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TRUE NORTH COMPLIANCE SERVICES (2)
INsufr��ct ;ii_i A-2022-072-13A WORK MAY PROCEED UNTIL INSLi134NCE EPPIRES � V MAYOR CITY CLERK ���'� CITY MANAGER Valerie Amezo F. v'y Alvaro Nunez MAYOR PRO TEM MAY 13 7025 C.I+.�,}" CITY ATTORNEY l Benjamin Vazquez Sonia R.Carvalho COUNCacerra ERS �' ClTYCLERK Phil Bacerra Johnathan Ryan Hernandez + '`^r,_. Jennifer L.Hall Jessie Lopez David Penaloza Thai Viet Phan CITY OF SANTA ANA PLANNING AND BUILDING AGENCY 20 Civic Center Plaza•P.O.Box 1988 Santa Ana,California 92702 www.santa-ana.ong April 29, 2025 True North Compliance Services, Inc. Attn: Isam Hasenin 3939 Atlantic Ave.,#116 Long Beach, CA 90807 Re: Extension of Agreement A-2022-072-13 for On-Call Building Safety Inspection Services Pursuant to Section 3 ("Term") of the above-referenced Agreement, entered into by True North Compliance Services, Inc. ("Consultant") and the City of Santa Ana, dated May 17, 2022, the time period of the Agreement is hereby extended for an additional one-year period until May 16,2026. Any insurance certificates are required to be extended and/or renewed to cover this extension. All other terms and conditions of the Agreement remain unchanged and in full force and effect. Sincerely, Ali Pezeshkpour Acting Executive Director Planning and Building Agency CITY OF S. TA ANA ATTEST ~ lvaro Nunez ennifer all City Manager C, rk APPROVED AS TO FORM CONSULTANT Melis a M, Crosthwaite Isam Hasenin Senior Assistant City Attorney President SANTA ANA CITY COUNCIL Va€ene Amezcua Benjamin Vazquez Thai Viet Phan Jessie Lopez Phil Bacerra Jahnalhan Ryan Hernandez David Penaloza Mayor Nlaypr Pra Tam-Ward 7 Ward 1 Ward 9 Ward 4 Ward 5 Ward 6 vamezcuafalsanla-anaAm b11"101 Z(dlSania-ana.orp Iphan(dsanta-ana_oro 'essie€o a santa-ana,o phacerralo-lsanla-ana.oro jryanhemandez(dsanta-anaoro dpenalozaasanla-sne.oro CERTIFICATE OF LIABILITY INSURANCE r ATE(MMfDDfYYYY) 2/1012025 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT NAME: Sherry Yburifl Risk Strategies Company PHONE - FAX 2040 Main Street, Suite 450 949-242-9237 A!c No: Irvine, CA 92614 AADDRess: s oun risk-strate ies,com INSURERS AFFORDING COVERAGE NAIC# www.risk-strategies.com CA DOI License No.OF06675 INSURER A: Citizens Insurance Company of America 31534 INSURED INSURERB: Allmerica Financial Benefit Insurance Co 41840 True North Compliance Services, Inc. INSURERC: The Hanover American Insurance Company 36064 3939 Atlantic Avenue, Suite 224 Long Beach CA 90807 INSURER D: Argonaut Insurance Company 19801 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 83904623 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSD VfVD POLICY NUMBER MMIODIYYYY MMIDD YYYJ LIMITS A `/ COMMERCIAL GENERAL LIABILITY OB3J114022 8/27/2024 8/27/2025 EACH OCCURRENCE $2000000 DAMAGE TO RENTED CLAIMS-MADE OCCUR PREMISES Ea occurrence 51 000,00o VIED EXP(Any one person) $5,000 PERSONAL 8.AOV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE s4,000,000 POLICY JEC ❑LOC PRODUCTS-COMPlOPAGG $4 000,000 OTHER: 3 B Au OMOBILE LIABILITY AW3J248741 12/9/2024 1219/2025 COMBINED SINGLELIMIT✓ Ea accident 31,000,000 ✓ ANY AUTO BODILY INJURY(Per person) S OWNED SCHEDULED Y BODILY INJURY Per accident AUTOS ONLY AUTOS t 1 S HIRED NON-OWNED PROPERTY DAMAGE S ✓ AUTOS ONLY ✓ AUTOS ONLY Per accident S A / UMBRELLA LIAR / OCCUR 0B3J114022 8/27/2024 8/27/2025 EACH OCCURRENCE $2 000,000 EXCESS LIAB CLAIMS-MADE AGGREGATE $2 000,000 DEO I ✓I RETENTIONSQ $ C AND RKERSCOMP NSATIOIN YIN vVZ3J114000 8/27/2024 8/27/2025 ,/ SPER TATUTE ORH _ ANYPROPRIETORIPARTNERIEXECUTIVE E.L.EACH ACCIDENT S 1 000,000 OFFICERIMEMB ER EXCLUDED? ❑ NIA (Mandatory 1n NH) E.L.DISEASE-EA EMPLOYEE $1,000,000 If yes,descrihe under DESCRIPTION OF OPERATIONS below I E.L.DISEASE-POLICY LIMIT 1 $1 00Q 000 D Professional Liability 121AE0217205-00 7��7 25 Per Claim $2,000,000 Full Prior Acts Aggregate $4,000,000 DESCRIPTION OF OPERATIONS 1 LOCATIONS I VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) itatllry.si` gned Projects as on file with the insured including but not limited to Building Safety Services. Tu Tran t Dyigm Ngunn The City of Santa Ana,its officers,officials,employees,and volunteers are named as additional insureds and Nguyen Dale 202502,i clause applies to the general liability policy and a waiver of subrogation applies to the 14.4e=15-0900 primary/non-contributory pR 9 Y R Y 9 pp auto liability policy-see attached endorsements. APPROVED By Tu Tran Nguyen at 2:39 pm,Feb 11, 2025 CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Planning and Building Agency ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza Santa Ana CA 92702 AUTHORIZED REPRESENTATIVE RSC Insurance Brokerage O 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD 83904623 124-25 GL-AL-UR3H WC-PL I Sherry Young 1 2/10/2025 2;09:59 PN {PST1 I Page 1 of 7 Architects and Engineers The following policy language is from Businessowners General Liability Coverage Part NAMED INSURED: True North Compliance Services, Inc. POLICY NUMBER: 0133A 14022 The following are mandatory forms on the policy identified on the Certificate of Insurance: 391-1586 (08-16) BUSINESSOWNERS GENERAL LIABILITY SUPPLEMENTARY ENDORSEMENT Additional Insured by Contract, Agreement or Permit A, Section 11— Liability, C—Who is an insured is amended to include as an additional insured any person or organization with whom you agreed in a written contract,written agreement or permit but only respect to liability for"bodily injury","property damage" or"personal and advertising injury" caused, in whole or in part, by your acts or omissions; or the acts or omissions of those acting on your behalf, but only with respect to: (I) "Your work"for the additional insured(s)designated in the contract, agreement or permit including"bodily injury" or"property damage"included in the"products-completed operations hazard"only if this Coverage Part provides such coverage; (ii) Premises you own, rent, lease, or occupy;or (iii) Your maintenance, operation or use of equipment leased to you. *Definition: "Your work"a. Means: (1)Work or operations performed by you or on behalf;and(2)materials, parts or equipment furnished In connection with such work or operations; b. Includes(1)warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your work"; and (2)the providing of or failure to provide warnings or instructions. This provision does not apply: (1) Unless the written contract or written agreement has been executed or permit has been issued prior to the "bodily Injury", "property damage", "personal injury"or"advertising injury". (2)To any person or organization Included as an Insured by an endorsement Issued by us and made part of this Coverage Park. (3) To any lessor of equipment (a) After the equipment lease expires; or (b) If the "bodily Injury", "property damage", "personal injury"or"advertising Injury"arises out of sole negligence of the lessor. (4)To any: (a) Owners or other Interests from whom land has been leased which takes place after the lease for the land expires; or(b) Managers or lessors of premises if: (i) The occurrence takes place after you cease to be a tenant in that premises; or (ii) The "bodily injury", "property damage", "personal injury" or "advertising injury" arises out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor. (5) To "bodily injury", "property damage" or"personal and advertising injury" arising out of the rendering of or failure to render any professional services. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any professional services by or for you, Other Insurance Primary& Non-Contributory The following paragraph is added to SECTION III--COMMON POLICY CONDITIONS,H--Other Insurance:Additional Insured —Primary and Non-Contributory. If you agree in a written contract, written agreement or permit that the insurance provided to any person or organization included as an Additional Insured under SECTION 11—Liability, C.Who is an Insured is primary and non-contributory, the following applies: If other valid and collectible insurance is available to the Additional Insured for a loss covered under SECTION 11—LIABILITY of this Coverage Part, our obligations are limited as follows: (1) Primary Insurance: This insurance is primary to other insurance that is available to the Additional Insured which covers the Additional Insured as a Named Insured. We will not seek contribution from any other insurance available to the Additional Insured except: (a) For the sole negligence of the Additional Insured; (b) When the Additional Insured is an Additional Insured under another primary liability policy; or (c) When b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. (2) Excess Insurance: (a)This insurance is excess over any of the other insurance,whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for"your work' (ii) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner; No coverage is provided by this Notice,nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(Including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 839CI4623 124-25 GL-AL-UMB-WC-PL I Sherry Young 12/10/2025 2:09:59 PM (PST) I Page 2 of 7 (Ili) That is insurance purchased by the Additional Insured to cover the Additional Insured's liability as a tenant for "property damage"to premises rented to the Additional Insured or temporarily occupied by the Additional with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos"or watercraft to the extent not subject to Exclusion g. of SECTION II- LIABILITY. B. Exclusions, 1.Applicable to Business Liability Coverage. (v) That is insurance available to you for your participation in any past or present"unnamed joint venture". (A) That is any insurance you may have that provides coverage for your professional services. (b)When this insurance is excess, we will have no duty to defend the insured against any"suit"if any other insurer has a duty to defend the insured against that"suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (c)When this insurance is excess over other Insurance,we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (ii)The total of all deductible and self-insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage part. (3) Method Of Sharing If all of the other insurance permits contribution by equal shares,we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of Insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. Per Project Aggregate The following changes are made to SECTION II -LIABILITY: 1.The following is added to SECTION II -LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 4: The Aggregate Limits of Insurance apply separately to each of"your projects"or each "location" listed in the Declarations. 2. For the purpose of coverage provided by this endorsement only,the following is added to SECTION II -LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Your project" means: a.Any premises, site or"location" at, on, or in which "your work" is not yet completed; and b. Does not include any"location" listed in the Declarations. 2."Location"means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and, b. Separately to each insured against whom claim is made or"suit"is brought. Waiver Of Subrogation The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition (Section IV—COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following: We waive any right of recovery we may have against the person or organization where required by written contract because of payments we make for injury or damage arising out of your ongoing operations or"your work" done under a contract with that person or organization and included in the"products-completed operations hazard". This waiver applies only to the person or organization where required by written contract. Notice Of Cancellation For any statutorily permitted reason other than non-payment of premium,the number of days required for notice of cancellation, as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement, is increased to 30 Days. AUTHORIZED REPRESENTATIVE *From Hanover Forms. 391-1003(08116);391-1445 (08116);391-1586(08116),391-1003(08116) No coverage is provided by this Notice,nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 93904623 124-25 GL-AL-0M3-WC-PL Sherry Young 12/10/2025 2:09:59 PM (PST) I Page 3 of 7 OB3J114022 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we 1. The first Named Insured shown in the find; and Declarations may cancel this policy by c. Recommend changes. mailing or delivering to us advance written 2. We are not obligated to make any notice of cancellation. inspections, surveys, reports or 2. We may cancel this policy by mailing or recommendations and any such actions we delivering to the first Named Insured written do undertake relate only to insurability and notice of cancellation at least: the premiums to be charged. We do not a. 10 days before the effective date of make safety inspections. We do not cancellation if we cancel for nonpayment undertake to perform the duty of any person of premium; or or organization to provide for the health or safety of workers or the public. And we do b. 30 days before the effective date of not warrant that conditions: cancellation if we cancel for any other reason. a Are safe or healthful or 3. We will mail or deliver our notice to the first b. Comply with laws, regulations, codes or Named Insured's last mailing address known standards. to us. 3. Paragraphs 1. and 2. of this condition apply 4. Notice of cancellation will state the effective not only to us, but also to any rating, date of cancellation. The policy period will advisory, rate service or similar organization end on that date. which makes insurance inspections, surveys, reports or recommendations. 5. If this policy is cancelled, we will send the first Named Insured any premium refund 4. Paragraph 2. of this condition does not apply due. If we cancel, the refund will be pro rats. to any inspections, surveys, reports or If the first Named Insured cancels, the refund recommendations we may make relative to may be less than pro rata. The cancellation certification, under state or municipal will be effective even if we have not made or statutes, ordinances or regulations, of offered a refund. boilers, pressure vessels or elevators. 6. If notice is mailed, proof of mailing will be E. Premiums sufficient proof of notice. The first Named Insured shown in the B. Changes Declarations: This policy contains all the agreements between 1. Is responsible for the payment of all you and us concerning the insurance afforded. premiums; and The first Named Insured shown in the 2. Will be the payee for any return premiums Declarations is authorized to make changes in we pay. the terms of this policy with our consent. This F. Transfer Of Your Rights And Duties Under This policy's terms can be amended or waived only Policy by endorsement issued by us and made a part of this policy. Your rights and duties under this policy may not C. Examination Of Your Books And Records be transferred without our written consent except in the case of death of an individual We may examine and audit your books and named insured. records as they relate to this policy at any time during the policy period and up to three years If you die, your rights and duties will be transferred to your legal representative but only afterward. while acting within the scope of duties as your D. Inspections And Surveys legal representative. Until your legal 1. We have the right to: representative is appointed, anyone having proper temporary custody of your property will a. Make inspections and surveys at any have your rights and duties but only with time; respect to that property. IL 00 17 11 98 Comi9ht, Insurance Services Office, Inc., '1998 Page 1 of 1 B3904623 24-25 GL-AL-1JMe-WC-PL Sherry Young 2/10/200. 2:09!59 PM (PST) Page 4 of 7 H a71ie nover Insurance Group.. BUSINESSOWNERS DECLARATION BUSINESSOWNERS AMENDED DECLARATIONS EFFECTIVE 08127/2.024 NUMBER 01 33 SUPERSEDES ANY PREVIOUS DECLARATIONS BEARING THE SAME NO.FOR THIS POLICY PERIOD ADDED LOC 5 Policy Number Policy Period Coverage is Provided in the Agency Code From To 0133-J114022-02 08/27/2024 08/27/2025 CITIZENS INSURANCE COMPANY OF AMERICA 100158600 Named Insured and Address Agent TRUE NORTH COMPLIANCE SERVICES 949-242-9240 SERVICES, INC. RSC INSURANCE BROKERAGE 3939 ATLANTIC AVE STE 224 INC. LONG BEACH, CA 90807 2040 MAIN ST STE 450 IRVINE, CA 92614 Policy Period: Beginning and Ending at 12:01 a.m. Standard Time at the Location of the Described Premises. Business Type: ASSOCIATION. Mortgagee/Loss Payable: Business of the Named Insured: OFFICE. In consideration of the premium, insurance is provided the Named Insured with respect to those premises described in the Schedule below and with respect to those coverages and kinds of property for which a specific Limit of Insurance is shown, subject to all of the terms of this policy including forms and endorsements made a part hereof: LOCATION SCHEDULE Described Premises: NO.001 001 3939 ATLANTIC AVE, LONG BEACH, CA 90807 NO.002001 990 HIGHLAND DR}VE, SOLANA BEACH,CA 92075 NO.003 001 1336 N CAROLAN AVE, BURONGAME, CA 94010 SEE FORM 391-1013 FOR ADDITIONAL PREMISES. SECTION I-PROPERTY LIMITS OF INSURANCE Loc No 001 1 Bldg No 001 Loc No 002 1 Bldg No 001 Loc No 003 Bldg No 001 Deductible Amount $ 500 $ 500 $ 500 Building Amount NOT COVERED NOT COVERED NOT COVERED Valuation Business Personal $ 11 s,s 0 0 $ 29, 700 $ 29, 700 Property Valuation RC RC RC Business Income ACTUAL BUSINESS LOSS SUSTAINED NOT EXCEEDING 12 CONSECUTIVE MONTHS Business Income Excluded / None 124 hours /48 hours /72 hours Waiting Period 48 HOURS SECTION II-LIABILITY LIMITS OF INSURANCE Liability and Medical Expenses Limits of Insurance: Except for Damage to Premises Rented to You, each paid claim for the following coverages reduce the Amount of Insurance we provide during the applicable annual period. Please refer to SECTION II-LIABILITY,D.LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE, paragraph.4. of the Businessowners Coverage Form. Liability and Medical Expenses Limit $ 2, 000, 000 Per Occurrence $ 4,000, coo Aggregate Medical Expenses $ 5, 000 Each Person Damage to Premises Rented to You $ 1, 000, 000 All Perils Date Issued: 06/28/2024 ORIGINAL/INSURED Payment Type: ELECTRONIC EXCHANGE GROUT'NAME:ARCHITECTS & ENGINEERS GROUP NUMBER: ZJE 391-1002 08 16 Page 1 of 2 83904623 124-25 GL-AL-❑MH-WC-PL I Sherry Young 1 2/10/2025 2:09;59 PM {PSTJ I page 5 of 7 Insured: True North Compliance Services, Inc. Policy No.: AW 3J 248741 14. AUTO LOAN PHYSICAL DAMAGE imposed under a lease for excessive use, EXTENSION abnormal wear and tear or high mileage; security deposits not refunded by the lessor; The following is added to SECTION Ill - cost for extended warranties,Credit Life PHYSICAL DAMAGE COVERAGE, C. Insurance, Health,Accident or Disability Limit Of Insurance provision: Insurance purchased with the loan; and carry over balances from previous leases. When a 'loss"results in a total loss to a covered auto you own for which a Loss This coverage applies only to the initial Payee is designated in this policy,the most lease for the covered "auto"which has not we will pay for"loss" in any one "accident"is previously been leased. This coverage is the greater of: excess over all other collectible insurance. 1. The actual cash value of the SECTION IV-CONDITIONS damaged or stolen property as of the time of the"loss";or 16. DUTIES IN THE EVENT OF ACCIDENT,CLAIM, SUIT OR LOSS 2. The outstanding balance of the initial loan, less any amounts for The following is added to SECTION IV- taxes, overdue payments, overdue BUSINESS AUTO CONDITIONS,A. Loss payment charges, penalties, Conditions,2. Duties In The Event Of interest, any charges for early Accident, Claim, Suit Or Loss: termination of the loan, costs for Credit Life Insurance, Health, d. Knowledge of any"accident", Accident or Disability Insurance claim, "suit"or"loss"will be purchased with the loan, and deemed knowledge by you when carry-over balances from previous notice of such"accident", loans. claim, "suit"or"loss"has been received by: 15. AUTO LEASE PHYSICAL DAMAGE EXTENSION (1) You, if you are an individual; (2) Any partner or insurance The following is added to SECTION III - manager if you are a PHYSICAL DAMAGE COVERAGE, C. partnership;or Limit Of Insurance provision: (3) An executive officer or insurance manager if you are If, because of damage,destruction or theft of a corporation. a covered"auto",which is a long-term leased"auto",the lease agreement between 17. BLANKET WAIVER OF you and the lessor is terminated,"we"will SUBROGATION pay the difference between the amount paid under paragraph C. LIMIT OF INSURANCE Paragraph 5.Transfer Of Rights Of 1. or 2. and the amount due at the time of Recovery Against Others To Us, "loss" under the terms of the lease SECTION IV-BUSINESS AUTO agreement applicable to the leased "auto" CONDITIONS,A. Loss Conditions is which you are required to pay: less any fees replaced by the following: to dispose of the auto; any overdue payments;financial penalties Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) 83904623 24-25 M-AL-OMB-WC-PL Sherry Young 2/10/2025 2,09r59 PM (PST) Page 6 of 7 Insured: True North Compliance Services, Inc. Policy No.: AW3J248741 5. Transfer Of Rights Of Recovery 19. HIRED AUTO-WORLDWIDE Against Others To Us COVERAGE If any person or organization to or The following is added to SECTION IV- for whom we make payment under Business Auto Conditions,B. General this Coverage Form has rights to Conditions,paragraph 7. Policy Period, recover damages from another, Coverage Territory provision: which have not been waived through the execution of an "insured e. Outside the coverage territory contract",written agreement,or described in a., b., c., and d. permit, prior to the "accident"or above for an"accident'or"loss" "loss"giving rise to the payment, resulting from the use of a those rights to recover damages covered "auto'you hire, without a from another are transferred to us, driver,or your employee hires That person or organization must do without a driver, at your direction, everything necessary to secure our for the purpose of conducting your rights and must do nothing after the business,for a period of 30 days "accident"or"loss" to impair them. or less, provided the suit is brought within The United States 18. UNINTENTIONAL FAILURE TO of America or its territories or DISCLOSE INFORMATION possessions. The following is added to SECTION IV SECTION V-DEFINITIONS BUSINESS AUTO CONDITIONS.B. General Conditions, paragraph 2. 20. MENTAL ANGUISH Concealment,Misrepresentation Or Fraud: Paragraph C."Bodily injury",SECTION V- DEFINITIONS is replaced by the following: Your unintentional error in disclosing, or failure to disclose, any material fact C. 'Bodily injury" means bodily injury, existing after the effective date of this sickness or disease sustained by a Coverage Form shall not prejudice your person including death or mental rights under this Coverage Form. anguish resulting from any of these. However,this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. Includes copyrighted material of Insurance Services Office, Inc. with its permission. 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THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT Risk Strategies Company PHONE NAMESherr Young FAX 2040 Main Street, Suite 450 A/c No Ext: 949-242-9237 A/c No): Irvine, CA 92614 ADDRESS: syoung@risk-strategies.com INSURER(S)AFFORDING COVERAGE NAIC# www.risk-strategies.com CA DOI License No.OF06675 INSURERA: Citizens Insurance Company of America 31534 INSURED INSURERB: Allmerica Financial Benefit Insurance Co 41840 True North Compliance Services, Inc. INSURERC: The Hanover American Insurance Company 36064 3355 E Spring Street, Suite 302 Long Beach CA 90806 INSURERD: Westfield National Insurance Company 24120 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 88114468 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSD WVD POLICYNUMBER MM/DD MM/DD A / COMMERCIAL GENERAL LIABILITY / / OB3J114022 8/27/2025 8/27/2026 EACH OCCURRENCE $2,000,000 Am CLAIMS-MADE Iv] OCCUR PREM SESOEa occurrDence $1,000,000 MED EXP(Any one person) $5,000 PERSONAL&ADV INJURY $2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERALAGGREGATE $4,000,000 POLICY ✓� ECT LOC PRODUCTS-COMP/OPAGG $4,000,000 1� PRO- OTHER: $ B AUTOMOBILE LIABILITY ✓ ✓ AW3J248741 12/9/2025 12/9/2026 EOa aBcideDtSINGLE LIMIT $1,000,000 ✓ ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ ✓ AUTOS ONLY ✓ AUTOS ONLY Per accident A / UMBRELLA LAB / OCCUR OB3J114022 8/27/2025 8/27/2026 EACH OCCURRENCE $2,000,000 EXCESS LAB CLAIMS-MADE AGGREGATE $2,000,000 DED ✓ RETENTION$0 $ C WORKERS COMPENSATION ✓ WZ3J114000 8/27/2025 8/27/2026 SPER TATUTE OERH AND EMPLOYERS'LIABILITY Y/N ANYPROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBER EXCLUDED? ❑ N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $1 000 000 If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $1,000,000 D Professional Liability ✓ ADP0000828 8/27/2025 8/27/2026 Per Claim $2,000,000 Full Prior Acts Aggregate $4,000,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,maybe attached if more space is required) Digitally signed Tu Tran by Tu Tran Projects as on file with the insured including but not limited to Building Safety Services. Nguyen The City of Santa Ana, its officers,officials,employees,and volunteers are named as additional insureds and Nguyen Date:2025.12.04 primary/non-contributory clause applies to the general and auto liability policies and a waiver of subrogation applies to the 10:05:56-08'00' general,auto,work comp and professional liability policies-see attached endorsements. APPROVED CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen at 10:05 am,Dec 04,21025 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Planning and Building Agency ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza Santa Ana CA 92702 AUTHORIZED REPRESENTATIVE RSC Insurance Brokerage ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD 88114468 125-26 GL-AL-UMB-WC-PL I Sherry Young 112/2/2025 6:00:03 AM (PST) I Page 1 of 15 Architects and Engineers The following policy language is from Businessowners General Liability Coverage Part NAMED INSURED: True North Compliance Services, Inc. POLICY NUMBER: OB3J114022 The following are mandatory forms on the policy identified on the Certificate of Insurance: 391-1586 (08-16) BUSINESSOWNERS GENERAL LIABILITY SUPPLEMENTARY ENDORSEMENT Additional Insured by Contract, Agreement or Permit A. Section II — Liability, C—Who is an insured is amended to include as an additional insured any person or organization with whom you agreed in a written contract,written agreement or permit but only respect to liability for"bodily injury", "property damage" or"personal and advertising injury" caused, in whole or in part, by your acts or omissions; or the acts or omissions of those acting on your behalf, but only with respect to: (i) "Your work"for the additional insured(s) designated in the contract, agreement or permit including "bodily injury" or"property damage" included in the "products-completed operations hazard"only if this Coverage Part provides such coverage; (i i) Premises you own, rent, lease, or occupy; or (iii) Your maintenance, operation or use of equipment leased to you. *Definition: "Your work" a. Means: (1) Work or operations performed by you or on behalf; and (2) materials, parts or equipment furnished in connection with such work or operations; b. Includes (1) warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of"your work"; and (2) the providing of or failure to provide warnings or instructions. This provision does not apply: (1) Unless the written contract or written agreement has been executed or permit has been issued prior to the "bodily Injury", "property damage", "personal injury" or"advertising injury". (2)To any person or organization Included as an Insured by an endorsement Issued by us and made part of this Coverage Part. (3) To any lessor of equipment (a) After the equipment lease expires; or (b) If the "bodily Injury", "property damage", "personal injury" or"advertising Injury" arises out of sole negligence of the lessor. (4) To any: (a) Owners or other Interests from whom land has been leased which takes place after the lease for the land expires; or (b) Managers or lessors of premises if: (i) The occurrence takes place after you cease to be a tenant in that premises; or (ii) The "bodily injury", "property damage", "personal injury" or "advertising injury" arises out of structural alterations, new construction or demolition operations performed by or on behalf of the manager or lessor. (5) To "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to render any professional services. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage" or the offense which caused the "personal and advertising injury" involved the rendering of or failure to render any professional services by or for you. Other Insurance Primary & Non-Contributory The following paragraph is added to SECTION III—COMMON POLICY CONDITIONS, H—Other Insurance:Additional Insured — Primary and Non-Contributory. If you agree in a written contract, written agreement or permit that the insurance provided to any person or organization included as an Additional Insured under SECTION II—Liability, C. Who is an Insured is primary and non-contributory, the following applies: If other valid and collectible insurance is available to the Additional Insured for a loss covered under SECTION II— LIABILITY of this Coverage Part, our obligations are limited as follows: (1) Primary Insurance: This insurance is primary to other insurance that is available to the Additional Insured which covers the Additional Insured as a Named Insured. We will not seek contribution from any other insurance available to the Additional Insured except: (a) For the sole negligence of the Additional Insured; (b) When the Additional Insured is an Additional Insured under another primary liability policy; or (c) When b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. (2) Excess Insurance: (a) This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for"your work"; (i i) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional Insured with permission of the owner; No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 88114468 125-26 GL-AL-UMB-WC-PL I Sherry Young 112/2/2025 6:00:03 AM (PST) I Page 2 of 15 (iii) That is insurance purchased by the Additional Insured to cover the Additional Insured's liability as a tenant for "property damage"to premises rented to the Additional Insured or temporarily occupied by the Additional with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, "autos"or watercraft to the extent not subject to Exclusion g. of SECTION II - LIABILITY. B. Exclusions, 1.Applicable to Business Liability Coverage. (v) That is insurance available to you for your participation in any past or present"unnamed joint venture". (vi) That is any insurance you may have that provides coverage for your professional services. (b)When this insurance is excess, we will have no duty to defend the insured against any"suit" if any other insurer has a duty to defend the insured against that"suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (c) When this insurance is excess over other Insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (i)The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (ii) The total of all deductible and self-insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage part. (3) Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. Per Project Aggregate The following changes are made to SECTION II - LIABILITY: 1. The following is added to SECTION II -LIABILITY, D. Liability and Medical Expenses Limits of Insurance, paragraph 4: The Aggregate Limits of Insurance apply separately to each of"your projects"or each "location" listed in the Declarations. 2. For the purpose of coverage provided by this endorsement only, the following is added to SECTION II -LIABILITY, F. Liability and Medical Expenses Definitions: 1. "Your project" means: a.Any premises, site or"location" at, on, or in which "your work" is not yet completed; and b. Does not include any"location" listed in the Declarations. 2. "Location" means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and, b. Separately to each insured against whom claim is made or"suit" is brought. Waiver Of Subrogation The TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US Condition(Section IV—COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following: We waive any right of recovery we may have against the person or organization where required by written contract because of payments we make for injury or damage arising out of your ongoing operations or"your work" done under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to the person or organization where required by written contract. Notice Of Cancellation For any statutorily permitted reason other than non-payment of premium, the number of days required for notice of cancellation, as provided in paragraph 2. of either the CANCELLATION Common Policy Condition or as amended by an applicable state cancellation endorsement, is increased to 30 Days. AUTHORIZED REPRESENTATIVE *From Hanover Forms: 391-1003(08116);391-1445 (08116);391-1586(08116),391-1003(08116) No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy(including its endorsements). If there is any conflict between this Notice and the policy(including the endorsements),the provisions of the policy(including its endorsements)shall prevail. 88114468 125-26 GL-AL-UMB-WC-PL I Sherry Young 112/2/2025 6:00:03 AM (PST) I Page 3 of 15 OB3J114022 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we 1. The first Named Insured shown in the find; and Declarations may cancel this policy by c. Recommend changes. mailing or delivering to us advance written 2. We are not obligated to make any notice of cancellation. inspections, surveys, reports or 2. We may cancel this policy by mailing or recommendations and any such actions we delivering to the first Named Insured written do undertake relate only to insurability and notice of cancellation at least: the premiums to be charged. We do not a. 10 days before the effective date of make safety inspections. We do not cancellation if we cancel for nonpayment undertake to perform the duty of any person of premium; or or organization to provide for the health or safety of workers or the public. And we do b. 30 days before the effective date of not warrant that conditions: cancellation if we cancel for any other a. Are safe or healthful; or reason. 3. We will mail or deliver our notice to the first b. Comply with laws, regulations, codes or Named Insured's last mailing address known standards. to us. 3. Paragraphs 1. and 2. of this condition apply 4. Notice of cancellation will state the effective not only to us, but also to any rating, date of cancellation. The policy period will advisory, rate service or similar organization end on that date. which makes insurance inspections, surveys, 5. If this policy is cancelled, we will send the reports or recommendations. first Named Insured any premium refund 4. Paragraph 2. of this condition does not apply due. If we cancel, the refund will be pro rata. to any inspections, surveys, reports or If the first Named Insured cancels, the refund recommendations we may make relative to may be less than pro rata. The cancellation certification, under state or municipal will be effective even if we have not made or statutes, ordinances or regulations, of offered a refund. boilers, pressure vessels or elevators. 6. If notice is mailed, proof of mailing will be E. Premiums sufficient proof of notice. The first Named Insured shown in the B. Changes Declarations: This policy contains all the agreements between 1. Is responsible for the payment of all you and us concerning the insurance afforded. premiums; and The first Named Insured shown in the 2. Will be the payee for any return premiums Declarations is authorized to make changes in we pay. the terms of this policy with our consent. This F. Transfer Of Your Rights And Duties Under This policy's terms can be amended or waived only Policy by endorsement issued by us and made a part of this policy. Your rights and duties under this policy may not be transferred without our written consent C. Examination Of Your Books And Records except in the case of death of an individual We may examine and audit your books and named insured. records as they relate to this policy at any time If you die, your rights and duties will be during the policy period and up to three years transferred to your legal representative but only afterward. while acting within the scope of duties as your D. Inspections And Surveys legal representative. Until your legal 1. We have the right to: representative is appointed, anyone having proper temporary custody of your property will a. Make inspections and surveys at any have your rights and duties but only with time; respect to that property. 88114468 IL 00 17 1198 _Pz Sherry Young Copyr0ight,o Insuranpce Services Office, Inc., 1998 Page 1 of 1 Hanover Insurance Group.. BUSINESSOWNERS DECLARATION BUSINESSOWNERS RENEWAL DECLARATIONS 33 RENEWAL OF OB3 J114022 Policy Number Policy Period Coverage is Provided in the Agency Code From To OB3-J114022-03 08/27/2025 08/27/2026 CITIZENS INSURANCE COMPANY OF AMERICA 100158600 Named Insured and Address Agent TRUE NORTH COMPLIANCE SERVICES 949-242-9240 SERVICES, INC. RSC INSURANCE BROKERAGE 3355 E SPRING ST, STE 302 INC. LONG BEACH CA 90806 2040 MAIN ST STE 450 IRVINE, CA 92614 Policy Period: Beginning and Ending at 12:01 a.m. Standard Time at the Location of the Described Premises. Business Type: ASSOCIATION. Mortgagee/Loss Payable: Business of the Named Insured: OFFICE. In consideration of the premium, insurance is provided the Named Insured with respect to those premises described in the Schedule below and with respect to those coverages and kinds of property for which a specific Limit of Insurance is shown, subject to all of the terms of this policy including forms and endorsements made a part hereof: LOCATION SCHEDULE Described Premises: NO. 001 001 3939 ATLANTIC AVE, LONG BEACH, CA 90807 NO. 002 001 990 HIGHLAND DRIVE, SOLANA BEACH, CA 92075 NO. 003 001 1336 N CAROLAN AVE, BURLINGAME, CA 94010 SEE FORM 391-1013 FOR ADDITIONAL PREMISES. SECTION I - PROPERTY LIMITS OF INSURANCE Loc No 001 Bldg No 001 Loc No 002 Bldg No 001 Loc No 003 Bldg No 001 Deductible Amount $ 500 $ 500 $ 500 Building Amount NOT COVERED NOT COVERED NOT COVERED Valuation Business Personal $ 128,304 $ 32,076 $ 32,076 Property Valuation RC RC RC Business Income ACTUAL BUSINESS LOSS SUSTAINED NOT EXCEEDING 12 CONSECUTIVE MONTHS Business Income Excluded / None / 24 hours /48 hours /72 hours Waiting Period 48 HOURS SECTION II - LIABILITY LIMITS OF INSURANCE Liability and Medical Expenses Limits of Insurance: Except for Damage to Premises Rented to You, each paid claim for the following coverages reduce the Amount of Insurance we provide during the applicable annual period. Please refer to SECTION II - LIABILITY, D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE, paragraph.4. of the Businessowners Coverage Form. Liability and Medical Expenses Limit $ 2,0 0 0,0 0 0 Per Occurrence $ 4,0 0 0,0 0 0 Aggregate Medical Expenses $ 51000 Each Person Damage to Premises Rented to You $ 1,000,000 All Perils Date Issued: 06/24/2025 ORIGINAL/INSURED Payment Type: ELECTRONIC EXCHANGE GROUP NAME:ARCHITECTS & ENGINEERS GROUP NUMBER: ZJE 391-1002 08 16 Page 1 of 2 88114468 1 25-26 GL-AL-UMB-WC-PL I Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 5 of 15 POLICY NO. : AW3J248741 True North Compliance Services, Inc. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BLANKET ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM A. The following is added to SECTION II — LIABILITY COVERAGE, Paragraph A.1. Who Is If you agree in a written contract, written An Insured: agreement or written permit that the insurance Additional Insured if Required by Contract provided to a person or organization who qualifies If you agree in a written contract, written as an additional "insured" under SECTION II — agreement or written permit that a person or LIABILITY COVERAGE, Paragraph A.1. Who Is organization be added as an additional "insured" An Insured, subparagraph Additional Insured if under this Coverage Part, such person or Required by Contract is primary and non- organization is an "insured"; but only to the extent contributory, the following applies: that such person or organization qualifies as an The liability coverage provided by this Coverage "insured" under paragraph A.1.c. of this Section. Part is primary to any other insurance available to If you agree in a written contract, written the additional "insured" as a Named Insured. We agreement or written permit that a person or will not seek contribution from any other insurance organization be added as an additional "insured" available to the additional "insured" except: under this Coverage Part, the most we will pay on (1) For the sole negligence of the additional behalf of such additional "insured" is the lesser of: "insured"; or (1) The Limits of Insurance for liability coverage (2) For negligence arising out of the ownership, specified in the written contract, written maintenance or use of any "auto" not owned agreement or written permit; or by the additional "insured" or by you, unless (2) The Limits of Insurance for Liability Coverage that "auto" is a "trailer" connected to an "auto" shown in the Declarations applicable to this owned by the additional "insured" or by you; or Coverage Part. (3) When the additional "insured" is also an Such amount shall be part of and not in addition to additional "insured" under another liability the Limits of Insurance shown in the Declarations policy. applicable to this Coverage Part. Regardless of C. This endorsement will apply only if the "accident" the number of covered "autos", "insureds", occurs: premiums paid, claims made or vehicles involved 1. During the policy period; in the "accident", the most we will pay for the total of all damages and "covered pollution cost or 2. Subsequent to the execution of the written expense" combined resulting from any one contract or written agreement or the issuance "accident" is the Limit of Insurance for Liability of the written permit; and Coverage shown in the Declarations. 3. Prior to the expiration of the period of time that B. The following is added to SECTION IV — the written contract, written agreement or BUSINESS AUTO CONDITIONS, Paragraph B. written permit requires such insurance to be General Conditions, subparagraph 5. Other provided to the additional "insured". Insurance: D. Coverage provided to an additional "insured" will Primary and Non-Contributory not be broader than coverage provided to any other"insured" under this Coverage Part. ALL OTHER TERMS, CONDITIONS, AND EXCLUSIONS REMAIN UNCHANGED. Page 1 of 1 461-0478 12 12 Includes copyrighted material of ISO Insurance Services Office, Inc.,with its permission 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 112/2/2025 6:00:03 AM (PST) I Page 6 of 15 AW3J248741 True North Compliance Services,Inc. Hanover Insur:uice THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. BUSINESS AUTO COVERAGE BROADENING ENDORSEMENT This endorsement modifies insurance provided under the following. BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. I. CANCELLATION EXTENSION d. Any business entity for which you Paragraph A. CANCELLATION 2. b. of the have a financial interest greater COMMON POLICY CONDITIONS is than 50% of the voting stock or replaced with the following: otherwise have a controlling b. 60 days before the effective date interest after the effective date of of cancellation if we cancel for this policy or that is newly any other reason. acquired or formed by you during the term of this policy. SECTION I - COVERED AUTOS The coverage provided by this 2. EMPLOYEE HIRED "AUTOS" provision is afforded until Description Of Covered Auto expiration or termination of Designation Symbols; Symbol 8 is this policy, whichever occurs replaced by the following: earlier. 8 = Hired "Autos" Only - Only those The coverage provided by thk "autos" you lease, hire, rent or borrow; provision does not apply to including "autos" your employee hires at any business entity described your direction, for the purpose of in d. above that qualifies as an conducting your business. This does not insured under any other include any "auto" you lease, hire, rent, or automobile liability policy borrow from any of your "employees" or issued to that business entity partners or members of their households. as a named insured or would have been an insured except SECTION II -LIABILITY COVERAGE for the exhaustion of the policy limits or the insolvency 3. BROADENED NAMED INSUREDS of the insurer. The following is added to the SECTION Ill, - The coverage provided by this: LIABILITY COVERAGE, Paragraph 1. Who provision does not apply to Is An Insured provision: "bodily injury" nor "property damage" arising from an accident that occurred prior to your acquiring or forming the business entity described in d. above. 1nc[udes.copyrighted material of Insurance Services Office, Inc with its permission, Copyright, Insurance Services Office, Inc., 1996 461'0155 (9-97), Page 1 of 7 88114468 25-26 GL-AL-UMB-WC-PL Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 7 of 15 4. EMPLOYEES AS INSUREDS SECTION III - PHYSICAL DAMAGE COVERAGE. The following is added to the SECTION II - LIABILITY COVERAGE, Paragraph 1. Who 7. EXPENSE OF RETURNING A STOLEN Is An Insured provision: "AUTO" and SIGN COVERAGE �e. Any employee of yours is an The following is added to SECTION III - "insured" while using a covered PHYSICAL DAMAGE COVERAGE,A.1. "auto" you do not own, hire or COVERAGE: borrow in your business or your personal affairs. d. Expense Of-Returning A Stolen "Auto" ., 'SUPPLEMENTARY PAYMENTS The following amends SECTION II - We will pay for the expense of LIABILITY COVERAGE, Paragraph 2 returning a covered "auto' to you, Coverage Extensions provision: Sign Coverage Paragraph (2) is replaced by the following: We will pay for loss to signs, (2) Up to $2500 for cost of bail bonds murals, paintings or graphics, (including bonds for related traffic as part of equipment, which are law violations) required because displayed on a covered "auto'. of an "accident" we cover. We do not have to furnish these bonds. The most we will pay for "loss" in Paragraph (4) is replaced by the following: any one "accident" is the lesserof: (4) All reasonable expenses incurred by the "insured" at our request, T The actual cash value of including actual loss of earnings the property as of the up to $500 a day because of time time of the "loss"; or off from work. Z The cost of repairing or replacing the damaged or 6. AMENDED FELLOW EMPLOYEE stolen property with other EXCLUSION property of like kind and The following is added to the SECTION Ill, quality; or - $2,000. LIABILITY COVERAGE, B. Exclusions Paragraph 5. Fellow Employee exclusions 8. GLASS BREAKAGE DEDUCTIBLE This exclusion does not apply if the The following is added to SECTION III bodily injury arises from the use of a PHYSICAL DAMAGE COVERAGE,A. covered "auto' you own or hire. This COVERAGE paragraph 3. Glass Breakage coverage is excess over any other Hitting a Bird or Animal - Falling Objects collectible insurance or Missiles: Any deductible shown in the Declarations as applicable to the Includes copyrighted material of Insurance Services Office, Inc. with its permission Copyright, Insurance Services Office, Inc., 1996 461 0155 49-9-� Page 2 of 7 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 8 of 15 H af l�' an over lnsunince C1011 p.- covered "auto" will not apply to glass, direction, for the purpose of breakage if such glass is repaired, conducting your business, for a rather than replaced. period of 30 days or less, of like kind and use as the "autos" you .. TRANSPORTATION EXPENSE own, subject to the following: Paragraph 4. Coverage Extension. of The most we will pay for any orie SECTION III - PHYSICAL DAMAGE loss is the lesser of the following: COVERAGE, A. COVERAGE is replaced with the following: a. $50,000 per accident, or b. cash value, or Coverage Extension c the cost of repair We will pay up to $50 per day to a minus the deductible equal to the maximum of$1500 for temporary lowest deductible applicable to transportation expense incurred any owned "auto' for that by you because of the total theft of coverage. Any deductible shown a covered "auto" of the private in the Declarations does not apply passenger type. We will pay only to "loss" caused by fire or for those covered "autos" for lightning. Subject to the limit and which you carry either deductible stated above, we will Comprehensive or Specified provide coverage equal to the Causes of Loss Coverage. We will broadest coverage provided to pay for temporary transportation any covered "auto" you own, that expenses incurred during the is applicable to the loss period beginning 24 hours after the theft and ending, regardless of If the loss arises from an accident the policy s expiration, when the for which you are legally liable covered "auto" is returned to use and the lessor incurs an actual or we pay for its "loss". financial loss from that accident, we will cover the lessor s actual 10. HIRED AUTO PHYSICAL DAMAGE financial loss of use of the hired "auto" for a period of up to seven The following is added to SECTION III - consecutive days from the date of PHYSICAL DAMAGE COVERAGE,A. the accident, subject to a limit of ,OVERAGE: $1,000 per accident. ffiP Faired Auto Physical Damage i1. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE If hired "autos" are covered "autos" for Liability Coverage and The following is added to SECTION III - if Physical Damage Coverage of PHYSICAL DAMAGE COVERAGE,A. Comprehensive, Specified Causes COVERAGE: of Loss, or Collision is provided under this Coverage Form for any 6. Audio, Visual and Data Electronic "auto' you own, then the Physical Equipment Coverage Damage Coverage(s) provided is extended to "autos" you hire We will pay for "loss" to any without a driver or your employee electronic equipment that receives hires, without a driver, at your Includes copyrighted material of Insurance Services Office, Inc. with its permission Copyright, Insurance Services Office, Inc., 1996 461 0155 (9-97) Page 3 of 7 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 9 of 15 or transmits audio, visual or data equipment is permanently signals and that is not designed installed in the covered solely for the reproduction of "auto". and sound. This coverage applies b Permanently installed only if the equipment is in the opening of the dash permanently installed in the or console normally used covered "auto" at the time of the by the manufacturer for "loss" or the equipment is the installation of a radio. removable from a housing unit which is permanently installed in With respect to coverage herein, the covered auto at the time of the LIMIT OF INSURANCE the "loss", and such equipment is provision of PHYSICAL DAMAGE designed to be solely operated by COVERAGE is replaced by the use of the power from the "auto s" following: electrical system, in or upon the covered "auto", including its 1 The most we will pay for all antennas and other accessories, "loss" to audio, visual or data However this does not include electronic equipment and any tapes, records or discs. accessories used with this equipment as a result of any The exclusions that apply to one "accident" is the lesser of PHYSICAL DAMAGE COVERAGE, except for the exclusion relating to a. The actual cash value of Audio, Visual and Data Electronic the damaged or stolen Equipment, also apply to coverage property as of the time of provided herein. In addition, the the "loss"; or following exclusions apply: b. The cost of repairing or replacing the damaged or We will not pay , under this stolen property with other coverage, for either any electronic property of like kind and equipment or accessories used quality; or with such electronic equipment c. 5500. that is: Z An adjustment for 1. Necessary for the normal depreciation and physical operation of the covered condition will be made in "auto' or the monitoring of determining actual cash value the covered "autos" at the time of the "loss". operating system; or J. Deductibles applicable to z. Both: PHYSICAL DAMAGE COVERAGE, do not apply a. An integral part of the to this Audio. Visual and Data same unit housing any Electronic Equipment sound reproducing Coverage. equipment designed solely for the If there is other coverage provided reproduction of sound if by this policy for audio, visual and the sound reproducing data electronic equipment, the coverage provided herein is Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 4 of 7 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 10 of 15 H af l�' an over Insurance[;soup. excess. However, you may elect cove red"auto". If loss is to apply the limit or any portion caused by theft, this thereof of coverage provided number of days is added herein to pay any deductible that to the number of days it is applicable under the provisions takes to locate the covered of the other coverage. "auto" and transport it to a repair shop. 12. RENTAL REIMBURSEMENT and MATERIAL TRANSFER EXPENSE 2. 60 days. The following is added to SECTION III Our payment is limited to the PHYSICAL DAMAGE COVERAGE,A. lesser of the following amountsr COVERAGE. 1. Necessary and actual Rental Reimbursement and expenses incurred, Material Transfer Expense including loss of use. This coverage provides only those $3000. Physical Damage Coverages where a premium is shown in the This auto rental expense coverage Declarations. It applies only to a does not apply while there are covered "auto" described or spare or reserve "autos" available designated to which the Physical to you for your operations. Damage Coverages apply. If"loss" results from the total theft We will pay for auto rental of a covered "auto" of the private expenses and the expenses, passenger type, we will pay under incurred by you because of"loss" this coverage only that amount of to a covered "auto", to remove your rental reimbursement and transfer your materials and expenses which is not already equipment from the covered provided for under the SECTION "auto" . Payment applies in III - PHYSICAL DAMAGE addition to the otherwise COVERAGE, A. 4. Coverage applicable amount of each Extension. coverage you have on a covered "auto". No deductibles apply to 13. AIRBAG COVERAGE this coverage. The following is added to SECTION III - We will pay only for those auto PHYSICAL DAMAGE COVERAGE, B. rental expenses incurred during Exclusions, paragraph 3. the policy period beginning 24 hours after the "loss" and ending, The portion of this exclusion relating to regardless of the policy s mechanical or electrical breakdown does expiration, with the lesser of the not apply to the accidental discharge of an following number of days: airbag. This coverage is excess of other collectible insurance or warranty. No The number of days deductible applies to this Airbag reasonably required tQ Coverage. repair or replace the Includes copyrighted material of Insurance Services Office, Inc. with its permission Copyright, Insurance Services Office, Inc., 1996 461 0155 49-9-� Page 5 of 7 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 11 of 15 44. AUTO LOAN PHYSICAL DAMAGE imposed under a lease for excessive use, EXTENSION abnormal wear and tear or high mileage; security deposits not refunded by the The following is added to SECTION III - lessor; cost for extended warranties, PHYSICAL DAMAGE COVERAGE, C. Limit Credit Life Insurance, Health, Accident or Of Insurance provision: Disability Insurance purchased with the loan; and carry over balances from When a "loss" results in a total loss to a previous leases. covered auto you own for which a Loss Payee is designated in this policy, the This coverage applies only to the initial most we will pay for "loss" in any one lease for the covered "auto" which has not "accident" is the greater of: previously been leased. This coverage is excess over all other collectible ,. The actual cash value of the insurance. damaged or stolen property as of the time of the "loss"; or SECTION IV- CONDITIONS 2. The outstanding balance of the 16. DUTIES IN THE EVENT OF ACCIDENT initial loan, less any amounts for CLAIM, SUIT OR LOSS taxes, overdue payments, overdue payment charges, penalties, The following is added to SECTION IV - interest , any charges for early BUSINESS AUTO CONDITIONS, A. Loss termination of the loan, costs for Conditions, 2. Duties In The Event Of Credit Life Insurance, Health, Accident, Claim, Suit Or Loss Accident or Disability Insurance purchased with the loan, and 1. Knowledge of any "accident', carry-over balances from previoLrs claim, "suit" or "loss" will be loans. deemed knowledge by you when notice of such "accident', 15. AUTO LEASE PHYSICAL DAMAGE claim, "suit" or "loss" has been EXTENSION received by: The following is added to SECTION III - (1) You, if you are an individual; PHYSICAL DAMAGE COVERAGE, C. Limit (2) Any partner or insurance Of Insurance provision: manager if you are a partnership; or If, because of damage, destruction or theft (3) An executive officer or of a covered "auto", which is a long-term insurance manager if you are leased "auto", the lease agreement a corporation. between you and the lessor is terminated, "we" will pay the difference between the 17. BLANKET WAIVER OF SUBROGATION amount paid under paragraph C. LIMIT OF INSURANCE 1. or 2. and the amount due Paragraph 5. Transfer Of Rights Of at the time of"loss" under the terms of Recovery Against Others To Us, SECTION the lease agreement applicable to the IV - BUSINESS AUTO CONDITIONS, A. leased "auto" which you are required to Loss Conditions is replaced by the pay: less any fees to dispose of the auto; following: any overdue payments; financial penalties ,I.ncludes copyrighted material of Insurance Services Office, Inc. with its permission Copyright, Insurance Services Office, Inc., 1996 461 0155 49-9-� Page 6 of 7 88114468 25-26 GL-AL-UMB-WC-PL i Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 12 of 15 Hanover Insur:igm GrauP_ 5. Transfer Of Rights Of Recovery 19. HIRED AUTO - WORLDWIDE Against Others To Us COVERAGE If any person or organization to or The following is added to SECTION IV - for whom we make payment Business Auto Conditions, B. General under this Coverage Form has Conditions, paragraph 7. Policy Period, rights to recover damages from Coverage Territory provision: another, which have not been waived through the execution of e. Outside the coverage territory an "insured contract", written described in a., b., c., and d. agreement, or permit, prior to the above for an "accident' or "loss" "accident" or "loss" giving rise to resulting from the use of a the payment, those rights to covered "auto' you hire, without a recover damages from another driver, or your employee hires are transferred to us. That person without a driver, at your direction, or organization must do for the purpose of conducting your everything necessary to secure business, for a period of 30 days our rights and must do nothing or less, provided the suit is after the "accident' or "loss" to brought within The United States impair them. of America or its territories or possessions. 18. UNINTENTIONAL FAILURE TO DISCLOSE INFORMATION SECTION V - DEFINITIONS The following is added to SECTION IV 20. MENTAL ANGUISH BUSINESS AUTO CONDITIONS. B. General Conditions, paragraph 2. Paragraph C. 'Bodily injury", SECTION V - Concealment, Misrepresentation Or Fraud: DEFINITIONS is replaced by the following: Your unintentional error in disclosing, "Bodily injury" means bodily injury, or failure to disclose, any material fact sickness or disease sustained by a existing after the effective date of this person including death or mental Coverage Form shall not prejudice anguish resulting from any of these. your rights under this Coverage Form. However, this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. Includes copyrighted material of Insurance Services Office, Inc. with its permission. Copyright, Insurance Services Office, Inc., 1996 461-0155 (9-97) Page 7 of 7 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 13 of 15 WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT-CALIFORNIA We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) You must maintain payroll records accurately segregating the remuneration of your employees while engaged in the work described in the Schedule. The additional premium for this endorsement shall be 2 % of the California workers' compensation premium otherwise due on such remuneration. Schedule Person or Organization Job Description APPLIES AS BLANKET WAIVER FOR THOSE HAVING A WRITTEN CONTRACT WITH THE POLICY- HOLDER REQUIRING WOS FOR WC POLICYHOLDER EMPLOYEES. This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective 08/27/2025 Policy No. W Z 3 J 114 0 0 0 Endorsement No. Insured True North Compliance Services, Inc. Insurance Company THE HANOVER AMERICAN INSURANCE COMPANY Countersigned By WC 04 03 06(Ed 04-84) 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 112/2/2025 6:00:03 AM (PST) I Page 14 of 15 ADP0000828 True North Compliance Services,Inc. `�`� WESTFIELD ,A SPECIALTY'" The Insurer is under no obligation to renew this Policy upon its expiration. If the Insurer decides to non-renew this Policy, the Insurer shall mail to the Named Insured written notice stating such intent at least sixty(60)days before the Policy Period expiration date set forth in Item 2 of the Declarations. Such notice shall state the reason for non-renewal. (g) Notice of Cancellation and Non-Renewal The Insurer shall mail or deliver any notice of cancellation or non-renewal in writing to the Named Insured and, if applicable, the Named Insured's agent or broker. Proof of mailing shall be sufficient proof of notice, and proof of delivery shall be treated the same as mailing. B. Alternation,Assignment and Headings No change in, modification of, or assignment of interest under this Policy shall be effective except when made by a written endorsement to this Policy that is issued by the Insurer. The titles and headings to the various Sections, Subsections, and endorsements of this Policy are included solely for ease of reference and do not in any way limit,expand,or otherwise affect the terms and conditions of coverage. C. Mergers and Acquisitions If during the Policy Period the Named Insured undergoes a merger, acquisition,or dissolution, then the Named Insured shall give the Insurer written notice of such change as soon as practicable, but in no event later than the earlier of: (i) sixty(60) days after the effective date of such merger, acquisition, or dissolution; or (2) the end of the Policy Period. In the event of such change,the Insurer shall have the right to adjust the premium or revise coverage,subject to all other terms and conditions of the Policy,and the Named Insured shall accept any premium adjustment or coverage revisions which the Insurer may require. D. Conflicting Statutes Any part of this Policy which is in conflict with the statutes of the state in which this Policy is issued is amended to conform to such statutes. Notwithstanding the foregoing,if there is an inconsistency between a state amendatory endorsement attached to this Policy and any other term or condition of this Policy,the Insurer shall apply,where permitted by law,those terms and conditions either of such state amendatory endorsement or the Policy which are more favorable to the Insured's coverage; provided that,with respect to any time period relating to notice of cancellation or non-renewal,the Insurer shall apply the applicable state law. E. Subrogation In the event of any payment under this Policy,the Insurer shall be subrogated to the extent of such payment to all the Insured's rights of recovery. The Insured shall execute all papers required and shall do everything necessary to secure and preserve such rights, including the execution of such documents necessary to enable the Insurer to effectively bring suit or otherwise pursue subrogation rights in the name of the Insured. Any recoveries by the Insurer of Damages paid under this Policy shall be the sole property of the Insurer. The Insurer hereby waives its rights against any person or entity to the extent that the Named Insured has,prior to a Wrongful Act or Pollution Incident, entered into a written agreement to waive such rights. F. Other Insurance This Policy shall be specifically excess of and shall not contribute with any other valid and collectible insurance (including any insurance under which there is a duty to defend or any project specific insurance),regardless of whether such other insurance is stated to be primary,contributory,excess, contingent or otherwise,unless such other insurance is specifically excess insurance over the limit of liability of this Policy. AEP 00001 O'724 Page 15 of 17 ©2024 Westfield Specialty®.All Rights Reserved. 88114468 25-26 GL-AL-UMB-WC-PL I Sherry Young 1 12/2/2025 6:00:03 AM (PST) I Page 15 of 15