 'juawoeibuIsulebepaansuiaqjpualapofAjnppupjg6u
aojoealuooeu! Al!I!gp!Ipawnssesegpaansuiaqlaneqll!MaM -sayouddeaeansuislglgo!gM
aqjgolgmaol ,Ajnful6uls11aanpepupleuosaad„ of ,Ajn.lul6ulsllaanpppupleuosaad„ toasneoaq
sa6ewepseAedofpole6ygo (llebalsawoo
Aj!I!gerjlen;oea;uo0 •aaqpaansuiaqjleglswnsasogjAedll!maM •e
paansuiaqjtoluewaaa6dWinsul •L
uollowipaqjleaoAqpell!wwoolopleulwuoe
tolno6ulsue ,jn.lui6ulsljaanpppupleuosaad„AinsvllAbinml
s;Odleulwta0 °p
JaNISIlH9AabMdIVNOSa3d83Jda3A00
aoueansu!
pouadAollodaqjto10sl!w!l — IIIuoljoaSuipaquosapspa6eaanoo
6uluuibeqaqjaaolaqaould oojuo!lpo!lgndlsa!lslglofsa!lddeaoupinsultoj!w!lojeaedasy •aaumo
asogmleuajewjouoljeollgnduellumao1pioagltouolsslwiedql!mnog( Aqpaldn000Alupa
toIno6ulsue „ jn.lul6u!sllaanppPUPleuosaad„ odwajaonog( ofpalueAal!gmseslwaadofaa!lAq
polaadA0110d01a0!adpausllgndIBIJ918W •oabewepofAlddejouop •ugbnoagl •osuolsnlox3
3) An Internet search, access, content or 3) Insurrection, rebellion, revolution, usurped
service provider. power, or action taken by governmental au-
However, this exclusion does not apply to thority in hindering or defending against any
Paragraphs 14.a., b. and c. of "personal and of these.
advertising injury" under the Definitions Sec- p. Distribution Of Material In Violation Of
tion. Statutes
For the purposes of this exclusion, the placing Personal and advertising injury" arising di-
of frames, borders or links, or advertising, for rectly or indirectly out of any action or omission
you or others anywhere on the Internet, is not that violates or is alleged to violate:
by itself, considered the business of advertis- 1) The Telephone Consumer Protection Act
ing, broadcasting, publishing or telecasting.TCPA), including any amendment of or
k. Electronic Chatrooms Or Bulletin Boards addition to such law; or
Personal and advertising injury" arising out of 2) The CAN-SPAM Act of 2003, including any
an electronic chatroom or bulletin board the in- amendment of or addition to such law;or
sured hosts, owns, or over which the insured
3) Any statute, ordinance or regulation, other
exercises control. than the TCPA or CAN-SPAM Act of 2003,
I. Unauthorized Use Of Another's Name Or that prohibits or limits the sending, transmit-
Product ting, communicating or distribution of mate-
Personal and advertising injury" arising out of rial or information.
the unauthorized use of another's name or COVERAGE C MEDICAL PAYMENTS
product in your e-mail address, domain name 1. Insuring Agreement
or metatag, or any other similar tactics to mis-
lead another's potential customers. a. We will pay medical expenses as described
m. Pollution below for"bodily injury"caused by an accident:
Personal and advertising injury" arising out of
1) On premises you own or rent;
the actual, alleged or threatened discharge, 2) On ways next to premises you own or rent;
dispersal, seepage, migration, release or es- or
cape of"pollutants" at any time. 3) Because of your operations;
n. Pollution-Related provided that:
Any loss, cost or expense arising out of any: a) The accident takes place in the "cover-
1) Request, demand, order or statutory or age territory" and during the policy pe-
regulatory requirement that any insured or riod;
others test for, monitor, clean up, remove, b) The expenses are incurred and reported
contain, treat, detoxify or neutralize, or in to us within one year of the date of the
any way respond to, or assess the effects accident; and
of, "pollutants"; or
c) The injured person submits to examina-
2) Claim or suit by or on behalf of a govern- tion, at our expense, by physicians of
mental authority for damages because of our choice as often as we reasonably
testing for, monitoring, cleaning up, remov- require.
ing, containing, treating, detoxifying or neu- b. We will make these payments regardless of
tralizing, or in any way responding to, or fault. These payments will not exceed the ap-assessing the effects of, "pollutants".plicable limit of insurance. We will pay reason-
o. War able expenses for:
Personal and advertising injury", however 1) First aid administered at the time of an
caused, arising, directly or indirectly, out of:accident;
1) War, including undeclared or civil war; 2) Necessary medical, surgical, x-ray and
2) Warlike action by a military force, including dental services, including prosthetic de-
action in hindering or defending against an vices; and
actual or expected attack, by any govern- 3) Necessary ambulance, hospital, profes-
ment, sovereign or other authority using sional nursing and funeral services.
military personnel or other agents; or
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 7 of 16 0
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b) Conduct and control the defense of the 2. Each of the following is also an insured:
indemnitee in such "suit".
a. Your "volunteer workers" only while performing
So long as the above conditions are met, attor- duties related to the conduct of your business,
neys' fees incurred by us in the defense of that in- or your "employees", other than either your
demnitee, necessary litigation expenses incurred executive officers" (if you are an organization
by us and necessary litigation expenses incurred other than a partnership,joint venture or limited
by the indemnitee at our request will be paid as liability company) or your managers (if you are
Supplementary Payments. Notwithstanding the a limited liability company), but only for acts
provisions of Paragraph 2.b.(2) of Section I —Cov- within the scope of their employment by you or
erage A — Bodily Injury And Property Damage Li- while performing duties related to the conduct
ability, such payments will not be deemed to be of your business. However, none of these "em-
damages for "bodily injury" and "property damage" ployees" or "volunteer workers" are insureds
and will not reduce the limits of insurance. for:
Our obligation to defend an insured's indemnitee 1) "Bodily injury" or "personal and advertising
and to pay for attorneys' fees and necessary litiga- injury":
tion expenses as Supplementary Payments ends a) To you, to your partners or members (if
when we have used up the applicable limit of in- you are a partnership or joint venture),surance in the payment of judgments or settle- to your members (if you are a limited li-ments or the conditions set forth above, or the
ability company), to a co-"employee"
terms of the agreement described in Paragraph f. while in the course of his or her em-
above, are no longer met.
ployment or performing duties related to
SECTION II—WHO IS AN INSURED the conduct of your business, or to your
1. If you are designated in the Declarations as: other "volunteer workers" while perform-
ing duties related to the conduct of your
a. An individual, you and your spouse are insur- business;
eds, but only with respect to the conduct of a
b To the spouse, child, parent, brother orbusinessofwhichyouarethesoleowner.p
sister of that co-"employee" or "volun-
b. A partnership or joint venture, you are an in- teer worker" as a consequence of Para-
sured. Your members, your partners, and their graph (1)(a) above;
spouses are also insureds, but only with re-
spect to the conduct of your business. c) For which there is any obligation to
company,
share damages with or repay someone
c. A limited liability p y, you are an insured. else who must pay damages because of
Your members are also insureds, but only with the injury described in Paragraphs (1)(a)
respect to the conduct of your business. Your or(b)above;or
managers are insureds, but only with respect
to their duties as your managers. d) Arising out of his or her providing or
d. An organization other than a partnership, joint
failing
v
provide professional health
care services.
venture or limited liability company, you are an
insured. Your "executive officers" and directors 2) "Property damage"to property:
are insureds, but only with respect to their du- a) Owned, occupied or used by,
ties as your officers or directors. Your stock-
b) Rented to, in the care, custody or con-holders are also insureds, but only with respect trol of, or over which physical control is
to their liability as stockholders.being exercised for any purpose by
e. A trust, you are an insured. Your trustees are
you, any of your "employees", "volunteer
also insureds, but only with respect to their du- workers", any partner or member (if you are
ties as trustees. a partnership or joint venture), or any mem-
ber(if you are a limited liability company).
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 9 of 16 0
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3) The nature and location of any injury or 4. Other Insurance
damage arising out of the "occurrence" or If other valid and collectible insurance is available
offense.
to the insured for a loss we cover under Cover-
b. If a claim is made or "suit" is brought against ages A or B of this Coverage Part, our obligations
any insured, you must:are limited as follows:
1) Immediately record the specifics of the a. Primary Insurance
claim or"suit" and the date received; and This insurance is primary except when Para-
2) Notify us as soon as practicable. graph b. below applies. If this insurance is pri-
You must see to it that we receive written no- mary, our obligations are not affected unless
tice of the claim or "suit" as soon as practica- any of the other insurance is also primary.
ble. Then, we will share with all that other insur-
ance by the method described in Paragraph c.c. You and any other involved insured must: below.
1) Immediately send us copies of any de- b. Excess Insurance
mands, notices, summonses or legal pa
pers received in connection with the claim 1) This insurance is excess over:
or"suit"; a) Any of the other insurance, whether
2) Authorize us to obtain records and other primary, excess, contingent or on any
information; other basis:
3) Cooperate with us in the investigation or I) That is Fire, Extended Coverage,
settlement of the claim or defense against Builder's Risk, Installation Risk or
the "suit"; and similar coverage for"your work";
4) Assist us, upon our request, in the en- ii) That is Fire insurance for premises
forcement of any right against any person rented to you or temporarily occu-
or organization which may be liable to the pied by you with permission of the
insured because of injury or damage to owner;
which this insurance may also apply. iii) That is insurance purchased by you
d. No insured will, except at that insured's own to cover your liability as a tenant for
cost, voluntarily make a payment, assume any property damage" to premises
obligation, or incur any expense, other than for rented to you or temporarily occu-
first aid, without our consent. pied by you with permission of the
3. Legal Action Against Us
owner; or
iv) If the loss arises out of the mainte-
No person or organization has a right under this Hance or use of aircraft, "autos' or
Coverage Part: watercraft to the extent not subject to
a. To join us as a party or otherwise bring us into Exclusion g. of Section I — Coverage
a"suit" asking for damages from an insured; or A — Bodily Injury And Property Dam-
b. To sue us on this Coverage Part unless all of age Liability.
its terms have been fully complied with. b) Any other primary insurance available to
A person or organization may sue us to recover on you covering liability for damages aris-
an agreed settlement or on a final judgment ing out of the premises or operations, or
against an insured; but we will not be liable for the products and completed operations,
damages that are not payable under the terms of for which you have been added as an
this Coverage Part or that are in excess of the ap- additional insured by attachment of an
plicable limit of insurance. An agreed settlement endorsement.
means a settlement and release of liability signed 2) When this insurance is excess, we will have
by us, the insured and the claimant or the claim- no duty under Coverages A or B to defend
ant's legal representative. the insured against any "suit" if any other
insurer has a duty to defend the insured
against that "suit". If no other insurer de-
fends, we will undertake to do so, but we
will be entitled to the insured's rights
against all those other insurers.
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 11 of 16 0
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3. "Bodily injury" means bodily injury, sickness or 9. "Insured contract" means:
disease sustained by a person, including death re- a. A contract for a lease of premises. However,sulting from any of these at any time. that portion of the contract for a lease of prem-
4. "Coverage territory" means: ises that indemnifies any person or organiza-
a. The United States of America (including its tion for damage by fire to premises while
territories and possessions), Puerto Rico and rented to you or temporarily occupied by you
Canada; with permission of the owner is not an "insured
b. International waters or airspace, but only if the
contract";
injury or damage occurs in the course of travel b. A sidetrack agreement;
or transportation between any places included c. Any easement or license agreement, except in
in Paragraph a. above; or connection with construction or demolition op-
c. All other parts of the world if the injury or dam- erations on or within 50 feet of a railroad;
age arises out of: d. An obligation, as required by ordinance, to
1) Goods or products made or sold by you in indemnify a municipality, except in connection
the territory described in Paragraph a. with work for a municipality;
above;e. An elevator maintenance agreement;
2) The activities of a person whose home is in f. That part of any other contract or agreement
the territory described in Paragraph a. pertaining to your business (including an in-
above, but is away for a short time on your demnification of a municipality in connection
business; or with work performed for a municipality) under
3) "Personal and advertising injury" offenses which you assume the tort liability of another
that take place through the Internet or simi- party to pay for"bodily injury" or "property dam-
lar electronic means of communication age" to a third person or organization. Tort li-
ability means a liability that would be imposedprovidedtheinsured's responsibility to pay dam- by law in the absence of any contract oragesisdeterminedina "suit" on the merits, in the agreement.
territory described in Paragraph a. above or in a
settlement we agree to.Paragraph f. does not include that part of any
contract or agreement:
5. "Employee" includes a "leased worker". "Em
1) That indemnifies a railroad for"bodily injury"ployee" does not include a"temporary worker".
or "property damage" arising out of con-6. "Executive officer" means a person holding any of struction or demolition operations, within 50
the officer positions created by your charter, con- feet of any railroad property and affectingstitution, by-laws or any other similar governing any railroad bridge or trestle, tracks, road-
document.
beds, tunnel, underpass or crossing;
7. "Hostile fire" means one which becomes uncon- 2) That indemnifies an architect, engineer or
trollable or breaks out from where it was intended surveyor for injury or damage arising out of:to be.
a) Preparing, approving, or failing to pre-8. "Impaired property" means tangible property, other pare or approve, maps, shop drawings,than "your product" or "your work", that cannot be opinions, reports, surveys, field orders,
used or is less useful because: change orders or drawings and specifi-
a. It incorporates "your product" or "your work" cations; or
that is known or thought to be defective, defi- b) Giving directions or instructions, or
cient, inadequate or dangerous; or failing to give them, if that is the primary
b. You have failed to fulfill the terms of a contract cause of the injury or damage; or
or agreement; 3) Under which the insured, if an architect,
if such property can be restored to use by the re- engineer or surveyor, assumes liability for
pair, replacement, adjustment or removal of "your an injury or damage arising out of the in-
product" or "your work" or your fulfilling the terms sured's rendering or failure to render pro-
of the contract or agreement. fessional services, including those listed in
2) above and supervisory, inspection, ar-
chitectural or engineering activities.
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 13 of 16 0
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aolAl!aew!adpau6!sepjuawdinbg (L) jo !aonnAaeaodwaI„ eapnlou!jousaop„aajonn
solne„ paaap!suoopaseag„ •ssauisnqanon( jojonpuooeqlo} p01721aa
aqlimnInq ,Iuewdinbaal!gow„ jouaaejuawsa!}npwaopedo} `wa!j6u!sealaogeleqjpupnog(
d!nbapagoe}le ll*ueupwaadjosadAjbu!nnoluaannlaqluawaaa6eupaapunwailbuisealaogele
101aqlql!Msaloiganpalladoid-Ilas `aanannoHAqnog( ofpasealuosaadesueaw ,jajompaspa-l,.•OL
15."Pollutants" mean any solid, liquid, gaseous or b. Loss of use of tangible property that is not
thermal irritant or contaminant, including smoke, physically injured. All such loss of use shall be
vapor, soot, fumes, acids, alkalis, chemicals and deemed to occur at the time of the "occur-
waste. Waste includes materials to be recycled, rence"that caused it.
reconditioned or reclaimed. For the purposes of this insurance, electronic data
16."Products-completed operations hazard": is not tangible property.
a. Includes all "bodily injury" and "property dam- As used in this definition, electronic data means
age" occurring away from premises you own or information, facts or programs stored as or on,
rent and arising out of "your product" or "your created or used on, or transmitted to or from com-
work"except: puter software, including systems and applications
1) Products that are still in your physical pos- software, hard or floppy disks, CD-ROMS, tapes,
session; or drives, cells, data processing devices or any other
media which are used with electronically controlled2) Work that has not yet been completed or equipment.
abandoned. However, "your work" will be
18 "Suit" means a civil proceedingin which damagesdeemedcompletedattheearliestofthefol
because of a civil
injury", "property damage" oslowingtimes: Y
personal and advertising injury" to which this in-a) When all of the work called for in your surance applies are alleged. "Suit" includes:
contract has been completed.
a. An arbitration proceeding in which such dam-b) When all of the work to be done at the ages are claimed and to which the insured
job site has been completed if your con- must submit or does submit with our consent;
tract calls for work at more than one job or
site.
b. Any other alternative dispute resolution pro-
c) When that part of the work done at a job ceeding in which such damages are claimed
site has been put to its intended use by and to which the insured submits with our con-
any person or organization other than sent.
another contractor or subcontractor
working on the same project. 19."Temporary worker" means a person who is fur-
nished to you to substitute for a permanent "em-
Work that may need service, maintenance, ployee" on leave or to meet seasonal or short-term
correction, repair or replacement, but which workload conditions.
is otherwise complete, will be treated as
completed. 20."Volunteer worker" means a person who is not
your "employee", and who donates his or her work
b. Does not include "bodily injury" or "property and acts at the direction of and within the scope of
damage" arising out of:duties determined by you, and is not paid a fee,
1) The transportation of property, unless the salary or other compensation by you or anyone
injury or damage arises out of a condition in else for their work performed for you.
or on a vehicle not owned or operated by 21."Your product":
you, and that condition was created by the
loading or unloading" of that vehicle by any a. Means:
insured; 1) Any goods or products, other than real
2) The existence of tools, uninstalled equip- property, manufactured, sold, handled, dis-
ment or abandoned or unused materials; or tributed or disposed of by:
3) Products or operations for which the classi- a) You;
fication, listed in the Declarations or in a b) Others trading under your name; or
policy schedule, states that products-
c) A person or organization whose busi-
completed operations are subject to the ness or assets you have acquired; and
General Aggregate Limit.
2) Containers (other than vehicles), materials,
17."Property damage" means:parts or equipment furnished in connection
a. Physical injury to tangible property, including with such goods or products.
all resulting loss of use of that property. All b. Includes:
such loss of use shall be deemed to occur at
the time of the physical injury that caused it; or 1) Warranties or representations made at any
time with respect to the fitness, quality, du-
rability, performance or use of "your prod-
uct"; and
CG 00 01 12 07 ISO Properties, Inc., 2006 Page 15 of 16 0
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P
HISCOX
GET THE RIGHT INSURANCE,RIGHT NOW
Endorsements
uoissiwiadsl!ql!m'roup'ooi}4pseouuagaoueinsul}oleualewpalybia(doosapnjoul
G10abedM/£0)Mo [Oti93X00
aaaoMAaaaodwaj„
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5uoiIluiIaa `SNOIIINId30 — Auo439Sul
ld`dd3DVHDA00Ail-118d1-IIb'd3NA9ld10H3AA00
buimollo}ayjaapunpapinoadaoueansulsallipowjuawasiopuasial
33AO-ldW3 =10NOIIINl:A3a
Aiinnbiv311aV383S`d31d 'AOIIOd3HlS3JMdHO1N3W3S8OON3SIHI
860Z `8Zaagolo0 :anljoajj3luawasaopu3
b :aagwnNluawasaopu3
I(Rjole '330MI9paansulpawaN
86-1J0-68LE6E6-0aflaagwnNAo!lod
ouiAuedwooeoueansuiX03SIHXOOSIH
ji
HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 2
Endorsement Effective: October 28, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
MODIFIED WAIVER OF TRANSFER OF RIGHTS OF
RECOVERY AGAINST OTHERS TO US
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
The following is added to Paragraph 8. Transfer Of
Rights Of Recovery Against Others To Us of
Section IV—Conditions:
You may waive your rights against another party so
long as you do so in writing prior to: (i) an offense
arising out of your business that caused a "personal
and advertising injury"; or (ii) an "occurrence" that
caused "bodily injury"or"property damage".
CGL E5402 CW(03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc.,with its permission.
uoissiwaadsaiUi!mout'aogosaoiAjageouejnsul}oleualewpa;y6u(doosapnjoul
40labedWPM)MOE0493ISO
3lna3HOs
anogeayluipa;sllssaippeayj }esn01paplA
oidaq (legsloilodslutAqpaimbaiuoljeollljouAuy
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IONOOAIIIISVlllVH3N3Jl` l3H3WWOO
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6ulnnolloleqjjapunpaplAoadaoueansulsaippowjuawasiopuesiyl
NOIldWHO=INI30I10N
Alin=13LIda11a`d3a3SV31d 'A0110d3H1S3JMdHO1N31USHOON3SIH1
96OZ '8Zaago}o0 :aAl}OaII3IuawasJopu3
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IoHois '3Dom:j8paansulpaweN
86-1JO-8LE6E6-OafljagwnNAOilod
3ulAuedwoo93ueansulX03SIHXODSI11
40
HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 4
Endorsement Effective: October 28, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EXCLUSION - PERSONAL INFORMATION
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
Paragraph 2. Exclusions under Section I — COV-
ERAGE A — BODILY INJURY AND PROPERTY
DAMAGE LIABILITY, COVERAGE B— PERSONAL
AND ADVERTISING INJURY LIABILITY, and
COVERAGE C — MEDICAL PAYMENTS is
amended to include the following exclusion:
Personal Information
Bodily injury", "property damage" or "personal and
advertising injury" caused by the insured's failure to
protect any non-public, personally identifiable infor-
mation in the insured's care, custody or control.
CGL E5404 CW(03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc.,with its permission.
uoissiwjads1!giinn''out 'aoi4oseoinuageoueinsuljoleuaiewpajgbu(doosapnpul
G}oGabed0l/E0)MO901793X90
palalepslAllllge13a6euweaApadoadpud
AinfulAllpog—y96eaan00—Iu01138Stosuols
nl3x3 `•ZgduibeJedjo (laadoadofa6euaea ` f
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b) pup (£) `(L) sydeAOeaed„) uolldeoxelsJllaql •8
palalepsl ,noAofpaluaHsaslweJdpalalepslApIpe1396oweaAliedoad
ofa6ewea„ ofsuolleJeloa[] aglulaouaJalaJAuyapudAinfulAIIpos—de6ea8no0—Iu0113aSJap
palalopslaoueunsuolsnlox3 `•ZgdeJbuiedto („ - - - Alddelou
insuljos}fwll — IIIuolloeSto •ggdeJbeJed •0op •ugbnoJgl •osuolsnlox3„) ydeJ6eJedlSelaql •y
ooueplsaJAJewlJds,paJnsulupslleglsaslwaideofloadsaJql!M
iHVd3!DVH3AOOAil-118`dllIVHDN30WOS3WW00
bulMollolaqlJapunpapinoJdeoueinsulsalllpowluawasJopuaslgl
30N3alS3HAHVINIadOl3!Dvwva - NoisnIOX3
A-nn-A3blV311ad383Sd3ld 'A3II0d3H1S3JNVHO1N3MSEMN3SIHl
gl,pZ `9ZJagolo0 :anlloall3luawasJopua
9 :JagwnNluawasJopua
imi018 '33iom8paJnsulpaweN
96-190-68L£6Cf-0anJagwnNAollod
oulAuedwoOaoueansulxooslHRODSIH
HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 6
Endorsement Effective: October 28, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EXCLUSION - PROFESSIONAL SERVICES
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
Paragraph 2. Exclusions under Section I— This exclusion applies even if the claims allege neg-
COVERAGE A — BODILY INJURY AND PROPER- ligence or other wrongdoing in the supervision, hir-
TY DAMAGE LIABILITY, and COVERAGE B — ing, employment, training or monitoring of others by
PERSONAL AND ADVERTISING INJURY an insured, if the "occurrence" which caused the
LIABILITY, is amended to include the following bodily injury" or "property damage", or the offense
exclusion: which caused the "personal and advertising injury",
involved the rendering or failure to render any pro-
Professional Services
fessional service.
Bodily injury", "property damage" or "personal and
advertising injury" caused by the rendering or failure
to render any professional service.
CGL E5407 CW(03/10) Page 1 of 1
Includes copyrighted material of Insurance Services Office, Inc.,with its permission.
uoissuiedsl!gum"oul 'eoij4osoolmeSeoue.msultopeualewpelybu(doosepnjoul
GtoiabedOl/EO)MO80bS3TDO
suoi}eaepaaaqjul
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pewaapaqpegsuoijelIaoueo10alepan1100110aqJ
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aadAuepnjuluanlaa11egsamuagl ',,AjnfulAllpoq„
pasneojegjjuaplooeue00ao ',,Ainfulbulsl1Janpe
pueleuosaad„ epasneolegjssoulsnqanon( jo1no
buislaeasualloue (p) '„a6ewepAliadoid„ ao ,Ainf
ulAllpoq„ pasneopegj ,aouaaan000,, ue (l) :uaaq
bumuqaaagljnogjinnsuoljeaeloaaaqlulunnogs
polaadAoliodeqj }ouoildaoulaqljosAepj7I- uigllM
slaoueopaansulpaweNlsJ4aqlP `fuuJluooOW
01uolsinoiduoijelleoueoaagjoAueao „SNOLLIdNOO
AOIIOdNOWWOO„ aqlulbulglAue6ulpuelsq}lnnloN
uoillpuoobuinnopolaq}of}oafgnsweAogodslg3uipapnIoulsueda6eaan00py
IHVdDOVHJIAOOAil-119VIgWHINDOd113WW00
bulMopoleqjaapunpapinoadaoueansuisalllpowjuawasiopueslgl
aNn=1311 -I-ln3Adatip)
NOISInOUdNOIIVI130NVO
k-rin3adO11ad3a3S`d31d 'AOIIOd3HlS3JMdHO1N3W3SHOaN3SIHI
9I,pZ 'gZaago}o0:ani}oajJ3Juawasaopud
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IMJ018 '33iomj8paansulpaweN
9I,--I9O-68LE6E6-:DaflaagwnNAollod
3ulAuedwoO93ueansuiX03SIHXO0SIH
i
HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 8
Endorsement Effective: October 28, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
RIGHT AND DUTY TO SELECT DEFENSE COUNSEL
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
In regard to any covered "suit" seeking damages
under Section I — COVERAGE A — BODILY IN-
JURY AND PROPERTY DAMAGE LIABILITY or
COVERAGE B — PERSONAL AND ADVERTISING
INJURY LIABILITY, our right and duty to defend
shall include the right to select defense counsel.
CGL E5409 CW(03/10) Page 1 of 1
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d4
A
HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 10
Endorsement Effective: October 28, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ELECTRONIC DATA LIABILITY
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
Schedule
Loss Of Electronic Data Limit: J$ 25,000
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
A. Exclusion 2.p. of Coverage A— Bodily Injury And D. For the purposes of the coverage provided by this
Property Damage Liability in Section I — Cove- endorsement, the definition of "Property Damage"
rages is replaced by the following: in the Definitions Section is replaced by the fol-
2. Exclusions lowing:
This insurance does not apply to: 17. "Property damage" means:
p. Electronic Data a. Physical injury to tangible property, includ-
ing all resulting loss of use of that property.Damages arising out of the loss of, loss of All such loss of use shall be deemed to oc-
use of, damage to, corruption of, inability to cur at the time of the physical injury that
access, or inability to manipulate "electronic caused it;
data" that does not result from physical in-
jury to tangible property. b. Loss of use of tangible property that is not
physically injured. All such loss of use shall
B. The following paragraph is added to Section III — be deemed to occur at the time of the "oc-
Limits Of Insurance: currence"that caused it; or
Subject to 5. above, the Loss of Electronic Data c. Loss of, loss of use of, damage to, corrup-Limit shown in the Schedule above is the most we tion of, inability to access, or inability towillpayunderCoverageAfor "property damage" properly manipulate "electronic data", result-
because of all loss of "electronic data" arising out ing from physical injury to tangible property.
of any one'occurrence". All such loss of "electronic data" shall be
C. The following definition is added to the Definitions deemed to occur at the time of the "occur-
Section: rence"that caused it.
Electronic data" means information, facts or pro- For the purposes of this insurance, "electronic
grams stored as or on, created or used on, or data" is not tangible property.
transmitted to or from computer software (includ-
ing 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.
CG 04 37 12 04 ISO Properties, Inc., 2003 Page 1 of 1
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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.
Page 2 of 2 Copyright, Insurance Services Office, Inc., 1982, 1983 IL 00 17 11 98
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Hazardous properties" includes radioactive, toxic c) Any equipment or device used for the
or explosive properties.
processing, fabricating or alloying of "spe-
Nuclear material" means "source material", "spe- cial nuclear material" if at any time the total
cial nuclear material"or"by-product material". amount of such material in the custody of
Source material", "special nuclear material", and the "insured" at the premises where such
by-product material" have the meanings given equipment or device is located consists of
them in the Atomic Energy Act of 1954 or in any or contains more than 25 grams of pluto-
law amendatory thereof. nium or uranium 233 or any combination
thereof, or more than 250 grams of uranium
Spent fuel" means any fuel element or fuel com- 235;
ponent, solid or liquid, which has been used or ex-
posed to radiation in a "nuclear reactor". d) Any structure, basin, excavation, premises
or place prepared or used for the storage or
Waste" means any waste material (a) containing disposal of"waste";
by-product material" other than the tailings or
wastes produced by the extraction or Concentra- and includes the site on which any of the foregoing
tion of uranium or thorium from any ore processed is located, all operations conducted on such site
primarily for its "source material' content, and (b) and all premises used for such operations.
resulting from the operation by any person or or- Nuclear reactor" means any apparatus designed
ganization of any "nuclear facility" included under or used to sustain nuclear fission in a self-
the first two paragraphs of the definition of "nuc- supporting chain reaction or to contain a critical
lear facility". mass of fissionable material.
Nuclear facility" means: Property damage" includes all forms of radioac-
a) Any"nuclear reactor"; tive contamination of property.
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";
Page 2 of 2 ISO Properties, Inc., 2007 IL 00 21 09 08
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HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 14
Endorsement Effective: October 28, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
EXCLUSION - INTERCOMPANY PRODUCTS SUITS
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
This insurance does not apply to any claim for dam-
ages by any Named Insured against another Named
Insured because of "bodily injury" or "property dam-
age" arising out of "your products" and included
within the "products-completed operations hazard."
CG 21 41 11 85 Copyright, Insurance Services Office, Inc., 1984 Page 1 of 1
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40
HI SCQX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 16
Endorsement Effective: October 28, 2018
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CALIFORNIA CHANGES - CANCELLATION
AND NONRENEWAL
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Paragraphs 2. and 3. of the Cancellation Com- 3. All Policies In Effect For More Than 60 Days
mon Policy Condition are replaced by the follow- a. If this policy has been in effect for moreing: than 60 days, or is a renewal of a policy we
2. All Policies In Effect For 60 Days Or Less issued, we may cancel this policy only upon
If this policy has been in effect for 60 days or the occurrence, after the effective date of
less, and is not a renewal of a policy we have the policy, of one or more of the following:
previously issued, we may cancel this policy by 1) Nonpayment of premium, including
mailing or delivering to the first Named Insured payment due on a prior policy we issued
at the mailing address shown in the policy and and due during the current policy term
to the producer of record, advance written no- covering the same risks.
tice of cancellation, stating the reason for can- 2) Discovery of fraud or material misrepre-cellation, at least: sentation by:
a. 10 days before the effective date of cancel- a) Any insured or his or her representa-lation if we cancel for:
tive in obtaining this insurance;or
1) Nonpayment of premium; or b) You or your representative in pur-
2) Discovery of fraud by: suing a claim under this policy.
a) Any insured or his or her representa- 3) A judgment by a court or an administra-
tive in obtaining this insurance; or tive tribunal that you have violated a
b) You or your representative in pur- California or Federal law, having as one
suing a claim under this policy. of its necessary elements an act which
materially increases any of the risks in-b. 30 days before the effective date of cancel- sured against.
lation if we cancel for any other reason.
IL 02 70 09 08 ISO Properties, Inc., 2007 Page 1 of 4
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C. The following is added and supersedes any provi- 2) The Commissioner of Insurance finds
sions to the contrary: that the exposure to potential losses will
NONRENEWAL threaten our solvency or place us in a
hazardous condition. A hazardous con-
1. Subject to the provisions of Paragraphs C.2. dition includes, but is not limited to, a
and C.3. below, if we elect not to renew this condition in which we make claims
policy, we will mail or deliver written notice stat- payments for losses resulting from an
ing the reason for nonrenewal to the first earthquake that occurred within the pre-
Named Insured shown in the Declarations and ceding two years and that required a re-
to the producer of record, at least 60 days, but duction in policyholder surplus of at
not more than 120 days, before the expiration least 25% for payment of those claims;
or anniversary date.or
We will mail or deliver our notice to the first 3) We have:
Named Insured, and to the producer of record,
a) Lost or experienced a substantialatthemailingaddressshowninthepolicy.
reduction in the availability or scope
2. Residential Property of reinsurance coverage; or
This provision applies to coverage on real b) Experienced a substantial increase
property used predominantly for residential in the premium charged for reinsur-
purposes and consisting of not more than four ance coverage of our residential
dwelling units, and to coverage on tenants' property insurance policies; and
household property contained in a residential
unit, if such coverage is written under one of the Commissioner has approved a plan
the following:for the nonrenewals that is fair and
equitable, and that is responsive to the
Capital Assets Program (Output Policy) Cover- changes in our reinsurance position.
age Part
c. We will not refuse to renew such coverageCommercialPropertyCoveragePartsolelybecausethefirstNamedInsuredhas
Farm Coverage Part — Farm Property — Farm cancelled or did not renew a policy, issued
Dwellings, Appurtenant Structures And House- by the California Earthquake Authority that
hold Personal Property Coverage Form included an earthquake policy premium
a. We may elect not to renew such coverage surcharge.
for any reason, except as provided in b., c. d. We will not refuse to renew such coverage
and d. below:solely because corrosive soil conditions ex-
b. We will not refuse to renew such coverage ist on the premises. This Restriction (d.)
solely because the first Named Insured has applies only if coverage is subject to one of
accepted an offer of earthquake coverage. the following, which exclude loss or dam-
However, the following applies only to in- age caused by or resulting from corrosive
surers who are associate participating in-
soil conditions:
surers as established by Cal. Ins. Code 1) Capital Assets Program Coverage Form
Section 10089.16. We may elect not to re- Output Policy);
new such coverage after the first Named 2) Commercial Property Coverage Part —
Insured has accepted an offer of earth- Causes Of Loss—Special Form; or
quake coverage, if one or more of the fol-
lowing reasons applies: 3) Farm Coverage Part — Causes Of Loss
Form — Farm Property, Paragraph D.
1) The nonrenewal is based on sound Covered Causes Of Loss—Special.
underwriting principles that relate to the
coverages provided by this policy and 3. We are not required to send notice of nonre-
that are consistent with the approved newal in the following situations:
rating plan and related documents filed a. If the transfer or renewal of a policy, without
with the Department of Insurance as re- any changes in terms, conditions, or rates,
quired by existing law; is between us and a member of our insur-
ance group.
IL 02 70 09 08 ISO Properties, Inc., 2007 Page 3 of 4
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AM
HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18 `
Named Insured: BRUCE E. BIORDI
Endorsement Numb 17
Endorsement Effective-October H,29-1-8
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED - DESIGNATED
PERSON OR ORGANIZATION
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Name Of Additional Insured Persons Or Organization(s)
v-City of Cupertino, its City Council, boards and commissions, officers, employees and volunteers whil
10300 Torre Ave
Cupertino,CA 95014
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 in-
clude as an additional insured the person(s) or organi-
zation(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 omis-
sions of those acting on your behalf:
A. In the performance of your ongoing operations; or
B. In connection with your premises owned by or
rented to you.
CG 20 26 07 04 ISO Properties, Inc., 2004 Page 1 of 1
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HI SCOX Hiscox Insurance Company Inc.
Policy Number: UDC-1393781-CGL-18
Named Insured: BRUCE E. BIORDI
Endorsement Number: 19
Endorsement Effective: October 28,2018
THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN
RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK
INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR
CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY.
DISCLOSURE PURSUANT TO TERRORISM RISK
INSURANCE ACT
SCHEDULE
SCHEDULE—PART I
Terrorism Premium (Certified Acts) $ 4.00
This premium is the total Certified Acts premium attributable to the following Coverage Part(s), Cover-
age Form(s)and/or Policy(ies):
Additional information, if any, concerning the terrorism premium:
SCHEDULE—PART II
Federal share of terrorism losses 85%year 2015; 84%year 2016; 83%year 2017; 82%year 2018; 81%
year 2019 and 80%year 2020.
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
A. Disclosure Of Premium
In accordance with the federal Terrorism Risk In-
surance Act, we are required to provide you with a
notice disclosing the portion of your premium, if
any, attributable to coverage for terrorist acts certi-
fied under the Terrorism Risk Insurance Act. The
portion of your premium attributable to such cov-
erage is shown in the Schedule of this endorse-
ment or in the policy Declarations.
IL 09 85 01 15 Insurance Services Office, Inc., 2015 Page 1 of 2
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GET THE RIGHT INSURANCE,RIGHT NOW
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Hiscox Insurance Company Inc. - Company Profile - Best's Credit Rating Center Page 1 of 5
Hiscox Insurance Company Inc.
A.M. Best#: 003030 NAIC#: 10200 FEIN #: 986000550
Domiciliary Address
FinanciWl+Shwgth Rating104SouthMichiganAvenue
Suite 600 A-1113'E
Chicago, IL 60603 A EmAlant
United States Assigned to insurance
companies that have, in our
Web: www.hiscox.com opinion, an excellent ability
Phone: 312-380-5555 to meet their ongoing
Fax: 312-228-8077 insurance obligations.
View additional news,
reports and products for
this company.
Based on A.M. Best's analysis, 051951 - Hiscox Ltd is the AMB Ultimate Parent and identifies the
topmost entity of the corporate structure. View a list of operating insurance entities in this structure.
Best's Credit Ratings
Financial Strength Rating View Definition
Rating: A (Excellent)
Affiliation Code: g (Group)
Financial Size Category: XV ($2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: March 14, 2019
Initial Rating Date: June 30, 1958
Long-Term Issuer Credit Rating View Definition
http://ratings.ambest.com/CompanyProfile.aspx?ambnum=3 03 0&URatingld=2928293&bl... 3/22/2019
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Hiscox Insurance Company Inc. - Company Profile - Best's Credit Rating Center Page 3 of 5
12/10/2015 A
10/23/2014 A
Long-Term Issuer Credit Rating
Effective DateRating
3/14/2019 a+
3/2/2018 a+
2/10/2017 a+
12/10/2015 a+
10/23/2014 a+
Related Financial and Analytical Data
The following links provide access to related data records that A.M. Best utilizes to provide
financial and analytical data on a consolidated or branch basis.
MB # Company Name Company Description
019190 Hiscox USA Represents Property/Casualty business of this legal entity.
Group (CS)
018750 Hiscox USA Represents the A.M. Best Consolidated financials for the
Group (G) Property/Casualty business of this legal entity.
Best's Credit Reports
Best's Credit Report -Where applicable, includes Best's Financial Strength Rating and
rationale along with comprehensive analytical commentary, detailed business overview and
key financial data.
Report Revision Date: 3/14/2019 (represents the latest significant change).
Historical Reports are available in Best's Credit Report Archive.
h
View additional news, reports and products for this company.
http://ratings.ambest.com/CompanyProfile.aspx?ambnum=3030&URatingld=2928293&bl... 3/22/2019
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Hiscox Insurance Company Inc. - Company Profile - Best's Credit Rating Center Page 5 of 5
Australian Disclosures
A.M. Best Asia-Pacific Limited (AMBAP), Australian Registered Body Number(ARBN No.150375287), is a limited liability
company incorporated and domiciled in Hong Kong. AMBAP is a wholesale Australian Financial Services(AFS) Licence
holder(AFS No.411055) under the Corporations Act 2001. Credit ratings emanating from AMBAP are not intended for
and must not be distributed to any person in Australia other than a wholesale client as defined in Chapter 7 of the
Corporations Act. AMBAP does not authorize its Credit Ratings to be disseminated by a third-party in a manner that could
reasonably be regarded as being intended to influence a retail client in making a decision in relation to a particular
product or class of financial product.AMBAP Credit Ratings are intended for wholesale clients only, as defined.
Credit Ratings determined and disseminated by AMBAP are the opinion of AMBAP only and not any specific credit
analyst.AMBAP Credit Ratings are statements of opinion and not statements of fact.They are not recommendations to
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Important Notice:A.M. Best's Credit Ratings are independent and objective opinions, not statements of fact.A.M. Best
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Copyright©2019 A.M. Best Company, Inc. and/or its affiliates ALL RIGHTS RESERVED.
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AC"RL>
CERTIFICATE OF LIABILITY INSURANCE DATE(Mi D/YYYY,
12/12/2018
THISCERTIFICATE IS ISSUED ASA MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOTAFFIRMATIVELY OR NEGATIVELY -'AMEND,EXTEND OR ALTER THE COVERAGE AFFORDED BYTHE POLICIES BELOW.THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING 1.NSURER(5),AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER.
IMPORTANT:
t the certificate holder is an ADDITIONAL INSURED,the pollcy(ies)must have ADDITIONAL INSURED provisions or be endorsed.IfSUBROGATION IS WAIVED-subject to the terms andconditionsofthepolicy,certain policies may require an endorsement.A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
PRODUCER
CONTACT
NAME:
Michael Fiamingo(9660318)
PHONE FFAXC1155MeridianAveSte212A/C,No EXT) 408 445-9700 J ,No) 408-445-2462
E-MAIL
San Jose CA 95125-4331 ADDRESS mfiamingo@farmersagent.com
I N S URER(S)AFFORDING COVERAGE NAICINSUt
RED
INSURERA Truck Insurance Exchange 21709
INSURERB; Farmers Insurance Exchange 21652BIORDI, BRUCE E
398 CLOVERDALE LANE INSURER C: Mid Century Insurance Company 21687
INSURER D
CAMPBELL CA 95008
INSURER E:
INSURER F.
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
THIS ISTD CERTIFY THATTHE POLICIES OF INSURANCE LISTED BELOW HAVEBEEN ISSUED TO THE INSURED NAME ABOVE FOR THE POLICY PERIOD INDICATED.NOTWIT'HSfA V D`dG At.YREQUIREMENT,TERM OR CONDITION OFANY CONTRACT OR OTHER DOCUMENT WITH RESPECTTO WHICH THIS CERTIFICATE MAYBE ISSUED OR MAY PERTAIN,THE INSURA IiCt APFCRDEC BY TI-.cPOLICIESDESCRIBEDHEREIN15SUBJECTTOALLTHETERMS,EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SH:,3WN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR ADDTL SUBR I
LTR TYPE OFINSURANCE POLICY NUMBER POLICY POLICY EXP
INSD WVD MM;DD/YYYY) (MM/DD/YYYY) I LIMITS
COMMERCIAL GENERAL LIABILITY i EACH OCCURRENCE 5
CLAIMS-Y1ADE - OCCUR DAMAGETORENTED
t PREN11SES(Ea Occur•enr M
MED EXP(AnY on i >
I PERSONAL&ADVIi. I
GEN'L AGGREGATE LIMIT4PFLIES PER:
GENERALAGGREGArE
POLICY PROJECT LOC
PRODUCTS-COMP,OP.>GGIIIJJJ
OTHER
AUTOMOBILE LIABILITY COMBIN DSINGLELIM'T
IEaaccidenU 000.000
ANYAUTO
I BODILY INJURY(Per per:;nn)
B OWNEDAUTOS !X SCHEDULEDONLYAUTOS DIL'!INJURY(Per aco,Jert iY605498835V11/14/2018 11/14/2019
HIRED AUTOS NON-OWNED
PROPERTY DAMAGEONLYAUTOSONLYI (Peracudent) is
UMBRELLALIAB OCCUR
EACH OCCURRENCE
EXCESS LIABCLAIMS-MADE
AGGREGATE
DED RETENTION
WORKERS COMPENSATION
PE4
AND EMPLOYERS'LIABILITY
1
STATUTE I OT(ER
ANY PROPRIETOR"PARTNER
111
EXECUTIVE OFFICERi P,1EMBER NIA
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OPERATIONS bel v`; E L.DISEASE-POLICY L VfT -i
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I-- ---
DESCRIPTION OF OPERATIONS;LOCATIONS/VEHICLES(ACORD 101,Additional Remarks Schedule,maybe attached if more space is required)
ischeduled auto:2017 Subaru Forester 2 VIN:JF2SJAEC2HG536984
City of Cupertino,its City Council,boards,commissions,officers,employees and volunteers are named as additional insureds.The policy is endorsed
Waiver of Subrogation E3153 in favor of City of Cupertino,its City Council,boards and commissions,officers,employees and volunteers.
CERTIFICATE HOLDER CANCELLATION
CITY OF CUPERTINO
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE Ti EXPIRATION10300TORREAVEDATETHEREOF.NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE COLIC!PR0144.SIONS. I
AUTHORIZED REPRESENTATIVE M Flamingo
CUPERTINO.-...
ACORD 25(2016/03) x11988-2015 ACORD CORPORATION.All Rights Reserved
31-1769 11-15 The ACORD name and logo are registered marks of ACORD
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Truck Insurance Exchange - Company Profile - Best's Credit Rating Center Page 1 of 5
Truck Insurance Exchange
A.M. Best#: 002174 NAIC#: 21709 FEIN #: 952575892
Mailing Address View Additional Address
Flnanci6l Sbmgffi RatingP.O. Box 4402 Information
Woodland Hills, CA 91365 qcgii>
United States A Exlent
Assigned to insurance
Web: www.farmers.com companies that have, in our
Phone: 323-932-3200 opinion, an excellent ability
Fax: 323-930-4266 to meet their ongoing
insurance obligations.
View additional news,
reports and products for
this company.
Based on A.M. Best's analysis, 050457 - Zurich Insurance Group Ltd is the AMB Ultimate Parent and
identifies the topmost entity of the corporate structure. View a list of operating insurance entities in this
structure.
Best's Credit Ratings
Financial Strength Rating View Definition
Rating: A (Excellent)
Affiliation Code: p (Pooled)
Financial Size Category: XV ($2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: February 15, 2019
Initial Rating Date: June 30, 1940
Long-Term Issuer Credit Rating View Definition
http://ratings.ambest.com/CompanyProfile.aspx?ambnum=3030&URatingld=2928293&bl... 3/22/2019
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Truck Insurance Exchange - Company Profile - Best's Credit Rating Center Page 3 of 5
1/19/2017 A
10/2/2015 A
8/21/2014 A
Long-Term Issuer Credit Rating
Effective DateRating
2/15/2019 a
2/14/2018 a
1/19/2017 a
10/2/2015 a
8/21/2014 a
Best's Credit Reports
Best's Credit Report - Where applicable, includes Best's Financial Strength Rating and
rationale along with comprehensive analytical commentary, detailed business overview and
key financial data.
Report Revision Date: 3/15/2019 (represents the latest significant change).
Historical Reports are available in Best's Credit Report Archive.
View additional news, reports and products for this company.
http://ratings.ambest.com/CompanyProfile.aspx?ambnum=3030&URatingId=2928293&bl... 3/22/2019
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Truck Insurance Exchange - Company Profile - Best's Credit Rating Center Page 5 of 5
Australian Disclosures
A.M. Best Asia-Pacific Limited (AMBAP), Australian Registered Body Number(ARBN No.150375287), is a limited liability
company incorporated and domiciled in Hong Kong. AM BAP is a wholesale Australian Financial Services (AFS) Licence
holder(AFS No.411055) under the Corporations Act 2001. Credit ratings emanating from AMBAP are not intended for
and must not be distributed to any person in Australia other than a wholesale client as defined in Chapter 7 of the
Corporations Act.AMBAP does not authorize its Credit Ratings to be disseminated by a third-party in a manner that could
reasonably be regarded as being intended to influence a retail client in making a decision in relation to a particular
product or class of financial product.AMBAP Credit Ratings are intended for wholesale clients only, as defined.
Credit Ratings determined and disseminated by AMBAP are the opinion of AMBAP only and not any specific credit
analyst.AMBAP Credit Ratings are statements of opinion and not statements of fact.They are not recommendations to
buy, hold or sell any securities or any other form of financial product, including insurance policies and are not a
recommendation to be used to make investment/purchasing decisions.
Important Notice:A.M. Best's Credit Ratings are independent and objective opinions, not statements of fact.A.M. Best
is not an Investment Advisor, does not offer investment advice of any kind, nor does the company or its Ratings Analysts
offer any form of structuring or financial advice. A.M. Best's credit opinions are not recommendations to buy, sell or hold
securities, or to make any other investment decisions. For additional information regarding the use and limitations of
credit rating opinions, as well as the rating process, information requirements and other rating related terms and
definitions, please view Understanding Best's Credit Ratings.
About Us I Site Map I Customer Service I My Account I Contact I Careers I Terms of Use I Privacy Policy I Security
Legal&Licensing
Regulatory Affairs-Form NRSRO-Code of Conduct- Rating Methodology-Historical Performance Data
Copyright©2019 A.M. Best Company, Inc. and/or its affiliates ALL RIGHTS RESERVED.
http://ratings.ambest.com/CompanyProfile.aspx?ambnum=3030&URatingId=2928293&bl... 3/22/2019
Farmers Insurance Exchange - Company Profile - Best's Credit Rating Center Page 1 of 5
Farmers Insurance Exchange
A.M. Best#: 002171 NAIC #: 21652 FEIN #: 952575893
Mailing Address View Additional Address
Financial Shwgth RatingP.O. Box 4402 Information
Woodland Hills, CA 91365 mI'F
United States A Ekcallent
Assigned to insurance
Web: www.farmers.com companies that have, in our
Phone: 323-932-3200 opinion, an excellent ability
Fax: 323-930-4266 to meet their ongoing
insurance obligations.
View additional news,
reports and products for
this company.
Based on A.M. Best's analysis, 050457 -Zurich Insurance Group Ltd is the AMB Ultimate Parent and
identifies the topmost entity of the corporate structure. View a list of operating insurance entities in this
structure.
Best's Credit Ratings
Financial Strength Rating View Definition
Rating: A (Excellent)
Affiliation Code: p (Pooled)
Financial Size Category: XV ($2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: February 15, 2019
Initial Rating Date: June 30, 1933
Long-Term Issuer Credit Rating View Definition
http://ratings.ambest.com/searchresults.aspx?URatingld=2928293&bl=0&AItSrc=1&PPP=... 3/22/2019
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Farmers Insurance Exchange - Company Profile - Best's Credit Rating Center Page 3 of 5
Effective DateRating
2/15/2019 A
2/14/2018 A
1/19/2017 A
10/2/2015 A
8/21/2014 A
Long-Term Issuer Credit Rating
Effective DateRating
2/15/2019 a
2/14/2018 a
1/19/2017 a
10/2/2015 a
8/21/2014 a
Rated Issues
Issue Credit Ratings
Date Effective Outlook/
Amount Couponlssue TypeRatingIssued Date Implication
N/A 400,000,000 USD 4.747%
Surplus
bbb+ 02/15/2019 Stable
Notes
o
Surplus
bbb+ 02/15/2019 Stable05/04/1994 300,000,000 USD 8.625%
Notes
i) Denotes Indicative Rating
Best's Credit Reports
http://ratings.ambest.com/searchresults.aspx?URatingld=2928293&bl=0&AItSrc=1&PPP=... 3/22/2019
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Farmers Insurance Exchange - Company Profile - Best's Credit Rating Center Page 5 of 5
European Union Disclosures
A.M. Best- Europe Rating Services Limited(AMBERS), a subsidiary of A.M. Best Rating Services, Inc., is an External
Credit Assessment Institution (ECAI) in the European Union (EU).Therefore, Credit Ratings issued and endorsed by
AMBERS may be used for regulatory purposes in the EU as per Directive 2006/48/EC.
A.M. Best(EU) Rating Services B.V. (AMB-EU), a subsidiary of A.M. Best Rating Services, Inc., is an External Credit
Assessment(ECAI) in the EU. Therefore, credit ratings issued and endorsed by AMB-EU may be used for regulatory
purposes in the EU as per Directive 2006/48/EC.
Australian Disclosures
A.M. Best Asia-Pacific Limited (AMBAP),Australian Registered Body Number(ARBN No.150375287), is a limited liability
company incorporated and domiciled in Hong Kong.AMBAP is a wholesale Australian Financial Services(AFS) Licence
holder(AFS No.411055) under the Corporations Act 2001. Credit ratings emanating from AMBAP are not intended for
and must not be distributed to any person in Australia other than a wholesale client as defined in Chapter 7 of the
Corporations Act. AMBAP does not authorize its Credit Ratings to be disseminated by a third-party in a manner that could
reasonably be regarded as being intended to influence a retail client in making a decision in relation to a particular
product or class of financial product.AMBAP Credit Ratings are intended for wholesale clients only, as defined.
Credit Ratings determined and disseminated by AMBAP are the opinion of AMBAP only and not any specific credit
analyst.AMBAP Credit Ratings are statements of opinion and not statements of fact.They are not recommendations to
buy, hold or sell any securities or any other form of financial product, including insurance policies and are not a
recommendation to be used to make investment/purchasing decisions.
Important Notice:A.M. Best's Credit Ratings are independent and objective opinions, not statements of fact.A.M. Best
is not an Investment Advisor, does not offer investment advice of any kind, nor does the company or its Ratings Analysts
offer any form of structuring or financial advice.A.M. Best's credit opinions are not recommendations to buy, sell or hold
securities, or to make any other investment decisions. For additional information regarding the use and limitations of
credit rating opinions, as well as the rating process, information requirements and other rating related terms and
definitions, please view Understanding Best's Credit Ratings.
About Us I Site Map I Customer Service I My Account I Contact I Careers I Terms of Use I Privacy Policy I Security
Legal & Licensing
Regulatory Affairs-Form NRSRO-Code of Conduct-Rating Methodology-Historical Performance Data
Copyright©2019 A.M. Best Company, Inc. and/or its affiliates ALL RIGHTS RESERVED.
http://ratings.ambest.com/searchresults.aspx?URatingld=2928293&bl=0&AltSrc=1&PPP=... 3/22/2019
Mid-Century Insurance Company - Company Profile - Best's Credit Rating Center Page 1 of 5
Mid-Century Insurance Company
A.M. Best#: 002173 NAIC#: 21687 FEIN #: 956016640
Mailing Address View Additional Address
Financia.]Shmgth RatingP.O. Box 4402 Information
Woodland Hills, CA 91365 9
United States A 6lent
Assigned to insurance
Web: www.farmers.com companies that have, in our
Phone: 323-932-3200 opinion, an excellent ability
Fax: 323-930-4266 to meet their ongoing
insurance obligations.
View additional news,
reports and products for
this company.
Based on A.M. Best's analysis, 050457 - Zurich Insurance Group Ltd is the AMB Ultimate Parent and
identifies the topmost entity of the corporate structure. View a list of operating insurance entities in this
structure.
Best's Credit Ratings
Financial Strength Rating View Definition
Rating: A (Excellent)
Affiliation Code: p (Pooled)
Financial Size Category: XV ($2 Billion or greater)
Outlook: Stable
Action: Affirmed
Effective Date: February 15, 2019
Initial Rating Date: June 30, 1955
Long-Term Issuer Credit Rating View Definition
http:Hratings.ambest.com/CompanyProfile.aspx?ambnum=2173&URatingld=2928293&bl... 3/22/2019
6IOZ/ZZ/£ "'ia8£6Z8Z6Z=pIu?In2If1a8£LIZ=uznuquzdseaitoadueduzo/uzooIsaquzesou?Ing//:dllu
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Mid-Century Insurance Company - Company Profile - Best's Credit Rating Center Page 3 of 5
1/19/2017 A
10/2/2015 A
8/21/2014 A
Long-Term Issuer Credit Rating
Effective DateRating
2/15/2019 a
2/14/2018 a
1/19/2017 a
10/2/2015 a
8/21/2014 a
Best's Credit Reports
Best's Credit Report -Where applicable, includes Best's Financial Strength Rating and
rationale along with comprehensive analytical commentary, detailed business overview and
key financial data.
Report Revision Date: 3/15/2019 (represents the latest significant change).
Historical Reports are available in Best's Credit Report Archive.
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Mid-Century Insurance Company - Company Profile - Best's Credit Rating Center Page 5 of 5
Australian Disclosures
A.M. Best Asia-Pacific Limited (AMBAP), Australian Registered Body Number(ARBN No.150375287), is a limited liability
company incorporated and domiciled in Hong Kong.AMBAP is a wholesale Australian Financial Services(AFS) Licence
holder(AFS No.411055) under the Corporations Act 2001. Credit ratings emanating from AMBAP are not intended for
and must not be distributed to any person in Australia other than a wholesale client as defined in Chapter 7 of the
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reasonably be regarded as being intended to influence a retail client in making a decision in relation to a particular
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Credit Ratings determined and disseminated by AMBAP are the opinion of AMBAP only and not any specific credit
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Important Notice:A.M. Best's Credit Ratings are independent and objective opinions, not statements of fact.A.M. Best
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