HomeMy WebLinkAboutEPD SOLUTIONS, INC. (ENVIRONMENTAL PLANNING DEVELOPMENT SOLUTIONS, INC.) (3) INSURANCE ON FILE
WORK NIAY PROCEED
uNT i
A-2023-194-03B
03� z�z+
MAYOR CITY CLERK.
NOV 0 3 2025 CITY MANAGER
Valerie Amezcua OAT'-. ,��,��
Alvaro Nunez
MAYOR PRO TEM nt_R 3.w�' CITY ATTORNEY
Benjamin Vazquez Sonia R.Carvalho
COU l Bacer MBERS CITY CLERK
Phil Bacerra "� _
Johnathan Ryan Hernandez
? ,4. Jennifer L.Hall
Jessie Lopez
David Penaloza
Thai Viet Phan CITY OF SANTA ANA
1 ranciheVi 11a IM102) PLANNING AND BUILDING AGENCY
20 Civic Center Plaza+P.O.Box 1988
Santa Ana,Califomia 92702
www.santa-ana.org
October 21,2025
Enviromnent Planning Development Solutions, Inc.
3333 Michelson Drive, Suite 500
Irvine,CA 92612
Re: Planning and Technical Services for Peer Review Services for the Proposed Cristo Rey HRA Peer
Review Project at 3601 and 3611 Harbor Boulevard, Santa Ana
Pursuant to Section 1 ("Scope of Services") of Agreement No. A-2023-194-03 entered into by EPD
Solutions, Inc. ("Consultant") and the City of Santa Ana, dated November 7, 2023, Consultant hereby
accepts this Letter Agreement for an assignment for on-call enviromnental and planning services for the
project listed above. Consultant shall provide services and complete services by January 31, 2026,per the
proposal (attached as. Exhibit A to this Letter Agreement). Compensation is subject to Section 2 of the
Agreement,and the total compensation for this assignment shall not exceed$4,390.00.All other terms and
conditions of said Agreement remain unchanged and in full force and effect.
If you have any questions regarding this project,please contact Nancy Tran in the Planning and Building
Agency at(714) 667-2740 or Ntran5@santa-ana.org.
santa-ana.org.
Sincerely,
Ali Pezeshkpour EPD Solutions, Inc.
Executive Director Konnie Dobreva
Planning&Building Agency Vice President of Environmental Planning
APPROVED AS TO FORM:
Sonia R. Carvalho
City Attorney
"_ /(& a
Melissa Crosthwaite
Senior Assistant City Attorney
SANTA ANA CITY COUNCIL
Valene Amezcua Benjamin Vazquez Thai Viet Phan Jessie Lopez Phd Bacerra Johnsthen Ryan Hernandez David Penaloza
Mayor Mayor Pm Tam-Ward 2 Ward? Ward Ward Ward Ward
yamezumala�ganta-ana.oro bvazou&?Asaola-ana,oro tphan a(Zsanla-ana.om iessielooezOsama-ana.ara pbacerraosanla-ana.om iaanhemandez(a)sanla-ana om d ena3oza santa-ana0
Exhibit A - Side Letter 2
(A-2023-194-03)
Due Diligence
Entitlements &
j Project Management
Environmental
EP D Planning
S ❑ L U T I O N S , I N G Development &
Construction
i Management
INHERE EXPERIENCE
AND PASSION MEET Policy Planning
Our integrated services offer
end-to-end expertise,ensuring
the seamless implementation Technical Services
of a cohesive strategy. We deliver
the best solutions for the environment,
community and economic value.
epdsolutlons.com 1 949.794.1180
3333 Michelson Drive,Site 500, 1 Irvine,CA 92612
ED S❑LUTIONS,INC
ti'VHEHE FA PLR ILNCE AND PASSION MEET
October 7, 2025
City of Santa Ana
Planning and Building Agency
Nancy Tra n
20 Civic Center Plaza
Santa Ana, CA 92701 US
ntran5@santa-ana.org
RE: Proposal for Peer Review Services for the Proposed Cristo Rey HRA Peer Review Project at 3601 and
3611 Harbor Boulevard, Santa Ana
Dear Nancy,
Thank you for inviting us to submit this proposal for technical peer review services for the Cristo Rey High
School Project. It is our understanding that the project applicant retained Urban Crossroads to prepare a
Health Risk Assessment analyzing impacts from toxic air contaminants on the proposed school.
The EPD team has extensive experience in Santa Ana from which we have developed a thorough
knowledge in the City's Municipal Code, General Plan and General Plan EIR, which the project is utilizing
for streamlining purposes. Our environmental and technical teams also have worked on a number of
existing facilities exemptions and health risk assessments,which makes our team uniquely suited to assist
the City with the peer review effort for this project.
The following is our proposed scope of work and fee for the project.We look forward to working with you
and discussing this exciting opportunity with you further. Please contact me at (949) 794-1153 or
konnie@epdsolutions.com with any questions on this proposal or our expertise.
Respectfully submitted,
EPD Solutions, Inc.
K100
Konnie Dobreva,JD
Vice President of Environmental Planning
- . SOLUTION5,INC :1 1 epcisolutions.comMichelsonDrive, 11
Due 1iligence-Entitlement-Environmental Planning-Development&Construction -Technical
October 7, 2025-Cristo Rey HRA Peer Review-Page 3
SCOPE OF WORK
TASK 1. PEER REVIEWS OF HEALTH RISK ASSESSMENT
The EPD team will peer review the Health Risk Assessment prepared by Urban Crossroads for CEQA and
technical adequacy, sufficiency in analysis, consistency with the Project Description and, and to ensure
that the analysis supports an Existing Facilities Exemption.The peer review will include a thorough review
of each study focusing on background and existing conditions, scope assumed, methodologies, General
Plan EIR mitigation applied, and impact conclusions. Comments the technical study will be made
accordingly.
The Health Risk Assessment is assumed to be provided to EPD via the City in Microsoft Word and Adobe
Acrobat PDF formats. EPD will coordinate the technical study peer review comments with the City and, if
authorized, with the Applicant's consultant team. EPD will provide one set of comments for the first
review and all comments are assumed to be addressed in the second review of the reports. Additional
rounds of review would require an amendment to this scope of work and proposed budget.
This scope of work does not include any hearing attendance. Should hearing attendance be requested by
City staff, an amendment would be issued.
Timeline
EPD will provide comments on the Health Risk Assessment within three weeks of notice to proceed.
Due D _
October 7, 2025 -Cristo Rey HRA Peer Review- Page 4
PROPOSED BUDGET:
Task# Tasks Fee Type Fee
1. Peer Review of Health Risk Assessment Fixed Fee $4,390
TOTAL $4,390
Assumptions
Our cost estimate is based on our scope of services and schedule, and the following assumptions:
• The cost estimate is valid for up to 60 days from the date of submittal, after which it may be
subject to revision.
• Once the project has been initiated, if a delay of 90 days or more occurs due to circumstances
beyond our control, we reserve the right to adjust our budget to account for additional project
management requirements, increased labor rates, and other costs.
Thankyou again foryour consideration and interest in EPD Solutions, Inc. Should you have any questions,
please do not hesitate to contact Meaghan Truman at mtru man @epdsolutions.com,orthe EPD Contracts
Team at Contracts e dsolutions.com or(949) 794-1180.
Sincerely,
EPD Solutions, Inc. Client: City of Santa Ana
Signature: K Signature:
Name: Konnie Dobreva Name:
Title: VP of Environmental Planning Title:
Date: 10/7/2025 Date:
:0 1 epdsolutions.com00
DevelopmentDue Diligence-Entitlement-Environmental Planning- Policy
ENVIPLA-02 TAKAPUK
A�C7R� CERTIFICATE OF LIABILITY INSURANCE DATE 10 2112 25
1are112a25
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 License#OE67768 CONTACT katalina takapu
MAMIOA Insurance Services PHONE EAx
3875 Hopyard Road Alc,No,Ext):(925)416-7862 A c,NQI:(925)416-7869
Suite 200 E-MAIL
ESS
Pleasanton,CA 94588
INSURERS AFFORDING COVERAGE NAIC ff
INSURERA:Continental Casualty Company 20443
INSURED INSURER B:Hartford Casualty Insurance Com an 29424
Environment Planning Development Solutions Inc dba EPD INSURER
Solutions Inc
3333 Michelson Dr.,Suite 500 INSURERD:
Irvine,CA 92612 INSURERE:
INSURER F;
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: 2
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 ISSULD OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECTTO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVL BLEN REDUCED BY PAID CLAIMS,
ILTR NSR ADDLTYPE OF INSURANCE INSD WVD POLICY NUMBER ZMJDDPOLICY EFF POLICY EXP LIMITS
A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE S 2,000,000
CLAIMS-MADE X OCCUR DAMAGE TO RFNTE❑
X X Bfi025654530 9I3012O25 9/3012026 P a occ S 1,00O,60o
MEO EXP(Any one ersun $ 10,000
PERSONAL&ADV INJURY g 2,000,000
GENT AGGREGATE LIMIT APPLIES PER. GENERAL AGGREGATE $ 4,000,000
POLICY®JECT LOG PRODUCTS-COMPfOPAGG 5 4,000,000
OTHER
A s
AUTOMOBILE LIABILITY COJE.aMBINED SINGLE LIMIT $ 1,000,000
ANY AUTO X X B6025654530 913012025 9130/2026 BODILY INJURY Perperson) $
OWNED SCHEDULED
AUTOS ONLY AUTOS BODILY INJURY Per accident) 5
)( HIRED �( NON-OWNED PROPERTY DAMAGE
AUTOS ONLY AUTOS ONLY Per accident $
S
A X UMBRELLA LIAR X OCCUR EACH OCCURRENCE $ 4,000,000
EXCESS LIAR CLAIMS-MADE X X B6025663132 9/30/2025 9130/2026 AGGREGATE s 4,000,000
DED I X I RETENTION 5 10,000
5
S WORKERS COMPENSATION X PER OTH-
ANDEMPLOYERS'LIABILITY
ANY PROPRIETORIPARTNERIEXECUT€VE YIN® NIA X 57WEGAC20BW 91301202$ 913012026 E.L.EACH ACCIDENT g 1,000,000
OFFICERIMEMHER EXCLUDED?
(Mandatory in NH) E.L.DISEASE-EA EMPLOYE 5 1,000,000
If yes,descdbe under
DESCRIPTION OF OPERATIONS below I EL.DISEASE-POLICY LIMIT 5 1,000,000
A Professional Liab, X EEH591923312 9/30/2025 9/3012026 Per Claim 4,000,000
A Professional Liab. X EEH591923312 9/30/2025 9/3012026 Aggregate 5,000,000
DESCRIPTION OF OPERATIONS f LOCATIONS I VEHICLES IACORD 101,Additional Remarks Schedule,may be attached if more space is required)
RE:On-Call Agreement-Agreement No,A-2023-194-03
As required by Certificate Holder written contract or agreement,in-addition to(if applicable)the governing written contract or agreement:(1)Commercial
General Liability policy shall include(a)additional insured coverage and contain(b)primary&non-contributory and(c)waiver of subrogation provisions for
any additional insured; (2)to the extent applicable,Automobile Liability policy shall include(a)additional insured coverage and contain(b)primary&non-
contributory and(c)waiver of subrogation provisions for any additional insured;(3)to the extent applicable,Commercial Excess Liability policy shall apply
on a follow-form basis,excess of commercial general liability,automobile liability and employers' liability policy(ies)with such coverage being concurrent
with underlying insurance;(4)to the extent applicable,Workers Compensation and Employers'Liability policy shall include a waiver of subrogation provision;
SEE ATTACHED ACORD 101
CERTIFICATE HOLDER APPROVED CANCELLATION
By Tu Trarr Nguyen at 1 f:18 am,Oct 22,2025
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Tu Tra n °1gi,Wfl s'goedby ACCORDANCE WITH THE POLICY PROVISIONS.
Tu Tr Nguyen
Nguy�r,oate.zoz5.,q.2=
,,.,esy-0Too�
AUTHORIZED REPRESENTATIVE
City of Santa Ana, Planning and Building Agency
20 Civic Center Plaza
Ana,CA 92701 t�-Q_h —�
ACORD 25(2016/03) O 1988-2015 ACORD CORPORATION, All rights reserved.
The ACORD name and logo are registered marks of ACORD
AGENCY CUSTOMER ID:ENVIPLA-02 TAKAPUK
LOC#: 1
AC"RV
�- ADDITIONAL REMARKS SCHEDULE Page 1 of 1
AGENCY License#OE67768 NAMED INSURED
OA Insurance Services Environment Planning Development Solutions Inc dba EPD Solutions Inc
3333 Michelson Dr.,Suite 500
PGLJCY NUMBER Irvine,CA 92612
EE PAGE 1
CARRIER NAIC CODE
EE PAGE 1 SEEP 1 EFFECTIVE DATE:SEE PAGE 1
ADDITIONAL REMARKS
THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM,
FORM NUMBER: ACORD 25 FORM TITLE: Certificate of Liability Insurance
Description of Operations/Locations/Vehicles.
(5)Professional Liability policy shall apply on a claims-made basis and include a waiver of subrogation provision.
Professional Liability Retroactive Date: Full Prior Acts
Additional Insureds: City of Santa Ana, its officers,officials,employees,and authorized volunteers
ACORD 101 (2008101) O 2008 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
CNA SB1469320
Policy#B6025654530 (Ed. 10-19)
BLANKET ADDITIONAL INSURED AND LIABILITY EXTENSION ENDORSEMENT
This endorsement modifies insurance provided under the following;
BUSINESSOWNERS LIABILITY COVERAGE FORM
BUSINESSOWNERS COMMON POLICY CONDITIONS
TABLE OF CONTENTS
I. Blanket Additional Insured Provisions
A. Additional Insured--Blanket Vendors
B. Miscellaneous Additional Insureds
C. Additional Provisions Pertinent to Additional Insured Coverage
I.a. Prima —Noncontributory provision
1.b. Definition of"written contract"
2. Additional Insured—Extended Coverage
11. Liability Extension Cove es
A. Bodi Iri u —Expanded Definition
B. Broad Knowledge of Occurrence
C. Estates,Legal Representatives and Spouses
D. Fellow Employee First Aid
E. Legal Liability—Damage to Premises
F. Personal and Advertising Injury—Discrimination or Humiliation
G. Personal and Advertising In jug—Broadened Eviction
H. Waiver of Subrogation--Blanket
L BLANKET ADDITIONAL INSURED PROVISIONS
A. ADDITIONAL INSURED—BLANKET VENDORS
Who is An Insured is amended to include as an additional insured any person or organization (referred to below
as vendor) with whom you agreed under a "written contract" to provide insurance, but only with respect to
'bodily injury"or"property damage" arising out of "your products"which are distributed or sold in the regular
course of the vendor's business,subject to the following additional exclusions:
1. The insurance afforded the vendor does not apply to:
a. "Bodily Injury"or'property damage"for which the vendor is obligated to pay damages by reason of the
assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages
that the vendor would have in the absence of the contract or agreement;
b. Any express warranty unauthorized by you;
c. Any physical or chemical change in the product made intentionally by the vendor;
d. Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the
substitution of parts under instructions from the manufacturer, and then repackaged in the original
container;
e. Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make
or normally undertakes to make in the usual course of business, in connection with the distribution or sale
of the products;
f. Demonstration, installation, servicing or repair operations, except such operations performed at the
vendor's premises in connection with the sale of the product;
g. Products which, after distribution or sale by you, have been labeled or relabeled or used as a container,
part or ingredient of any other thing or substance by or for the vendor; or
SB1469320 (10-19) Page 1 of 7
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SB146932G
(Ed, 10-19)
h. "Bodily injury"or"property damage"arising out of the sole negligence of the vendor for its own acts or
omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not
apply to:
(1) The exceptions contained In Subparagraphs d.or f.; or
(2) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally
undertakes to make in the usual course of business, in connection with the distribution or sale of the
products.
2. This insurance does not apply to any insured person or organization, from whom you have acquired such
products, or any ingredient, part or container, entering into, accompanying or containing such products.
3. This provision 2.does not apply to any vendor included as an insured by an endorsement issued by us and
made a part of this Policy.
4. This provision 2. does not apply if "bodily injury" or "property damage' included within the "products-
completed operations hazard"is excluded either by the provisions of the Policy or by endorsement.
B. MISCELLANEOUS ADDITIONAL INSUREDS
1. Who Is An Insured is amended to include as an insured any person or organization (called additional
Insured) described in paragraphs 3.a. through 3.1. below whom you are required to add as an additional
insured on this policy under a"written contract."
2. However, subject always to the terms and conditions of this policy, including the limits of insurance, we will
not provide the additional insured with:
a. A higher limit of insurance than required by such 'written contract;"
b. Coverage broader than required by such "written contract" and in no event greater than that described
by the applicable paragraph a.through k. below; or
c. Coverage for "bodily injury" or "property damage" included within the "products-completed
operations hazard." But this paragraph c. does not apply to the extent coverage for such liability is
provided by paragraph 3.1.below.
Any coverage granted by this endorsement shall apply only to the extent permitted by law.
3. Only the following persons or organizations can qualify as additional insureds under this endorsement:
a. Controlling Interest
8 Any persons or organizations with a controlling interest in you but only with respect to their liability arising
out of:
(1) such person or organization's financial control of you; or
(2) Premises such person or organization owns, maintains or controls while you lease or occupy these
w premises;
provided that the coverage granted to such additional insureds does not apply to structural alterations,
new construction or demolition operations performed by or for such additional insured.
b. Co-owner of Insured Premises
A co-owner of a premises co-owned by you and covered under this insurance but only with respect to the
co-owners liability for"bodily injury," "property damage' or "personal and advertising Injury" as co-
owner of such premises.
c. Grantor of Franchise
Any person or organization that has granted a franchise to you, but only with respect to such person or
organization's liability for"bodily injury," "property damagai" or "personal and advertising injury" as
grantor of a franchise to you.
SB146932G (10-19) Page 2 of 7
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SB146932G
(Ed. 10-19)
d. Lessor of Equipment
Any person or organization from whom you lease equipment, but only with respect to liability for "bodily
Injury," "property damage" or "personal and advertising injury" caused in whole or in part by your
maintenance, operation or use of such equipment, provided that the 'occurrence" giving rise to such
"bodily injury" or "property damage" or the offense giving rise to such "personal and advertising
injury'takes place prior to the termination of such lease.
e. Lessor of Land
Any person or organization from whom you lease land, but only with respect to liability for"bodily injury,"
"property damage" or"personal and advertising injury" arising out of the ownership, maintenance or
use of that specific part of the land leased to you, provided that the 'occurrence" giving rise to such
"bodily injury" or "property damage" or the offense giving rise to such 'personal and advertising
Injury,"takes place prior to the termination of such lease.The insurance hereby afforded to the additional
insured does not apply to structural alterations, new construction or demolition operations performed by,
on behalf of or for such additional insured.
f. Lessor of Premises
An owner or lessor of premises leased to you, or such owner or lessor's real estate manager, but only
with respect to liability for 'bodily Injury," "property damage" or "personal and advertising injury"
arising out of the ownership, maintenance or use of such part of the premises leased to you, and
provided that the "occurrence" giving rise to such "bodily injury" or 'property damage" or the offense
giving rise to such "personal and advertising Injury,'takes place prior to the termination of such lease.
The insurance hereby afforded to the additional Insured does not apply to structural alterations, new
construction or demolition operations performed by, on behalf of or for such additional insured.
g. Mortgagee,Assignee or Receiver
A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee, or
receiver's liability for "bodily injury," "property damage" or "personal and advertising Injury" arising
out of the ownership, maintenance,or use of a premises by you.
This insurance does not apply to structural alterations, new construction or demolition operations
performed by, on behalf of or for such additional insured.
h. State or Political Subdivisions
A state or government agency or subdivision or political subdivision that has issued a permit or
authorization, but only with respect to such government agency or subdivision or political subdivision's
Liability for'bodily injury,""property damage"or"personal and advertising injury' arising out of:
(1) The following hazards in connection with premises you own, rent, or control and to which this
Insurance applies:
(a) The existence, maintenance, repair, construction, erection, or removal of advertising signs,
awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway
openings,sidewalk vaults,street banners, or decorations and similar exposures; or
(b) The construction, erection, or removal of elevators; or
(a) The ownership, maintenance or use of any elevators covered by this insurance; or
(2) The permitted or authorized operations performed by you or on your behalf. But the coverage granted
by this paragraph does not apply to:
(a) 'Bodily injury", 'property damage' or 'personal and advertising Injury" arising out of
operations performed for the state or government agency or subdivision or political subdivision;
or
(b) "Bodily injury" or "property damage" included within the 'products-completed operations
hazard."
With respect to this provision's requirement that additional insured status must be requested under a
"written contract,"we will treat as a"written contract"any governmental permit that requires you to add
the governmental entity as an additional insured.
SB146932G (10-19) Page 3 of 7
Copyright,CNA All Rights Reserved.
SB146932G
(Bd. 10-19)
1. Trade Show Event Lessor
With respect to your participation in a trade show event as an exhibitor, presenter or displayer, any
person or organization whom you are required to include as an additional insured, but only with respect to
such person or organization's liability for 'bodily injury,° "property damage,' or "personal and
advertising injury"caused by:
a. Your acts or omissions; or
b. Acts or omissions of those acting on your behalf;
in the performance of your ongoing operations at the trade show premises during the trade show event.
j. Other Person or Organization
Any person or organization who is not an additional insured under paragraphs a.through 1. above, Such
additional insured is an insured solely for 'bodily injury," "property damage" or 'personal and
advertising Injury'for which such additional insured is liable because of your acts or omissions.
The coverage granted by this paragraph does not apply to any person or organization:
(1) For "bodily injury," 'property damage,' or 'personal and advertising Injury" arising out of the
rendering or failure to render any professional services;
(2) For "bodily injury" or "property damage" included in the 'products-completed operations
hazard,'But this provision(2)does not apply to such"bodily Injury' or"property damage" if:
(a) It is entirely due to your negligence and specifically results from your work for the additional
insured which is the subject to the°wriitten contract'; and
(b) The'written contract" requires you to make the person or organization an additional insured for
such 'bodily Injury"or"property damage'; or
(3) Who Is afforded additional insured coverage under another endorsement attached to this policy,
C. ADDITIONAL PROVISIONS PERTINENT TO ADDITIONAL INSURED COVERAGE
1. With respect only to additional insured coverage provided under paragraphs A.and B.above:
a. The BUSINESSOWNERS COMMON POLICY CONDITIONS are amended to add the following to the
Condition entitled Other Insurance:
This insurance is excess of all other insurance available to an additional insured whether primary,
excess,contingent or on any other basis. However, if a'written contract" requires that this insurance be
either primary or primary and noncontributing, then this insurance will be primary and non-contributory
relative solely to insurance on which the additional insured is a named insured.
b. Under Liability and Medical Expense Definitions,the following definition is added:
"Wrftten contract" means a written contract or agreement that requires you to make a person or
organization an additional insured on this policy, provided the contract or agreement:
(1) Is currently in effect or becomes effective during the term of this policy;and
(2) Was executed prior to:
(a) The"bodily Injury'or'property damage;'or
(b) The offense that caused the"personal and advertising injury";
forwhich the additional insured seeks coverage,
2. With respect to any additional insured added by this endorsement or by any other endorsement attached to
this Coverage Part,the section entitled Who Is An Insured is amended to make the following natural persons
insureds.
If the additional insured is:
a. An individual,then his or her spouse is an insured;
SB146932G (10-19) Page 4 of 7
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SB146932G
(Ed. 10-19)
b. A partnership or joint venture,then its partners, members and their spouses are Insureds;
c. A limited liability company, then its members and managers are insureds;
d. An organization other than a partnership, joint venture or limited liability company, then its executive
officers, directors and shareholders are Insureds; or
e. Any type of entity,then its employees are insureds;
but only with respect to locations and operations covered by the additional insured endorsement's provisions,
and only with respect to their respective roles within their organizations. Furthermore, employees of
additional insureds are not insureds with respect to liability arising out of:
(1) 'Bodily injury" or "personal and advertising injury' to any fellow employee or to any natural person
listed in paragraphs a.through d.above;
(2) "Property damage"to property owned, occupied or used by their employer or by any fellow employee;or
(3) Providing or failing to provide professional health care services.
Il. LIABILITY EXTENSION COVERAGES
It is understood and agreed that this endorsement amends the Businessowners Liability Coverage Form. If any
other endorsement attached to this policy amends any provision also amended by this endorsement, then that other
endorsement controls with respect to such provision, and the changes made by this endorsement to such provision do
not apply.
A. Bodily Injury—Expanded Definition
Under Liability and Medical Expenses Definitions, the definition of 'Bodily injury" is deleted and replaced by
the following:
'Bodily injury" means physical injury, sickness or disease sustained by a person, including death, humiliation,
shock, mental anguish or mental injury by that person at any time which results as a consequence of the physical
injury,sickness or disease.
B. Broad Knowledge of Occurrence
Under Businessowners Liability Conditions, the Condition entitled Duties In The Event of Occurrence, Offense,
Claim or Suit is amended to add the following:
Paragraphs a. and b. above apply to you or to any additional insured only when such "occurrence,' offense,
claim or'suit" is known to:
(1) You or any additional insured that is an individual;
(2) Any partner, if you or an additional insured is a partnership;
(3) Any manager, if you or an additional insured is a limited liability company;
(4) Any"executive officer'or insurance manager, if you or an additional insured is a corporation;
(6) Any trustee, if you or an additional insured is a trust; or
(6) Any elected or appointed official,if you or an additional insured is a political subdivision or public entity.
This paragraph applies separately to you and any additional insured.
C. Estates,Legal Representatives and Spouses
The estates, heirs, legal representatives and spouses of any natural person insured shall also be insured under
this policy; provided, however,coverage is afforded to such estates, heirs, legal representatives and spouses only
for claims arising solely out of their capacity as such and, in the case of a spouse, where such claim seeks
damages from marital common property, jointly held property, or property transferred from such natural person
insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal
representative or spouse outside the scope of such person's capacity as such, provided however that the spouse
of a natural person Named Insured and the spouses of members or partners of joint venture or partnership
Named Insureds are insureds with respect to such spouses' acts, errors or omissions in the conduct of the Named
Insured's business.
SB146932G(10-19) Page 5 of 7
Copyright,CNA All Rights Reserved.
SB146932G
(Ed. 10-19)
D. Fellow Employee First Aid Coverage
In the section entitled Who Is An Insured, paragraph 2.a.1,is amended to add the following:
The limitations described in subparagraphs 2.a.1.(a), (b) and (c) do not apply to your 'employees" for "bodily
injury"that results from providing cardiopulmonary resuscitation or other first aid services to a co-'employee" or
'volunteer worker" that becomes necessary while your 'employee" is performing duties in the conduct of your
business. Your "employees' are hereby insureds for such services. But the insured status conferred by this
provision does not apply to 'employees"whose duties in your business are to provide professional health care
services or health examinations.
E. Legal Liability—Damage To Premises
1. Under B.Exclusions,1.Applicable to Business Liability Coverage, Exclusion k.Damage To Property, is
replaced by the following:
k. Damage To Property
"Property damage'to:
1. Property you own, rent or occupy, including any costs or expenses incurred by you, or any other
person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of
such property for any reason, including prevention of injury to a person or damage to another's
property;
2. Premises you sell, give away or abandon, if the "property damage' arises out of any part of those
premises;
3. Property loaned to you;
4. Personal property in the care, custody or control of the insured;
5. That particular part of any real property on which you or any contractors or subcontractors working
directly or indirectly in your behalf are performing operations, if the mproperty damage' arises out of
those operations;or
6. That particular part of any property that must be restored, repaired or replaced because 'your work"
was incorrectly performed on it.
Paragraph 2 of this exclusion does not apply If the premises are "your work' and were never occupied,
rented or held for rental by you.
Paragraphs 1, 3, and 4, of this exclusion do not apply to"property damage° (other than damage by fire
or explosion)to premises:
(1) rented to you:
(2) temporarily occupied by you with the permission of the owner, or
4 (3) to the contents of premises rented to you for a period of 7 or fewer consecutive days.
A separate limit of insurance applies to Damage To Premises Rented To You as described in Section D—
Liability and Medical Expenses Limits of Insurance.
Paragraphs 3,4,5,and 6 of this exclusion do not apply to liability assumed under a sidetrack agreement.
Paragraph 6 of this exclusion does not apply to "property damage" included in the 'products-
completed operations hazard.'
2. Under B.Exclusions, 1.Applicable to Business Liability Coverage, the following paragraph is added, and
replaces the similar paragraph, if any, beneath paragraph (14) of the exclusion entitled Personal and
Advertising Injury:
Exclusions c,d,e,f,g,h,1,k,I,m,n,and o,do not apply to damage by fire to premises while rented to you
or temporarily occupied by you with permission of the owner or to the contents of premises rented to you for a
period of 7 or fewer consecutive days. A separate limit of insurance applies to this coverage as described in
Section D.Liability And Medical Expenses Limits Of insurance.
SB1469320 (10-19) Page 6 of 7
Copyright,CNA All Rights Reserved.
SB146932G
(Ed. 10-19)
3. The first Paragraph under item S. Damage To Premises Rented To You Limit of the section entitled
Liability And Medical Expenses Limits Of Insurance is replaced by the following:
The most we will pay under Business Liability for damages because of "property damage" to any one
premises, while rented to you or temporarily occupied by you with the permission of the owner, including
contents of such premises rented to you for a period of 7 or fewer consecutive days, is the Damage to
Premises Rented to You Limit. The Damage to Premises Rented to You Limit is the greater of:
a. $1,000,000;or
b. The Damage to Premises Rented to You Limit shown in the Declarations.
F. Personal and Advertising Injury—Discrimination or Humiliation
1. Under Liability and Medical Expenses Definitions, the definition of "personal and advertising Injury" is
amended to add the following:
h. Discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only
if such discrimination or humiliation is:
(1) Not done intentionally by or at the direction of:
(a) The insured; or
(b) Any "executive officer," director, stockholder, partner, member or manager (if you are a limited
liability company)of the insured;and
(2) Not directly or indirectly related to the employment, prospective employment, past employment or
termination of employment of any person or person by any insured.
2. Under B. Exclusions, 1.Applicable to Business Liability Coverage, the exclusion entitled Personal and
Advertising Injury is amended to add the following additional exclusions:
(16)Discrimination Relating to Room,Dwelling or Premises
Caused by discrimination directly or indirectly related to the sale, rental, lease or sub-lease or prospective
sale, rental, lease or sub-lease of any room, dwelling or premises by or at the direction of any insured.
(16)Employment Related Discrimination
Discrimination or humiliation directly or Indirectly related to the employment, prospective employment,
past employment or termination of employment of any person by any insured.
(17)Fines or Penalties
Fines or penalties levied or imposed by a governmental entity because of discrimination.
3. This provision (Personal and Advertising Injury — Discrimination or Humiliation) does not apply if
Personal and Advertising Injury Liability is excluded either by the provisions of the Policy or by
endorsement.
G. Personal and Advertising Injury-Broadened Eviction
Under Liability and Medical Expenses Definitions, the definition of "Personal and advertising injury" is
amended to delete Paragraph c.and replace it with the following:
c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room
dwelling or premises that a person or organization occupies committed by or on behalf of its owner, landlord
or lessor.
H. Waiver of Subrogation—Blanket
We waive any right of recovery we may have against:
a. Any person or organization with whom you have a written contract that requires such a waiver.
All other terms and conditions of the Policy remain unchanged.
SB146932G(10-19) Page 7 of 7
Copyright,CNA All Rights Reserved,
��� SB-146968--A
(Ed.01106)
Policy #t B6025654530
IMPORTANT: THIS ENDORSEMENT CONTAINS DUTIES THAT APPLY TO THE ADDITIONAL
INSURED IN THE EVENT OF OCCURRENCE, OFFENSE, CLAIM OR SUIT. SEE PARAGRAPH
C., OF THIS ENDORSEMENT FOR THESE DUTIES.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BLANKET ADDITIONAL INSURED ENDORSEMENT
WITH PRODUCTS-COMPLETED OPERATIONS COVERAGE
BLANKET WAIVER OF SUBROGATION
Architects, Engineers and Surveyors
This endorsement modifies insurance provided under the following:
BUSINESSOWNERS LIABILITY COVERAGE FORM
BUSINESSOWNERS COMMON POLICY CONDITIONS
A. WHO IS AN INSURED (Section C.) of the 4. The insurance provided to the additional insured
Businessowners Liability Coverage Form is amended does not apply to "bodily injury," "property
to include as an insured any person or organization damage," "personal and advertising injury" arising
whom you are required to add as an additional insured out of an architect's, engineer's, or surveyor's
on this policy under a written contract or written rendering of or failure to render any professional
agreement; but the written contract or written services including:
agreement must be: a. The re arin p p g, approving, or failing to prepare
1. Currently in effect or becoming effective during the or approve maps, shop drawings, opinions,
term of this policy;and reports, surveys, field orders, change orders
2. Executed prior to the "bodily injury," "property or drawings and specifications by any
damage,"or"personal and advertising injury." architect, engineer or surveyor performing
services on a project of which you sere as
B. The insurance provided to the additional insured is construction manager;or
limited as follows: b. Inspection, supervision, quality control,
1. That person or organization is an additional engineering or architectural services done by
insured solely for liability due to your negligence you on a project of which you sere as
specifically resulting from "your work" for the construction manager.
additional insured which is the subject of the g, This insurance does not apply to "bodily injury,"
written contract or written agreement. No "property damage," or "personal and advertising
coverage applies to liability resulting from the sole injury"arising out of:
negligence of the additional insured.
2. The Limits of Insurance applicable to the a. The construction or demolition work while you
additional insured are those specified in the are acting as a construction or demolition
written contract or written agreement or in the contractor. This exclusion does not apply to
Declarations of this policy, whichever is less. work done for or by you at your premises.
These Limits of Insurance are inclusive of,and not C. BUSINESSOWNERS GENERAL LIABILITY
in addition to, the Limits of Insurance shown in the CONDITIONS—Duties In The Event of Occurrence,
Declarations. Offense, Claim or Suit (Section E.2.) of the
3. The coverage provided to the additional insured Businessowners Liability Coverage Form is amended
within this endorsement and section titled to add the following:
LIABILITY AND MEDICAL EXPENSE An additional insured under this endorsement will as
DEFINITIONS — "Insured Contract" (Section soon as practicable:
F.9.)within the Businessowners Liability Coverage 1. Give written notice of an occurrence or an offense
Form,does not apply to"bodily injury"or"property may to us which result in a claim or "suit" under
damage" arising out of the "products-completed y
this insurance;
operations Lazard" unless required by the written
contract or written agreement.
SB-146968-A Page 1 of 2
(Ed. 01106)
SB-146968-A
(Ed.01/06)
2. Tender the defense and indemnity of any claim or against that "suit" If no other insurer defends, we
"suit" to us for a loss we cover under this will undertake to do so, but we will be entitled to
Coverage Part; the additional insured's rights against all those
3. Tender the defense and indemnity of any claim or other insurers.
"suit" to any other insurer which also has When this insurance is excess over other
insurance for a loss we cover under this Coverage insurance, we will pay only our share of the
Part; and amount of the loss, if any, that exceeds the sum
4. Agree to make available any other insurance of:
which the additional insured has for a loss we (a) The total amount that all such other insurance
cover under this Coverage Part. would pay for the loss in the absence of this
We have no duty to defend or indemnify an additional insurance; and
insured under this endorsement until we receive (b) The total of all deductible and self-insured
written notice of a claim or "suit" from the additional amounts under all that other insurance.
insured.
We will share the remaining loss, if any, with any
D. OTHER INSURANCE (Section H. 2. & 3.) of the other insurance that is not described in this
Businessowners Common Policy Conditions are Excess Insurance provision and was not bought
deleted and replaced with the following: specifically to apply in excess of the Limits of
2. This insurance is excess over any other insurance Insurance shown in the Declarations of this
naming the additional insured as an insured Coverage Part,
whether primary, excess, contingent or on any E. TRANSFER OF RIGHTS OF RECOVERY AGAINST
other basis unless a written contract or written OTHERS TO US (Section K.2.) of the
agreement specifically requires that this insurance Businessowners Common Policy Conditions is deleted
be either primary or primary and noncontributing and replaced with the following:
to the additional insured's own coverage, This 2 We waive any right of recovery we may have
insurance is excess over any other insurance to
which the additional insured has been added as against any person or organization against whom you
an additional insured by endorsement. have agreed to waive such right of recovery in a
written contract or agreement because of payments
3. When this insurance is excess, we will have no we make for injury or damage arising out of your
duty under Coverages A or B to defend the ongoing operations or "your work" done under a
additional insured against any "suit" if any other contract with that person or organization and included
insurer has a duty to defend the additional insured within the"products-completed operations hazard."
0
CJ
N
O
O
5B-146968-A Page 2 of 2
(Ed.01/06)
CNA Policy#B6025654530 SB146902G
(Ed.6-16)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HIRED AUTO AND NON-OWNED AUTO LIABILITY
This endorsement modifies insurance provided under the following:
BUSINESSOWNERS LIABILITY COVERAGE FORM
BUSINESSOWNERS COMMON POLICY CONDITIONS
SCHEDULE
Insurance is provided only with respect to those coverages for which a specific limit is shown:
COVERAGE LIMIT
Hired Auto Liability: $
Non-owned Auto Liability: $
(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as
applicable to this endorsement.)
PROVISIONS
A. COVERAGE
With respect only to the Coverage(s) for which a limit is shown in the SCHEDULE above, the insurance provided
under Coverage A.1. Business Liability for "bodily injury" and "property damage" also applies to "bodily injury" or
"property damage"arising out of the maintenance or use of a:
• "Hired auto"used by you or your"employee"in the course of your business; and/or
• "Non-owned auto" used in the course of your business. Maintenance or use of a "non-owned auto" includes test
driving in connection with an"auto business."
With respect only to the coverage provided by this endorsement, under Coverages, coverage A.I.Business Liability
is amended to:
1. Delete paragraph A.1.b.(1)(b)and replace it with the following:
b. This insurance applies:
(1) To"bodily injury"and "property damage"only if:
(b) The"occurrence"occurs during the policy period;and
2. Delete paragraph A.1.b.(2),.
B. LIMITS OF INSURANCE
With respect only to the coverage provided by this endorsement, SECTION D. Liability And Medical Expenses
Limits of Insurance is deleted in its entirety and replaced with the following:
D. Limits Of Insurance
I. Regardless of the number of:
a. Insureds;
b. Claims made or"suits"brought;
c. Persons or organizations making claims or bringing"suits'; or
d. "Autos,"
the applicable Hired Auto Liability limit or Non-Owned Auto Liability limit shown in the Declarations is the most
we will pay for damages under SECTION A. Coverages because of all "bodily injury"and "property damage"
resulting from any one "occurrence" arising out of the maintenance or use of a "hired auto" or "non-owned
auto."
SB146902G(Ed.6-16)
Page 1 of 3
Copyright,CNA All Rights Reserved.
CNA SB146902G
(Ed.6-16)
C. EXCLUSIONS
With respect only to the insurance provided by this endorsement:
1. Under Exclusions, the paragraph entitled Applicable to Business Liability Coverage is amended to delete all
exclusions except exclusions a., b.,d., e.,f.and i.and to add the following exclusions:
This insurance does not apply to:
Fellow Employee
"Bodily injury"to:
(1) Any fellow "employee" of the insured arising out of and in the course of employment by the insured or
while performing duties related to the conduct of the insured's business; or
(2) The spouse, child, parent, brother or sister of that fellow "employee" while as a consequence of
Paragraph(1)above.
• Care,Custody or Control
"Property Damage"to:
(1) Property owned or being transported by, or rented or loaned to the insured;or
(2) Property in the care, custody or control of the insured.
D. WHO IS AN INSURED
With respect only to the insurance provided by this endorsement,Who Is An Insured is replaced by the following:
Each of the following is an insured under this insurance to the extent set forth below:
1. You;
2. Subject to paragraph 3.c. below, your"employee" while operating an "auto" hired or rented under a contract or
agreement, with your permission, in that "employee's" name, while performing duties related to the conduct of
your business.
3. Anyone else including any partner or"executive officer"of yours while using with your permission a"hired auto"or
a"non-owned auto"except:
a. The owner or lessee(of whom you are a sublessee)of a"hired auto"or the owner or lessee of a"non-owned
auto"or any agent or"employee"of any such owner or lessee;
b. Your"employee"if the covered"auto"is owned by that"employee"or a member of his or her household;
c. Your "employee" if the covered "auto" is leased, hired or rented by him or her or a member of his or her
household under a lease or rental agreement for a period of 180 days or more;
d. Any partner or"executive officer"with respect to any"auto"owned by such partner or officer or a member of
his or her household;
e. Any partner or "executive officer" with respect to any "auto" leased or rented to such partner or officer or a
member of his or her household under a lease or rental agreement for a period of 180 days or more;
L Any person while employed in or otherwise engaged in duties in connection with an "auto business," other
than an"auto business"you operate;
g. Anyone other than your "employees," partners, a lessee or borrower or any of their "employees," while
moving property to or from a"hired auto"or a"non-owned auto";or
4. Any other person or organization, but only with respect to their liability because of acts or omissions of an insured
under 1.,2.or 3.above.
E. AMENDED DEFINITION
The Definition of"insured contract"in Section F— Definitions isamended by the addition of the following exceptions to
paragraph f.:
SB146902G(Ed.6-16)
Page 2 of 3
Copyright,CNA All Rights Reserved.
SB 146902G
C�IA
/� (Ed.6-16)
Paragraph f.does not include that part of any contract or agreement:
• That pertains to the loan, lease or rental of an "auto" to you or any of your "employees," if the "auto" is loaned,
leased or rented with a driver; or
• That holds a person or organization engaged in the business of transporting property by"auto" for hire harmless
for your use of a covered "auto" over a route or territory that person or organization is authorized to serve by
public authority.
F. ADDITIONAL DEFINITIONS
Section F. Definitions is amended by the addition of the following definitions:
a. "Auto Business"means the business or occupation of selling, repairing,servicing,storing or parking"autos."
b. "Hired auto" means any "auto"you or your"employee" lease, hire, rent or borrow in the course of your business.
This does not include:
i. Any"auto"you lease, hire or rent under a lease or rental agreement for a period of 180 days or more, or
'ri. Any"auto"you lease, hire, rent or borrow from any of your"employees," partners, stockholders, or members
of their households.
c. "Non-owned auto" means any "autos" you do not own, lease, hire, rent or borrow that are being used in the
course and scope of your business at the time of the 'occurrence." This includes "autos" owned by your
"employees" or partners or members of their households but only while being used in the course and scope of
your business at the time of the"occurrence."
If you are a sole proprietor, "non-owned auto" means any"autos" you do not own, lease, hire, rent or borrow that
are being used in the course and scope of your business or personal affairs at the time of the"occurrence."
G. With respect only to the operation of a "hired auto" or "non-owned auto," Paragraph H, of the Businessowners
Common Policy Conditions is deleted and replaced with the following:
H. Other Insurance
1. Except for any liability assumed under an"insured contract"the insurance provided by this Coverage Form is
excess over any other collectible insurance.
However, if your business is the selling, servicing, repairing, parking or storage of "autos," the insurance
provided by this endorsement is primary when covered "bodily injury" or"property damage"arises out of the
operation of a customer's"auto"by you or your"employee."
2. When this Coverage Form and any other Coverage Form or policy covers on the same basis,either excess or
primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage
Form bears to the total of the limits of all the Coverage Forms and policies covering on the same basis.
All other terms and conditions of the Policy remain unchanged.
SB146902G(Ed.6-16)
Page 3of3
Copyright,CNA All Rights Reserved.
VIA
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
WAIVER OF OUR RIGHT TO RECOVER
FROM OTHERS ENDORSEMENT
Policy Number: 57 WEG AC20BW Endorsement Number: 001
Effective Date: 09/30/25 Effective hour is the same as stated on the Information Page of the policy.
Named Insured and Address: Environment Planning Development Solutions Inc.
3333 Michelson Dr., Suite 500
Irvine CA 92612
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 shall not operate directly or indirectly to benefit anyone not named in the Schedule.
SCHEDULE
Any person or organization for whom you are required-by contract or agreement to obtain this waiver from us.
Endorsement is not applicable in KY, NH, NJ or for any MO construction risk
Countersigned by
Authorized Representative
Form WC 00 03 13 Printed in U.S.A.
Process Date: 10/03/25 Policy Expiration Date: 09/30/26
NA Professional Liability and Pollution Incident Liability Insurance
Policy# EEH591923312
4. fully cooperate with the Insurer or the Insurer's designee in the defense of a claim, including but not
limited to assisting the Insurer in: the conduct of suits or other proceedings, settlement
negotiations, and the enforcement of any right of contribution or indemnity against another who
may be liable to the Insured. The Insured shall attend hearings and trials and assist in securing
evidence and obtaining the attendance of witnesses;
5. refuse, except solely at the Insured's own cost, to voluntarily make any payment, admit liability,
assume any obligation, or incur any expense, without the Insurer's prior written approval; and
6. pay the deductible amount when due.
After the Insured reports a circumstance or a claim is made and the Insured has the right under any
contract to either reject or demand arbitration or other alternative dispute resolution process, the
Insured shall only do so with the Insurer's prior written consent.
C. The Insured's Rights and Duties in the Event of a Circumstance
If the Insured reports a circumstance for which there may be coverage under this Policy, and the
Insured gives the Insurer written notice containing as much detail as the Insured can reasonably provide
regarding:
1. what happened and the professional services or activities the Insured performed;
2. the nature of any possible injury or damages; and
3_ how and when the Insured first became aware of such circumstance,
then any claim or related claims that subsequently may be made against the Insured arising out of such
circumstance shall be deemed to have been made on the date the Insurer received written notice of the
circumstance.
The Insured will cooperate with the Insurer in addressing the circumstance, and refuse, except solely at
the Insured's own cost, to voluntarily make any payment, admit liability, assume any obligation, or incur
any expense without the Insurer's prior written approval.
D. Subrogation
If any Insured has rights to recover amounts from another, those rights are transferred to the Insurer to
the extent of the Insurer's payment. The Insured must do everything necessary to secure these rights
and must do nothing after a claim is made to jeopardize them. The Insurer hereby waives subrogation
rights against any person or organization to the extent that the Named Insured has, prior to a wrongful
act or circumstance, entered into a written agreement to waive such rights.
E. Premium
All premium charges under this Policy will be computed according to the rules, rates and rating plans
that apply at the effective date of the current policy term.
F. Examination and Audit
The Insured agrees to allow the Insurer to examine and audit the Insured's financial books and records
that relate to this insurance. The Insurer may do this at any time during the policy term or any
extensions, and up to three years after the end of the policy term.
G. Legal Action Limitation
1. The Insured agrees not to bring any legal action against the Insurer concerning this Policy unless the
Insured has fully complied with all the provisions of this Policy.
2. If, after the final adjudication or settlement of a claim, there is any dispute concerning tort
allegations against the Insurer regarding the handling or settlement of any claim, the Insured and the
Insurer agree to submit such dispute to any form of alternative dispute resolution acceptable to both
Form No:CNA79034XX(11-2022) Policy No: EEH591923312
Policy Page 13 of 17 Policy Effective Date:09/30/2024
Underwriting Company:Continental Casualty Company Policy Page: 15 of 26
151 North Franklin street,Chicago, IL 60606
opydg t CNA Allig is ese ve .