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HomeMy WebLinkAboutPM 2009-10 - Certificate of Insurance - 11/30/2009 ACORD,,, (MMfI10/YYYY) ,, CERTIFICATE OF LIABILITY INSURANCE 11/25/2009 PRODUCER 925.686.2860 FAX 925.686.6118 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION WestCallawayStotka, Inc. ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER.THIS CERTIFICATE DOES NOT AMEND,EXTEND OR Li c. #0063315 ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. 200 Gregory Lane Bldg A Pleasant Hill , CA 94523 INSURERS AFFORDING COVERAGE MAIC# INSURED Bakman Enterprises INSURERA Fireman's Fund Bakman Ranch INSURERS: Nationwide Mutual Insurance Co Van Ness Investments INSURERC: State Compensation Ins Fund P.O. BOX 7965 INSURER D: Fresno, CA 93747 INSURER E: COVERAGES THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.NOTWITHSTANDING ANY REOUIREMENT,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.AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR DO' TYPE OF INSURANCE POLICY NUMBER POLICY 1DDfYYNE DAT/ EXPIRATION LIMITS LTR NSR DATE MMIDD DATE MM/DDIYYYY GENERAL LIABILITY MXX80907481 07/01/2009 07/01/2010 EACH OCCURRENCE 5 1,000,00INT0 X COMMERCIAL GENERAL LIABILITY PREMISES Ea occurrence S 110001000 CLAIMS MADE a OCCUR MED EXP(Any one person) S 20,000 A PERSONAL&ADV INJURY 5 11000,000 GENERAL AGGREGATE $ 2,0(10,00 GEN'LAGGREGATE LIMIT APPLIES PER: PRODUCTS-COMPIOPAGG $ 21000,00 POLICY 7 PRO LOC JEC7 AUTOMOBILE LIABILITY ACPBA7841598ZO1 07/01/2009 07/01/2010 COMBINED SINGLE LIMIT X ANY AUTO (Ea accident) S 1,000,000 ALL OWNED AUTOS BODILY INJURY B SCHEDULED AUTOS RISK MANAGE ENT DIVISION (Perperson) $ HIRED AUTOS BODILY INJURY NON-OWNEDAUTOS Approved: (Per accident) $ prove w/Chan es: ' � Co o Ct PROPERTYAGE S (Per accidenidem)q GARAGELIABWTY Signed ' Dote AUTO ONLY-EA ACCIDENT 15 ANY AUTO OTHER THAN EA ACC $ AUTO ONLY: AGS $ EXCESS/UMBRELLA UABIUTY XAE00070411541 07/01/2009 07/01/2010 EACH OCCURRENCE S 3,000,000 X OCCUR F7 CLAIMS MADE AGGREGATE $ 3,000,000 A S DEDUCTIBLE $ RETENTION $ S WORKERS COMPENSATION 190117909 OS/09/2009 05/08/2010 X A AND EMPLOYERS'LIABILN ITY TORY LIMITS ER C ANY OFFICERIMEMBER EXCLUDED?ECUTIVE YIN E,L EACH ACCIDENT 5 1,000,000 (Mandatory in NH) E.L.DISEASE-EA EMPLOYEEI S 1,000,000 If yes,describe under SPECIAL PROVISIONS below £.L DISEASE-POLICY LIMIT $ 1,000,00 OTHER DESCRIPTION OF OPERATIONS r LOCATIONS I VEHICLES 1 EXCLUSIONS ADDED BY ENDORSEMENT I SPECIAL PROVISIONS Re: Olive & Peach (Between Peach & Helm Property) EE ATTACHED *10 Das Notice for Non-Payment of Premium** CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION City of Fresno DATE THEREOF,THE ISSUING INSURER WILL ENDEAVOR TO MAIL 30 DAYS WRITTEN Planning & Development Department NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT,BUT FAILURE TO DO 50 SHALL Development Services Division IMPOSE NO OBLIGATION OR LIABILITY OF ANY KIND UPON THE INSURER,ITS AGENTS OR 2600 Fresno Street REPRESENTATIVES. Fresno, CA 93721-3604 AUTHORIZED REPRESENTATIVE T l,1 [ShelleyKaminski/SMK -� n ACORD 25(2009109) ©1998-2009 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD City of Fresno Certificate issued to City of Fresno 11/25/2009 WestCallawayStotka, Inc. 11/25/2009 The City of Fresno, its officers, officials, employees, agents and volunteers are additional insured as respects to general liability and coverage is primary per the attached CG7158 and additional insured on the automobile liability per the attached AC0102 03-08. A waiver of Subrogation has been added on the workers' compensation. IMPORTANT If the certificate holder is an ADDITIONAL INSURED,the policy(ies)must be endorsed.A statement on this certificate does not confer fights to the certificate holder in lieu of such endorsement(s). 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). DISCLAIMER This Certificate of Insurance does not constitute a contract between the issuing insurer(s), authorized representative or producer,and the certificate holder,nor does it affirmatively or negatively amend, extend or alter the coverage afforded by the policies listed thereon. ACORD 25(2009101) MultiCover® - CG 71 58 12 07 -- Policy Amendment(s) Commercial General Liability Coverage Form Your Commercial General Liability Coverage Form is (3) Coverage B does not apply to per- revised as follows: sonal and advertising injury arising out of an offense committed before 1. Broadened Named insured you acquired or formed the organ- ization. A. SECTION II - WHO IS AN INSURED, item 3., is deleted and replaced by the follow- B. SECTION II -WHO IS AN INSURED, the ing: last paragraph, is deleted and replaced by the following: 3. Any organization that you own at the inception of this policy, or newly acquire No person or organization is an insured with or form during the policy period, and respect to the conduct of any current or past over which you maintain during the pot- partnership, joint venture, or limited liability icy period majority ownership or major- company that is not shown as a Named In- ity interest, will qualify as a Named sured in the Declarations. However,this does Insured if: not apply to a limited liability company that meets all of the conditions in Section II - a. There is no other similar insurance Who Is An Insured, item 3., above. available to that organization; and 2. Additional Insured b. The fust Named Insured shown in SECTION 1I - WHO IS AN INSURED, sub- the Declarations has the responsi- section 2.e., is added as follows: bility of placing insurance for that organization; and e. Any person or organization is included as an additional insured,but only to the extent such c. That organization is incorporated or person or organization is held liable for organized under the laws of the bodily injury,property damage or personal and United States of America. advertising injury caused by your acts or omissions. With respect to the insurance af- However: forded to such insured, all of the following (1) Coverage under this provision 3 is additional provisions apply: afforded only until the next occur- (1) You and such person or organization ring annual anniversary of the be- have agreed in a written insured contract ginning of the policy period shown that such person or organization be in the Declarations,or the end of the added as an additional insured under this policy period, whichever is earlier; policy; and (2) The bodily injury, property damage or N (2) Coverage A does not apply to bodily personal and advertising injury for which Z injury or property damage that oc- said person or organization is held liable cured before you acquired or occurs subsequent to the execution of formed the organization; and such insured contract; This Form must be attached to Change Endorsement when issued after the policy is written. mOne of the Fireman's Fund Insurance Companies®as named in the policy b Secretary U President N U CG 7158 13-07S Copyright 2007,Fireman's Fund Insurance Company,Novato,CA. All rights reserved. mIncludes copyrighted material of Insurance Services Office,Inc.,with its permission. Page I of 7 0 (3) The most we will pay is the lesser of behalf of the additional insured at either the Limits of Insurance shown in the site of the covered operations, the Declarations or the limits of insur- has been completed; ante required by the insured contract; (c) Which takes place after that portion (4) Such person or organization is an insured of your work out of which the injury only with respect to: or damage arises has been put to its intended use by any other person or (a) Their ownership, maintenance, or organization other than another use of that part of the premises, or contractor or subcontractor engaged land, owned by, rented to, or leased in performing operations for a prin- to you, except such person or or- cipal as pari of the same project; ganization is not an insured with re- spect to structural alterations, new (d) Which takes place after the expira- construction or demolition oper- tion of any equipment lease to ations performed by or on behalf of which (4)(d) above applies; such person or organization; (ti) With respect to architects, engineers or (b) Your ongoing operations performed surveyors, coverage does not apply to for that insured; bodily injury, property damage or per- sonal and advertising injury arising out (c) Their financial control of you, ex- of the rendering or failure to render any cept such person or organization is professional services by or for you, in- not an insured with respect to strtu- cluding: Lural alterations, new construction or demolition operations performed (a) The preparing, approving, or failing by or on behalf of such person or to prepare or approve, maps, shop organization; drawings, opinions, reports, surveys, field orders, change orders, or draw- (d) The maintenance, operation or use ings and specifications; by you of equipment leased to you (b) Supervisory, inspection, architec- by such person or organization; tural, or engineering services. (e) Operations performed by you or on However, if an Additional Insured endorsement is your behalf and for which a state or attached to this policy that specifically names a political subdivision has issued a person or organization as an insured, then this permit, provided such operations are subsection 2.e. does not apply to such person or not performed for such state or pol- organization. ation. itical subdivision, and are not in- cluded within the products-completed 3. Additional Insured- Vendors operations hazard; Unless the products-completed operations hazard (S) This insurance does not apply to bodily is excluded from this policy, SECTION Il - WHO injury, property damage, personal and IS AN INSURED,item 21 is added as follows: advertising injury, occurrence or offense: L Any vendor of yours is included as an addi- (a) Which takes place at a particular tional insured, but only with respect to bodily premises after you cease to be a injury or property damage caused by your tenant of that premises; products which are distributed or sold in the regular course of the vendor's business, sub- (b) Which takes place after all work, in- ject to the following additional exclusions: cluding materials, parts or equip- ment furnished in connection with (1) The insurance afforded the vendor does such work to be performed by or on not apply to: CG 7158 12-075 Copyright 2007,Fireman's Fund Insurance Company,Novato,CA. All rights reserved. Includes copyrighted material of Insurance Services office,Inc.,mth its.permission. Page 2 of 7 (a) Bodily injury or property damage for into, accompanying or containing such which the vendor is obligated to pay products. damages by reason of the assump- tion of liability in a contract or However, if an Additional Insured - Vendors agreement. This exclusion does not endorsement is attached to this policy that apply to liability for damages that specifically names a person or organization as the vendor would have in the ab- an insured, then this subsection 2.f. does not sence of the contract or agreement; apply to that person or organization. (b) Any express warranty unauthorized 4. Additional Insured - Limited Primary and Non- by you; contributory Provision (c) Any physical or chemical change in The following is added as a second paragraph to the product made intentionally by Section IV Conditions, Condition 4. Other Insur- the vendor; ance,following paragraph b.(2): (d) Repackaging,unless unpacked solely However, if you have added any person, organiza- for the purpose of inspection, dem- tion or vendor of yours as an additional insured to onstration, testing, or the substi- this policy by way of this MultiCover0 endorse- tution of parts under instructions ment and have agreed in a written insured contract from the manufacturer, and then re- that this insurance is primary and non-contribu- packaged in the original container; tory with other insurance available to that addi- tional insured, this insurance is primary and we (e) Any failure to make such in- will not seek contribution from such additional spections, adjustments, tests or ser- insured's other insurance. This provision does not vicing as the vendor has agreed to apply to other insurance to which such additional make or normally undertakes to insured has been added as an additional insured. make in the usual course of busi- ness, in connection with the distrib- 5. Waiver of Subrogation g ution or sale of the products; SECTION IV - COMMERCIAL GENERAL (f) Demonstration, installation, servic- LIABILITY CONDITIONS, item S., is deleted ing or repair operations, except such and replaced by the following: operations performed by the vendor in full compliance with the man- g• Transfer of Rights of Recovery Against Oth- ufacturer's written instructions at the ers to Us and Blanket Waiver of Subrogation vendor's premises in connection with the sale of the product; a. if the insured has rights to recover all or part of any payment we have made under (g) Products which, after distribution this Coverage Part, those rights are or sale by you, have been labeled or transferred to us. The insured must do relabeled or used as a container,part nothing after the loss to impair those Nor ingredient of any other thing or rights. At our request, the insured will ? substance by or for the vendor; or bring suit or transfer those rights to us and help us enforce them. (h) Bodily injury or property damage arising out of the liability of the b. If required by a written insured contract vendor for its own acts or omissions executed prior to the occurrence or of- m or those of its employees or anyone Tense, we waive any right of recovery we else acting on its behalf. may have against any person or organ- ization named in such insured contract, v (2) This insurance does not apply to any in- because of payments we make for injury sured person or organization from whom or damage arising out of your operations you have acquired such products or any or your work for that person or organ- ingredient, part or container, entering ization. U CG7158 12.075 Copyright 2007,Fireman's Fund insurance Company,Novato,CA. All rights reserved. mIncludes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 3 of 7 0 0 0 6. Cancellation - 120 Days in the Declarations, for property damage to any one premises while rented to you, Common Policy Conditions endorsement IL0017, or in the case of damage by fire, explo- A. Cancellation, item 2.b. is deleted and replaced Sion, sprinkler leakage, or lightning while by the following: rented to you, temporarily occupied by b. 120 days before the effective date of cancella- you with the permission of the owner, tion if we cancel for any other reason. or managed by you under a written agreement with the owner, is the greater 7. Liberalization of: SECTION IV - COMMERCLAI. GENERAL a. $1,000,000 Any One Premises; or LIABILITY CONDITIONS, the following is ad- ded as an additional Condition: b. The Damage To Premises Rented To You Limit shown in the Decla- Liberalization rations. If we adopt a change in our forms or rules which C. SECTION IV - COMMERCIAL GEN- would broaden the coverage provided by any form ERAL LIABILITY CONDITIONS, 4. that is a part of this policy without an extra Other Insurance, b. Excess Insurance, (1)(a), premium charge, the broader coverage will apply items (i) and (iii), are deleted and replaced by to this policy. This extension is effective upon the approval of such broader coverage in your state. the following: 8. Tire, Explosion, Sprinkler Leakage, or Lightning (i) That is Fire, Explosion, Sprinkler Leak- Legal Liability Coverage age, or Lightning insurance for premises while rented to you, temporarily occu- A. SECTION I - COVERAGES, COVERAGE pied by you with permission of the A BODILY INJURY AND PROPERTY owner, or managed by you under a writ- DAMAGE LIABILITY, 2. Exclusions, the ten agreement with the owner; last paragraph, is deleted and replaced by the following: (iii) That is insurance purchased by you to cover your liability as a tenant for Exclusions c. through n. do not apply to property damage to premises rented to damage by rue, explosion, sprinkler leakage, you, temporarily occupied by you with or lightning to premises while: the permission of the owner, or managed 1. Rented to you; by you under a written agreement with the owner; or 2. Temporarily occupied by you with the D. SECTION V - DEFINITIONS, 9. insured permission of the owner; or Contract, item a., is deleted and replaced by 3. Managed by you under a written agree- the following: ment with the owner. (a) A contract for a lease of premises. A separate limit of insurance applies to this However, that portion of the contract for coverage as described in Section III - LIMITS a lease of premises that indemnifies any OF INSURANCE. person or organization for damage by B. SECTION III - LIMITS OF INSURANCE, fire, explosion, sprinkler leakage, or item 6., is deleted and replaced by the follow- lightning to premises while rented to you, ing: temporarily occupied by you with per- mission of the owner,or managed by you 6. Subject to 5. above, the Damage to under a written agreement with the Premises Rented To You Limit shown owner, is not an insured contract; CG7158 12-07S Copyright 2007,Fireman's Fund Insurance Company,Novato,CA. All rights reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its permission. Page 4 of 7 9. Damage to Invitees' Automobiles from Falling 11. Chartered Aircraft — Trees or Tree Limbs- Limited Coverage SECTION I - COVERAGES, COVERAGE A This coverage applies to direct physical damage to BODILY INJURY AND PROPERTY DAM- automobiles owned by invitees subject to all of the AGE LIABILITY, 2. Exclusions, g. Aircraft, following: Auto Or Watercraft, item (6), is added as follows: 1. Provided such damage originates from trees (6) An aircraft in which you have no ownership on premises owned,managed,leased or rented interest and that you have chartered with by an insured; mow' 2. Coverage applies only to invitees of an in- 12. Coverage Territory- Broadened cured or an insured's tenant; SECTION V - DEFINITIONS, item 4.a., is de- 3. Such damage is directly caused by wind-dri- leted and replaced by the following: ven falling trees or tree limbs; a. The United States of America (including its territories and possessions), Puerto Rico, 4. The most we will pay for any one loss is the Canada,Bermuda,the Bahamas,The Cayman lowest of Islands,and the British Virgin Islands; a. the actual cash value of the damaged au- 13. Personal and Advertising Injury - Contractual tomobile'as of the time of the loss; or Unless personal and advertising injury is excluded b. the cost of repairing the damaged auto- from this policy the following applies: mobile; or SECTION I - COVERAGES, COVERAGE B, C. the cost of replacing the damaged auto- 2.Exclusions, item e., is deleted. mobile with another automobile of like g kind and quality. 14. Fellow Employee Coverage a Regardless of the number of occurrences SECTION II - WHO IS AN INSURED, 2.a., item (1) is deleted and replaced by the following: losses or claims, this coverage is subject to a ` limit of$25,000 in any one policy period; (1) Personal and advertising injury: 5. This coverage is not subject to the General However, subsections (a), (b), (c) and (d) of item Liability General Aggregate Limit; and (1) remain unchanged. 6. We will make payments under this coverage 15. Bodily Injury Definition - Broadened without regard to fault. SECTION V - DEFINITIONS, 3. Bodily Injury 10. Non-Owned or Chartered Watercraft is deleted and replaced by the following: Z SECTION I - COVERAGES, COVERAGE A Bodily injury means bodily injury, sickness or dis- - ease sustained by a person including death or BODILY INJURY AND PROPERTY DAM- mental anguish resulting from any of these at any AGE LIABILITY, 2. Exclusions, item g.Aircraft, time. Mental anguish means any type of mental Auto, or Watercraft, item (2), is deleted and re- or emotional illness or disease. placed by the following: M 16. Expected or Intended Injury - Amendment to Ex- (2) A watercraft you do not own that is: elusion a (a) Less than 51 feet long; and SECTION I. Coverage A Bodily Injury and Pro- perty Damage Liability, 2. EXCLUSIONS, a. Ex- (b) Not being used for public transportation pected or Intended Injury, is deleted and replaced N or as a common carrier; by the following: U CG71Ss 12-07S Copyright 2007,Fireman's Fund Insurance Company,Novato,CA. All rights reserved. m Includes copyrighted material of Insurance Scrvicrs Office,Inc.,with its permission. Page 5 of 7 0 0 0 a. Expected or Intended Injury (a) You, if you are an individual; Bodily injury or property damage expected or (b) Your partner or member, if you are a intended from the standpoint of the insured. partnership or joint venture; This exclusion does not apply to bodily injury (c) Your member, if you are a limited Eabil- or property damage resulting from the use of ity company; reasonable force to protect persons or prop- erty. (d) Your executive officer if you are an or- ganization other than a partnership,joint I7. Unintentional Failure to Disclose Hazards venture or limited liability company; or SECTION IV - COMMERCIAL GENERAL (e) Your authorized representative or insur- LIABILITY CONDITIONS, item 6. Representa- ance manager. tions, the following is added: Knowledge of an occurrence or offense by d. If you unintentionally fail to disclose any ha- persons other than those listed above does not zards existing at the inception date of this imply that those listed above also have such policy, we will not deny coverage under this knowledge. Coverage Form because of such failure. (2) To the extent possible,notice should include: However, this provision does not affect our right to collect additional premium or exercise (a) How, when and where the occurrence or our right of cancellation or non-renewal. offense took place; 18. Supplementary Payments - Increased Limits (b) The names and addresses of any injured SECTION I - COVERAGES, SUPPLEMEN- persons and witnesses; and TARY PAYMENTS - COVERAGES A AND (c) The nature and location of any injury or B, items l.b. and l.d., are deleted and replaced by damage arising out of the occurrence or the following: offense. b. The cost of bail bonds required because of 20. Non Employment Discrimination Liability accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Unless personal and advertising injury is excluded Injury Liability Coverage applies. We do not from this policy the following applies: have to furnish these bonds. A. SECTION V - DEFINITIONS, 14. Personal d. All reasonable expenses incurred by the in- and advertising injury, item h. is added as fol- sured at our request to assist us in the hives- lows: tigation or defense of the claim or suit, h. Discrimination. including substantiated loss of earnings up to $500 a day because of time off from work. B. SECTION V - DEFINITIONS, item 23. is added as follows: 19. Duties in the Event of an Occurrence, Offense, Claim or Suit- Amended 23. Discrimination means the unlawful treat- ment of a person or class of persons be- SECTION IV - COMMERCIAL GENERAL cause of their specific race,color,religion, LIABILITY CONDITIONS, item 2.a. is deleted gender, age, or national origin in com- and replaced by the following: parison to one or more persons who are (1) You must see to it that we or any licensed not members of the specified class. agent of ours are notified of a General C. SECTION I - COVERAGES, COVERAGE Liability occurrence or offense which may re- B PERSONAL AND ADVERTISING sult in a claim as soon as practicable after it INJURY LIABILITY, 2. Exclusions, the becomes known to: following are added: CG 7158 12-07S Copyright 2007,Fireman'%Fund Insurance Company,Novato,CA. All righty reserved. Includes copyrighted material of Insurance Services Office,Inc.,with its peerrd%%ion. Page 6 of 7 q. Discrimination directly or indirectly re- A. SECTION I - COVERAGES, COVERAGE laced to the past employment, employ- C MEDICAL PAYMENTS, 2. Exclusions, ment or prospective employment of any item f., is deleted and replaced by the follow- person or class of persons by any insured; ing: r. Discrimination directly or indirectly re- f. Products-Completed Operations Hazard lated to the sale, rental, lease or sublease or prospective sale, rental, lease or sub- Included within the products-completed lease of any dwelling or permanent lodg- operations hazard. However, this exclu- ing by or at the direction of any insured; sion does not apply to expenses for den- tal services. s. Discrimination, if insurance thereof is prohibited by law; or B. Section I - COVERAGES, COVERAGE C MEDICAL PAYMENTS, is amended to in- t. Fines, penalties, specific performance, or elude item 3. as follows: injunctions levied or imposed by a gov- ernmental entity, governmental code, 3. Limit of Insurance law, or statute because of discrimination. The Medical Expense Limit of Insurance 21. Medical Payments shall be the greater of: Unless COVERAGE C MEDICAL PAY- a. $20,000 Any One Person;or MENTS, or the products-completed operations hazard has been excluded from this policy the fol- b. The amount shown in the Declara- lowing applies: tions. 0 0 O O O O C] N ill r a: N Z O Oi O_ [D c a L9 U u. N U CG7I 58 12-075 Copyright 2007,Fireman's Fund Insurance Company,Novato,CA. All rights reserved. m Includes copyrighted materia!of Insurance Services Office,Inc.,with its permission. Page 7 of 7 m 0 9 BUSINESS AUTO AC 0102 03 08 THIS ENDORSEMENT CHANGES THE POLICY- PLEASE READ IT CAREFULLY. BUSINESS AUTO ENDORSEMENT FORM This endorsement modifies Insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. CHANGES FOR TRAILERS AND FARM or organization qualifies as an "insured" un- EQUIPMENT der the Who Is An Insured Provision con- t. Under SECTION I - COVERED AUTOS, the tained in Section II— LIABILITY following are added to Paragraph C. Certain COVERAGE of the Coverage Form Trailers, Mobile Equipment and Temporary D. REPLACED EXCLUSIONS Substitute Autos: The Expected or Intended Injury Exclusion 4. 'Trailers"designed to be towed by a psi- 1N SECTION 11 — LIABILITY COVERAGE is vate passenger type "auto" or a pickup, replaced by the following: panel truck or van if not used for busi- Expected or Intended Injury ness purposes, other than farming or "Bodily injury" or"property damage"which is ranching. expected or intended by the "Insured". This 5. Farm wagons or farm Implements while exclusion applies even if the resulting "bod- being towed by a covered"auto". ily injury"or"property damage": B. CHANGES FOR ADDITIONAL NEWLY a. is of a different kind, quality or degree ACQUIRED VEHICLES than initially expected or intended;or 2. Paragraph B.2 of SECTION 1 — COVERED b. is sustained by a different person, entity, AUTOS is replaced by the following: real property, or personal property than 2. If Symbol 7 Is entered next to a cover- that initially expected or intended. age in Item Two of the Declarations, an E. ADDITIONAL EXCLUSIONS "auto" you acquire will be a covered The following exclusions are added to .auto"for that coverage only if: SECTION 11—LIABILITY COVERAGE: B_ We already cover at least one "auto" Damage to Named Insured's Property you own for that coverage or it re- Any claim or"suit"for"property damage" by places an "auto" you previously you or on your behalf against any other per- owned that had that coverage;and son ar entity that is also a Named Insured b. You tell us within 30 days after you under this policy. acquire it that you want us to cover it for that coverage. Abuse or Molestation The most we will pay for Physical Damage "Bodily Injury" or "property damage" arising Coverage for"loss" under this Coverage Ex- out oftension is $1D0,000 per "auto", subject to a. The actual or threatened abuse or mo- the largest deductible applicable to any lestation by anyone or any person while "auto"for that Coverage. in the care, custody or control of any"in- C. BLANKET ADDITIONAL INSURED sured", or Any person or organization which you have b. The negligent: agreed to name as an additional Insured in a 1) Employment; written contract, executed prior to an acci- 2) Investigation; dent, other than a contract for the lease or 3) Supervision; rental of a vehicle is an "insured"for Liability Coverage, but only to the extent that person 4) Reporting to the proper authorities, or failure to so report;or AC 01 02 03 08 Includes copyrighted material of Insurance Services Office, Inc., Pagel of 3 with its permission_ ACP BA 785-15BB201 LKVB 09152 INSURED COPY AC010203UB01 12001 7B 00551393 AC 01 02 03 08 5) Retention; b. "Loss" to TV antennas, awnings or ca- of a person for whom any"insured"Is or banas, ever was legally responsible and whose c. "Loss" to equipment designed to create conduct would be excluded by Para- added living facilities. graph a. above. However, these exclusions do not apply if Abuse means an act which is committed Miscellaneous Personal Property Coverage with the intent to cause harm. is provided by endorsement to this policy. Explosives G. ACCIDENTAL AIRBAG DISCHARGE "Bodily injury" or"property damage" caused COVERAGE by the explosion of explosives you make, Under Paragraph B.3.a. of SECTION Ill - sell or transport. PHYSICAL DAMAGE,the following is added: Rolling Stores Mechanical breakdown does not include the ac- If a covered "auto" is a rolling stare, "bodily cidental discharge of an airbag. injury" or "property damage" resulting from H. PHYSICAL DAMAGE LIMIT OF INSURANCE the handling, use or condition of any item Paragraph C. Limit of Insurance of SECTION IiI the "insured" makes, sells or distributes if -PHYSICAL DAMAGE INSURANCE is replaced the injury or damage occurs after the "in- by the following: sured"has given up possession of the item. C. Limit Of Insurance Wrong Delivery of Liquid Products 1. The most we will pay for "loss" in "Bodily injury" or "property damage" result- any one"accident"is the lesser of: ing from the delivery of any liquid into the wrong receptacle or to the wrong address, a. The actual cash value of the or from the delivery of one liquid for another, damaged or stolen property as of the time of the if the "bodily injury" or "property damage" loss"; or occurs after the delivery has been com- b. The cost of repairing or replac- pleted_ ing the damaged or stolen prop- Delivery is considered completed even If fur- ems' ther service or maintenance work, or correc- 2. An adjustment for depreciation and tion, repair or replacement is required be- physical condition will be made in cause of wrong delivery. determining actual cash value In the Professional Services event of total"loss". "Bodily injury". 3. The cost of repairing or replacing a. Resulting from the providing or the fail- may. ure to provide any medical or other pro- a. Be based on an estimate which fessional services. includes parts Furnished by the b. Resultingfrom food or drink furnished original equipment manufacturer or other sources including non- with these services. original equipment manufactur- "Bodily injury" or "property damage" result- ers and ing from the handling of corpses. b. Include a deduction for better- F. MOTOR HOME CONTENTS COVERAGE ment for a part or parts that are 1. For a covered "auto" that is a motor home normally subject to repair or re- the following exclusions are added TO placement during the useful life SECTION III—PHYSICAL DAMAGE: of the "auto", such as, but not Motor Home Contents limited to tires and batteries.This Insurance does not apply to: Betterment means the difference between the actual cash value of a a. "Loss" to the covered "auto's" contents, part immediately before the "loss" except equipment usual to trucks or pri- and the cost to replace that part with vate passenger"autos". a new part. Page 2 of 3 Includes copyrighted material of Insurance Services Office, inc., AC D1 02 03 08 with its permission. ACP SA 78-6-1598201 LKV8 99152 INSURED COPY AC0102030801 OD01 78 0055894 AC 0102 03 08 1. GLASS REPAIR—WAIVER OF DEDUCTIBLE An "employee" of yours is an "insured"while Under Paragraph Q. Deductible of SECTION 111 operating an "auto" hired or rented under a — PHYSICAL DAMAGE COVERAGE, the follow- contract or agreement in that "employee's" ing is added: name,with your permission,while performing duties related to the conduct of your busi- No deductible applies to glass damage if the ness. glass is repaired rather than replaced. B. Changes In General Conditions J. AMENDED DUTIES IN EVENT OF ACCIDENT, Paragraph 5.b. of the Other Insurance CLAIM, SUIT,OR LOSS Condition in the Business Auto Coverage The requirement in Loss Condition 2.a. Duties In Form is replaced by the following: The Even Of Accident, Claim, Suit Or Loss— of For Hired Auto Physical Damage Coverage, SECTION IV—BUSINESS AUTO CONDITIONS the following are deemed to be covered that you must notify us of an "accident", "claim", "autos"you own: suit", or loss' applies only when the accident", "claim", "suit",or"loss"is known to : 1. Any covered "auto" you lease, hire, rent 1. You, if you are an individual or barrow;and 2. A partner, if you are a partnership; 2. Any covered "auto" hired or rented by your"employee" under a contract in that 3. An executive officer or the employee desig- individual "employee's" name, with your nated by you to give such notice if you are a permission, while performing duties re- corporation;or lated to the conduct of your business. 4. A member, if you are a limited liability cam- However, any "auto" that is leased, hired, . pany. rented or borrowed with a driver is not a K. UNINTENTIONAL FAILURE TO DISCLOSE covered"auto". HAZARDS M. EMERGENCY LOCKOUT — PRIVATE SECTON IV — BUSINESS AUTO CONDITIONS PASSENGER VEHICLES — 13.2. is amended by the addition of the follow- . We will reimburse you up to $50 for reasonable ing: expense incurred for the services of a locksmith If you unintentionally fail to disclose any hazards to gain entry into your covered"auto" of the pri- existing at the inception date of your policy, we vate passenger type subject to these provisions: will not deny coverage under this Coverage 1.Your door key or key entry pad has been lost, Form because of such failure. However, this stolen or locked in your covered "auto" and provision does not affect our right to collect addi- you are unable to enter such"auto' ,or tional premium or exercise our right of cancella- 2, Your key or key entry pad has been lost or tion or nonrenewal. stolen and you have changed the lock to L. AUTOS HiRED OR RENTED BY EMPLOYEES prevent an unauthorized entry;and 3. Original copies of receipts for services of a If hired or rented "autos" are covered "autos"on locksmith must be provided before reim- this policy,the following provisions apply: bursement is payable. A. Changes In Liability Coverage The following is added to the Who Is An In- sured Provision in SECTION 11—LIABILITY COVERAGE: All terms and conditions of this policy apply unless modified by this endorsement. AC 01 02 03 08 includes copyrighted material of Insurance Services Office, Inc., Page 3 of 3 with its permission. ACP $A 78-5-1598201 LKV8 09152 INSURED COPY AC0102030801 0001 78 0055895 CERTHOLDER COPY NE STATE P.O. BOX 420807, SAN FRANCISCO,CA 94142-0807 COMPENSATION INSURANCE FUND CERTIFICATE OF WORKERS' COMPENSATION INSURANCE ISSUE DATE: 11-25-2009 GROUP: POLICY NUMBER: 1901179-2009 CERTIFICATE ID. 17 CERTIFICATE EXPIRES: 05-OB-2010 05-08-2009/05-08-2010 CITY OF FRESNO NE JOB:OLIVE & PEACH DEVELOPMENT DEPT BETWEEN PEACH & HELM PROPERTY 2600 FRESNO ST FRESNO FRESNO CA 93721-3620 CA 93721 This is to certify that we have issued a valid Workers' Compensation Insurance policy in a form approved by the California Insurance Commissioner to the employer named below for the policy period indicated. This policy is not subject to cancellation by the Fund except upon 30 days advance written notice to the employer. We will also give you 30 days advance notice should this policy be cancelled prior to its normal expiration. This certificate of insurance is not an insurance policy and does not amend, extend or alter the coverage afforded by the policy listed herein. Notwithstanding any requirement, term or condition of any contract or other document with respect to which this certificate of insurance may be issued or to which it may pertain, the insurance afforded by the policy described herein is subject to all the terms, exclusions, and conditions, of such policy. FTHOR ZZED REPqRE/SENTAT14&J PRESIDENT EMPLOYER'S LIABILITY LIMIT INCLUDING DEFENSE COSTS: $1,000,000 PER OCCURRENCE. ENDORSEMENT #2065 ENTITLED CERTIFICATE HOLDERS' NOTICE EFFECTIVE 05-12-2009 IS ATTACHED TO AND FORMS A PART OF THIS POLICY. ENDORSEMENT #2570 ENTITLED WAIVER OF SUBROGATION EFFECTIVE 2009-11-25 IS ATTACHED TO AND FORMS A PART OF THIS POLICY. THIRD PARTY NAME: CITY OF FRESNO EMPLOYER BAKMAN RANCH AND/OR G & B INVESTMENTS AND/OR SUNNYSIDE INVESTMENTS INC AND/OR BAKMAN WATER CO ET AL PO BOX 7965 FRESNO CA 93747 [B1B,N8] tnEv.2-051 PRINTED : 11-25-2009