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HomeMy WebLinkAboutFUJII LAW GROUP LLP (2)NSURANCE ON FILE WORK my ppl^(, r. UAI F DEC 0 3 ZQ2 0: (pro ( N) Oa�►iCl QUti�Jon 01(D2) LEGAL SERVICES AGREEMENT WITH FUJII LAW GROUP LLP N-2025-280 This AGREEMENT, made and entered into this 24th day of November, 2025, by and between Fujii Law Group LLP, a limited liability partnership ("Attorneys"), and the City of Santa Ana, a charter city and municipal corporation duly organized and existing under the constitution and laws of the State of California ("City"). RECITALS A. The City of Santa Ana and the City Attorney's Office desire to employ Attorneys to assist the in-house attorneys for the City ("City Attorney") in the provision of legal services to the City, for general municipal law advisory and litigation matters. B. Attorneys represent that they are licensed to practice law in the State of California, have special experience and knowledge providing general municipal law advisory and litigation services and desire to undertake said service. NOW THEREFORE, in consideration of the mutual and respective promises, and subject to the terms and conditions hereinafter set forth, the parties agree as follows: 1. RETENTION OF ATTORNEYS On an as -needed basis, and at the sole discretion of the City, City hereby agrees to and does retain Attorneys, for the compensation hereinafter specified, to assist the City Attorney with general municipal advisory and litigation matters, and to defend the City, its employees and its officials. Attorneys accept said retention and agree to perform, in a timely and efficient manner, all such services as may be requested by the City Attorney. Attorneys shall confirm their acceptance of work requested by City in writing by e-mail or letter. 2. COMPENSATION FOR SERVICES RENDERED a. City agrees to compensate Attorneys, and Attorneys agree to accept from City, rates consistent with rates pursuant to the Independent Cities Risk Management Association (ICRMA) for payment in full for all services at the rate of $275.00 an hour for partners, $265.00 an hour for attorneys, and $125.00 an hour for paralegals. Time will be billed in I110th of an hour increments. b. The total sum to be expended under this Agreement, shall not exceed $50,000. C. City agrees to reimburse Attorneys for out-of-pocket expenses, including but not limited to, mileage, copying costs, service of process, and mail services authorized by the Executive Director of Human Resources in connection with the performance of duties under this Agreement. In-house printing, copying, and reproduction charges will be reimbursed at the rate of 20 cents per page. Automobile travel will be reimbursed at the standard mileage rate in effect at the time of billing by the Internal Revenue Service. Any costs in excess of $5,000 require the approval of the City Attorney or designee prior to incurring the expense. All expenses must have supporting documentation submitted with the invoice. 3. METHOD OF PAYMENT Attorneys shall submit a monthly statement specifying the services performed, dates and number of hours, and an itemization of expenses related thereto with supporting documentation (i.e. receipts, invoices, copy of check, etc.). City acknowledges that the fees incurred for work performed by Attorneys on its behalf are due and owing within 30 days of submitting the monthly statement to the City. City will not pay interest on unpaid monthly statements. City and Attorneys agree that all payments due and owing under this Agreement shall be made through Automated Clearing House (ACH) transfers. City acknowledges that Attorneys have executed the City's standard ACH Vendor Payment Authorization and provided required documentation, and, upon verification of the data provided, the City will be and is authorized to deposit payments directly into Attorneys' account(s) with financial institutions. Payment need not be made for work which fails to meet the standards of performance set forth in the Recitals which may reasonably be expected by City. 4. CONTROL OF LEGAL MATTERS Attorneys agree that each and every matter or proceeding in which they undertake to assist the City Attorney, as aforesaid, shall be and remain under, and subject to the control and direction of said City Attorney at all stages, and that they shall at all times keep the City Attorney informed of all matters pertaining thereto. City will keep Attorneys informed of all significant developments in matters relating to any representation undertaken by Attorneys. Attorneys further agree, if and when their retention hereunder is terminated by City, as hereinafter specified, they shall return to City Attorney any and all files then in their possession concerning each and every matter or proceeding in which they represented the City pursuant to this Agreement. 5. TERM The term of this Agreement shall commence on the date first written above and terminate one year from the effective date, above, unless terminated earlier pursuant to Section 14 below. The term of this Agreement may be extended for up to one (1) year upon a writing executed by both parties, including the City Manager and the City Attorney. 6. INDEPENDENT CONTRACTORS It is mutually agreed by and between the parties that, in the performance of their covenants hereunder, Attorneys are and shall be independent contractors, and not officers or employees of City. 7. INSURANCE Prior to undertaking performance of work under this Agreement, Attorneys shall maintain and shall require any subcontractors to obtain and maintain insurance as described below for the entire Term of this Agreement against claims for injuries to persons or damage to property which may arise from or in connection with services, products and materials supplied to City. Total cost of such insurance shall be borne by Attorneys. MINIMUM SCOPE AND LIMIT OF INSURANCE 1. Commercial General Liability (CGL): Insurance Services Office Form CG 00 01 covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $1,000,000 per occurrence and $2,000,000 aggregate. Required policy limits can be met with primary and umbrella/excess insurance policies. Automobile Liability: Insurance Services Office Form CA 00 01 covering Code 1 (any auto), with limits no less than $1,000,000 combined single limits. In the event Attorney(s) does not maintain commercial automobile liability insurance, the City will accept evidence of Hired and Non -Owned Auto Liability coverage included on the General Liability policy by endorsement with limits no less than $1,000,000 combined single limit per occurrence. This coverage addresses the City's vicarious liability exposure when Attorney(s) operate personal, hired, or rented automobiles while conducting business on behalf of the City. Coverage may be provided through a combination of primary General Liability and umbrella/excess liability policies. Attorney(s) shall provide evidence that this endorsement is in effect on the General Liability policy. 3. Workers' Compensation: as required by the State of California, with Statutory Limits, and Employer's Liability Insurance with limit of no less than $1,000,000 per accident, policy or employee, for bodily injury or disease. Coverage is not required if Attorneys has no employees and signs request to waive such insurance. 4. Professional Liability Insurance: with limits no less than $1,000,000 per occurrence or claim, and $3,000,000 aggregate. If Attorneys maintain broader coverage and/or higher limits than the minimum requirements for each line of coverage shown above, City requires and shall be entitled to the broader coverage and/or the higher limits maintained by Attorneys. Any available insurance proceeds in excess of the specified minimum limits of insurance and coverage shall be available to City. Other Insurance Provisions The above required insurance policies are to contain or be endorsed to contain the following provisions: 1. City, its City Council, its officers, officials, employees, agents, and volunteers are to be covered as additional insureds, under Attorneys' CGL, and Automobile Liability policies, with respect to any liability arising out of work or operations performed by or on behalf of the Instructor including materials, parts, equipment, and personnel furnished in connection with such work or operations. 2. Attorneys' Insurance company(ies) agrees to waive all rights of subrogation against City, its City Council, its officers, officials, employees, agents, and volunteers for losses paid under the terms of any policy which arise from work performed by Attorneys under this Agreement. 3. For any claims related to this contract, Attorneys' insurance coverage shall be primary and any insurance maintained by City, its City Council, its officers, officials, employees, agents, or volunteers shall not contribute with it. 4. A severability of interest provision must apply for all the additional insureds, ensuring that Attorneys' insurance shall apply separately to each insured against whom a claim is made or suit is brought, except with respect to the insurer's limits of liability. 5. Insurance policies required herein shall provide that coverage shall not be canceled, suspended, voided, reduced in coverage or in limits, non -renewed by the carrier, or materially changed except after thirty (30) days prior written notice has been given to City. Ten (10) days prior written notice shall be provided to City for policy cancellation or non - renewal due to non-payment of premium. 6. Certificate Holder on each Evidence of Insurance certificate shall be: City of Santa Ana, Attention: Risk Management Office, 20 Civic Center Plaza, M-24, Santa Ana, CA 92701. The name and location of project must be included in the Description of Operations section of each certificate. Self -Insured Retentions Self -insured retentions must be declared to and approved by the City. The City may require the Attorneys to purchase coverage with a lower retention or provide proof of ability to pay losses and related investigations, claim administration, and defense expenses within the retention. Acceptability of Insurers Insurance is to be placed with insurers authorized to conduct business in the State of California with a current A.M. Best rating of no less than A: VII, unless otherwise acceptable to City. Verification of Coverage Attorneys shall furnish City with original Certificates of Insurance including all required amendatory endorsements (or copies of the applicable policy language effecting coverage required by this clause) and a copy of the Declarations and Endorsement Page of the CGL policy listing all policy endorsements before work begins. However, failure to obtain the required documents prior to the work beginning shall not waive Attorneys' obligation to provide them. City reserves the right to require complete, certified copies of all required insurance policies, including endorsements required by these specifications, at any time. Special Risks or Circumstances City reserves the right to modify these requirements, including limits, based on the nature of the risk, prior experience, insurer, coverage, or other special circumstances. 8. INDEMNIFICATION Attorneys agree to and shall indemnify and hold harmless the City, its officers, agents, employees, and representatives from liability for personal injury, damages, restitution, judicial or equitable relief to the extent caused by Attorneys' negligent or wrongful performance or conduct related to this Agreement. 9. CONFIDENTIALITY All information and documents shared with Attorneys as well as all work performed by Attorneys in connection with this Agreement should be treated as strictly confidential. Confidential information disclosed to either party by any subsidiary and/or agent of the other party is covered by this Agreement. The foregoing obligations of non-use and nondisclosure shall not apply to any information that (a) has been disclosed in publicly available sources; (b) is, through no fault of the Attorneys, disclosed in a publicly available source; (c) is in rightful possession of the Attorneys without an obligation of confidentiality; (d) is required to be disclosed by operation of law; or (e) is independently developed by the Attorneys without reference to information disclosed by the City. 10. CONFLICT OF INTEREST CLAUSE Attorneys covenant that it presently has no interests and shall not have interests, direct or indirect, that would conflict in any manner with performance of services specified under this Agreement. It. NOTICE Any notice, tender, demand, delivery, or other communication pursuant to this Agreement shall be in writing and shall be deemed to be properly given if delivered in person or mailed by first class or certified mail, postage prepaid, or sent by telefacsimile or other telegraphic communication in the manner provided in this Section, to the following persons: To City: City Cleric City of Santa Ana 20 Civic Center Plaza (M-30) P.O. Box 1988 Santa Ana, California 92702-1988 Courtesy Copy: City Attorney's Office City of Santa Ana 20 Civic Center Plaza (M-29) P.O. Box 1988 Santa Ana, California 92702 To Attorneys: John Fujii, Esq. Fujii Law Group LLP 2 Park Plaza, Ste. 450 Irvine, CA 92614 A party may change its address by giving notice in writing to the other party. Thereafter, any notice, tender, demand, delivery, or other communication shall be addressed and transmitted to the new address. If sent by mail, communication shall be effective or deemed to have been given three (3) days after it has been deposited in the United States mail, duly registered or certified, with postage prepaid, and addressed as set forth above. If sent by telefacsimile, communication shall be effective or deemed to have been given twenty-four (24) hours after the time set forth on the transmission report issued by the transmitting facsimile machine, addressed as set forth above. For purposes of calculating these time frames, weekends, federal, state, County or City holidays shall be excluded. 12. EXCLUSIVITY AND AMENDMENT This Agreement represents the complete and exclusive statement between the City and Attorneys, and supersedes any and all other agreements, oral or written, between the parties. In the event of a conflict between the terms of this Agreement and any attachments hereto, the terms of this Agreement shall prevail. This Agreement may not be modified except by written instrument signed by the City and by an authorized representative of Attorneys. The parties agree that any terms or conditions of any purchase order or other instrument that are inconsistent with, or in addition to, the terms and conditions hereof, shall not bind or obligate Attorneys or the City. Each party to this Agreement acknowledges that no representations, inducements, promises or agreements, orally or otherwise, have been made by any party, or anyone acting on behalf of any parties, which are not embodied herein. 13. ASSIGNMENT Inasmuch as this Agreement is intended to secure the specialized services of Attorneys, Attorneys may not assign, transfer, delegate, or subcontract any interest herein without the prior written consent of the City and any such assignment, transfer, delegation or subcontract without the City's prior written consent shall be considered null and void. Nothing in this Agreement shall be construed to limit the City's ability to have any of the services which are the subject of this Agreement performed by City personnel or by other Attorneys retained by City. 14. TERMINATION This Agreement may be terminated by City at any time. In such event, Attorneys shall be entitled to receive and the City shall pay Attorneys compensation for all services performed by Attorneys prior to receipt of such notice of termination. As a condition of such payment, Attorneys shall deliver to the City all files and records generated under this Agreement as of such date. Attorneys may terminate this agreement, subject to their obligation to provide written reasonable notice of at least thirty (30) days to arrange alternative representation. In such case, City agrees to secure new counsel as quickly as possible and to cooperate fully in the substitution of the new counsel as counsel of record in in the Actions. 15. NON-DISCRIMINATION Attorneys shall not discriminate because of race, color, creed, religion, sex, marital status, sexual orientation, gender identity, gender expression, gender, medical conditions, genetic information, or military and veteran status, age, national origin, ancestry, or disability, as defined and prohibited by applicable law, in the recruitment, selection, teaching, training, utilization, promotion, termination or other employment related activities or any services provided under this Agreement. Attorneys affirm that it is an equal opportunity employer and shall comply with all applicable federal, state and local laws and regulations. 16. JURISDICTION — VENUE This Agreement has been executed and delivered in the State of California and the validity, interpretation, performance, and enforcement of any of the clauses of this Agreement shall be determined and governed by the laws of the State of California. Both parties further agree that Orange County, California, shall be the venue for any action or proceeding that may be brought or arise out of, in connection with or by reason of this Agreement. 17. MISCELLANEOUS PROVISIONS Each undersigned represents and warrants that its signature herein below has the power, authority and right to bind their respective parties to each of the terms of this Agreement, and shall indemnify City fully, including reasonable costs and attorney's fees, for any injuries or damages to City in the event that such authority or power is not, in fact, held by the signatory or is withdrawn. 6 18. COUNTERPARTS; SIGNATURES This Agreement may be executed in counterparts, secured via facsimile transmission or otherwise, each of which shall be deemed to be an original. Photocopies of any executed counterpart shall have the same force and effect as an original. City further acknowledges that it has read and received a copy the full text Section 6148 of the California Business and Professions Code prior to signing this Agreement. 19. NO GUARANTEES City understands and acknowledges that there are certain risks and uncertainties in the pursuit of any matter for which Attorneys have been retained, that law is not an exact science, that Attorneys have made no representations or guarantees of success regarding the conclusion of any particular matter. [signature page to follow] IN WITNESS WHEREOF, the parties hereto have executed this Agreement the day and year first above written. ATTEST: APPROVED AS TO FORM: SONIA R. CARVALHO City Attorney By: qlu W�-� Tamara Bogosian Senior Assistant City Attorney CITY OF SAGA ANA AYvaro Nunez City Manager FUJII LAW GROUP, LLP John Fujii, Esq. Partner VA ACOR®® CERTIFICATE OF LIABILITY INSURANCE L--� DATE(MMIDD/YYYY) 10/3112025 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 [IOU of such endorsements . PRODUCER Cedarwood Financial & Insurance Services Inc 1777 Oak Ave Ste B Davis, CA 95616 CONTACT Andrew Yang PHONE , 530-753-0700 1ac Net: 530-231.0157 AUGHess: yangal@cwfinins.com INSURERS AFFORDING COVERAGE NAIC9 INSURER A: Hartford Underwriters Insurance Company 30104 INSURED FUJII LAW GROUP LLP INSURERS: Hartford Casualty Insurance Company 29424 INSURERC: AnIGUARD Insurance Company 42390 JOHN FUJII INSURERD: Spinnaker Insurance Company24376 2 PARK PLAZA SUITE 450 INSURERE: IRVINE, CA 92614 INSURER F : COVERAGES CERTIFICATE NUMBER: 00002297-0 REVISION NUMBER: 14 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 ryPE OF INSURANCE ADDLSUBR POLICY EFF POLICY EXP LTR POLICY NUMBER MMIDO MMIDD/YYYY LIMITS A X( COMMERCIAL GENERAL LIABILITY Y Y 51SBABMIMCY 12/15/2024 1211512/25 EACHOCCURRENCE $ 1009000 DAMAGE TOCLAIMS-MADE OCCUR PREMSES(Eaoocu encel $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: POLICY ❑ ECT PRO- ❑ LOU OTHER: A AUTOMOBILE LIABILITY 51SBABMlMCY ANY AUTO OWNED F—] SCHEDULED AUTOS ONLY AUT" HIRED NOWOWNE X AUTOS ONLY e AUTOS ONLY A X UMBRELLA LIAB X OCCUR 51SBABMIMCY EXCESS LIAB nno.a..Arnv B WOMERSCOMPENSATION Y 51WECBA9A51 AND EMPLOYERS'LIABILITY YIN ANY PROPRIETORIPARTNERIEXECUTIVE ❑ OFFICERIMEMBER EXCLUDED? Y NIA C I Lawyers Prof. Liab. FU D Cyber Liability FL 12115/2024 11211512025 I one person) ADVINJURY COMBINED SINGLE LIMIT $ Ea..d nl _ BODILY INJURY (Per person) $ BODILY INJURY(Peraocidenl) $ PROPERTY DAMAGE $ Peraccidenl 1012912025 12115/2025 EACH OCCURRENCE AGGREGATE 12115/2024 11211512025 E.L. EACH ACC E.L. DISEASE - 12/15/2024 12115/2025 Per Claim/Aggr 1,000,00013,000,000 12115/2024 12115/2025 Perclaim 1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached If more apace is required) Those usual to the Insured's Operations. The City of Santa Ana, its City Council, its officers, officials, employees, agents, and volunteers are Additional Insured per the Business Liability Coverage Form SL3032 attached to this policy. Waiver of subrogation endorsement as to General Liability per Form SL3003 attached. Waiver of subrogation endorsement as to Workers Compensation per Form WC 040306 attached. ''., DlgitadysIgnedby Tu Tran,TuT,anNguan Nguyen°A a3'a�no' APPROVED CFRTIFICATF HOI_nFR CANCFI I ATInIU City Clerk SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Santa Ana THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza (M-30) P.O. Box 1988 AUTHORIZED REPRESENTATIVE " ? SANTA ANA, CA 92702-1988 YA1 U 1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Printed by YA1 on 10131/2025 at 02:22PM THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number: 51 WEC BA9A51 Endorsement Number: 005 Effective Date: 10/31/25 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: Fuji! Law Group LLP 2 Park Plaza Suite 450 Irvine CA 92614 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 % of the California workers' compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description City of Santa Ana, its City Council, officers, officials, employees, agents, and volunteers, 20 CIVIC CENTER PLZ, SANTA ANA, CA, 92701 Countersigned by Form WC 04 03 06 (1) Printed in U.S.A. Process Date: 10/31/25 Authorized Representative Policy Expiration Date: 12/15/25 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. lul THE HARTFORD WAIVER OF SUBROGATION This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS: We waive any right of recovery we may have against: a. Any person or organization shown in the Declarations, or b. Any person or organization with whom you have a contract that requires such waiver. Form SL 30 03 10 18 Page 1 of 1 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE A HARTFORD BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision that such person or organization be added as an additional insured on your Coverage Part, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit. A person or organization is an additional insured under this provision only for that period. of time required by the contract, agreement or permit. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by any other endorsement issued by us and made a part of this Coverage Part. The insurance afforded to such additional insured will not be broader than that which you are required by the contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. The limits of insurance that apply to additional insureds are described in Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS. a. Vendors Any person(s) or organization(s) (referred to below as vendor), 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 and only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (1) The insurance afforded to the vendor is subject to the following additional exclusions: This insurance 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 Form SL 30 32 06 21 Page 1 of 3 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE .A HARTFORD (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 Paragraphs (d) or (f); or (ii) 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. b. Lessors Of Equipment (1) Any person or organization from whom you lease equipment; but only with respect to their liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after you cease to lease that equipment. c. Lessors Of Land Or Premises (1) Any person or organization from whom you lease land or premises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) Any "occurrence" which takes place after you cease to lease that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Architects, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for "bodily Injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In connection with your premises; (b) In the performance of your ongoing operations performed by you or on your behalf; or (c) In connection with "your work" and included within the "products -completed operations hazard", but only if: (1) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the Insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services, including: (1) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. Form SL 30 32 06 21 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 2 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE PA HARTPORD e. State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1) Any state or governmental agency or subdivision or political subdivision, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) 'Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or (b) 'Bodily injury" or "property damage" included within the "products -completed operations hazard". f. Any Other Party (1) Any other person or organization who is not in one of the categories or classes listed above in Paragraphs a. through e. above, but only with respect to liability for "bodily Injury", 'property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In the performance of your ongoing operations performed by you or on your behalf; (b) In connection with your premises owned by or rented to you; or (c) In connection with "your work" and included within the 'products -completed operations hazard", but only if: (t) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (it) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", 'property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, Inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service described in Paragraphs f.(2)(a) or f.(2)(b) above. Form SL 30 32 06 21 © 2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 3 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD HIRED AUTO AND NON -OWNED AUTO LIABILITY This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. Amended Coverage: The following is added to Section A. COVERAGES: Coverage is extended to "bodily injury" and "property damage" arising out of the use of a "hired auto" or "non -owned auto". B. The following changes are made to Section B. EXCLUSIONS: 1. Exclusion g. Aircraft, Auto Or Watercraft does not apply to a "hired auto" or a "non -owned auto". 2. Exclusion e. Employer's Liability does not apply to "bodily injury" to domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the insured under an "insured contract". 3. Exclusion f. Pollution is deleted and replaced by the following: (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) That are, or that are contained in any property that is: (1) Being transported or towed by, handled, or handled for movement into, onto or from, the covered "auto' (ii) Otherwise in the course of transit by or on behalf of the "insured'; or (III) Being stored, disposed of, treated or processed in or upon the covered "auto". (b) Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the insured for movement into or onto the covered "auto'; or (c) After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the insured. Paragraph (a) above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered "auto" or its parts, if: (1) The "pollutants" escape, seep, migrate, or are discharged or released directly from an "auto" part designed by its manufacturer to hold, store, receive, or dispose of such "pollutants"; and (ii) The "bodily injury" and "property damage" does not arise out of the operation of any equipment listed in Paragraphs 15.f.(2) and 151(3) of the definition of "mobile equipment". Paragraphs (b) and (c) above do not apply to accidents that occur away from premises owned by or rented to an "insured" with respect to "pollutants" not in or upon a covered "auto" if: (1) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto'; and (ii) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage as a result of the maintenance or use of a covered "auto". 4. The following exclusion is added: Fellow employee Coverage does not apply to "bodily injury" to any fellow "employee" of the insured arising out of the operation of an "auto" owned by the insured in the course of the fellow "employee's" employment. Form SL 30 26 1018 Page 1 of 3 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 5. The following exclusion is added: Care, Custody Or Control Coverage does not apply to "property damage" involving property owned or transported by the insured or in the insured's care, custody or control. C. With respect to "hired auto" and "non -owned auto" coverage, Section C. WHO IS AN INSURED is deleted and replaced by the following: 1. The following are insureds: a. You. b. Your "employee" while using with your permission: (1) An "auto" you hire or borrow; or (2) An "auto" you don't own, hire or borrow in your business or personal affairs; or (3) An "auto" hired or rented by your "employee" on your behalf and at your direction. c. Anyone else while using a "hired auto" or "non -owned auto" with your permission except: (1) The owner or anyone else from whom you hire or borrow an "auto". (2) Someone using an auto while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours. (3) Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company), or a lessee or borrower or any of their "employees", while moving property to or from an "auto". (4) A partner (if you are a partnership), or a member (if you are a limited liability company) for an "auto" owned by him or her or a member of his or her household. d. Anyone liable for the conduct of an insured described above but only to the extent of that liability. D. With respect to the operation of a "hired auto" or "non -owned auto" covered by this endorsement, the following changes are made to Section E. LIABILITY AND MEDICAL EXPENSES CONDITIONS: 1. The following condition is added: Otherinsurance a. Except for any liability assumed under an "insured contract" the insurance provided by this endorsement 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". b. When this endorsement and any other endorsement, coverage part, 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 endorsement bears to the total of the limits of all the endorsements, coverage parts, and policies covering on the same basis. 2. The following condition is added: Two Or More Coverage Parts, Endorsements, Or Policies Issued By Us If this endorsement and any other endorsement, coverage part or policy issued to you by us or any company affiliated with us apply to the same accident, the aggregate maximum Limit of Insurance under all the endorsements, coverage parts, or policies shall not exceed the highest applicable Limit of Insurance under any one endorsement, coverage part, or policy. This condition does not apply to any endorsement, coverage part, or policy issued by us or an affiliated company specifically to apply as excess insurance over this endorsement. Form SL 30 26 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 2 of 3 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following condition is added: Financial Responsibility Laws a. With respect to a "hired auto" or "non -owned auto" to which this insurance applies, when this endorsement is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, the insurance provided by this endorsement for "bodily injury" liability and "property damage" liability will comply with the provisions of the law to the extent of the coverage and limits of insurance required by that law. b. With respect to a "hired auto" or "non -owned auto" to which this insurance applies, we will provide any liability, uninsured motorists, underinsured motorists, no-fault or other coverage required by any motor vehicle law. We will provide the required limits for those coverages. E. The following changes are made to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: 1. The following definition is added: "Hired auto" means any "auto" you lease, hire, rent or borrow. This does not include any auto you lease, hire, rent or borrow from any of your "employees", your partners (if you are a partnership), members (if you are a limited liability company)„ or your "executive officers" or members of their households. This does not include a long-term leased "auto" that you insure as an owned "auto" under any other auto liability insurance policy or a temporary substitute for an "auto" you own that is out of service because of its breakdown, repair, servicing or destruction. 2. The following definition is added: "Non -owned auto" means any "auto" you do not own, lease, hire, rent or borrow which is used in connection with your business. This includes: a. "Autos" owned by your "employees" your partners (if you are a partnership), members (if you are a limited liability company), or your "executive officers", or members of their households, but only while used in your business or your personal affairs. b. Customer's "auto" that is in your care, custody or control for service. Form SL 30 2610 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) Page 3 of 3 Declarations: THE Business owner's Policy HARTFORD Policy Number: 51 SBA BM MCY Policy Period: 12/15/2024 to 12/15/2025, 12:01 a.m., Standard time at your mailing address shown here. Exception: 12 noon in New Hampshire. Insurer: Hartford Underwriters Insurance Company, a property and casualty company of The Hartford. One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Fujii Law Group LLP 2 PARK PLZ STE 450 IRVINE, CA 92614-2573 Type of Business: Lawyers & Law Firms Name of Agency/Broker: CEDARWOOD INSURANCE SERVICES 1777 OAK AVE SUITE B DAVIS, CA 95616 Code: 51130197 Previous Policy Number: New Organization Type: LLP Audit Period: Non-Auditable Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy. Total Premium includes the premium for all Coverage Parts issued to you in this policy, as well as any companion policies delivered with this policy. Total Premium includes any applicable fees and surcharges. Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit. Countersigned by: � � �'qa� 11/21/2024 Authorized Representative Date A Business Owner's Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to he a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SC 00 01 10 18 IDeclaration4 THE = Business Owner's Policy HARTFORD else, or someone else's property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. Glossary Of Terms* DEFINITIONTERM Audit Period Your Policy period, which may be auditable or non-auditable. If your Policy is auditable, we will examine your business records to determine actual exposures for final premium calculation. Base Coverage Form Each Coverage Part has a form that explains, generally, what is and is not covered. This is the first building block of the Coverage Part. All other forms directly or indirectly modify the Base Coverage Form and are attached to it. Coverage Part A section of the Policy for a particular coverage. unless otherwise stated in a specific Coverage Part, a Coverage Part consists of a Declarations page, a Base Coverage Form, all forms that modify the Base Coverage Form, and other forms applicable to the Coverage Part or the entire Policy. Declarations The part of the insurance contract that specifies the named insured, address, policy period, covered locations, limits of insurance and other key information such as forms applicable to the Coverage Part. Policy A contract between you and us to provide you with certain insurance coverages. Your Spectrum Business Owner's Policy consists of all Coverage Parts and forms common to some or all Coverage Parts. STRETCH® A unique feature of The Hartford's policy is an optional enhancement to the policy which increases the limit of insurance for several coverages and adds new coverages to the policy. STRETCH® Blanket Limit Provides a single limit of insurance that applies to more than one Coverage. Coverages subject to the STRETCH® Blanket Limit may also have additional limits of insurance which would apply in addition to the STRETCH® Blanket Limit. *The terms and definitions contained in the Glossary of Terms are provided to help you better understand your Business Owners Policy and how it is constructed. These terms and definitions are not definitions that apply to any Coverage Part or Policy you have purchased and should not be construed as such. Please refer to the applicable provisions in your coverage parts or policies for complete details of the defined terms, including but not limited to the applicable Definitions section of such Coverage Part or Policy. Form: SC 00 01 10 18 • Declarations: L oLu LI'kj J and Location -used Coverages Here's how your Business Owner's insurance coverage and limits apply to your business locations (LOG). If you have more than one location or building (BLDG), we break out your coverage and limits separately for each LOC. LOC 1, BLDG 1 Class: Lawyers & Law Firms Location: 2 PARK PLZ 5TE 450 IRVINE,CA 92614-2573 Construction Type: Fire Resistive Year Built: 1989 Property Deductible: $1,000 Covered Property (Form Number SP 00 00 10 18) Business Personal Property, includes: • Tenant's Improvements and Betterments • Personal Property of Others Business Personal Property (BPP) - Business Personal Property Limit - Additional Seasonal Increase % Building Valuation Business Personal Property (BPP): Replacement Cost $10,000 25% - Included $0 Form: 5C 00 01 10 18 3 CM Declarations: LMI Property Coverage Part The coverages listed below apply to the location(s) for which you purchased property coverage. The limits in the right-hand column show the maximum amount we'll pay. Read the entire Coverage Part to determine your rights, duties and what is and is not covered under the coverages listed below. STRETCH® Blanket Limit: $50,000 SP 3023 10 18 SP 30 18 10 18 :> ACCOUNTS RECEIVABLE Included in STRETCH" Blanket Limit ARSON AND THEFT REWARD $10A00 SP 30 57 10 18 BACK-UP OF SEWERS AND DRAINS COVERAGE Includedz SP 30 31 10 18 BRANDS AND LABELS BUILDING PROPERTY OF OTHERS Includedz SP 30 59 10 18 $10,000 SP 30 13 10 18 T BUSINESS INCOME AND EXTRA EXPENSE Extended Business Income 60 days Actual Loss Sustained 12 months None -- 30 days None $25,000 12 hours Limit Type Period of Restoration Waiting Period SP 30 19 10 18 SP 30 40 10 18 SP 30 14 10 18 BUSINESS INCOME FOR CIVIL AUTHORITY ORDERS Duration of Coverage Waiting Period BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES Limit Waiting Period BUSINESS INCOME FROM DEPENDENT PROPERTIES Limit $25,000 Period of Restoration Waiting Period BUSINESS INCOME FROM OFF -PREMISES OPERATIONS 12 months None SP 3045 10 18 Extended Business Income 60 days Limit $25,000 Waiting Period None SP 30 4710 18 BUSINESS INCOME FROM WEBSITES Limit Max Period of Restoration Waiting Period SP 30 32 10 18 CLAIM EXPENSE SP 30 00 10 18 COLLAPSE SP 30 60 10 18 COMPUTERS WORLDWIDE $10,000 7 days 12 hours $10,000 i Included Included in STRETCH" Blanket Limit Form: SC 00 01 10 18 4 UE" Declarations: IM, Property Coverage Part CONTINUED SP 30 3710 18 SP 30 01 10 18 CONTRACT PENALTIES I DEBRIS REMOVAL $1,000 Included in STRETCH® Blanket Limit SP 30 29 10 18 SP 30 42 10 18 SP 30 02 10 16 SP 30 38 10 18 SP 30 55 10 18 SP 30 03 10 18 SP 30 04 10 18 SP 30 16 12 19 Limit ELECTRONIC DATA Policy Year Limit EMPLOYEE DISHONESTY COVERAGE - EXCLUDES ERISA COMPLIANCE EQUIPMENT BREAKDOWN Deductible Defense Expediting Expenses Hazardous Substances Supplementary Payments EXPEDITING EXPENSES FINE ARTS COVERAGE FIRE DEPARTMENT SERVICE CHARGE FIRE EXTINGUISHER RECHARGE FORGERY COVERAGE (INCLUDING CREDIT CARDS, CURRENCY AND MONEY ORDERS) 25% of amount paid for covered loss $50,000 $10,000 Induded2 Property Deductible Included $50,000 $50,000 Included $10,000 $10,000 Included in STRETCHO Blanket Limit Includedz $25,000 SP 30 16 10 18 FORGERY COVERAGE (INCLUDING CREDIT CARDS, CURRENCY AND MONEY ORDERS) SP 30 46 10 18 FRAUDULENT TRANSFER COVERAGE SP 30 05 10 18 GARAGES, STORAGE BUILDINGS, AND OTHER APPURTENANT STRUCTURES SP 30 06 10 18 GLASS EXPENSE SP 30 22 10 18 IDENTITY RECOVERY FOR BUSNESSOWNERS AND EMPLOYEES Deductible Limit Lost Wages and Child and Elder Care Expense Mental Health Sublimit $25,000 $10,000 $50,000 Includedz $250 $15,000 $250 per day, $5,000 per policy year $1,500 SP 30 30 10 18 INTERRUPTION OF COMPUTER OPERATIONS Period of Restoration 12 months SP 30 07 10 18 Policy Year Limit Waiting Period LEASE ASSESSMENT $25,000 12 hours $2,500 Form: SC 00 01 10 18 5 Elm Declarations: LMI Property Coverage Part CONTINUED •- •-LIMIT SP 30 54 10 18 LEASEHOLD IMPROVEMENTS SP 30 17 10 18 LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE Limit OF $25,000 $50,000 Period of Restoration 30 days SP 30 08 10 18 LOCK AND KEY REPLACEMENT $1,000 SP 30 36 03 20 LOST KEYS $1,000 SP 30 28 10 18 SP 30 24 12 21 _ MONEY AND SECURITIES COVERAGE Inside the Premises Limit Outside the Premises Limit $10,000 $5,000 NEWLY ACQUIRED OR CONSTRUCTED PROPERTY Newly Acquired or Constructed BIIEE Limit $250,000 $500,000 Newly Acquired or Constructed BPP Limit SP 30 39 10 18 NON -OWNED DETACHED TRAILERS Included in STRETCH® Blanket Limit SP 30 50 1018 OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE $10,000 SP 30 11 12 19 ORDINANCE OR LAW COVERAGE Increased Cost of Construction & Demolition Costs Limit $25,000 Undamaged Part Limit SP 30 25 12 21 OUTDOOR PROPERTY SP 3135 10 18 OUTDOOR SIGNS ON PREMISES SP 30 33 1018 PAIRS OR SETS SP 30 53 10 18 PAVED SURFACES SP 30 09 1018 PERSONAL EFFECTS SP 30 20 10 18 POLLUTANTS AND CONTAMINANTS CLEAN UP AND REMOVAL SP 30 10 1018 PRESERVATION OF PROPERTY SP 30 26 10 18 PROPERTY OFF -PREMISES SP 30 34 1018 SALESPERSONS SAMPLES $26,000 $25,000 $10,000 Included' $15,000 Included in STRETCH* Blanket Limit $15,000 45 days $25,000 $1,000 SP 30 51 10 18 SPOILAGE Included in STRETCH® Blanket Limit Business Income Limit Waiting Period $10,000 12 hours SP 30 49 1018 SUMP OVERFLOW OR SUMP PUMP FAILURE $15,000 SP 30 44 1018 THEFT DAMAGE TO BUILDING Included' SP 30 61 10 18 TRANSIT BUSINESS INCOME Limit $10.000 Form: SC 00 01 1 D 18 EM Declarations: IM, Property Coverage Part CONTINUED Period of Restoration Waiting Period SP 30 48 10 18 TRANSIT COVERAGE SP 30 52 10 18 UNAUTHORIZED BUSINESS CARD USE SP 30 12 10 18 VALUABLE PAPERS AND RECORDS SP 30 35 10 18 VALUATION CHANGES: COMMODITY, FINISHED AND MERCANTILE STOCK SP 30 27 10 18 WATER DAMAGE, OTHER LIQUID, POWDER OR MOLTEN MATERIAL DAMAGE zlncluded within Covered Property Limit(s) (Building and/or Business Personal Property) 12 months None $10,000 $2,500 - --� Included in STRETCH® Blanket Limit Included within Covered Property Limit j (Building and/or BPP) Included -- - - 1 .z ..� _ ._.. . Form Number Form Name SP 01 04 10 18 CALIFORNIA CHANGES - SPECIAL PROPERTY COVERAGE FORM SP 90 16 06 24 IMPORTANT NOTICE TO POLICYHOLDERS WITH A CALIFORNIA LOCATION - WILDFIRE MITIGATION PREMIUM CREDIT _ SP 20 08 10 18 PERILS SPECIFICALLY EXCEPTED SP 00 00 10 18 SPECIAL PROPERTY COVERAGE FORM PROPERTY COVERAGE PREMIUM: $144�` * Price is subject to fees and surcharges. For more details, refer to Page 10 Form: SC 00 01 10 18 7 Declarations: Z Business Liability Coverage Part Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum amount we'll pay. SL 00 00 10 18 BUSINESS LIABILITY COVERAGE FORM Damage To Premises Rented To You Limit — General Aggregate Limit Liability and Medical Expenses Limit Medical Expenses Limit ' 4 Personal and Advertising Injury Limit Products -Completed Operations Aggregate Limit Property Damage Liability Deductible ADDITIONAL BUSINESS LIABILITY COVERAGES SL 30 32 06 21 BLANKET ADDITIONAL INSURED BY CONTRACT SL 30 26 10 18 HIRED AUTO AND NON -OWNED AUTO LIABILITY 'Included in Business Liability Limit(s) Form Number SL 21 02 10 18 SL 20 DB 10 18 Form Name EXCLUSION -LAWYERS PROFESSIONAL LIABILITY EXCLUSION - NUCLEAR ENERGY LIABILITY EXCLUSION - SILICA- BUSINESS LIABILITY COVERAGE FORM *Price is subject to fees and surcharges. For more details, refer to Page 10 $1,DOD,00D $2,000,000 $1,000,000 i $10,000 I $1,000,000 $2,000,000 No Deductible Included' — .. Included' Form, SC 00 01 10 18 8 eFjo Declarations: Common Forms Your policy includes the Common Forms listed below. These forms apply to all Coverage Parts an your policy. SC 01 04 10 18 CALIFORNIA CHANGES - COMMON POLICY CONDITIONS SC 00 00 10 18 COMMON POLICY CONDITIONS 5C 00 01 10 18 -- DECLARATIONS: BUSINESS OWNER'S POLICY SC 70 00 12 20 DISCLOSURE - CAP ON LOSSES - TERRORISM RISK INSURANCE ACT G-4190-0 FRAUD NOTICE IH12050221 GOODS AND SERVICES ENDORSEMENT SC 50 63 06 20 IMPORTANT NOTICE TO POLICYHOLDER'S G-3027 .... ... ._..... . IMPORTANT NOTICE TO POLICYHOLDERS - DISCOUNTS APPLIED TO YOUR POLICY PREMIUM —_ —..... SC 90 04 10 18 IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS 100722 INSURANCE POLICY BILLING INFORMATION SC 50 31 1018 PRODUCER COMPENSATION NOTICE SC 00 12 10 18 SPECTRUM BUSINESS OWNER'S POLICY JACKET SC 0168 10 18 SUPPLEMENTAL DECLARATIONS - WA AND CA Sc 90 16 10 18 TRADE OR ECONOMIC SANCTIONS ENDORSEMENT ! SC 90 15 10 18 US DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL (OFAC) ADVISORY NOTICE TO POLICYHOLDERS Form: SC 00 01 10 18 9 � Declarations: Other Charges States laws and regulations may require you to pay taxes, fees, surcharges or other costs. We've listed those charges below Form: SC 00 01 10 18 10 ACOR" CERTIFICATE OF LIABILITY INSURANCE F DATE(MMIDD/YYYY) 1 12/10/2025 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: Andrew Yang Cedarwood Financial & Insurance Services Inc AI°Nl o EXt: 530-753-0700 FA Na; 530-231-0157 1777 Oak Ave Ste B ADDRESS: yanga1@cwfinins.com Davis, CA 95616 INSURER(S)AFFORDING COVERAGE NAIC# INSURER A: Hartford Underwriters Insurance Company 30104 INSURED FUJII LAW GROUP LLP INSURER B: Hartford Casualty Insurance Company 29424 JOHN FUJII INSURERC: The Hanover Insurance Company 22292 2 PARK PLAZA SUITE 450 INSURERD: Spinnaker Insurance Company 24376 IRVINE, CA 92614 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: 00002297-0 REVISION NUMBER: 15 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 POLICY NUMBER MMIDD MMIDD A X COMMERCIAL GENERAL LIABILITY Y Y 51 SBA BM1 MCY 12/15/2025 12/15/2026 EACH OCCURRENCE $ 1,000,000 DAMAGE TO RE CLAIMS-MADE1:1 OCCUR PREM SES(E.oNcurDence) $ 1,000,000 MED EXP(Any one person) $ 10,000 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY❑ PRO- ❑ JECT LOC PRODUCTS-COMP/OP AGG $ 2,000,000 OTHER: $ C MINED A AUTOMOBILE LIABILITY 51 SBA BM1 MCY 12/15/2025 12/15/2026 Ea a.cidan,SINGLE LIMIT $ 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 L $ A X UMBRELLA LIAB OCCUR 51 SBA BM1 MCY 12/15/2025 12/15/2026 EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ 1,000,000 DED X RETENTION$ 10,000 $ B WORKERS COMPENSATION Y 51 WEC BA9A51 12/15/2025 12/15/2026 X STATUTE EERPER H AND EMPLOYERS'LIABILITY ANY PROPRIETOR/PARTNER/EXECUTIVE YIN E.L.EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? y N I 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 C Lawyers Prof. Liab. LHN M212472 00 12/15/2025 12/15/2026 Per Claim/Aggr 1,0 0,000/3,000,000 D Cyber Liability FLY-CB-63CWZ2LUV-00 12/15/2025 12/15/2026 Per claim 1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) Those usual to the Insured's Operations.The City of Santa Ana, its City Council, its officers,officials,employees,agents, and volunteers are Additional Insured per the Business Liability Coverage Form SL3032 attached to this policy.Waiver of subrogation endorsement as to General Liability per Form SL3003 attached.Waiver of subrogation endorsement as to Workers Compensation per Form WC 040306 attached. Digitally a uy by Tu Tran Tu signed g Nguyen 093956z0800'S APPROVED CERTIFICATE HOLDER CANCELLATION By Tu Tran Nguyen at 9:39 am,Dec 15,2025 City Clerk SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED IN City of Santa Ana ACCORDANCE WITH THE POLICY PROVISIONS. 20 Civic Center Plaza (M-30) P.O. Box 1988 AUTHORIZED REPRESENTATIVE SANTA ANA, CA 92702-1988 — (YA1) ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016/03) The ACORD name and logo are registered marks of ACORD Printed by YA1 on 12/10/2025 at 11:35AM THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD HIRED AUTO AND NON-OWNED AUTO LIABILITY This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. Amended Coverage: The following is added to Section A. COVERAGES: Coverage is extended to "bodily injury" and "property damage" arising out of the use of a "hired auto" or"non-owned auto". B. The following changes are made to Section B. EXCLUSIONS: 1. Exclusion g.Aircraft, Auto Or Watercraft does not apply to a "hired auto" or a "non-owned auto". 2. Exclusion e. Employer's Liability does not apply to "bodily injury" to domestic "employees" not entitled to workers' compensation benefits or to liability assumed by the insured under an "insured contract". 3. Exclusion f. Pollution is deleted and replaced by the following: (1) "Bodily injury" or "property damage" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of"pollutants": (a) That are, or that are contained in any property that is: (i) Being transported or towed by, handled, or handled for movement into, onto or from, the covered "auto"; (ii) Otherwise in the course of transit by or on behalf of the "insured"; or (iii) Being stored, disposed of, treated or processed in or upon the covered "auto". (b) Before the "pollutants" or any property in which the "pollutants" are contained are moved from the place where they are accepted by the insured for movement into or onto the covered "auto"; or (c) After the "pollutants" or any property in which the "pollutants" are contained are moved from the covered "auto" to the place where they are finally delivered, disposed of or abandoned by the insured. Paragraph (a) above does not apply to fuels, lubricants, fluids, exhaust gases or other similar "pollutants" that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered "auto" or its parts, if: (i) The "pollutants" escape, seep, migrate, or are discharged or released directly from an "auto" part designed by its manufacturer to hold, store, receive, or dispose of such "pollutants'; and (ii) The "bodily injury" and "property damage" does not arise out of the operation of any equipment listed in Paragraphs 15.f.(2) and 15.f.(3) of the definition of"mobile equipment". Paragraphs (b) and (c) above do not apply to accidents that occur away from premises owned by or rented to an "insured"with respect to "pollutants" not in or upon a covered "auto" if: (i) The "pollutants" or any property in which the "pollutants" are contained are upset, overturned or damaged as a result of the maintenance or use of a covered "auto"; and (ii) The discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused directly by such upset, overturn or damage as a result of the maintenance or use of a covered "auto". 4. The following exclusion is added: Fellow employee Coverage does not apply to "bodily injury" to any fellow "employee" of the insured arising out of the operation of an "auto" owned by the insured in the course of the fellow"employee's" employment. Form SL 30 26 10 18 Page 1 of 3 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 5. The following exclusion is added: Care, Custody Or Control Coverage does not apply to "property damage" involving property owned or transported by the insured or in the insured's care, custody or control. C. With respect to "hired auto" and "non-owned auto" coverage, Section C. WHO IS AN INSURED is deleted and replaced by the following: 1. The following are insureds: a. You. b. Your"employee"while using with your permission: (1) An "auto"you hire or borrow; or (2) An "auto"you don't own, hire or borrow in your business or personal affairs; or (3) An "auto" hired or rented by your"employee" on your behalf and at your direction. c. Anyone else while using a "hired auto" or"non-owned auto"with your permission except: (1) The owner or anyone else from whom you hire or borrow an "auto". (2) Someone using an auto while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours. (3) Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company), or a lessee or borrower or any of their "employees", while moving property to or from an "auto". (4) A partner (if you are a partnership), or a member (if you are a limited liability company) for an "auto" owned by him or her or a member of his or her household. d. Anyone liable for the conduct of an insured described above but only to the extent of that liability. D. With respect to the operation of a "hired auto" or "non-owned auto" covered by this endorsement, the following changes are made to Section E. LIABILITY AND MEDICAL EXPENSES CONDITIONS: 1. The following condition is added: Other Insurance a. Except for any liability assumed under an "insured contract" the insurance provided by this endorsement 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". b. When this endorsement and any other endorsement, coverage part, 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 endorsement bears to the total of the limits of all the endorsements, coverage parts, and policies covering on the same basis. 2. The following condition is added: Two Or More Coverage Parts, Endorsements, Or Policies Issued By Us If this endorsement and any other endorsement, coverage part or policy issued to you by us or any company affiliated with us apply to the same accident, the aggregate maximum Limit of Insurance under all the endorsements, coverage parts, or policies shall not exceed the highest applicable Limit of Insurance under any one endorsement, coverage part, or policy. This condition does not apply to any endorsement, coverage part, or policy issued by us or an affiliated company specifically to apply as excess insurance over this endorsement. Form SL 30 26 10 18 Page 2 of 3 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following condition is added: Financial Responsibility Laws a. With respect to a "hired auto" or"non-owned auto" to which this insurance applies, when this endorsement is certified as proof of financial responsibility for the future under the provisions of any motor vehicle financial responsibility law, the insurance provided by this endorsement for "bodily injury" liability and "property damage" liability will comply with the provisions of the law to the extent of the coverage and limits of insurance required by that law. b. With respect to a "hired auto" or"non-owned auto"to which this insurance applies, we will provide any liability, uninsured motorists, underinsured motorists, no-fault or other coverage required by any motor vehicle law. We will provide the required limits for those coverages. E. The following changes are made to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: 1. The following definition is added: "Hired auto" means any"auto" you lease, hire, rent or borrow. This does not include any auto you lease, hire, rent or borrow from any of your "employees", your partners (if you are a partnership), members (if you are a limited liability company)„ or your"executive officers" or members of their households. This does not include a long-term leased "auto" that you insure as an owned "auto" under any other auto liability insurance policy or a temporary substitute for an "auto" you own that is out of service because of its breakdown, repair, servicing or destruction. 2. The following definition is added: "Non-owned auto" means any "auto" you do not own, lease, hire, rent or borrow which is used in connection with your business. This includes: a. "Autos" owned by your "employees" your partners (if you are a partnership), members (if you are a limited liability company), or your "executive officers", or members of their households, but only while used in your business or your personal affairs. b. Customer's "auto"that is in your care, custody or control for service. Form SL 30 26 10 18 Page 3 of 3 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE-A HARTF©RD WAIVER OF SUBROGATION This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS: We waive any right of recovery we may have against: a. Any person or organization shown in the Declarations, or b. Any person or organization with whom you have a contract that requires such waiver. Form SL 30 03 10 18 Page 1 of 1 ©2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE-A HARTF©RD BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C.WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision that such person or organization be added as an additional insured on your Coverage Part, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit. A person or organization is an additional insured under this provision only for that period of time required by the contract, agreement or permit. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by any other endorsement issued by us and made a part of this Coverage Part. The insurance afforded to such additional insured will not be broader than that which you are required by the contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. The limits of insurance that apply to additional insureds are described in Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS. a. Vendors Any person(s) or organization(s) (referred to below as vendor), 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 and only if this Coverage Part provides coverage for"bodily injury" or"property damage" included within the "products-completed operations hazard". (1) The insurance afforded to the vendor is subject to the following additional exclusions: This insurance 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 Form SL 30 32 06 21 Page 1 of 3 ©2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTF©RD (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: (i) The exceptions contained in Paragraphs (d) or(f); or (ii) 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. b. Lessors Of Equipment (1) Any person or organization from whom you lease equipment; but only with respect to their liability for"bodily injury', "property damage"or"personal and advertising injury' caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence"which takes place after you cease to lease that equipment. c. Lessors Of Land Or Premises (1) Any person or organization from whom you lease land or premises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) Any'occurrence"which takes place after you cease to lease that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Architects, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for"bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In connection with your premises; (b) In the performance of your ongoing operations performed by you or on your behalf; or (c) In connection with "your work" and included within the "products-completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for"bodily injury"or"property damage" included within the "products-completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury', "property damage" or"personal and advertising injury' arising out of the rendering of or the failure to render any professional services, including: (i) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury', "property damage", or "personal and advertising injury"arises out of the rendering of or the failure to render any professional service. Form SL 30 32 06 21 Page 2 of 3 ©2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE-A HARTF©RD e. State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1) Any state or governmental agency or subdivision or political subdivision, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) "Bodily injury", "property damage" or"personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or (b) "Bodily injury" or"property damage" included within the "products-completed operations hazard". f. Any Other Party (1) Any other person or organization who is not in one of the categories or classes listed above in Paragraphs a. through e. above, but only with respect to liability for"bodily injury", "property damage" or"personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In the performance of your ongoing operations performed by you or on your behalf; (b) In connection with your premises owned by or rented to you; or (c) In connection with "your work" and included within the "products-completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for"bodily injury"or"property damage" included within the "products-completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or"personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury"arises out of the rendering of or the failure to render any professional service described in Paragraphs f.(2)(a) or f.(2)(b) above. Form SL 30 32 06 21 Page 3 of 3 ©2021, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its permission) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - CALIFORNIA Policy Number: 51 WEC BA9A51 Endorsement Number: Effective Date: 12/15/25 Effective hour is the same as stated on the Information Page of the policy. Named Insured and Address: Fujii Law Group LLP 2 Park Plaza Suite 450 Irvine CA 92614 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 % of the California workers' compensation premium otherwise due on such remuneration. SCHEDULE Person or Organization Job Description City of Santa Ana, its City Council, officers, officials, employees, agents, and volunteers, 20 CIVIC CENTER PLZ, SANTA ANA, CA, 92701 Countersigned by Authorized Representative Form WC 04 03 06 (1) Printed in U.S.A. Process Date: 11/17/25 Policy Expiration Date: 12/15/26 THEJ1Declarations: HARTFORD Business Owner's Policy Policy Number: 51 SBA BM1 MCY Name of Agency/Broker: CEDARWOOD INSURANCE Policy Period: 12/15/2025 to 12/15/2026, SERVICES 12:01 a.m., Standard time at your mailing 1777 OAK AVE SUITE B address shown here. Exception: 12 noon in DAVIS, CA 95616 New Hampshire. Insurer: Hartford Underwriters Insurance Company, a Code: 51130197 property and casualty company of The Hartford. Previous Policy Number: 51 SBA BM1 MCY One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: Organization Type: LLP Fujii Law Group LLP Audit Period: Non-Auditable DBA: Fujii Law Group LLP 2 PARK PLZ STE 450 Insurance Provided: In return for the IRVINE, CA 92614-2573 payment of the premium and subject to all of the terms of this policy, we agree Type of Business: Lawyers & Law Firms with you to provide insurance as stated in this policy. TOTAL PREMIUM: i `total Premium includes the premium for all Coverage Parts issued to you in this policy,as well as any companion policies delivered with this policy.Total Premium includes any applicable fees and surcharges.Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit. Countersigned by: 61�10�6 11/05/2025 Authorized Representative Date A Business Owner's Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone This Spectrum®Business Owner's Policy consists of the Declarations,Coverage Forms,Coverage Parts,Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy.The Hartford®is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form:SC 00 01 10 18 1 THEJ1Declarations: HARTFORD Business Owner's Policy else, or someone else's property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. Glossary of Terms* DEFINITIONTERM Audit Period Your Policy period,which may be auditable or non-auditable. If your Policy is auditable,we will examine your business records to determine actual exposures for final premium calculation. Base Coverage Form Each Coverage Part has a form that explains,generally,what is and is not covered.This is the first building block of the Coverage Part.All other forms directly or indirectly modify the Base Coverage Form and are attached to it. Coverage Part A section of the Policy for a particular coverage.Unless otherwise stated in a specific Coverage Part,a Coverage Part consists of a Declarations page,a Base Coverage Form,all forms that modify the Base Coverage Form,and other forms applicable to the Coverage Part or the entire Policy. Declarations The part of the insurance contract that specifies the named insured,address,policy period, covered locations,limits of insurance and other key information such as forms applicable to the Coverage Part. Policy A contract between you and us to provide you with certain insurance coverages.Your Spectrum Business Owner's Policy consists of all Coverage Parts and forms common to some or all Coverage Parts. STRETCH® A unique feature of The Hartford's policy is an optional enhancement to the policy which increases the limit of insurance for several coverages and adds new coverages to the policy. STRETCH®Blanket Limit Provides a single limit of insurance that applies to more than one Coverage.Coverages subject to the STRETCH®Blanket Limit may also have additional limits of insurance which would apply in addition to the STRETCH°Blanket Limit. 'The terms and definitions contained in the Glossary of Terms are provided to help you better understand your Business Owners Policy and how it is constructed. These terms and definitions are not definitions that apply to any Coverage Part or Policy you have purchased and should not be construed as such. Please refer to the applicable provisions in your coverage parts or policies for complete details of the defined terms, including but not limited to the applicable Definitions section of such Coverage Part or Policy. Form:SC 00 01 10 18 2 • Declarations: Locations and U Location - Based Coverages Here's how your Business Owner's insurance coverage and limits apply to your business locations (LOC). If you have more than one location or building (BLDG), we break out your coverage and limits separately for each LOC. LOC 1,BLDG 1 Class: Lawyers&Law Firms Valuation Location:2 PARK PLZ STE 450 IRVINE,CA 92614-2573 Business Personal Property(BPP): Construction Type: Fire Resistive Replacement Cost Year Built: 1989 Property Deductible:$1,000 • • •N-BASED COVERAGES AND FEATU LIMIT OF INSURANCE Covered Property(Form Number SP 00 00 10 18) Ir Business Personal Property, includes: • Tenant's Improvements and Betterments $10,700 • Personal Property of Others Business Personal Property(BPP)-Business Personal Property Limit-Additional 25%-Included Seasonal Increase% Building $0 Form:SC 00 01 10 18 3 CM Declarations: gul Property Coverage Part The coverages listed below apply to the location(s)for which you purchased property coverage. The limits in the right-hand column show the maximum amount we'll pay. Read the entire Coverage Part to determine your rights, duties and what is and is not covered under the coverages listed below. STRETCH° Blanket Limit: $50,000 FORM NUMBER FORM NAME LIMIT OF INSURANCE SP 30 23 10 18 ACCOUNTS RECEIVABLE Included in STRETCH°Blanket Limit SP 30 18 10 18 ARSON AND THEFT REWARD $10,000 SP 30 57 10 18 BACK-UP OF SEWERS AND DRAINS COVERAGE Included' SP 30 31 10 18 BRANDS AND LABELS Included2 SP 30 59 10 18 BUILDING PROPERTY OF OTHERS $10,000 SP 30 13 10 18 BUSINESS INCOME AND EXTRA EXPENSE Extended Business Income 60 days Limit Type Actual Loss Sustained Period of Restoration 12 months Waiting Period None SP 30 19 10 18 BUSINESS INCOME FOR CIVIL AUTHORITY ORDERS Duration of Coverage 30 days Waiting Period None SP 30 40 10 18 BUSINESS INCOME FOR OFF-PREMISES UTILITY SERVICES Limit $25,000 Waiting Period 12 hours SP 30 14 10 18 BUSINESS INCOME FROM DEPENDENT PROPERTIES Limit $25,000 Period of Restoration 12 months Waiting Period None SP 30 45 10 18 BUSINESS INCOME FROM OFF-PREMISES OPERATIONS Extended Business Income 60 days Limit $25,000 Waiting Period None SP 30 47 10 18 BUSINESS INCOME FROM WEBSITES Limit $10,000 Max Period of Restoration 7 days Waiting Period 12 hours SP 30 32 10 18 CLAIM EXPENSE $10,000 SP 30 00 10 18 COLLAPSE Included2 SP 30 60 10 18 COMPUTERS WORLDWIDE Included in STRETCH°Blanket Limit Form:SC 00 01 10 18 4 CM Declarations: gul Property Coverage Part CONTINUED .- LIMIT OF SP 30 37 10 18 CONTRACT PENALTIES $1,000 SP 31 53 09 24 CYBER VIRUS AND MALWARE COVERAGE Business Income&Extra Expense Waiting 12 hours Period Business Income Period of Restoration 12 months Digital Ransom and Extortion Threats-Sublimit $10,000 Policy Year Limit $25,000 SP 30 01 10 18 DEBRIS REMOVAL Included in STRETCH®Blanket Limit Limit 25%of amount paid for covered loss SP 30 29 09 24 ELECTRONIC DATA Policy Year Limit $50,000 SP 30 42 10 18 EMPLOYEE DISHONESTY COVERAGE-EXCLUDES $10,000 ERISA COMPLIANCE SP 30 02 10 18 EQUIPMENT BREAKDOWN Includedz Deductible Property Deductible Defense Included Expediting Expenses $50,000 Hazardous Substances $50,000 Supplementary Payments Included SP 30 38 10 18 EXPEDITING EXPENSES $10,000 SP 30 55 10 18 FINE ARTS COVERAGE $10,000 SP 30 03 10 18 FIRE DEPARTMENT SERVICE CHARGE Included in STRETCH°Blanket Limit SP 30 04 10 18 FIRE EXTINGUISHER RECHARGE Includedz SP 30 16 12 19 FORGERY COVERAGE(INCLUDING CREDIT CARDS, $25,000 CURRENCY AND MONEY ORDERS) SP 30 46 10 18 FRAUDULENT TRANSFER COVERAGE $10,000 SP 31 51 12 23 FUNGI,WET ROT OR DRY ROT-LIMITED COVERAGE Limit $50,000 Period of Restoration 30 days SP 30 05 10 18 GARAGES,STORAGE BUILDINGS,AND OTHER $50,000 APPURTENANT STRUCTURES SP 30 06 10 18 GLASS EXPENSE Includedz SP 30 22 06 22 IDENTITY RECOVERY FOR BUSNESSOWNERS AND EMPLOYEES Deductible $250 Limit $15,000 Form:SC 00 01 10 18 5 CM Declarations: gul Property Coverage Part CONTINUED •- •- OF Lost Wages and Child and Elder Care Expense $250 per day,$5,000 per policy year Mental Health Sublimit $1,500 SP 30 30 09 24 INTERRUPTION OF COMPUTER OPERATIONS Period of Restoration 12 months Policy Year Limit $25,000 Waiting Period 12 hours SP 30 07 10 18 LEASE ASSESSMENT $2,500 SP 30 54 10 18 LEASEHOLD IMPROVEMENTS $25,000 SP 30 08 10 18 LOCK AND KEY REPLACEMENT $1,000 SP 30 36 03 20 LOST KEYS $1,000 SP 30 28 10 18 MONEY AND SECURITIES COVERAGE Inside the Premises Limit $10,000 Outside the Premises Limit $5,000 SP 30 24 12 21 NEWLY ACQUIRED OR CONSTRUCTED PROPERTY Newly Acquired or Constructed BI/EE Limit $250,000 Newly Acquired or Constructed BPP Limit $500,000 SP 30 39 10 18 NON-OWNED DETACHED TRAILERS Included in STRETCH®Blanket Limit SP 30 50 10 18 OFF-PREMISES UTILITY SERVICES-DIRECT DAMAGE $10,000 SP 30 11 12 19 ORDINANCE OR LAW COVERAGE Increased Cost of Construction&Demolition $25,000 Costs Limit Undamaged Part Limit $25,000 SP 30 25 12 21 OUTDOOR PROPERTY $25,000 SP 31 35 10 18 OUTDOOR SIGNS ON PREMISES $10,000 SP 30 33 10 18 PAIRS OR SETS Included' SP 30 53 10 18 PAVED SURFACES $15,000 SP 30 09 10 18 PERSONAL EFFECTS Included in STRETCH®Blanket Limit SP 30 20 10 18 POLLUTANTS AND CONTAMINANTS CLEAN UP AND $15,000 REMOVAL SP 30 10 10 18 PRESERVATION OF PROPERTY 45 days SP 30 26 10 18 PROPERTY OFF-PREMISES $25,000 SP 30 34 10 18 SALESPERSONS SAMPLES $1,000 SP 30 51 10 18 SPOILAGE Included in STRETCH®Blanket Limit Business Income Limit $10,000 Waiting Period 12 hours Form:SC 00 01 10 18 6 CM Declarations: gul Property Coverage Part CONTINUED .- LIMIT OF SP 30 49 10 18 SUMP OVERFLOW OR SUMP PUMP FAILURE $15,000 SP 30 44 10 18 THEFT DAMAGE TO BUILDING Included' SP 30 61 10 18 TRANSIT BUSINESS INCOME Limit $10,000 Period of Restoration 12 months Waiting Period None SP 30 48 10 18 TRANSIT COVERAGE $10,000 SP 30 52 10 18 UNAUTHORIZED BUSINESS CARD USE $2,500 SP 30 12 10 18 VALUABLE PAPERS AND RECORDS Included in STRETCH°Blanket Limit SP 30 35 10 18 VALUATION CHANGES:COMMODITY, FINISHED AND Included within Covered Property Limit MERCANTILE STOCK (Building and/or BPP) SP 30 27 10 18 WATER DAMAGE,OTHER LIQUID, POWDER OR Included' MOLTEN MATERIAL DAMAGE 'Included within Covered Property Limit(s)(Building and/or Business Personal Property) ALL OTHER PROPERTY •- Form Numbe SP 01 04 10 18 CALIFORNIA CHANGES-SPECIAL PROPERTY COVERAGE FORM SP 90 16 06 24 IMPORTANT NOTICE TO POLICYHOLDERS WITH A CALIFORNIA LOCATION-WILDFIRE MITIGATION PREMIUM CREDIT SP 20 08 10 18 PERILS SPECIFICALLY EXCEPTED SP 00 00 10 18 SPECIAL PROPERTY COVERAGE FORM PROPERTY • * Price is subject to fees and surcharges. For more details, refer to Page 10 Form:SC 00 01 10 18 7 Declarations: Z Business LiabilityCoverage Part Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum amount we'll pay. •- •- OF SL 00 00 10 18 BUSINESS LIABILITY COVERAGE FORM Damage To Premises Rented To You Limit $1,000,000 General Aggregate Limit $2,000,000 Liability and Medical Expenses Limit $1,000,000 Medical Expenses Limit $10,000 Personal and Advertising Injury Limit $1,000,000 Products-Completed Operations Aggregate Limit $2,000,000 Property Damage Liability Deductible No Deductible ADDITIONAL BUSINESS LIABILITY COVERAGES SL 30 40 10 18 ADDITIONAL INSURED-STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION-PERMITS OR AUTHORIZATIONS SL 30 32 06 21 BLANKET ADDITIONAL INSURED BY CONTRACT Included' SL 30 26 10 18 HIRED AUTO AND NON-OWNED AUTO LIABILITY Included' 'Included in Business Liability Limit(s) AD AD • Additional Insured Name Form Number Form Name Location and Address SL 30 40 10 18 ADDITIONAL INSURED-STATE The City of West Hollywood Its N/A OR GOVERNMENTAL AGENCY OR elected or appointed officers, SUBDIVISION OR POLITICAL officials, employees,agents and SUBDIVISION-PERMITS OR volunteers AUTHORIZATIONS 8300 SANTA MONICA BLVD,WEST HOLLYWOOD,CA 90069 ALL OTHER BUSINESS LIABILITY FORMS Form Number Form Name SL 21 02 10 18 EXCLUSION-LAWYERS PROFESSIONAL LIABILITY SL 21 17 09 24 EXCLUSION-ENDOCRINE DISRUPTERS SL 20 06 10 18 EXCLUSION-NUCLEAR ENERGY LIABILITY SL 21 15 09 22 EXCLUSION-PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES(PFAS) SL 20 78 10 18 EXCLUSION-SILICA-BUSINESS LIABILITY COVERAGE FORM SL 21 18 09 24 EXCLUSION-VIOLATION OF LAW ADDRESSING DATA PRIVACY COVERAGEBUSINESS LIABILITY * Price is subject to fees and surcharges. For more details, refer to Page 10 Form:SC 00 01 10 18 8 Declarations: Other Liability Coverages Your policy also includes the following additional liability Coverage Parts or polices. Please see the applicable Declaration form for details. DECLARATION COVERAGE FORM NUMBER SU 00 05 10 18 Umbrella $193 Declarations: Common Forms Your policy includes the Common Forms listed below. These forms apply to all Coverage Parts on your policy. FORM NUMBER FORM NAME SC 01 04 10 18 CALIFORNIA CHANGES-COMMON POLICY CONDITIONS SC 00 00 10 18 COMMON POLICY CONDITIONS SC 00 01 10 18 DECLARATIONS:BUSINESS OWNER'S POLICY SC 70 00 12 20 DISCLOSURE-CAP ON LOSSES-TERRORISM RISK INSURANCE ACT G-4190-0 FRAUD NOTICE IH12050221 GOODS AND SERVICES ENDORSEMENT SC 50 64 06 20 IMPORTANT NOTICE TO POLICYHOLDER'S SC 50 46 10 18 IMPORTANT NOTICE TO POLICYHOLDERS G-3027 IMPORTANT NOTICE TO POLICYHOLDERS-DISCOUNTS APPLIED TO YOUR POLICY PREMIUM SC 50 10 10 18 IMPORTANT NOTICE TO POLICYHOLDERS-REDUCTION IN COVERAGE SC 90 04 10 18 IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS 100722 INSURANCE POLICY BILLING INFORMATION SC 50 31 10 18 PRODUCER COMPENSATION NOTICE SC 00 12 10 18 SPECTRUM BUSINESS OWNER'S POLICY JACKET SC 01 68 10 18 SUPPLEMENTAL DECLARATIONS-WA AND CA SC 90 16 10 18 TRADE OR ECONOMIC SANCTIONS ENDORSEMENT SC 90 15 10 18 US DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL(OFAC)ADVISORY NOTICE TO POLICYHOLDERS Form:SC 00 01 10 18 9 Declarations: —� Other Charges States laws and regulations may require you to pay taxes, fees, surcharges or other costs. We've listed those charges below DESCRIPTION Other Premiums Policy Base Premium $234 Terrorism Premium $16 Form:SC 00 01 10 18 10 ,1010, Declarations: Umbrella Liability L Supplemental Policy y This Declarations Page, with the Umbrella Liability Supplemental Policy Form and Supplemental Policy endorsements, if any, shall together constitute this Umbrella Liability Supplemental Policy, also referred to as "Supplemental Policy". The Supplemental Policy in turn forms a part of the Policy Number shown below. None of the provisions of the Policy to which this Supplemental Policy is attached applies to the Umbrella Liability Insurance provided hereunder, unless otherwise specified in this Supplemental Policy. Policy Number: 51 SBA BM1 MCY Named Insured and Mailing Address: Fujii Law Group LLP Policy Period DBA: Fujii Law Group LLP Effective Date: 12/15/2025 2 PARK PLZ STE 450 Expiration Date: 12/15/2026 IRVINE, CA 92614-2573 12:01 A.M., Standard time at the address of the named insured as stated herein. Named Insured Is: Fujii Law Group LLP Insurer: Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155 CONTINUED Form:SU 00 05 10 18 Process Date: 11/05/2025 THE Policy Expiration Date: 12/15/2026 1 HARTFORD ,1010, Declarations: Umbrella Liability L Supplemental Policy y CONTINUED POLICY PERIOD EFFECTIVE DATE: 12/15/2025 EXPIRATION DATE: 12/15/2026 12:01 A.M., Standard time at the address of the named insured as stated herein. LIMITS OF INSURANCE The Limits of Insurance subject to all the terms of this Supplemental Policy that apply are: EACH OCCURRENCE LIMIT: $1,000,000 GENERAL AGGREGATE LIMIT: $1,000,000 (Other than Products- Completed Operations, Bodily Injury By Disease and Automobile) PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT: $1,000,000 BODILY INJURY BY DISEASE AGGREGATE LIMIT: $1,000,000 SELF INSURED RETENTION: $10,000 Each Occurrence Schedule of Underlying Insurance See Attached Extension Schedule of Underlying Insurance Form Numbers of Forms and Endorsements that apply: FORM NUMBER FORM NAME SU 00 03 10 18 EXTENSION SCHEDULE OF UNDERLYING INSURANCE SU 20 00 10 18 ABSOLUTE LEAD EXCLUSION SU 21 09 03 23 FOLLOWING FORM ENDORSEMENT- PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) SU 20 09 10 18 EXCLUSION -CARE, CUSTODY OR CONTROL OF PERSONAL PROPERTY SU 30 08 10 18 FOLLOWING FORM ENDORSEMENT-AUTOMOBILE LIABILITY SU 01 04 10 18 AMENDMENT OF UMBRELLA CONDITIONS-CALIFORNIA SU 20 60 10 18 EXCLUSION - LAWYERS PROFESSIONAL LIABILITY SU 00 02 10 18 BLANKET ADDITIONAL INSURED BY CONTRACT- UMBRELLA SU 00 05 10 18 UMBRELLA LIABILITY SUPPLEMENTAL POLICY DECLARATIONS PAGE SU 20 01 10 18 EXCLUSION -SILICA SU 21 11 09 24 EXCLUSION - ENDOCRINE DISRUPTERS SU 20 10 10 18 EXCLUSION -CARE, CUSTODY OR CONTROL OF REAL PROPERTY SU 00 00 12 19 UMBRELLA LIABILITY SUPPLEMENTAL POLICY Form:SU 00 05 10 18 Process Date: 11/05/2025 Expiration Date: 12/15/2026 2 THE Policy P HARTFORD I1010, Declarations: Umbrella Liability L Supplemental Policy y CONTINUED Countersigned by: ( rGg 11/05/2025 Authorized Representative Date Countersigned by: CJY 11/05/2025 Kevin Barnett, Secretary Date Countersigned by: 14 OTL 11/05/2025 A. Morris Tooker, President Date Form:SU 00 05 10 18 Process Date: 11/05/2025 THE Policy Expiration Date: 12/15/2026 3 HARTFORD