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All-Bry Construction Co. - Independence- Larimer Park Renovations Bid 24-06
Memorandum To: Honorable Mayor and Members of the City Council CC: Members of Administration and Public Works Committee From: Stefanie Levine, Senior Project Manager. CC: Edgar Cano - Public Works Agency Director; Lara Biggs - City Engineer Subject: Approval of Contract with All-Bry Construction Company for the Independence and Larimer Park Renovations Project (Bid 24-06) Date: April 29, 2024 Recommended Action: Staff recommends the City Council authorize the City Manager to execute an agreement with All-Bry Construction Company (145 Tower Drive, Suite 7, Burr Ridge, Illinois 60527) for the Independence of amount the in 24-06) Project Renovations Park Larimer and (Bid $3,384,000.00. Staff recommends proceeding with Funding Option 1, as detailed in the attached memo. Funding Source: Funding is provided from the Capital Improvement Fund, 2024 GO Bonds in the amount of $2,860,815, and ARPA Funds set aside for Evanston Thrives implementation in the amount of $523,185. A detailed financial analysis is included in the memo below. CARP: Urban Canopy & Green Space Council Action: For Action Summary: Independence Park is a 1.4-acre park located north of Central Street and south of Livingston Street between Stewart Avenue and Prairie Avenue. Larimer Park is a 1.6-acre park located north of Crain Street and south of Dempster Street between Ridge Avenue and Maple Avenue. Independence Park and Larimer Park were last renovated in 1994 and 1992, respectively. Both parks exhibit significant deterioration, a lack of compliance with ADA code, and a lack of conformance with current playground safety standards. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 On September 27, 2022, the City Council approved the award of a contract to MKSK to design improvements at these two parks. Since then, MKSK has worked with City staff and the public to develop the project’s design solutions. Planned improvements include new playgrounds, pathways, lighting, athletic facilities, site furnishings, landscaping, and related improvements. Work also includes improvements along Central Street between Stewart Avenue and Prairie Avenue to provide public enhancements for the business district consistent with the Evanston Thrives Retail District Action Plan. Analysis: This contract was advertised for bid on February 15, 2024. On March 19, 2024, the City received two bids as follows: Stefanie Levine, Senior Project Manager, reviewed the bids. The bid documents included three alternate items as follows: Alternate 1 eliminates a wood seating edge at a staging area along Central Street and replaces it with a standard concrete wall. Due to the limited cost savings provided by the low bidder, the staff does not recommend acceptance of this alternative. Alternate 2 replaces rubberized surfacing at the Independence Park playground with wood chip surfacing. Due to the ADA enhancement rubberized surfacing provides, staff does not recommend acceptance of this alternate. Alternate 3 eliminates a low fence around some of the planting areas at Larimer Park. All-Bry Construction did not include Alternate 3 in their base bid price, so in their case, Alternate 3 adds the low fence to the project. Due to the high cost of this item, the staff does not recommend acceptance of this alternative. The project’s consultant, MKSK, has worked successfully with All-Bry on prior projects and has also contacted all of All-Bry Construction Company’s references. All references indicated that All-Bry is highly responsive and performs quality work. Staff, therefore, recommends the award of the base bid to All-Bry Construction Company for a total cost of $3,384,000.00. Completion of this project is anticipated in late October 2024. Please note this project is not subject to the City’s LEP program due to the ARPA funding source. A memo summarizing the contractor’s MWEDBE compliance is attached. Page 2 of 5 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Detailed Financial Summary: The following is a detailed breakdown of two funding options. The first utilizes currently designated funding sources with an adjustment to address a small shortfall. The second utilizes a substantial amount of additional ARPA funds to fully cover the costs associated with the Central Street Plaza area. At the Administration and Public Works Committee on April 8, the committee members voted to move forward with Funding Option 1, which is now considered the recommended option. Funding Option 2 has been provided for reference. Page 3 of 5 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Legislative History: This item was approved 4-0 at the April 8, 2024, Administration & Public Works Committee meeting. Attachments: BID 24-06 Independence Larimer Park Reno MWDEBE Memo Page 4 of 5 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Independence and Larimer Park Renovations, Bid 24 -06, M/W/D/EBE Memo 04.08 .2024 To: Edgar Cano, Public Works Agency Director Lara Biggs, P.E. Bureau Chief – Capital Planning / City Engineer Stefanie Levine, Senior Project Manager From: Tammi Nunez, Purchasing Manager Subject: Independence and Larimer Park Renovations, Bid 24-06 Date: April 8, 2024 The goal of the Minority, Women and Evanston Business Enterprise Program (M/W/D/EBE) is to assist such businesses with opportunities to grow. In order to help ensure such growth, the City’s goal is to have general contractors utilize M/W/D/EBEs to perform no less than 25% of the awarded contract. With regard to the Independence and Larimer Park Renovations, Bid 24-06, All-Bry Construction Company , total base bid is $3,384,000.00 and they are found to be in compliance with the City’s 25% goal. Name of M/W/EBE Scope of Work Contract Amount % MBE WBE DBE EBE CPMH Construction 3129 S. Shields Ave. Chicago, IL 60616 Demo /Concret e $1,084,000 32% X Total M/W/D/EBE $1,084,000 32% CC: Hitesh Desai, Chief Financial Officer Memorandum Page 5 of 5 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 05 / 07 / 2024 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Effective:2020 January 1 Westfield Privacy Promise We are committed to protecting your privacy.This notice describes the personal information we collect about you and how we use it.This privacy promise applies to all our Westfield Insurance companies . SUMMARY •We gather information directly from you ,from your transactions with us and from outside sources. •We use your information only to provide insurance to you,to investigate and resolve claims or to improve the products and services we offer. •We will share your information with the independent agent or insurance broker that you chose. •We share your information with third-parties who help us deliver services to you. •We do not sell your personal information.We do not share your information with other com- panies for their marketing purposes. •We take measures to protect your information while it is in our custody.We require the third- parties who help us to protect your information,too. INFORMATION WE COLLECT We collect information about you in order to quote and service your insurance and to investigate and pay claims.This includes: •Information from your application and other forms (such as your name,address,date of birth, email address,driver's license number and type of vehicle or property). •Information about your transactions with us,our affiliates or others (such as your insurance coverages,limits and rates,payment and claims history and information needed for billing and payment). •Information from third parties (such as your driving record,claims history with other insurers and credit information). •Information about your online interactions with us (such as your IP address,the kind of device you used,the time of your visit to our site and pages visited).We use this information to deliver online services to you and/or to evaluate and improve our services. INFORMATION ABOUT MINORS We do not sell to or intentionally communicate with children under the age of 13.We may request spe- cific information about a child from parents in order to properly quote an insurance policy,verify identi- ties or deliver requested transactions.We do not retain information about minors other than what is necessary to deliver requested services. "Westfield"includes Ohio Farmers Insurance Company,Westfield Insurance Company,Westfield National Insurance Company, American Select Insurance Company,Old Guard Insurance Company,Westfield Champion Insurance Company,Westfield Premier Insurance Company,Westfield Superior Insurance Company,Westfield Touchstone Insurance Company and Westfield Services, Inc. For a personal lines policy,this could include information from the head of household or other family member buying insurance that covers you.For a commercial lines policy,this could include information from your company's representative. 1 2 1 2 AD 83 86 (01/20) Page 1 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 INFORMATION WE DISCLOSE We do not sell or rent your personal information.We disclose your information to third-parties only as permitted by law: •To process transactions that you request or to service your policy. •To investigate and pay claims. •To prevent fraud. •To perform marketing services on our behalf.(We do NOT allow third-parties to use the infor- mation they receive from us to market on their own or anyone else's behalf.) •To comply with legal requirements. Recipients include employees within our family of insurance companies,claims representatives,insur- ance agents or brokers,service providers,auditors,consumer reporting agencies,government agencies, law enforcement and the courts. HOW WE PROTECT YOUR INFORMATION We restrict access to nonpublic personal information about you to those employees and outside service providers who need to know that information in order to provide our products or services to you.Their use of information is restricted by law,by our employee code of conduct and by written agreements where appropriate.We maintain physical,electronic and procedural safeguards that comply with appli- cable federal and state regulations to guard your information. If you believe you have found a security issue with one of our products or services,please report it to InfosecAlerts@Westfieldgrp.com as quickly as possible.Please describe the issue in as much detail as possible,including the date and time you discovered the issue and how to reproduce the issue. Screenshots and videos can be especially helpful.Please also include your name and contact informa- tion in case we need additional detail. INTERNET PRIVACY If you choose to communicate with us through the Internet or other electronic means,please read our Privacy Promise online at www.westfieldinsurance.com/privacy for details about how and why we use cookies,social media and other technologies. FORMER CUSTOMERS If you end your relationship with us,we will continue to adhere to the policies and practices described in this privacy promise for as long as we have your information. CALIFORNIA RESIDENTS California residents have the right to request an accounting of information which we hold about you,the right to request that we not sell your information and the right to request that we amend or delete your information.We may not (and will not)retaliate against you for exercising any of these rights.These rights are limited by,among other things,our obligations to comply with insurance regulations,statutes and other legal requirements.Call our Privacy Office at 1.800.243.0249 or go to www.westfieldinsurance.com/privacy and click the Do Not Sell My Personal Information link to submit a request relevant to those rights. PRIVACY CONTACT INFORMATION If you have any questions,concerns or comments about our privacy promise,you may contact us by email at Privacy@Westfieldgrp.com or by mail to Privacy Officer,Westfield Insurance,One Park Circle, PO Box 5001,Westfield Center,OH 44251. AD 83 86 (01/20) Page 2 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 IMPORTANT NOTICE PLEASE READ THERE IS A NEW LAW REGARDING THE AVAILABILITY OF UNDERINSURED MOTORISTS COVERAGE. WHAT IS UNDERINSURED MOTORISTS COVERAGE? This coverage protects you and others insured under your policy against the negligent driver whose insurance coverage is not great enough to pay the costs of all your injuries and the injuries of other insureds under your policy.It allows you to recover the difference between the cost of the actual damages for bodily injury,subject to your Underinsured Motorists coverage limits and the amount of liability insurance carried by the at-fault driver. It is as important to protect yourself and your family against the uninsured or underinsured motorists as it is to carry Liability Insurance. If you choose to buy Underinsured Motorists Coverage,we recommend carrying the same limit you carry for Bodily Injury Liability. WHAT IS UNINSURED MOTORISTS COVERAGE? This coverage pays for injury to you and persons insured under your policy when an injury is caused by another driver who has no insurance. To obtain coverage for Underinsured Motorists Coverage,please contact your Independent Insurance Agent. AD 8155 10-95 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 THIS PAGE INTENTIONALLY LEFT BLANK Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 IMPORTANT NOTICE TO OUR POLICYHOLDERS Westfield Insurance Fraud Hot-Line PLEASE READ THIS IMPORTANT INFORMATION •Fraudulent insurance claims cost us all money. •Call us if you have information concerning a fraudulent insurance claim. •All information will be kept confidential. •Call and discuss your information with a trained investigator,or leave the informa- tion anonymously on a telephone answering machine. •We can all help fight insurance fraud. AD 8522 (08-10) Be a Fraud Buster 1-800-654-6482 Detach and retain information below for future use. Fraud Hot-Line Fraud Hot-Line 1-800-654-6482 1-800-654-6482 Westfield Center,Ohio 44251 Westfield Center,Ohio 44251 www.westfieldinsurance.com www.westfieldinsurance.com -----------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------------Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 THIS NOTICE DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY.IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE,THE PROVISIONS OF YOUR POLICY SHALL PREVAIL. POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE and PREMIUM Coverage for acts of terrorism is included in your policy.You are hereby notified that under the Terrorism Risk Insurance Act,as amended in 2015,the definition of act of terrorism has changed.As defined in Section 102(1)of the Act:The term "act of terrorism"means any act or acts that are certified by the Secretary of the Treasury -in consultation with the Secretary of Homeland Security,and the Attorney General of the United States -to be an act of terrorism;to be a violent act or an act that is dangerous to human life,property,or infrastructure;to have resulted in damage within the United States,or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Gov- ernment by coercion.Under your coverage,any losses resulting from certified acts of terrorism may be partially reimbursed by the United States Government under a formula established by the Terrorism Risk Insurance Act,as amended.However,your policy may contain other exclusions which might affect your coverage,such as an exclusion for nuclear events.Under the formula,the United States Government generally reimburses 85%through 2015;84%beginning on January 1,2016;83%beginning on January 1,2017;82%beginning on January 1,2018;81%beginning on January 1,2019 and 80%beginning on January 1,2020,of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage.The Terrorism Risk Insurance Act,as amended,contains a $100 billion cap that limits U.S.Government reimbursement as well as insurers'liability for losses re- sulting from certified acts of terrorism when the amount of such losses exceeds $100 billion in any one calendar year.If the aggregate insured losses for all insurers exceed $100 billion,your coverage may be reduced. PREMIUM CHARGED During your current policy period,the portion,if any,of your premium that is attributable to coverage for acts of terrorism as defined in the Act is $_______(refer to Common Policy Declarations if blank). If you do not desire the coverage for acts of terrorism as defined in the Act,as amended,you may reject the coverage and instruct the insurance company to remove it and refund the premium described above. To reject the coverage,you must: 1)advise the insurance company by letter (on your company letterhead), 2)signed by the owner,representative,or properly designated official of the named insured. The insurance company must receive your letter within 60 days from the date shown at the bottom right side of the forms titled "Common Policy Declarations".Please refer to "Common Policy Declarations"for the mailing address of the insurance company. If your policy premium is $500,that may represent a minimum premium.In that case,the portion that is attributable to acts of terrorism as defined in the Act,as amended,may be included within that minimum and your total premium will not be reduced if you reject coverage for acts of terrorism.The minimum premium will still apply. Should you have any question regarding this notice,please contact your insurance agent. AD 85 84 01 15 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 NOTICE TO OUR POLICYHOLDERS PLEASE READ Please take a moment to review your revised Commercial Vehicle Certificate.This card will replace the Vehicle Certificate currently in use. Your card(s)are located at the back of your policy packet and should be kept with the described vehicle at all times.If you lose or misplace the card contact your agency or us for a replacement. AD 8149 08-10 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 One Park Circle PO Box 5001 Westfield Center OH 44251-5001 1.800.243.0210 fax 330.887.0840 www.westfieldinsurance.com..... IMPORTANT NOTICE TO OUR POLICYHOLDERS Westfield Insurance Complaint Department Address and Illinois Department of Insur- ance Address PLEASE READ THIS IMPORTANT INFORMATION ABOUT YOUR POLICY In compliance with Illinois Administrative Code 931.30-931.40,we are listing below the address of our Company and the address of the Public Service Division of the Department of Insurance: 1.Westfield Insurance Compliance Department P.O.Box 5001 Westfield Center,Ohio 44251-5001 Complaints@Westfieldgrp.com 1-800-243-0210 2.Illinois Department of Insurance Consumer Services 320 West Washington Street Springfield,Illinois 62767 You may direct questions about this policy to either address.Please provide your policy number,and your agent's name and address,with any inquiry. Thank you WESTFIELD INSURANCE AD 555 (9-17) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 IMPORTANT --PREMIUM AUDIT NOTICE Westfield Insurance welcomes the opportunity to service your insurance needs.The following informa- tion outlines the company's requirements for auditing your accounting records. Your particular type of business has a policy premium that is based on estimated exposures at the time this policy was issued.Since the exposures that are used to rate your policy fluctuate during the policy year,your final premium cannot be determined until after the expiration date of the policy term. An accurate premium audit is a benefit to you and your business.We recommend the person(s)in charge of keeping your financial records (e.g.,Payroll;Gross Sales;Total Cost)be aware of insurance auditor needs.Records that are accurate and properly maintained allow you to gain the most benefit from your premium audit.Please ask questions and allow your auditor to assist you. WHO WILL MAKE THE AUDIT? You will be asked to complete a premium audit in one of three ways: Mail/Voluntary -a form will be provided to you.The form will ask a series of questions relative to your type of risk and your type of policy.You will be asked to fill out the form in its entirety and return to Westfield for summary. Telephone -a telephone auditor will call you on the phone to discuss your risk and gather your fi- nancials.This could be a staff auditor or vendor auditor depending on your policy. Physical -a field auditor will contact you to visit your premises.They will ask about your operations and physically review your financial records.This could be a staff auditor or vendor auditor de- pending on your policy. WHAT RECORDS WILL BE NEEDED? The Premium Auditor will examine and audit all of your records that relate to your policy.The records needed will vary depending upon the type of coverage you have.In most cases,the auditor will be able to obtain the necessary audit data from two or more of the following records: Payroll Journals with monthly/quarterly totals Individual Earning Cards with monthly/quarterly totals Quarterly Tax Reports for Federal/State Certificates of Insurance for sub-contractors General Ledgers/Income/Sales Journals In the course of the audit,the auditor will ask some questions about your records and your business operations.This will assist the Auditor in properly classifying your operations and employees. HOW SHOULD YOUR RECORDS BE KEPT: Payroll:Many of the premiums for your General Liability insurance are based on payroll which is defined as remuneration.Remuneration means money or substitutes for money.Payroll includes: Wages Bonuses Holiday Pay Sick Pay Commissions Overtime Pay Vacation Pay Payment for piece work Overtime:The amount paid in excess of straight time pay can be deducted if the excess can be verified by your records.Your records must show overtime separately by employee. Division of Payroll:Division of an individual employee's payroll to more than one classification is not allowed.Exception:For construction or erection operations,the payroll of an employee may be allocated to each type of work performed if proper records are kept.Payroll cannot be divided between con- struction and office or sales classifications. Gross Sales:Another premium base for General Liability insurance is gross sales.This means the gross amount charged by you to others for all goods or products,sold or distributed and operations performed by you for others. This information is provided to you as assistance for proper record-keeping requirements.Other insur- ance companies may differ in their requirements. AD 80 12 (8-10) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 IMPORTANT NOTICE TO CONTRACTORS The records that you keep can effect the premium you pay for General Liability Insurance.There are steps you can take to control the cost of your insurance.This notice will address the audit requirements only. Your General Liability premium is based on your direct payroll and any subcontractor costs you may have.Subcontractor costs is an area of concern because it is one area that can be very expensive to you,the contractor. The Total Cost for work done by an "adequately insured"subcontractor will be assigned to the appro- priate "Contractors-subcontracted work"classification.Operations performed by subcontractors without adequate insurance shall be classified and rated under the specific classification description for each operation."Adequately insured subcontractor"(for purposes of premium computation only)means the subcontractor: Carries limits of insurance which are equal or greater than your policy's limits of insurance or at least $1,000,000 each occurrence. Carries comparable coverages to your (i.e.,personal injury,products/completed operations, etc.). Furnishes satisfactory evidence of insurance. How do you know if subcontractors have the proper coverage,limits and policy period?You require a certificate of liability insurance be provided to you at the commencement of work.The certificate must indicate that the subcontractor carries adequate insurance and the policy term should cover the period that the subcontractor performs work for you.If the certificate shows the subcontractor's insurance ex- pires on a certain date,but they will be working beyond that date,a new certificate should be required. Where do you get these certificates of insurance?The subcontractor must ask their insurance agent to send you a certificate of insurance. What do you do with these certificates of insurance?You must maintain these in a file for each subcon- tractor and provide them to the insurance auditor at the time of the audit,usually after your policy ex- pires. What happens if you do not get the certificates,or they do not have the proper limits,or do not cover the proper period?An uninsured or inadequately insured subcontractor will substantially increase the cost of your insurance. To control your insurance costs,you can begin by requesting the proper certificates of insurance from your subcontractors and setting up a file for the certificates.Please keep expired certificates of insurance until after the auditor has completed the audit.Keep unexpired certificates until the next annual audit. AD 80 13 (03-22) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL GENERAL LIABILITY COMMERCIAL GENERAL LIABILITY ADVISORY NOTICE TO POLICYHOLDERS This notice describes changes to your insurance policy.No coverage is provided by this notifi- cation nor can it be construed to replace any provisions of your policy or endorsements.You should read your policy and review your declaration page for complete information on the cov- erages you are provided. If your expiring policy provided coverage for either the Contractors General Liability Expanded (CG 70 37)or Contractors General Liability Expanded Plus (CG 70 94)coverage your renewal policy is being issued with the replacement coverage offered through the new Signature Series Commercial General Liability Contractors Endorsement (CG 71 37).Please note with this change the following coverages are no longer included:Who Is An Insured -Vendors;Additional Insured -Controlling Interest;Care,Custody or Control;Voluntary Property Damage and Damage To Your Work. If you desire to purchase these coverages separately,or would like more information about our new Signature Series Contractors program,please contact your Independent Insurance Agent. AD 90 88 11 12 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 NOTICE:BROADENED AND REDUCED COVERAGE GENERAL LIABILITY AND UMBRELLA MULTISTATE ENDORSEMENT REVISION This Notice does not form part of your policy.No coverage is provided by this Notice nor can it be con- strued to replace any provision of your policy.You should read your policy and review your Declarations page for complete information on the coverages you are provided.If there is any conflict between the Policy and this Notice,THE PROVISIONS OF THE POLICY SHALL PREVAIL. The areas within the policy that broaden or reduce coverage or constitute other changes are highlighted below.This notice does not reference every editorial change made in your policy. The material in this Notice refers to form and endorsement numbers;however,not all forms and endorsements are included in a particular policy. BROADENING IN COVERAGE CU 04 03 Employee Benefits Liability Coverage This endorsement is revised to state,in part,that "our obligation to pay damages on behalf of the insured applies only to the amount of 'ultimate net loss'in excess of the 'retained limit'shown in the Schedule of this endorsement".The definition of "retained limit",as it applies in this endorsement,will mean the available limits of "underlying insurance"shown in the Schedule of this endorsement as Retained Limit. The definition of "employee benefit program"is revised to include any similar benefit program specified in any underlying insurance.When this endorsement is attached to your policy,there is no impact as a result of the addition of the retained limit definition,as it generally reinforces the language presently in the endorsement.However,with respect to the revision of the employee benefit program definition,if any underlying insurance benefit plan was not already designated in the Schedule of this endorsement or added thereto by endorsement,it may result in a broadening of coverage. REDUCTION IN COVERAGE CG 20 11 Additional Insured -Managers Or Lessors Of Premises CG 20 24 Additional Insured -Owners Or Other Interests From Whom Land Has Been Leased These endorsements have been revised to delete "arising out of"and add specific language that provides an additional insured with coverage for their vicarious or contributory negligence only.When these endorsements are attached to your policy,there may be a reduction in coverage for those states in which: •Named insureds are permitted to contractually hold harmless an additional insured for that addi- tional insured's sole negligence;and •Courts have enabled coverage for the sole negligence of the additional insured. AD 92 97 11 20 Page 1 of 3 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 BROADENING OR REDUCTION IN COVERAGE CG 20 17 Additional Insured -Unit-owners Of Townhouse Or Homeowner Associations This endorsement is revised to include unit-owners of homeowner associations.In addition,a provision is added to address restriction of coverage to the unit-owner for liability arising out of maintenance,use or repair of a portion of the premises (common area)that is reserved for the unit-owner's exclusive use or occupancy,e.g.,assigned parking area,garden plot,storage closets or lockers. With respect to unit-owners of homeowner associations,this represents a broadening of coverage.With respect to unit-owners of townhouse associations,the provision restricting additional insured status for a unit owner's liability arising out of the ownership,maintenance,use or repair of that portion of the premises which is reserved for the unit-owner's exclusive use or occupancy may be a reduction in cov- erage. CG 21 31 Limited Exclusion -Designated Operations Covered By A Controlled (Wrap-up)Insurance Pro- gram This endorsement is revised to add a definition of "controlled (wrap-up)insurance program"and revise Paragraph A.to emphasize the application of the exclusion to bodily injury and property damage arising out of ongoing operations as well as included within the products-completed operations hazard at the location(s)described in the Schedule.The attachment of this endorsement may result in a reduction of coverage,unless: •If this endorsement replaces the previous version CG 21 31 on a policy,it may result in a broadening of coverage. •If this endorsement replaces CG 21 54 Exclusion -Designated Operations Covered By A Controlled (Wrap-up)Insurance Program on a policy,it will result in a broadening of coverage. CG 21 54 Exclusion -Designated Operations Covered By A Controlled (Wrap-up)Insurance Program This endorsement is revised to add a definition of "controlled (wrap-up)insurance program"and revise Paragraph A.to emphasize the application of the exclusion to bodily injury and property damage arising out of ongoing operations as well as included within the products-completed operations hazard at the location(s)described in the Schedule.The attachment of this endorsement may result in a reduction of coverage,unless if this endorsement replaces the previous version of CG 21 54 on a policy,it may result in a broadening of coverage. CG 22 36 Exclusion -Limited Products And Professional Services -Pharmacists This endorsement has been revised to limit the products/completed operations hazard exclusion to apply only to bodily injury or property damage arising out of the insured's products dispensed or sold in con- nection with the pharmacist's services,e.g.,prescription drugs.If the attachment of this endorsement replaces the prior version of CG 22 36,it may result in a broadening of coverage.The attachment of this endorsement to a policy not containing the prior version of CG 22 36 results in a reduction of coverage. CG 22 69 Pharmacists This endorsement is revised to: •Generally,address state or federal laws affecting the professional services provided by pharmacists; •Amend the exclusion for willful violation of a penal statute or ordinance to apply to the willful vio- lation of applicable state or federal laws governing pharmacists,not just sales of pharmaceuticals; •Amend the exclusion for certain specific services performed by a pharmacist to apply to all tests, not just blood tests; •Remove managing drug therapy from the exclusion for certain specific services performed by a pharmacist;and •Other editorial changes. With respect to removal of managing drug therapy from the exclusion of certain specified services,this change may be considered a broadening in coverage.With respect to the amendment to the willful vio- lation exclusion and the amendment to the exclusion for certain specified services related to tests,these changes may result in a reduction of coverage.Other changes have no impact on coverage. AD 92 97 11 20 Page 2 of 3 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 REINFORCEMENT IN COVERAGE CG 21 01 Exclusion -Athletic Or Sports Participants CG 21 41 Exclusion -Intercompany Products Suits This endorsement is revised to include the term "suit"within the endorsement,for consistency with lan- guage used in the new cross suits liability exclusion endorsements and is a clarification of coverage in- tent. CG 22 65 Optical And Hearing Aid Establishments This endorsement is revised to replace "including"with "the following"in the Insuring Agreement pro- vision and other editorial revisions.This is a reinforcement of coverage intent and has no impact on coverage. CG 22 71 Colleges Or Schools (Limited Form) CG 22 72 Colleges Or Schools These endorsements are revised: •So that negligent supervision-related language will apply to the participation or practicing of any sports or athletic contests;and •To replace "while"with "arising out of"in relation to the phrase "practicing for or participating in" to reinforce that injuries can be revealed at a time later than the related practice or participation. These revisions are a reinforcement of original coverage intent and have no impact on coverage. CU 21 01 Exclusion -Athletic Or Sports Participants This endorsement is revised: •So that negligent supervision-related language will apply to the participation or practicing of any sports or athletic contests;and •To replace "while"with "arising out of"in relation to the phrase "practicing for or participating in" to reinforce that injuries can be revealed at a time later than the related practice or participation. These revisions are a reinforcement of original coverage intent and have no impact on coverage. CU 22 18 Optical And Hearing Aid Establishments This endorsement is revised to replace "including"with "the following"in the Insuring Agreement pro- vision and other editorial revisions.This is a reinforcement of coverage intent and has no impact on coverage. CU 22 21 Colleges Or Schools This endorsement is revised: •So that negligent supervision-related language will apply to the participation or practicing of any sports or athletic contests;and •To replace "while"with "arising out of"in relation to the phrase "practicing for or participating in" to reinforce that injuries can be revealed at a time later than the related practice or participation. These revisions are a reinforcement of original coverage intent and have no impact on coverage. CU 24 36 Products-Completed Operations Aggregate Limit Of Insurance These endorsements are revised to include a non-concurrency provision regarding underlying insurance written on a claims-made basis.These changes reinforce coverage intent consistent with the limits of insurance provisions of the Commercial Liability Umbrella Coverage Form. AD 92 97 11 20 Page 3 of 3 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 NOTICE TO POLICYHOLDERS REGARDING EXCLUSION OF CERTIFIED ACTS OF TERRORISM Refer to the terrorism endorsement for the definition of "certified acts of terrorism."Refer to the endorsement,and to the rest of the insurance contract,for provisions that govern coverage for,or that exclude coverage for,losses arising from terrorism. INFORMATION ON COVERAGE FOR FIRE FOLLOWING AN ACT OF TERRORISM IN CERTAIN STATES The terrorism exclusion does not restrict fire coverage under commercial property coverage insurance due to a statutory requirement in the states of:GA,IL,IA,MO,NC,VA,WV and WI.For the state of AZ, this rule applies for one to four family dwellings.Such coverage is subject to all policy exclusions (for example,nuclear hazard and war exclusions)and other policy provisions,including premium charged. Government and insurer participation in payment of losses for fire following a "certified act of terrorism" is subject to the same limitations on liability as outlined above.Therefore,losses attributable to fire fol- lowing an act of terrorism,if otherwise covered,remain covered under your insurance in the aforemen- tioned line(s)of insurance. Includes copyrighted material of Insurance Services Office Inc., with its permission AD 89 53 04 09 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 KEEP THIS NOTICE WITH YOUR INSURANCE PAPERS PROBLEMS WITH YOUR INSURANCE?-If you are having problems with your insurance com- pany or agent,do not hesitate to contact the insurance company or agent to resolve your problem. Westfield Insurance Compliance Department P.O.Box 5001 Westfield Center,OH 44251-5001 1-800-368-3530 330-887-0101 You can also contact the OFFICE OF THE COMMISSIONER OF INSURANCE,a state agency which enforces Wisconsin's insurance laws,and file a complaint.You can contact the OFFICE OF THE COMMISSIONER OF INSURANCE by contacting: Office of the Commissioner of Insurance Complaints Department P.O.Box 7873 Madison,WI 53707-7873 1-800-236-8517 608-266-0103 AD 80 75 (08-10) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 COMMERCIAL PACKAGE POLICY RENEWAL COMMON POLICY DECLARATIONS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMM'L GENERAL CONTRACTOR Corporation Business: Named Insured is: ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ In return for the payment of the premium, and subject to all terms of this policy, we agree with you to provide the insurance as stated in this policy. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS COMMERCIAL PROPERTY COVERAGE PART $ 2,861.00 COMMERCIAL GENERAL LIABILITY COVERAGE PART $ 78,745.00 CYBER SUITE COVERAGE PART $ 680.00 COMMERCIAL AUTO COVERAGE PART $ 16,477.00 COMMERCIAL INLAND MARINE COVERAGE PART $ 5,932.00 CRIME AND FIDELITY COVERAGE PART Included COMMERCIAL UMBRELLA COVERAGE PART $ 35,371.00 TERRORISM INSURANCE COVERAGE EXCLUDED $ 6.00 Policy Annual Premium $ 140,072.00 Total Advance Annual Policy Premium $ 140,072.00 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ The above is a summary of your coverages. For more detail, please refer to the individual coverage parts inside your policy. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms and Endorsements applicable to all coverage parts: IL0019 0488 , IL0017 1198 , ID7004 0411 , IL0003 0908 , IL0162 0908 , IL0147 0911 , IL0283 1118 . ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COUNTERSIGNED: _______________________ BY ____________________________________ Date Authorized Representative PAGE 01 OF 01 IL 00 19 (04-88) 02/07/24 ORIGINAL PAGE 01 OF 01 IL 00 19 (04-88) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL PROPERTY DECLARATIONS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ DESCRIPTION OF PREMISES Loc Bldg Address, City & State Construction Occupancy 001 001 145 TOWER DR STE 7 Masonry Non- GENERAL CONTRACTOR BURR RIDGE, IL 60527 Combustible COUNTY: COOK ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COVERAGES PROVIDED - Insurance at the described premises applies only for coverages for which a limit of insurance is shown. OPTIONAL COVERAGES applicable only when entries are made in the schedules below: Infl. Repl. Limit of Premium Loc Bldg Coverage Coins Guard Cost Insurance 001 001 Business Personal Property 80% N/A Yes $300,000 $1,569 Cause of Loss: Special 001 001 Tenants Improve & Betterment 80% N/A Yes $250,000 $930 Cause of Loss: Special OPTIONAL COVERAGES Loc Bldg Applicable to Option Description Premium 001 001 Sig Series Contractor Endt $308 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ $ 54.00 Equipment Breakdown Coverage Premium ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ $ 2,861.00 Total Advance Annual Property Premium ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ $1000 Deductible is ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms and Endorsements applicable to this coverage part: CP0090 0788 , IL0953 0115*, IL0118 0217 , IL0284 0118 , CP0140 0706 , CP0149 0607 , CP7114 1018 , CP7115 0520 , CPDS00 1014 , CP7195 1218 , CP7196 1218*, CP1075 1220 , CP1556 0607 , CP1030 0917 , CP0010 1012 , CP1218 1012*, IL7041 1214 , CP0411 0917 , CP0401 1000 , CP0415 1012 , CP0405 0917 , CP1230 0695 , CP0407 1091 , CP0440 1220 , CP0417 1012 , CP1038 1012 . PAGE 01 OF 01 CP DS 00 (10-14) 02/07/24 ORIGINAL PAGE 01 OF 01 CP DS 00 (10-14) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL PROPERTY CONTRACTORS ENDORSEMENT SCHEDULE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ SIGNATURE SERIES COMMERCIAL PROPERTY CONTRACTORS ENDORSEMENT SCHEDULE This schedule modifies insurance provided under the SIGNATURE SERIES COMMERCIAL PROPERTY CONTRACTORS ENDORSEMENT LOCATION SCHEDULE Note: Crime Coverages included via CR 00 21 or (CR 00 25) apply on a policy-level basis, including those locations/buildings not scheduled below. Loc. Bldg. No. No. Address, City & State 001 001 145 TOWER DR STE 7, BURR RIDGE, IL 60527 The limits listed in Section I below are the most we will pay for each coverage in any one occurrence unless a different limit is listed in Section II below. (Refer to policy language for specific coverages, conditions and exclusions.) Section I *For Coverage Denoted with an Asterisk Refer to Specific Coverage Form for Terms and Conditions. Coverage Limit of Insurance *Accounts Receivable Coverage Applicable at Your Premises $50,000 Coverage Applicable Away from your Premises No coverage Appurtenant Buildings and Structures $25,000 *Brands and Labels Included Bridges, Roadways, Walks, Patios and Other Paved Surfaces Included Changes in Temperature $50,000 Coinsurance Does Not Apply When Loss is Less than $10,000 Computer Coverage Hardware, Data and Media $100,000 Laptops/Portable Computers and Software (Away from $10,000 Premises) Credit Card Invoices $1,000 *Debris Removal - Additional Insurance Building & Contents (Combined) $100,000 Deferred Payments $50,000 *Discharge from Sewer, Drain or Sump (Not Flood-related) Property Damage $50,000 Annual Aggregate Limit Applies ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Includes copyrighted material of ISO, Inc. with its permission. PAGE 01 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL PAGE 01 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL PROPERTY CONTRACTORS ENDORSEMENT SCHEDULE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Electronic Data $10,000 *Employee Theft $25,000 Deductible Amount per Occurrence Not Applicable Employee Tools $25,000 Excavation Costs Included Extra Expense $50,000 *Fine Arts Floater Max per Item $2,500 Catastrophe Limit $10,000 Deductible Not Applicable Breakage Breakage Exclusion Applies Fire Department Service Charge $25,000 (Virginia Includes Volunteer Fire Departments) (Increased Limits Are Not Available For Arizona) Fire Extinguisher Recharge Expense Included *Forgery or Alteration $25,000 Deductible Amount per Occurrence Not Applicable Foundations of Buildings Included *Inside the Premises-Theft of Money & Securities $25,000 Deductible Amount per Occurrence Not Applicable *Outside the Premises $25,000 Deductible Amount per Occurrence Not Applicable Inventory and Appraisals $10,000 Leasehold Interest in Improvements and Betterments Included Leasehold Interest - Tenants Lease Interest $25,000 Lock Replacement $10,000 *Money Orders and Counterfeit Money $1,500 Deductible Amount per Occurrence Not Applicable Newly Acquired or Constructed Property Building $1,000,000/180 Days Business Personal Property $500,000/180 Days Fine Arts $10,000/180 Days *Ordinance or Law Loss to Undamaged Portion of Building (if Applicable) Incl. up to Bldg. Limit Demolition Cost/Increased Cost of Construction Combined Limit $50,000 Equipment Included Post-Loss Ordinance Or Law Option Not Applicable Outdoor Property Any One Tree, Shrub or Plant $1,000 Any One Occurrence $10,000 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Includes copyrighted material of ISO, Inc. with its permission. PAGE 02 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL PAGE 02 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL PROPERTY CONTRACTORS ENDORSEMENT SCHEDULE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Outdoor Signs $12,500 Patterns, Dies, Molds, and Forms $10,000 *Peak Season - Automatic Increase Period (From/To): Annual Policy Period Lesser of: 25% or $50,000 Personal Effects and Property of Others Any One Person in Any One Loss $5,000 Any One Occurrence $50,000 *Pollutant Clean Up and Removal $50,000 Deductible Not Applicable Premises Boundary Increased Distance 1,000 Feet Preservation of Property 90 Days Property at Un-named Locations $25,000 Property in Transit $50,000 Property off Premises Any One Occurrence $50,000 Max per Salesperson $10,000 Reward Payment Information $10,000 Stolen Property $10,000 *Spoilage Includes Refrigeration Maintenance Agreement, Selling Price, Breakdown or Contamination and Power Outage $50,000 Deductible $500 Stamps, Tickets, Including Lottery Tickets Held for Sale, and Letters of Credit $500 Storage of Duplicate Data and Records $25,000 Theft Damage to Un-owned Building Property Included Tree Debris Removal $1,000 Underground Pipes, Flues, and Drains Included ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Includes copyrighted material of ISO, Inc. with its permission. PAGE 03 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL PAGE 03 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL PROPERTY CONTRACTORS ENDORSEMENT SCHEDULE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ *Utility Services-Direct Damage Building $50,000 Includes: Water Supply Property, Communication Supply Property (No Overhead Transmission Lines), Power Supply Property (No Overhead Transmission Lines) Business Personal Property $50,000 Includes: Water Supply Property, Communication Supply Property (No Overhead Transmission Lines), Power Supply Property (No Overhead Transmission Lines) Vacancy 11% Occupied *Valuable Papers and Records All Other Covered Property $50,000 Property Away from Your Premises $5,000 Deductible Not Applicable If you have purchased Business Income at a location described in the schedule above, then the following coverages are also added to only those location(s) for which Business Income has been purchased. Coverage Limit of Insurance *Business Income Changes - Beginning of the Period of Restoration Business Income (and Extra Expense), Business Income (without Extra Expense) Including Civil Authority Reduction in Waiting Period 24 Hours Business Income from Dependent Properties Including Extra Expense $250,000 *Discharge from Sewer, Drain, or Sump (Not Flood-related) Business Income Including Extra Expense $50,000 Annual Aggregate Limit Applies Newly Acquired or Constructed Property Business Income 180 Days ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ If a limit is listed in Section II, that limit will supersede the limit in Section I for the designated coverage(s), location(s) and building(s) listed below. If no limit is listed in Section II there are no changes to section I. Note: If "All" is designated as the Loc. No./Bldg. No. coverage applies to all locations, including those locations / buildings not scheduled below. Section II Loc. Bldg. No. No. Coverage Limit of Insurance ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Includes copyrighted material of ISO, Inc. with its permission. PAGE 04 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL PAGE 04 OF 04 CP 71 15 (05-20) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL PROPERTY COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE SCHEDULE Equipment Breakdown is subject to the Limits of Insurance shown in the Commercial Property Policy Declarations except as specifically shown below. These coverage apply to all locations covered on the policy,unless otherwise specified. Coverages Limits Equipment Breakdown Limit $ Business Income $ Extra Expense $ The Limits for the following Coverages are included in the Equipment Breakdown Coverage (Including Electronic Circuitry Impairment)endorsement for $50,000 each unless otherwise specified on the schedule below. Data Restoration $ Expediting Expenses $ Hazardous Substances $ Spoilage $ The Service Interruption Limit will follow the Business Income,Extra Expense,Data Restoration or Spoilage Limit with a 24 hour waiting period,except that if a Service Interruption limit is shown below,that limit will apply to Business Income and Extra Expense. Service Interruption $ POLICY NUMBER TRA 3515402 CP 71 96 12 18 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL PROPERTY COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE SCHEDULE SCHEDULE OF COVERED LOCATIONS WITH DEDUCTIBLES These coverages apply to all locations covered on the policy,unless otherwise specified. Loc.Bldg.Combined All Direct Indirect Spoilage No.No.Coverages Coverages Coverages Deductible Deductible Deductible Deductible 001 ALL $1,000 POLICY NUMBER:TRA 3515402 CP 71 96 12 18 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL PROPERTY COMMERCIAL PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE SCHEDULE Other Conditions POLICY NUMBER:TRA 3515402 CP 71 96 12 18 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:COMMERCIAL PROPERTY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. LOSS PAYABLE PROVISIONS This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM BUILDERS'RISK COVERAGE FORM CONDOMINIUM ASSOCIATION COVERAGE FORM CONDOMINIUM COMMERCIAL UNIT-OWNERS COVERAGE FORM STANDARD PROPERTY POLICY SCHEDULE Location Number:001 Building Number:001 Applicable Clause C.2. (Enter C.1.,C.2.,C.3. or C.4.): Description Of Property:BUSINESS PERSONAL PROPERTY Loss Payee Name:FIRST NATIONAL BANK OF BROOKFIELD Loss Payee Address:9136 WASHINGTON AVE BROOKFIELD IL 605130000 Information required to complete this Schedule,if not shown above,will be shown in the Declarations. TRA 3515402 A.When this endorsement is attached to the STANDARD PROPERTY POLICY CP 00 99 the term Coverage Part in this endorsement is replaced by the term Policy. B.Nothing in this endorsement increases the applicable Limit of Insurance.We will not pay any Loss Payee more than their finan- cial interest in the Covered Property,and we will not pay more than the applicable Limit of Insurance on the covered Property. C.The following is added to the Loss Payment Loss Condition,as indicated in the Declara- tions or in the Schedule. 1.Loss Payable Clause For Covered Property in which both you and a Loss Payee shown in the Sched- ule or in the Declarations have an insurable interest,we will: a.Adjust losses with you;and b.Pay any claim for loss or damage jointly to you and the Loss Payee, as interests may appear. 2.Lender's Loss Payable Clause a.The Loss Payee shown in the Schedule or in the Declarations is a creditor,including a mortgageholder or trustee,whose interest in Covered Property is es- tablished by such written instru- ments as: (1)Warehouse receipts; (2)A contract for deed; (3)Bills of lading; (4)Financing statements;or (5)Mortgages,deeds of trust,or security agreements. b.For Covered Property in which both you and a Loss Payee have an insurable interest: (1)We will pay for covered loss or damage to each Loss Payee in their order of precedence, as interests may appear. (2)The Loss Payee has the right to receive loss payment even if the Loss Payee has started foreclosure or similar action on the Covered Property. (3)If we deny your claim because of your acts or because you have failed to comply with the terms of the Coverage Part, the Loss Payee will still have the right to receive loss pay- ment if the Loss Payee: (a)Pays any premium due under this Coverage Part at our request if you have failed to do so; (b)Submits a signed,sworn proof of loss within 60 days after receiving notice from us of your failure to do so;and ¢Insurance Services Office,Inc.,2011 CP 12 18 10 12 Page 1 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 (c)Has notified us of any change in ownership,oc- cupancy or substantial change in risk known to the Loss Payee. All of the terms of this Cover- age Part will then apply di- rectly to the Loss Payee. (4)If we pay the Loss Payee for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Coverage Part: (a)The Loss Payee's rights will be transferred to us to the extent of the amount we pay;and (b)The Loss Payee's rights to recover the full amount of the Loss Payee's claim will not be impaired. At our option,we may pay to the Loss Payee the whole principal on the debt plus any accrued in- terest.In this event,you will pay your remaining debt to us. c.If we cancel this policy,we will give written notice to the Loss Payee at least: (1)10 days before the effective date of cancellation if we can- cel for your nonpayment of premium;or (2)30 days before the effective date of cancellation if we can- cel for any other reason. d.If we elect not to renew this policy, we will give written notice to the Loss Payee at least 10 days before the expiration date of this policy. 3.Contract Of Sale Clause a.The Loss Payee shown in the Schedule or in the Declarations is a person or organization you have entered into a contract with for the sale of Covered Property. b.For Covered Property in which both you and the Loss Payee have an insurable interest,we will: (1)Adjust losses with you;and (2)Pay any claim for loss or damage jointly to you and the Loss Payee,as interests may appear: c.The following is added to the Other Insurance Condition: For Covered Property that is the subject of a contract of sale,the word "you"includes the Loss Payee. 4.Building Owner Loss Payable Clause a.The Loss Payee shown in the Schedule or in the Declarations is the owner of the described building in which you are a tenant. b.We will adjust losses to the de- scribed building with the Loss Payee.Any loss payment made to the Loss Payee will satisfy your claims against us for the owner's property. c.We will adjust losses to tenant's improvements and betterments with you,unless the lease provides otherwise. CP 12 18 10 12 Page 2 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL GENERAL LIABILITY DECLARATIONS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ LIMITS OF INSURANCE - General Aggregate Limit (Other Than Products/Completed Operations) $2,000,000 Products/Completed Operations Aggregate Limit $2,000,000 Personal & Advertising Injury Limit (Per Person Or Organization) $1,000,000 Each Occurrence Limit $1,000,000 Damage to Premises Rented to You Limit (Any One Premises) $500,000 Medical Expense Limit (Any One Person) $5,000 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ ú ú ú ú ú $78,745.00 TOTAL ADVANCE ANNUAL GENERAL LIABILITY PREMIUM ú ú ú «¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Deductible Liability Insurance Applies ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms And Endorsements Applicable To This Coverage Part: CG0300A 0196 , CG2001 1219 , CG0435 1207*, CG0001 0413 , IL0021 0908 , CG7000 1298 , CG2503 0509 , CG2504A 0509 , CG2147 1207 , CG7068 0103 , CG7017 1298 , CG2106 0514 , IL7013 1206 , CG9909 1219*, CG4032 0523*, CG2173 0115*, CG2010 1001*, CG0200 0118 , CG2426 0413 , CG2186 1204 , CG2196 0305 , CG2279 0413 , CG2037 1001 , CG2026 1219 , CG7137 1217 , CG2010 1219 , CG2037 1219 . PAGE 01 OF 03 CG 70 00 (12-98) 02/07/24 ORIGINAL PAGE 01 OF 03 CG 70 00 (12-98) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL GENERAL LIABILITY DECLARATIONS (Continued) ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Location Of All Premises Owned By, Rented To Or Controlled By The Named Insured Are The Same As The Mailing Address Of The Policy Declarations Unless Otherwise Indicated. GENERAL LIABILITY SCHEDULE PREMIUM BASIS LEGEND - S = GROSS PER $1,000 A = AREA PER 1,000 SQ. FT. U = UNITS PER UNIT SALES C = TOTAL COST PER $1,000 T = SEE CLASSIFICATION P = PAYROLL PER $1,000 M = ADMISSIONS PER 1,000 NOTES O = OTHERS PER $1,000 RATE LEGEND - PREM/OP = PREMISES AND OPERATIONS MP = MINIMUM PREMIUM PROD = PRODUCTS AND COMPLETED OPERATIONS CMPCBN = COMPOSITE PREMISES/PRODUCTS COMPLETED OPERATIONS PREMIUM CLASSIFICATION CODE BASIS RATE PREMIUM ILLINOIS 145 TOWER DR STE 7 BURR RIDGE IL 60527 CONTRACTORS - EXECUTIVE 91580 P PREM/OP 19.459 $14,772 SUPERVISORS OR EXECUTIVE 759,155 SUPERINTENDENTS - INCLUDING PRODUCTS AND/OR COMPLETED OPERATIONS. PRODUCTS-COMPLETED OPERATIONS INCLUDED IN THIS CLASSIFICATION ARE SUBJECT TO THE GENERAL AGGREGATE LIMIT. CONTRACTORS - SUBCONTRACTED 91585 C PREM/OP 1.279 $32,350 WORK - IN CONNECTION WITH 25,293,083 PROD. 1.075 $27,190 CONSTRUCTION, RECONSTRUCTION, REPAIR OR ERECTION OF BUILDINGS PREM/OP MP $164 PROD MP $90 ADDITIONAL COVERAGES AND ENDORSEMENTS - EMPLOYEE BENEFITS LIABILITY COVERAGE $233 ADDL INSD DESIGNATED PERSON OR ORG(CG2026) $200 ADDL INSD OWNR,LESSEE OR CONTRACTOR(CG2010) $500 ADDL INSD OWNR,LESSEE OR CONTRACTOR(CG2037) $500 SIGNATURE SERIES COMML GL CONTRACTORS ENDT $3,000 TOTAL TOTAL PREMIUM - PREMISES AND OPERATIONS $47,122 TOTAL PREMIUM - PRODUCTS AND COMPLETED OPERATIONS $27,190 TOTAL PREMIUM - FUNGI OR BACTERIA COVERAGE INCLUDED TOTAL PREMIUM - ADDITIONAL COVERAGES AND ENDORSEMENTS $4,433 $78,745 TOTAL ADVANCE ANNUAL GENERAL LIABILITY PREMIUM PAGE 02 OF 03 CG 70 00 (12-98) 02/07/24 ORIGINAL PAGE 02 OF 03 CG 70 00 (12-98) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL GENERAL LIABILITY DECLARATIONS (Continued) ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ ADDITIONAL INSUREDS CHICAGO PARK DISTRICT AUTOMATIC STATUS-REQUIRED BY 541 N FAIRBANKS 3RD FL WRITTEN CONTRACT OR AGREEMENT CHICAGO IL 60611 CG 2010 ADDITIONAL INSURED - BURR RIDGE IL 60527 DESIGNATED PERSON OR ADDITIONAL INSURED - ORGANIZATION (CG2026) OWNER, LESSEE OR CONTRACTOR (CG2010) AUTOMATIC STATUS-REQUIRED BY WRITTEN CONTRACT OR AGREEMENT CG 2037 BURR RIDGE IL 60527 ADDITIONAL INSURED - OWNER, LESSEE OR CONTRACTOR COMPLETED OPERATIONS (CG2037) PAGE 03 OF 03 CG 70 00 (12-98) 02/07/24 ORIGINAL PAGE 03 OF 03 CG 70 00 (12-98) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE ENDORSEMENT CAREFULLY. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Each Employee Coverage Limit Of Insurance Deductible Premium Employee Benefits $1,000,000 each employee Programs $2,000,000 aggregate Retroactive Date:01/19/11 Information required to complete this Schedule,if not shown above,will be shown in the Declarations. POLICY NUMBER:TRA 3515402 $1,000 $INCL A.The following is added to Section I -Cover- ages: COVERAGE -EMPLOYEE BENEFITS LIABIL- ITY 1.Insuring Agreement a.We will pay those sums that the in- sured becomes legally obligated to pay as damages because of any act,error or omission,of the in- sured,or of any other person for whose acts the insured is legally li- able,to which this insurance ap- plies.We will have the right and duty to defend the insured against any "suit"seeking those damages. However,we will have no duty to defend the insured against any "suit"seeking damages to which this insurance does not apply.We may,at our discretion,investigate any report of an act,error or omis- sion and settle any "claim"or "suit" that may result.But: (1)The amount we will pay for damages is limited as de- scribed in Paragraph D.(Sec- tion III -Limits Of Insurance); and (2)Our right and duty to defend ends when we have used up the applicable limit of insur- ance in the payment of judg- ments or settlements. No other obligation or liability to pay sums or perform acts or ser- vices is covered unless explicitly provided for under Supplementary Payments. b.This insurance applies to damages only if: (1)The act,error or omission,is negligently committed in the "administration"of your "em- ployee benefit program"; (2)The act,error or omission,did not take place before the Ret- roactive Date,if any,shown in the Schedule nor after the end of the policy period;and (3)A "claim"for damages,be- cause of an act,error or omis- sion,is first made against any insured,in accordance with Paragraph c.below,during the policy period or an Extended Reporting Period we provide under Paragraph F.of this endorsement. c.A "claim"seeking damages will be deemed to have been made at the earlier of the following times: (1)When notice of such "claim"is received and recorded by any insured or by us,whichever comes first;or (2)When we make settlement in accordance with Paragraph a. above. ¢ISO Properties,Inc.,2006 CG 04 35 12 07 Page 1 of 6 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 A "claim"received and recorded by the insured within 60 days after the end of the policy period will be considered to have been received within the policy period,if no sub- sequent policy is available to cover the claim. d.All "claims"for damages made by an "employee"because of any act, error or omission,or a series of related acts,errors or omissions, including damages claimed by such "employee's"dependents and ben- eficiaries,will be deemed to have been made at the time the first of those "claims"is made against any insured. 2.Exclusions This insurance does not apply to: a.Dishonest,Fraudulent,Criminal Or Malicious Act Damages arising out of any inten- tional,dishonest,fraudulent,crimi- nal or malicious act,error or omission,committed by any in- sured,including the willful or reck- less violation of any statute. b.Bodily Injury,Property Damage,Or Personal And Advertising Injury "Bodily injury","property damage" or "personal and advertising in- jury". c.Failure to Perform A Contract Damages arising out of failure of performance of contract by any insurer. d.Insufficiency Of Funds Damages arising out of an insuffi- ciency of funds to meet any obli- gations under any plan included in the "employee benefit program". e.Inadequacy Of Performance Of Investment/Advice Given With Re- spect To Participation Any "claim"based upon: (1)Failure of any investment to perform: (2)Errors in providing information on past performance of invest- ment vehicles;or (3)Advice given to any person with respect to that person's decision to participate or not to participate in any plan included in the "employee benefit pro- gram". f.Workers'Compensation And Simi- lar Laws Any "claim"arising out of your fail- ure to comply with the mandatory provisions of any workers'com- pensation,unemployment compen- sation insurance,social security or disability benefits law or any simi- lar law. g.ERISA Damages for which any insured is liable because of liability imposed on a fiduciary by the Employee Re- tirement Income Security Act of 1974,as now or hereafter amended, or by any similar federal,state or local laws. h.Available Benefits Any "claim"for benefits to the ex- tent that such benefits are avail- able,with reasonable effort and cooperation of the insured,from the applicable funds accrued or other collectible insurance. i.Taxes,Fines Or Penalties Taxes,fines or penalties,including those imposed under the Internal Revenue Code or any similar state or local law. j.Employment-Related Practices Damages arising out of wrongful termination of employment,dis- crimination,or other employment- related practices. B.For the purposes of the coverage provided by this endorsement: 1.All references to Supplementary Pay- ments -Coverages A and B are re- placed by Supplementary Payments - Coverages A,B and Employee Benefits Liability. 2.Paragraphs 1.b.and 2.of the Supple- mentary Payments provision do not ap- ply. C.For the purposes of the coverage provided by this endorsement,Paragraphs 2.and 3. of Section II -Who Is An Insured are re- placed by the following: 2.Each of the following is also an insured: a.Each of your "employees"who is or was authorized to administer your "employee benefit program". b.Any persons,organizations or "employees"having proper tempo- rary authorization to administer your "employee benefit program"if you die,but only until your legal representative is appointed. CG 04 35 12 07 Page 2 of 6 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 c.Your legal representative if you die, but only with respect to duties as such.That representative will have all your rights and duties under this Endorsement. 3.Any organization you newly acquire or form,other than a partnership,joint venture or limited liability company,and over which you maintain ownership or majority interest,will qualify as a Named Insured if no other similar in- surance applies to that organization. However: a.Coverage under this provision is afforded only until the 90th day after you acquire or form the organiza- tion or the end of the policy period, whichever is earlier. b.Coverage under this provision does not apply to any act,error or omis- sion that was committed before you acquired or formed the organiza- tion. D.For the purposes of the coverage provided by this endorsement,Section III -Limits Of Insurance is replaced by the following: 1.Limits Of Insurance a.The Limits of Insurance shown in the Schedule and the rules below fix the most we will pay regardless of the number of: (1)Insureds; (2)"Claims"made or "suits" brought; (3)Persons or organizations mak- ing "claims"or bringing "suits"; (4)Acts,errors or omissions;or (5)Benefits included in your "em- ployee benefit program". b.The Aggregate Limit is the most we will pay for all damages because of acts,errors or omissions negligently committed in the "ad- ministration"of your "employee benefit program". c.Subject to the Aggregate Limit,the Each Employee Limit is the most we will pay for all damages sus- tained by any one "employee",in- cluding damages sustained by such "employee's"dependents and ben- eficiaries,as a result of: (1)An act,error or omission;or (2)A series of related acts,errors or omissions negligently committed in the "ad- ministration"of your "employee benefit program". However,the amount paid under this endorsement shall not exceed, and will be subject to,the limits and restrictions that apply to the pay- ment of benefits in any plan in- cluded in the "employee benefit program". The Limits of Insurance of this endorse- ment apply separately to each consec- utive annual period and to any remaining period of less than 12 months,starting with the beginning of the policy period shown in the Declara- tions of the policy to which this endorsement is attached,unless the policy period is extended after issuance for an additional period of less than 12 months.In that case,the additional pe- riod will be deemed part of the last preceding period for purposes of deter- mining the Limits Of Insurance. 2.Deductible a.Our obligation to pay damages on behalf of the insured applies only to the amount of damages in excess of the deductible amount stated in the Schedule as applicable to Each Employee.The limits of insurance shall not be reduced by the amount of this deductible. b.The deductible amount stated in the Schedule applies to all damages sustained by any one "employee", including such "employee's"de- pendents and beneficiaries,be- cause of all acts,errors or omissions to which this insurance applies. c.The terms of this insurance,includ- ing those with respect to: (1)Our right and duty to defend any "suits"seeking those damages;and (2)Your duties,and the duties of any other involved insured,in the event of an act,error or omission,or "claim" apply irrespective of the application of the deductible amount. CG 04 35 12 07 Page 3 of 6 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 d.We may pay any part or all of the deductible amount to effect settle- ment of any "claim"or "suit"and, upon notification of the action taken,you shall promptly reim- burse us for such part of the deductible amount as we have paid. E.For the purposes of the coverage provided by this endorsement,Conditions 2.and 4.of Section IV -Commercial General Liability Conditions are replaced by the following: 2.Duties In The Event Of An Act,Error Or Omission,Or "Claim"Or "Suit" a.You must see to it that we are noti- fied as soon as practicable of an act,error or omission which may result in a "claim".To the extent possible,notice should include: (1)What the act,error or omission was and when it occurred;and (2)The names and addresses of anyone who may suffer dam- ages as a result of the act,er- ror or omission. b.If a "claim"is made or "suit"is brought against any insured,you must: (1)Immediately record the specif- ics of the "claim"or "suit"and the date received;and (2)Notify us as soon as practica- ble. You must see to it that we receive written notice of the "claim"or "suit"as soon as practicable. c.You and any other involved insured must: (1)Immediately send us copies of any demands,notices, summonses or legal papers received in connection with the "claim"or "suit"; (2)Authorize us to obtain records and other information; (3)Cooperate with us in the in- vestigation or settlement of the "claim"or defense against the "suit";and (4)Assist us,upon our request,in the enforcement of any right against any person or organ- ization which may be liable to the insured because of an act, error or omission to which this insurance may also apply. d.No insured will,except at that in- sured's own cost,voluntarily make a payment,assume any obligation or incur any expense without our consent. 4.Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this endorsement,our obli- gations are limited as follows: a.Primary Insurance This insurance is primary except when Paragraph b.below applies. If this insurance is primary,our ob- ligations are not affected unless any of the other insurance is also primary.Then,we we will share with all that other insurance by the method described in Paragraph c. below. b.Excess Insurance (1)This insurance is excess over any of the other insurance, whether primary,excess,con- tingent or on any other basis that is effective prior to the be- ginning of the policy period shown in the Schedule of this insurance and that applies to an act,error or omission on other than a claims-made ba- sis,if: (a)No Retroactive Date is shown in the Schedule of this insurance;or (b)The other insurance has a policy period which con- tinues after the Retroac- tive Date shown in the Schedule of this insur- ance. (2)When this insurance is excess, we will have no duty to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit".If no other insurer defends,we will undertake to do so,but we will be entitled to the insured's rights against all those other insurers. CG 04 35 12 07 Page 4 of 6 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 (3)When this insurance is excess over other insurance,we will pay only our share of the amount of the loss,if any,that exceeds the sum of the total amount that all such other in- surance would pay for the loss in absence of this insurance; and the total of all deductible and self-insured amounts un- der all that other insurance. (4)We will share the remaining loss,if any,with any other in- surance that is not described in this Excess Insurance pro- vision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Schedule of this endorsement. c.Method Of Sharing If all of the other insurance permits contribution by equal shares,we will follow this method also.Under this approach each insurer contrib- utes equal amounts until it has paid its applicable limit of insurance or none of the loss remains,which- ever comes first. If any of the other insurance does not permit contribution by equal shares,we will contribute by limits. Under this method,each insurer's share is based on the ratio of its applicable limits of insurance to the total applicable limits of insurance of all insurers. F.For the purposes of the coverage provided by this endorsement,the following Extended Reporting Period provisions are added,or, if this endorsement is attached to a claims- made Coverage Part,replaces any similar Section in that Coverage Part: EXTENDED REPORTING PERIOD 1.You will have the right to purchase an Extended Reporting Period,as de- scribed below,if: a.This endorsement is canceled or not renewed;or b.We renew or replace this endorse- ment with insurance that: (1)Has a Retroactive Date later than the date shown in the Schedule of this endorsement; or (2)Does not apply to an act,error or omission on a claims-made basis. 2.The Extended Reporting Period does not extend the policy period or change the scope of coverage provided.It applies only to "claims"for acts,errors or omissions that were first committed be- fore the end of the policy period but not before the Retroactive Date,if any, shown in the Schedule.Once in effect, the Extended Reporting Period may not be canceled. 3.An Extended Reporting Period of five years is available,but only by an endorsement and for an extra charge. You must give us a written request for the endorsement within 60 days after the end of the policy period.The Ex- tended Reporting Period will not go into effect unless you pay the additional premium promptly when due. We will determine the additional pre- mium in accordance with our rules and rates.In doing so,we may take into account the following: a.The "employee benefit programs" insured; b.Previous types and amounts of in- surance; c.Limits of insurance available under this endorsement for future pay- ment of damages;and d.Other related factors. The additional premium will not exceed 100%of the annual premium for this endorsement. The Extended Reporting Period endorsement applicable to this cover- age shall set forth the terms,not incon- sistent with this Section,applicable to the Extended Reporting Period,includ- ing a provision to the effect that the in- surance afforded for "claims"first received during such period is excess over any other valid and collectible in- surance available under policies in force after the Extended Reporting Pe- riod starts. 4.If the Extended Reporting Period is in effect,we will provide an extended re- porting period aggregate limit of insur- ance described below,but only for claims first received and recorded dur- ing the Extended Reporting Period. The extended reporting period aggre- gate limit of insurance will be equal to the dollar amount shown in the Sched- ule of this endorsement under Limits of Insurance. CG 04 35 12 07 Page 5 of 6 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Paragraph D.1.b.of this endorsement will be amended accordingly.The Each Employee Limit shown in the Schedule will then continue to apply as set forth in Paragraph D.1.c. G.For the purposes of the coverage provided by this endorsement,the following defi- nitions are added to the Definitions Section: 1."Administration"means: a.Providing information to "employ- ees",including their dependents and beneficiaries,with respect to eligibility for or scope of "employee benefit programs"; b.Handling records in connection with the "employee benefit program";or c.Effecting,continuing or terminating any "employee's"participation in any benefit included in the "em- ployee benefit program". However,"administration"does not in- clude handling payroll deductions. 2."Cafeteria plans"means plans author- ized by applicable law to allow employ- ees to elect to pay for certain benefits with pre-tax dollars. 3."Claim"means any demand,or "suit", made by an "employee"or an "employ- ee's"dependents and beneficiaries,for damages as the result of an act,error or omission. 4."Employee benefit program"means a program providing some or all of the following benefits to "employees", whether providing through a "cafeteria plan"or otherwise: a.Group life insurance,group acci- dent or health insurance,dental, vision and hearing plans,and flexi- ble spending accounts,provided that no one other than an "em- ployee"may subscribe to such benefits and such benefits are made generally available to those "employees"who satisfy the plan's eligibility requirements; b.Profit sharing plans,employee savings plans,employee stock ownership plans,pension plans and stock subscription plans,pro- vided that no one other than an "employee"may subscribe to such benefits and such benefits are made generally available to all "employees"who are eligible under the plan for such benefits; c.Unemployment insurance,social security benefits,workers'com- pensation and disability benefits; d.Vacation plans,including buy and sell programs;leave of absence programs,including military,ma- ternity,family,and civil leave;tui- tion assistance plans; transportation and health club sub- sidies;and e.Any other similar benefits desig- nated in the Schedule or added thereto by endorsement. H.For the purposes of the coverage provided by this endorsement,Definitions 5.and 18. in the Definitions Section are replaced by the following: 5."Employee"means a person actively employed,formerly employed,on leave of absence or disabled,or retired. "Employee"includes a "leased worker". "Employee"does not include a "tempo- rary worker". 18."Suit"means a civil proceeding in which damages because of an act,error or omission to which this insurance ap- plies are alleged."Suit"includes: a.An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent;or b.Any other alternative dispute resol- ution proceeding in which such damages are claimed and to which the insured submits with our con- sent. CG 04 35 12 07 Page 6 of 6 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. PREMIUM AUDIT NONCOMPLIANCE CHARGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK LIABILITY COVERAGE PART SCHEDULE Total Advance Premium:$78,512.00 Audit Noncompliance Charge Factor:Up to 2 times the Total Advance Premium 1.00 Number Of Written Attempts to Obtain Audit Information:2 Reassessment Charge:$0 Information required to complete this Schedule,if not shown above,will be shown in the Declarations. POLICY NUMBER:TRA 3515402 Paragraph 5.c.of the Premium Audit Condition under Section IV -Conditions is replaced by the following: c.The first Named Insured must keep records of the information we need for premium computation and send us copies at such times as we may request.If the first Named Insured fails to comply with this request at the close of an audit period,an Audit Noncompli- ance Charge will be assessed,and notice will be sent to the first Named Insured. The additional charge will be determined by multiplying the Total Advance Premium by the Audit Noncompliance Charge Factor indi- cated in the Schedule of this endorsement. (The following example is for illustration pur- poses only.) Example: Total Advance Premium:$25,000 Audit Noncompliance Charge Factor:1 Audit Noncompliance Charge:$25,000 (1)We will only assess the Audit Noncom- pliance Charge: (a)For audits conducted after the end of the policy period;and (b)When we have made the number of written attempts indicated in the Schedule of this endorsement to ob- tain audit information from the first Named Insured. The due date for the Audit Noncompliance Charge is the date shown as the due date on the bill. (2)Subsequent Compliance And Reassessment Charge (a)The first Named Insured may notify us in writing,prior to the due date on the bill for the Audit Noncompliance Charge,that the Named Insured agrees to comply with the audit request. (b)A Reassessment Charge may apply if this charge is indicated in the Schedule. (c)The first Named Insured must comply with the audit within 30 days of our re- ceipt of the written notification described in Paragraph (2)(a)above,and then the Audit Noncompliance Charge will no longer apply.If a Reassessment Charge is indicated in the Schedule of this endorsement,that charge will remain applicable. (d)If the first Named Insured fails to comply with the premium audit after 30 days of our receipt of the notification described in Paragraph (2)(a)above,a subsequent notice will be sent to the first Named In- sured indicating that the Audit Noncom- pliance Charge and the Reassessment Charge (if applicable)will be final.The due date for the Audit Noncompliance Charge and the Reassessment Charge is the date shown as the due date on the bill. ¢Insurance Services Office,Inc.,2018 CG 99 09 12 19 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. EXCLUSION -PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A.The following exclusion is added to Para- graph 2.Exclusions of Section I -Coverage A -Bodily Injury And Property Damage Li- ability: 2.Exclusions This insurance does not apply to: Perfluoroalkyl And Polyfluoroalkyl Sub- stances a."Bodily injury"or "property damage" which would not have occurred,in whole or in part,but for the actual, alleged,threatened or suspected inhalation,ingestion,absorption, consumption,discharge,dispersal, seepage,migration,release or es- cape of,contact with,exposure to, existence of,or presence of,any "perfluoroalkyl or polyfluoroalkyl substances". b.Any loss,cost or expense arising,in whole or in part,out of the abating, testing for,monitoring,cleaning up, removing,containing,treating, detoxifying,neutralizing,remediat- ing or disposing of,or in any way responding to or assessing the ef- fects of,"perfluoroalkyl or polyfluoroalkyl substances",by any insured or by any other person or entity. B.The following exclusion is added to Para- graph 2.Exclusions of Section I -Coverage B -Personal And Advertising Injury Liability: 2.Exclusions This insurance does not apply to: Perfluoroalkyl And Polyfluoroalkyl Sub- stances a."Personal and advertising injury" which would not have taken place,in whole or in part,but for the actual, alleged,threatened or suspected inhalation,ingestion,absorption, consumption,discharge,dispersal, seepage,migration,release or es- cape of,contact with,exposure to, existence of,or presence of,any "perfluoroalkyl or polyfluoroalkyl substances". b.Any loss,cost or expense arising,in whole or in part,out of the abating, testing for,monitoring,cleaning up, removing,containing,treating, detoxifying,neutralizing,remediat- ing or disposing of,or in any way responding to or assessing the ef- fects of,"perfluoroalkyl or polyfluoroalkyl substances",by any insured or by any other person or entity. C.The following definition is added to the Defi- nitions Section: "Perfluoroalkyl or polyfluoroalkyl substances" means any: 1.Chemical or substance that contains one or more alkyl carbons on which hydrogen atoms have been partially or completely replaced by fluorine atoms,including but not limited to: a.Polymer,oligomer,monomer or nonpolymer chemicals and their homologues,isomers,telomers, salts,derivatives,precursor chemi- cals,degradation products or by- products; b.Perfluoroalkyl acids (PFAA),such as perfluorooctanoic acid (PFOA)and its salts,or perfluorooctane sulfonic acid (PFOS)and its salts; c.Perfluoropolyethers (PFPE); d.Fluorotelomer-based substances;or e.Side-chain fluorinated polymers;or 2.Good or product,including containers, materials,parts or equipment furnished in connection with such goods or pro- ducts,that consists of or contains any chemical or substance described in Par- agraph C.1. ¬Insurance Services Office,Inc.,2022 CG 40 32 05 23 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A.The following exclusion is added: This insurance does not apply to: TERRORISM "Any injury or damage"arising,directly or indirectly,out of a "certified act of terrorism". B.The following definitions are added: 1.For the purposes of this endorsement, "any injury or damage"means any injury or damage covered under any Coverage Part to which this endorsement is appli- cable,and includes but is not limited to "bodily injury","property damage","per- sonal and advertising injury","injury"or "environmental damage"as may be de- fined in any applicable Coverage Part. 2."Certified act of terrorism"means an act that is certified by the Secretary of the Treasury,in accordance with the pro- visions of the federal Terrorism Risk In- surance Act,to be an act of terrorism pursuant to such Act.The criteria con- tained in the Terrorism Risk Insurance Act for a "certified act of terrorism"in- clude the following: a.The act resulted in insured losses in excess of $5 million in the aggre- gate,attributable to all types of in- surance subject to the Terrorism Risk Insurance Act;and b.The act is a violent act or an act that is dangerous to human life,property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Gov- ernment by coercion. C.The terms and limitations of any terrorism exclusion,or the inapplicability or omission of a terrorism exclusion,do not serve to cre- ate coverage for injury or damage that is otherwise excluded under this Coverage Part. ¢Insurance Services Office,Inc.,2014 CG 21 73 01 15 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:COMMERCIAL GENERAL LIABILITY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. ADDITIONAL INSURED -OWNERS,LESSEES OR CONTRACTORS -SCHEDULED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name of Person or Organization: AUTOMATIC STATUS-REQUIRED BY WRITTEN CONTRACT OR AGREEMENT CG 2010 BURR RIDGE IL 605270000 (If no entry appears above,information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) A.Section II -Who Is An Insured is amended to include as an insured the person or organ- ization shown in the Schedule,but only with respect to liability arising out of your ongoing operations performed for that insured. B.With respect to the insurance afforded to these additional insureds,the following ex- clusion is added: 2.Exclusions This insurance does not apply to "bodily injury"or "property damage"occurring after: (1)All work,including materials, parts or equipment furnished in connection with such work,on the project (other than service, maintenance or repairs)to be performed by or on behalf of the additional insured(s)at the site of the covered operations has been completed;or (2)That portion of "your work"out of which the injury or damage arises has been put to its in- tended use by any person or organization other than another contractor or subcontractor en- gaged in performing operations for a principal as part of the same project. Copyright,Insurance Services Office,Inc.,2000 CG 20 10 10 01 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL CYBER SUITE SUPPLEMENTAL DECLARATIONS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ DATA COMPROMISE RESPONSE EXPENSES Data Compromise Response Expenses Limit $250,000 Annual Aggregate Sublimits 1st Party Named Malware $50,000 Forensic IT Review $125,000 Legal Review $125,000 Public Relations $10,000 Regulatory Fines and Penalties $125,000 PCI Fines and Penalties $125,000 Per Occurrence Data Compromise Response Expenses Deductible $2,500 Per Occurrence COMPUTER ATTACK and CYBER EXTORTION Computer Attack Limit $250,000 Annual Aggregate Sublimits Loss of Business $125,000 Public Relations $10,000 Cyber Extortion $25,000 Per Occurrence Computer Attack and Cyber Extortion Deductible $2,500 Per Occurrence IDENTITY RECOVERY Identity Recovery Limit $25,000 Annual Aggregate per "Identity Recovery Insured" Sublimits Lost Wages and Child and Elder Care Expenses $5,000 Mental Health Counseling $1,000 Miscellaneous Unnamed Costs $1,000 Identity Recovery Deductible Not Applicable DATA COMPROMISE LIABILITY Data Compromise Defense and Liability Limit $250,000 Annual Aggregate Sublimits 3rd Party Named Malware $50,000 Per Occurrence Data Compromise Defense and Liability Deductible $2,500 Per Occurrence NETWORK SECURITY LIABILITY Network Security Defense and Liability Limit $250,000 Annual Aggregate PAGE 01 OF 02 CY 70 46 (07-17) 02/07/24 ORIGINAL PAGE 01 OF 02 CY 70 46 (07-17) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL CYBER SUITE SUPPLEMENTAL DECLARATIONS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Network Security Defense and Liability Deductible $2,500 Per Occurrence ELECTRONIC MEDIA LIABILITY Electronic Media Defense and Liability Limit $250,000 Annual Aggregate Electronic Media Defense and Liability Deductible $2,500 Per Occurrence TOTAL ADVANCE ANNUAL CYBER SUITE PREMIUM $680 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms And Endorsements Applicable to this Coverage Part: CY7046 0717 , CY7045 0717 , CY7057 0717 . PAGE 02 OF 02 CY 70 46 (07-17) 02/07/24 ORIGINAL PAGE 02 OF 02 CY 70 46 (07-17) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 A U T O C O V E R A G E A U T O C O V E R A G E A U T O C O V E R A G EDoc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL BUSINESS AUTO COVERAGE DECLARATIONS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD ITEM ONE-NAMED INSURED & MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ ITEM TWO SCHEDULE OF COVERAGES AND COVERED AUTOS Each Of These Coverages Will Apply Only To Those "Autos" Shown As Covered "Autos"."Autos" Are Shown As Covered "Autos" For A Particular Coverage By The Entry Of One Or More Of The Symbols From The Covered Auto Section of The Business Auto Coverage Form Next To The Name Of The Coverage. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿¿¿¿¿ ú ú ú COVERED LIMIT ú ú ú COVERAGES AUTO THE MOST WE WILL PAY FOR ANY PREMIUM ú ú ú SYMBOLS ONE ACCIDENT OR LOSS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Liability ú01 úBodily Injury ú $6,617 ú ú and $1,000,000 Each Accidentú ú úProperty Damage ú ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Auto Medical Pay. ú02 ú$5,000 ú $82 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ IL Uninsured ú06,08,09ú $1,000,000 Each Accident ú $114 Motorists ú ú ú WI Uninsured ú06,08,09ú $1,000,000 Each Accident ú $37 Motorists ú ú ú ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ IL Underinsured ú06,08,09ú $1,000,000 Each Accident ú $286 Motorists ú ú ú ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Physical Damage ú02,08 úActual Cash Value or Cost of Repair, ú $3,023 Comprehensive ú úWhichever is Less Minus the Ded. for Eachú Coverage ú úCovered Auto as Indicated in the Scheduleú ú úfor Covered Autos. No Deductible Applies ú ú úto Loss Caused by Fire or Lightning. ú ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Physical Damage ú02,08 úActual Cash Value or Cost of Repair, ú $6,035 Collision ú úWhichever is Less Minus the Deductible ú Coverage ú úfor Each Covered Auto as Indicated in theú ú úSchedule for Covered Autos. ú ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿Ë¿¿¿¿¿¿¿¿Ë¿¿¿¿Ì¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Additional Coverages and See Schedule CA DS 71 $283 Endorsements ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Total Advance Annual Premium $16,477 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Audit Period: Annually ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms And Endorsements Attached To This Coverage Form: CA0449 1116 , CADS03 1013 , IL0021 0908 , CA0117 1013 , CA2394 1013 , CA7080 1013 , CA0001 1013 , CA9924 1013 , CA2103 1013 , CA7007 1013 , CA0120 0115 , CA0270 0118 , CA9903 1013 , CA2130 0115 , CA2138 1013 , CADS71 0716 , CA7078 1013 , CA2071 1013*, CA9960 1013*, CA9910 1013 , CA9923 1013*, CA0444 1013 , CA2054 1013 , CA9933 1013 . PAGE 01 OF 03 CA DS 03 (10-13) 02/07/24 ORIGINAL PAGE 01 OF 03 CA DS 03 (10-13) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL BUSINESS AUTO COVERAGE DECLARATIONS (Continued) ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD ITEM ONE-NAMED INSURED & MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ ITEM THREE SCHEDULE OF COVERED AUTOS YOU OWN The Insurance Afforded For Any One Automobile Is Only With Respect To Such And So Many Of The Coverages As Are Indicated In Item Two Unless A Specific Limit Or Deductible Is Indicated In This Schedule Of Automobiles. COST STATED AUTO ST TER YR DESCRIPTION SERIAL NUMBER AGE SYM CLASS AMT GVW 001 WI 110 15 FORD F150 PICKUP 1FTEW1EF4FFB05878 10 39425 01499 002 WI 110 19 ROVR RANGE ROVER SALGS2RE3KA535283 6 131612 7398 003 IL 138 23 AUDI Q8 HYBRID QU WA1FVBF11PD000285 2 60000 7398 004 IL 115 23 ROVR RANGE ROVER SAL1L9FU8PA113914 2 100000 7398 005 IL 138 23 FORD F-150 SUPERC 1FTFW1RG6PFD32451 2 89502 01499 006 WI 110 24 PORS MACAN S AWD WP1AG2A50RLB38038 1 94000 7398 PREMIUMS- FPB/ MED UN-UD SPEC TOW & * DEDUCTIBLE TOTAL AUTO LIAB PIP PPI PY/EX MTRST COMP PERIL COLL LABOR ENDTS COMP COLL PREMIUM 001 $765 $8 $7 $154 $240 500 500 $1174 002 $535 $9 $13 $884 $987 500 500 $2428 003 $1359 $19 $162 $338 $1058 500 1000 $2936 004 $1074 $16 $162 $489 $1701 500 1000 $3442 005 $1864 $12 $17 $324 $1062 500 500 $3279 006 $475 $9 $13 $834 $987 500 500 $2318 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ HIRED AUTO LIABILITY STATE ESTIMATED ANNUAL COST OF HIRE PREMIUM IL 15,000 $253 WI 15,000 $152 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ HIRED AUTO UNINSURED MOTORISTS STATE ESTIMATED ANNUAL COST OF HIRE PREMIUM IL 15,000 $9 WI 15,000 $4 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ HIRED AUTO UNDERINSURED MOTORISTS STATE ESTIMATED ANNUAL COST OF HIRE PREMIUM IL 15,000 $19 Cost Of Hire Means The Total Amount You Incur For The Hire Of Autos You Do Not Own (Not Including Autos You Borrow Or Rent From Your Partners Or Employees Or Their Family Members). Cost Of Hire Does Not Include Charges For Services Performed By Motor Carriers Of Property Or Passengers. HIRED AUTO PHYSICAL DAMAGE ESTIMATED ANNUAL COST OF HIRE FOR STATE EACH STATE DEDUCTIBLE PREMIUM (EXCLUDING AUTOS HIRED WITH A DRIVER) WI COMPREHENSIVE IF ANY 500 INCL PAGE 02 OF 03 CA DS 03 (10-13) 02/07/24 ORIGINAL PAGE 02 OF 03 CA DS 03 (10-13) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL BUSINESS AUTO COVERAGE DECLARATIONS (Continued) ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD ITEM ONE-NAMED INSURED & MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ IL COMPREHENSIVE IF ANY 500 INCL WI COLLISION IF ANY 500 INCL IL COLLISION IF ANY 500 INCL For Physical Damage Coverages, Cost Of Hire Means That Total Amount You Incur For The Hire Of "Autos" You Don't Own (Not Including "Autos" You Borrow Or Rent From Your Partners Or "Employees" Or Their Family Members).Cost Of Hire Does Not Include Charges For Any "Auto" That Is Leased, Hired, Rented Or Borrowed With A Driver. NON-OWNERSHIP LIABILITY STATE RATING BASIS-NUMBER OF EMPLOYEES ESTIMATED NUMBER PREMIUM OF EMPLOYEES IL 7 $149 NON-OWNED AUTO UNINSURED MOTORISTS STATE RATING BASIS-PER EMPLOYEE NUMBER OF EMPLOYEES PREMIUM IL 7 $8 NON-OWNED AUTO UNDERINSURED MOTORISTS STATE RATING BASIS-PER EMPLOYEE NUMBER OF EMPLOYEES PREMIUM IL 7 $23 PAGE 03 OF 03 CA DS 03 (10-13) 02/07/24 ORIGINAL PAGE 03 OF 03 CA DS 03 (10-13) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL AUTO SCHEDULE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Additional Coverages and Endorsements Schedule ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Applies to: Endorsement Premium Policy $283 Business Auto Expanded Endorsement, CA 70 78 Policy Included Drive Other Car Coverage - Broadened coverage for Named Individuals, CA 99 10 Name of Individual:Executive Officers and Spouse/ members of that person's household Liability Limit: Included Auto Medical Payments Limit: Included Comprehensive Deductible: $0 Collision Deductible: $50 Uninsured Motorists Included Underinsured Motorists Included Unit Included Rental Reimbursement Coverage, CA 99 23 Coverage: Comprehensive Designation Or Description Of Covered "Autos" To Which This Insurance Applies: Applies to all Vehicles scheduled except vehicles specifically described on this form. Maximum Payment For Each Covered "Auto": Premium Any One Day: $60 Included No. Of Days: 30 Any One Period: 1,800 Coverage: Collision Designation Or Description Of Covered "Autos" To Which This Insurance Applies: Applies to all Vehicles scheduled except vehicles specifically described on this form. Maximum Payment For Each Covered "Auto": Premium Any One Day: $60 Included No. Of Days: 30 Any One Period: 1,800 Coverage: Specified Causes of Loss Designation Or Description Of Covered "Autos" To Which This Insurance Applies: Applies to all Vehicles scheduled except vehicles specifically described on this form. Maximum Payment For Each Covered "Auto": Premium Any One Day: $60 Included No. Of Days: 30 Any One Period: 1,800 Policy Included Waiver of Transfer of Rights of Recovery Against Others To Us (Waiver of Subrogation), CA 04 44 Name(s) Of Person(s) Or Organization(s): Automatic Status when required by Contract. PAGE 01 OF 02 CA DS 71 (07-16) 02/07/24 ORIGINAL PAGE 01 OF 02 CA DS 71 (07-16) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL AUTO SCHEDULE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Applies to: Endorsement Premium Unit Included Audio, Visual and Data Electronic Equipment Coverage Added Limits, CA 99 60 Description of Auto: Applies to ALL VEHICLES Scheduled Unit Included Auto Loan/Lease Gap Coverage, CA 20 71 Vehicle No: Description of Auto: Applies to ALL VEHICLES Scheduled Other Than Collision Additional Premium: Included Collision Additional Premium: Included PAGE 02 OF 02 CA DS 71 (07-16) 02/07/24 ORIGINAL PAGE 02 OF 02 CA DS 71 (07-16) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. AUTO LOAN/LEASE GAP COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement,the provisions of the Coverage Form apply un- less modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Description Of Loan/Lease "Autos"Other Than Collision Collision Vehicle No.Which Are Covered "Autos"Additional Premium Additional Premium $$ $$ $$ Information required to complete this Schedule,if not shown above,will be shown in the Declarations. POLICY NUMBER:TRA 3515402 Physical Damage Coverage is amended by the addition of the following: In the event of a total "loss"to a covered "auto" shown in the Schedule or Declarations for which a specific premium charge indicates that Auto Loan/Lease GAP Coverage applies,we will pay any unpaid amount due on the lease or loan for a covered "auto",less: 1.The amount paid under the policy's Physical Damage Coverage;and 2.Any: a.Overdue lease/loan payments at the time of the "loss"; b.Financial penalties imposed under a lease for excessive use,abnormal wear and tear or high mileage; c.Security deposits not returned by the lessor; d.Costs for extended warranties,Credit Life Insurance,Health,Accident or Disa- bility Insurance purchased with the loan or lease;and e.Carry-over balances from previous loans or leases. ¢Insurance Services Office,Inc.,2011 CA 20 71 10 13 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. AUDIO,VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE ADDED LIMITS This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement,the provisions of the Coverage Form apply un- less modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Description Of Covered "Auto"Per "Loss"Limit Additional Premium $$ $$ $$ Information required to complete this Schedule,if not shown above,will be shown in the Declarations. TRA 3515402 Physical Damage Coverage is amended as fol- lows: The sublimits in Paragraph C.1.b.of the Limits Of Insurance provision in the Business Auto and Motor Carrier Coverage Forms and in Paragraph 4.a.(2)of the Limits Of Insurance provision in the Auto Dealers Coverage Form are in addition to the Per "Loss"Limit shown in the Schedule of this endorsement. ¢Insurance Services Office,Inc.,2011 CA 99 60 10 13 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:COMMERCIAL AUTO THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. RENTAL REIMBURSEMENT COVERAGE This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement,the provisions of the Coverage Form apply un- less modified by the endorsement. This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below. Named Insured: Endorsement Effective Date: SCHEDULE Maximum Payment Each Covered "Auto" Designation Or Description Of Covered "Autos"To Which Any One No.Of Any One Coverage This Insurance Applies Day Days Period Premium Comprehensive $$$ $$$ Collision $$$ $$$ Specified $$$ Causes Of Loss $$$ Total Premium $ Information required to complete this Schedule,if not shown above,will be shown in the Declarations. TRA 3515402 A.This endorsement provides only those cov- erages where a premium is shown in the Schedule.It applies only to a covered "auto"described or designated in the Schedule. B.We will pay for rental reimbursement ex- penses incurred by you for the rental of an "auto"because of "loss"to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto".No deductibles apply to this coverage. C.We will pay only for those expenses in- curred during the policy period beginning 24 hours after the "loss"and ending,regard- less of the policy's expiration,with the lesser of the following number of days: 1.The number of days reasonably re- quired to repair or replace the covered "auto."If "loss"is caused by theft,this number of days is added to the number of days it takes to locate the covered "auto"and return it to you. 2.The number of days shown in the Schedule. D.Our payment is limited to the lesser of the following amounts: 1.Necessary and actual expenses in- curred. 2.The maximum payment stated in the Schedule applicable to "any one day" or "any one period." E.This coverage does not apply while there are spare or reserve "autos"available to you for your operations. F.If "loss"results from the total theft of a cov- ered "auto"of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement ex- penses which is not already provided for under the Physical Damage Coverage Ex- tension. ¢Insurance Services Office,Inc.,2011 CA 99 23 10 13 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 COMMERCIAL INLAND MARINE RENEWAL DECLARATIONS SCHEDULE OF COVERAGE FORMS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ This policy contains the following Inland Marine Coverage Forms: Coverage Forms Premium Accounts Receivable Included Fine Arts Floater Coverage Included Valuable Papers and Records Included Contractors' Equipment Coverage $ 1,397.00 Bldrs Risk Cov Scheduled Jobsite Form Comprehensive Form $ 4,535.00 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿p $ 5,932.00 Total Advance Annual Inland Marine Premium ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿p All Forms and Endorsements applicable to Inland Marine Coverages: CM0204 0118 , CM0128 0399 , CM0001 0904 , CM7090 0300 , CM9010 0621 , IL0953 0115*, CM7001 1110 , CM0066 0113 , CM7159 0606 , IM2027 0809 , IM7055 0112 , IM7050 0908 , CL0700 1006 , IM7086 0112 , IM7085 0908 , IM7066 0112 , IM7064 0908 , IM7005 0112 , IM7000 0404 , IM7017 0604 , IM7039 0711 , IM7854 1117 , CM7162 0611 , IM7902 0112*, IM7400 0811 , IM7405 0811 , IM7406 0811 , IM7417 0811 , IM7423 0413 , CM7000 0292 , CM0067 0113 . PAGE 01 OF 01 CM 70 90 (03-00) 02/07/24 ORIGINAL PAGE 01 OF 01 CM 70 90 (03-00) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 COMMERCIAL INLAND MARINE RENEWAL DECLARATIONS ACCOUNTS RECEIVABLE COVERAGE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ DESCRIPTION OF PREMISES Loc Bldg Street Address, City & State Occupancy *Refer to Commercial Property Expanded and/or Signature Series Schedule(s) for Coverages and Limits of Insurance.* ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COVERED PROPERTY AND LIMITS OF INSURANCE A. Coverage Applicable At Your Premises Loc Bldg Item Limits of Insurance B. Coverage Applicable Away From Your Premises * 80 % COINSURANCE APPLIES. REFER TO COVERAGE FORM. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ DESCRIPTION OF RECEPTACLES Loc Bldg Item Class Label Issuer Manufacturer ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Total Advance Annual Included Accounts Receivable Premium ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms and Endorsements applicable to this coverage: PAGE 01 OF 01 CM 70 01 (11-10) 02/07/24 ORIGINAL PAGE 01 OF 01 CM 70 01 (11-10) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 COMMERCIAL INLAND MARINE RENEWAL DECLARATIONS VALUABLE PAPERS AND RECORDS COVERAGE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COVERED PROPERTY AND LIMITS OF INSURANCE Specifically Described Property Loc Bldg Item Description Limit of Insurance *Refer to Commercial Property Expanded and/or Signature Series Schedule(s) for Coverages and Limits of Insurance.* All Other Covered Property Loc Bldg Item Limit of Insurance Property Away From Your Premises Limit of Insurance Item ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ DESCRIPTION OF RECEPTACLES Loc Bldg Item Class Label Issuer Manufacturer ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Total Advance Annual Included Valuable Papers and Records Premium ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms and Endorsements applicable to this coverage: CM7000 0292 , CM0067 0113 . PAGE 01 OF 01 CM 70 00 (02-92) 02/07/24 ORIGINAL PAGE 01 OF 01 CM 70 00 (02-92) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER: TRA 3515402 POLICY PERIOD: FROM 01/19/2024 TO 01/19/2025 SCHEDULE OF COVERAGES BUILDERS'RISK COMPREHENSIVE FORM (The entries required to complete this schedule will be shown below or on the "schedule of coverages".) SCHEDULED JOBSITES Loc. No. "Jobsite" "Limit" Various Jobsites Refer to IM7066 Check if applicable: { } Attach Additional Builders' Risk Schedule to schedule more "jobsites" CATASTROPHE LIMIT $ 6,000,000 COVERAGE EXTENSIONS "Limits" Additional Debris Removal Expenses $ 5,000 Emergency Removal 10 Days Emergency Removal Expenses $ 10,000 Fraud And Deceit $ 50,000 Limited Fungus Coverage $ 15,000 Waterborne Property $ 10,000 SUPPLEMENTAL COVERAGES "Limits" Expediting Expenses $ 10,000 Expense To Re-Erect Scaffolding $ 5,000 Fire Department Service Charges $ 1,000 Ordinance Or Law (Undamaged Parts Of A Building) Covered Ordinance Or Law (Increased Cost To Repair And Cost To Demolish/Clear Site) $ 50,000 Personal Property $ 10,000 Pollutant Cleanup And Removal $ 25,000 Rewards $ 1,000 Sewer Backup $ 10,000 Temporary Storage Locations $ 250,000 Transit $ 250,000 Trees, Shrubs, And Plants $ 10,000 DEDUCTIBLE Deductible Amount $ 2,500 COINSURANCE (check one) { } 100% {X} Coinsurance Provisions Are Waived ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2012 PAGE 01 OF 02 IM 70 55 (01-12) 02/07/24 ORIGINAL PAGE 01 OF 02 IM 70 55 (01-12) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 PERMISSION TO OCCUPY (check one) { } Permission to occupy is not granted. {X} The occupancy and use provisions under Additional Coverage Limitations are deleted, and permission is granted to occupy covered property after the date indicated below: Month 01 Day 19 Year 22 ADDITIONAL INFORMATION CM7159 0606 , IM2027 0809 , IM7055 0112 , IM7050 0908 , CL0700 1006 , IM7086 0112 , IM7085 0908 , IM7066 0112 , IM7064 0908 . ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2012 PAGE 02 OF 02 IM 70 55 (01-12) 02/07/24 ORIGINAL PAGE 02 OF 02 IM 70 55 (01-12) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER: TRA 3515402 POLICY PERIOD: FROM 01/19/2024 TO 01/19/2025 REPORTING CONDITIONS SCHEDULE BUILDERS' RISK (The entries required to complete this schedule will be shown below or on the "schedule of coverages".) "Limit" Building Limit -- The most "we" pay for loss to any one "building or structure" is: $ 3,000,000 Building Limit - Rehabilitation And Renovation Form -- The most "we" pay for loss to any one "rehabilitation or renovation project" is: Not Covered REPORTING CONDITIONS Reporting Period -- (check one) { } Monthly { } Quarterly {X} Annual Adjustment Period -- (check one) { } Monthly { } Quarterly {X} Annual Additional Premium Due After Expiration -- When the premium for the coverage provided by this policy is based upon reports of value any additional premium owed to "us" is due on the due date that appears on the billing notice. Coverage/Construction Rate Building Limit/Various .033 Deposit Premium $ 3,960 Minimum Premium $ 500 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2012 PAGE 01 OF 01 IM 70 66 (01-12) 02/07/24 ORIGINAL PAGE 01 OF 01 IM 70 66 (01-12) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER: TRA 3515402 POLICY PERIOD: FROM 01/19/2024 TO 01/19/2025 EARTHQUAKE AND FLOOD SCHEDULE (The entries required to complete this schedule will be shown below or on the "schedule of coverages".) ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ EARTHQUAKE COVERAGE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ { } Coverage Not Provided {X} Coverage Provided, subject to the following "limits": "Limits" Earthquake Building Limit $ 1,500,000 Earthquake Occurrence Limit $ 1,500,000 Earthquake Catastrophe Limit (12-month period) $ 1,500,000 Deductible Amount $ 25,000 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ FLOOD COVERAGE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ { } Coverage Not Provided {X} Coverage Provided, subject to the following "limits": "Limits" Flood Building Limit $ 500,000 Flood Occurrence Limit $ 500,000 Flood Catastrophe Limit (12-month period) $ 500,000 Deductible Amount $ 50,000 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ DELAY IN COMPLETION ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Earthquake Coverage {X} Coverage Not Provided For Delay in Completion { } Coverage Provided, Included in Earthquake Limits { } Coverage Provided, subject to the following Delay in Completion Limits: "Limits" Additional Construction Expenses $ Additional Soft Costs $ Rental Income $ Income Coverage $ Flood Coverage {X} Coverage Not Provided For Delay in Completion { } Coverage Provided, Included in Flood Limits { } Coverage Provided, subject to the following Delay In Completion Limits: ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2012 PAGE 01 OF 02 IM 70 86 (01-12) 02/07/24 ORIGINAL PAGE 01 OF 02 IM 70 86 (01-12) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Additional Construction Expenses $ Additional Soft Costs $ Rental Income $ Income Coverage $ ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2012 PAGE 02 OF 02 IM 70 86 (01-12) 02/07/24 ORIGINAL PAGE 02 OF 02 IM 70 86 (01-12) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER: TRA 3515402 POLICY PERIOD: FROM 01/19/2024 TO 01/19/2025 SCHEDULE OF COVERAGES CONTRACTORS' EQUIPMENT (The entries required to complete this schedule will be shown below or on the "schedule of coverages".) PROPERTY COVERED (check one) {X} Scheduled Equipment (Refer to Equipment Schedule) { } Schedule On File "Limit" Catastrophe Limit -- The most "we" pay for loss in any one occurrence is: $ 439,594 COVERAGE EXTENSIONS Additional Debris Removal Expenses $ 5,000 SUPPLEMENTAL COVERAGES Employee Tools $ 5,000 Equipment Leased or Rented From Others $ 240,000 Newly Purchased Equipment (check one) {X}Percentage of Catastrophe Limit 30% { }Dollar Limit $ Pollutant Cleanup and Removal $ 25,000 Rental Reimbursement -- Reimbursement Limit $ 5,000 -- Waiting Period 72 hrs Spare Parts and Fuel $ 5,000 COINSURANCE (check one) { } 80% { } 90% {X} 100% { } Other % REPORTING CONDITIONS (check if applicable) { } Equipment Leased or Rented From Others -- Reporting Rate -- Deposit Premium $ -- Minimum Premium $ VALUATION (check if applicable) { } Actual Cash Value { } Replacement Cost {X} Indicated on Equipment Schedule ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2012 PAGE 01 OF 02 IM 70 05 (01-12) 02/07/24 ORIGINAL PAGE 01 OF 02 IM 70 05 (01-12) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 DEDUCTIBLE (check one) {X} Flat Deductible Amount Refer to form CM7162 { } Percentage Deductible % Maximum Deductible Amount $ Minimum Deductible Amount $ ADDITIONAL INFORMATION CM7159 0606 , IM7005 0112 , IM7000 0404 , IM7017 0604 , CL0700 1006 , IM2027 0809 , IM7039 0711 , IM7854 1117 , CM7162 0611 , IM7902 0112*. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2012 PAGE 02 OF 02 IM 70 05 (01-12) 02/07/24 ORIGINAL PAGE 02 OF 02 IM 70 05 (01-12) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 LOSS PAYABLE SCHEDULE (The entires required to complete this schedule will be shown below or on the "schedule of coverages".) Indicate applicable provision: [“Loss Payable [“Lender's Loss Payable [“Contract of Sale SCHEDULE Location Number Address 001 ALL COVERED LOCATIONS Covered Property Name and Address Of Loss Payee LEASED/RENTED EQUIPMENT MOBILE MINI INC AND ITS SUBSIDIARIES 4646 E VAN BUREN ST SUITE 400 PHOENIX AZ 850080000 Location Number Address Covered Property Name and Address Of Loss Payee Location Number Address Covered Property Name and Address Of Loss Payee POLICY NUMBER:TRA 3515402 X Copyright,American Association of Insurance Services,Inc.,2012 IM 7902 01 12 Page 1 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Location Number Address Covered Property Name and Address Of Loss Payee Location Number Address Covered Property Name and Address Of Loss Payee Location Number Address Covered Property Name and Address Of Loss Payee IM 7902 01 12 Page 2 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER: TRA 3515402 POLICY PERIOD: FROM 01/19/2024 TO 01/19/2025 EQUIPMENT SCHEDULE CONTRACTORS' EQUIPMENT VALUATION BASIS (The entries required to complete this schedule will be shown below or on the "schedule of coverages".) SCHEDULED EQUIPMENT ACV = Actual Cash Value RP = Replacement Cost AA = Agreed Amount Item # Description of Equipment 01 LEICA SURVEY EQUIPMENT S#TCP1205 Limit $ 23,084 Valuation ACV Deductible $ 1,000 Item # Description of Equipment 02 LEICA SURVEY EQUIPMENT S#TS12 Limit $ 15,000 Valuation ACV Deductible $ 1,000 Item # Description of Equipment 03 LEICA SURVEY EQUIPMENT/TOTAL STN S#TS12 5#R400 Limit $ 35,726 Valuation ACV Deductible $ 1,000 Item # Description of Equipment 04 LEICA GSM TOTAL STATION Limit $ 36,211 Valuation ACV Deductible $ 1,000 Item # Description of Equipment 05 UNLISTED ITEMS $5,000 PER ITEM MAXIMUM Limit $ 20,000 Valuation ACV Deductible $ 1,000 Item # Description of Equipment 06 LEICA TS16P SURVEY EQUIP Limit $ 34,553 Valuation ACV Deductible $ 1,000 Item # Description of Equipment 07 LEICA TS16 P 5" R500 ROBOTIC TOTAL STATION WITH ACCESSORIES S# 3873611 Limit $ 35,020 Valuation ACV Deductible $ 1,000 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ PAGE 01 OF 01 CM 71 62 (06-11) 02/07/24 ORIGINAL PAGE 01 OF 01 CM 71 62 (06-11) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER: TRA 3515402 POLICY PERIOD: FROM 01/19/2024 TO 01/19/2025 SCHEDULE OF COVERAGES FINE ARTS FLOATER (The entries required to complete this schedule will be shown below or on the "schedule of coverages".) COVERED PREMISES Refer to attached Fine Arts Schedule ____________________________________ COVERED FINE ARTS Refer to attached Fine Arts Schedule ____________________________________ CATASTROPHE LIMIT Refer To Commercial Property Expanded and/or Signature Series Schedule DEDUCTIBLE AMOUNT Refer To Commercial Property Expanded and/or Signature Series Schedule COVERAGE EXTENSIONS "Limit" Emergency Removal 30 days Emergency Removal Expenses 30 days $ 1,000 SUPPLEMENTAL COVERAGES "Limit" Newly Acquired Art 25% of catastrophe limit Off-Premises Coverage $ 10,000 Property Used To Display Or Protect Art $ 5,000 Transit Coverage $ 10,000 ADDITIONAL INFORMATION IM7400 0811 , IM7405 0811 , IM7406 0811 , IM7417 0811 , IM7423 0413 . ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2011 PAGE 01 OF 01 IM 74 05 (08-11) 02/07/24 ORIGINAL PAGE 01 OF 01 IM 74 05 (08-11) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER: TRA 3515402 POLICY PERIOD: FROM 01/19/2024 TO 01/19/2025 FINE ARTS SCHEDULE FINE ARTS FLOATER (The entries required to complete this schedule will be shown below or on the "schedule of coverages".) Refer To Commercial Property Expanded and/or Signature Series Schedule(s) For Coverages And Limits Of Insurance Prem. No. Described Premises SCHEDULED FINE ARTS Item No. Description "Limit" ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Copyright, American Association of Insurance Services, Inc., 2011 PAGE 01 OF 01 IM 74 06 (08-11) 02/07/24 ORIGINAL PAGE 01 OF 01 IM 74 06 (08-11) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL CRIME AND FIDELITY COVERAGE PART DECLARATION (COMMERCIAL ENTITIES) ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. at your mailing address 01/19/25 Period To shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Limit of Insurance Deductible Amount Insuring Agreements Per Occurrence Per Occurrence *Refer to Commercial Property Expanded and/or Signature Series Schedule(s) for Coverages and Limits of Insurance.* Note: Employee Theft, Forgery Or Alterations, Inside The Premises - Theft Of Money And Securities, Outside The Premises, and Money Orders And Counterfeit Money included in the schedule(s) apply on a policy-level basis. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Coverage is Written: Primary ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Included Total Advance Annual Crime Premium ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ Forms and Endorsements forming part of this policy coverage when issued: IL0953 0115*, CR0752 0107*, CR7000 0813 , CR0021 1115 , CR0202 0118 . ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ CANCELLATION OF PRIOR INSURANCE ISSUED BY US: By acceptance of this Coverage Part / Policy you give us notice cancelling prior policy Nos. _________________________; the cancellation to be effective at the time this Coverage Part become effective. PAGE 01 OF 01 CR 70 00 (08-13) 02/07/24 ORIGINAL PAGE 01 OF 01 CR 70 00 (08-13) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. EXCLUSION OF CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART STANDARD PROPERTY POLICY SCHEDULE The Exception Covering Certain Fire Losses (Paragraph C)applies to property located in the following state(s),if covered under the indicated Coverage Form,Coverage Part or Policy: State(s)Coverage Form,Coverage Part Or Policy CA,ME,MO,OR,VI,WI Property Coverage Part,Farm Coverage Part, Inland Marine Coverage Part,Crime &Fidelity Coverage Part, CT,GA,HI,IA,IL,MA,NC,NJ,NY,RI,VA,Property Coverage Part,Crime &Fidelity Coverage WA,WV Part,Farm Coverage Part Information required to complete this Schedule,if not shown above,will be shown in the Declarations. A.The following definition is added with respect to the provisions of this endorsement: "Certified act of terrorism"means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of the fed- eral Terrorism Risk Insurance Act,to be an act of terrorism pursuant to such Act.The criteria contained in the Terrorism Risk In- surance Act for a "certified act of terrorism" include the following: 1.The act resulted in insured losses in ex- cess of $5 million in the aggregate,at- tributable to all types of insurance subject to the Terrorism Risk Insurance Act;and 2.The act is a violent act or an act that is dangerous to human life,property or infrastructure and is committed by an in- dividual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. B.The following exclusion is added: Certified Act of Terrorism Exclusion We will not pay for loss or damage caused directly or indirectly by a "certified act of terrorism".Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. C.Exception Covering Certain Fire Losses The following exception to the exclusion in Paragraph B.applies only if indicated and as indicated in the Schedule of this endorse- ment. If a "certified act of terrorism"results in fire, we will pay for the loss or damage caused by that fire.Such coverage for fire applies only to direct loss or damage by fire to Covered Property.Therefore,for example,the cover- age does not apply to insurance provided under Business Income and/or Extra Expense coverage forms or endorsements which apply to those forms,or to the Legal Liability Cov- erage Form or the Leasehold Interest Cover- age Form. ¢Insurance Services Office,Inc.,2015 IL 09 53 01 15 Page 1 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year and we have met our insurer deductible under the Terrorism Risk Insur- ance Act,we shall not be liable for the pay- ment of any portion of the amount of such losses that exceeds $100 billion,and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. D.Application Of Other Exclusions The terms and limitations of any terrorism exclusion,or the inapplicability or omission of a terrorism exclusion,do not serve to cre- ate coverage for any loss which would other- wise be excluded under this Coverage Part or Policy,such as losses excluded by the Nuclear Hazard Exclusion or the War And Military Action Exclusion. IL 09 53 01 15 Page 2 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 CRIME AND FIDELITY THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. CONDITIONAL EXCLUSION OF TERRORISM (RELATING TO DISPOSITION OF FEDERAL TERRORISM RISK INSURANCE ACT) This endorsement modifies insurance provided under the following: COMMERCIAL CRIME COVERAGE FORM GOVERNMENT CRIME COVERAGE FORM KIDNAP/RANSOM AND EXTORTION COVERAGE FORM A.Applicability Of The Provisions Of This Endorsement 1.When the federal Terrorism Risk Insur- ance Program ("Program")established by the Terrorism Risk Insurance Act ter- minates with respect to the other Cover- age Forms and Coverage Parts contained in this policy,then the provisions of this endorsement apply with respect to the Commercial Crime Coverage Form,Gov- ernment Crime Coverage Form and Kidnap/Ransom And Extortion Coverage Form.Such provisions: a.Supersede any terrorism endorse- ment already endorsed to this policy that addresses "certified acts of terrorism"and/or "other acts of terrorism",but only with respect to loss or damage from an incident(s) of terrorism (however defined)that occurs on or after the date when the provisions of this endorsement be- come applicable;and b.Remain applicable unless we notify you of changes in these provisions, in response to federal law. 2.If the provisions of this endorsement do NOT become applicable,any terrorism endorsement already endorsed to this policy,that addresses "certified acts of terrorism"and/or "other acts of terrorism",will continue in effect unless we notify you of changes to that endorsement in response to federal law. B.The following definition is added and applies under this endorsement wherever the term terrorism is enclosed in quotation marks. "Terrorism"means activities against persons, organizations or property of any nature: 1.That involve the following or preparation for the following: a.Use or threat of force or violence;or b.Commission or threat of a danger- ous act;or c.Commission or threat of an act that interferes with or disrupts an elec- tronic,communication,information, or mechanical system;and 2.When one or both of the following ap- plies: a.The effect is to intimidate or coerce a government or the civilian popu- lation or any segment thereof,or to disrupt any segment of the economy; or b.It appears that the intent is to intim- idate or coerce a government,or to further political,ideological,reli- gious,social or economic objectives or to express (or express opposition to)a philosophy or ideology. C.The following exclusion is added: EXCLUSION OF TERRORISM We will not pay for loss or damage caused directly or indirectly by "terrorism",including action in hindering or defending against an actual or expected incident of "terrorism". Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. But this exclusion applies only when one or more of the following are attributed to an in- cident of "terrorism": 1.The "terrorism"is carried out by means of the dispersal or application of radio- active material,or through the use of a nuclear weapon or device that involves or produces a nuclear reaction,nuclear radiation or radioactive contamination; or 2.Radioactive material is released,and it appears that one purpose of the "terrorism"was to release such material; or ¢ISO Properties,Inc.,2006 CR 07 52 01 07 Page 1 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 3.The "terrorism"is carried out by means of the dispersal or application of pathogenic or poisonous biological or chemical materials;or 4.Pathogenic or poisonous biological or chemical materials are released,and it appears that one purpose of the "terrorism"was to release such materi- als;or 5.The total of insured damage to all types of property in the United States,its terri- tories and possessions,Puerto Rico and Canada exceeds $25,000,000.In deter- mining whether the $25,000,000 threshold is exceeded,we will include all insured damage sustained by property of all per- sons and entities affected by the "terrorism"and business interruption losses sustained by owners or occupants of the damaged property.For the pur- pose of this provision,insured damage means damage that is covered by any insurance plus damage that would be covered by any insurance but for the ap- plication of any terrorism exclusions. Multiple incidents of "terrorism"which occur within a 72-hour period and appear to be carried out in concert or to have a related purpose or common leadership will be deemed to be one incident,for the purpose of determing whether the threshold is exceeded. With respect to this Item C.5.,the imme- diately preceding paragraph describes the threshold used to measure the mag- nitude of an incident of "terrorism"and the circumstances in which the threshold will apply,for the purpose of determining whether this Exclusion will apply to that incident.When the Exclusion applies to an incident of "terrorism",there is no coverage under this Coverage Form. D.Application Of Other Exclusions 1.When the Exclusion Of Terrorism applies in accordance with the terms of C.1.or C.2.,such exclusion applies without re- gard to the Nuclear Hazard Exclusion in this Coverage Form. 2.The terms and limitations of any terrorism exclusion,or the inapplicability or omission of a terrorism exclusion,do not serve to create coverage for any loss or damage which would otherwise be excluded under this Coverage Form, such as losses excluded by the Nuclear Hazard Exclusion or the War And Military Action Exclusion. CR 07 52 01 07 Page 2 of 2 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 AGENCY PROD. 41 RENEWAL COMMERCIAL LIABILITY UMBRELLA DECLARATIONS ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ COMPANY PROVIDING COVERAGE WESTFIELD INSURANCE COMPANY 12-01237 PUD NAMED INSURED AND MAILING ADDRESS ALL-BRY CONSTRUCTION CO.; THE ROCKWOOD COMPANY 2BG VENTURE LLC. 20 N WACKER DR STE 600 145 TOWER DRIVE SUITE 7 CHICAGO IL 60606-2806 BURR RIDGE IL 60527 TELEPHONE 312-621-2200 3 515 402 ú11ú 1200808063 ú Q Policy Number: TRA WIC Account Number: 01/19/24 Policy From at 12:01 A.M. Standard Time at your 01/19/25 Period To mailing address shown above. ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ LIMITS OF INSURANCE $10,000,000 EACH OCCURRENCE LIMIT $10,000,000 GENERAL AGGREGATE LIMIT $10,000,000 PERSONAL & ADVERTISING INJURY LIMIT $0 SELF INSURED RETENTION ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ SCHEDULE OF UNDERLYING INSURANCE ¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿Ì¿¿¿¿¿¿¿¿¿¿¿¿ ú ú ú ú POLICY TYPE OF POLICY ú ú ú ú NUMBER COVERAGE INSURER LIMITS OF LIABILITY PERIOD ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ TRA úGeneral úWestfieldú $2,000,000 General Aggregate ú01/19/24 3515402úLiabilityúInsuranceú $2,000,000 Products/Completed ú To ú ú ú Operations Aggregate ú01/19/25 ú ú ú $1,000,000 Personal And ú ú ú ú Advertising Injury ú ú ú ú $1,000,000 Each Occurrence ú ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ TRA úAuto úWestfieldú $1,000,000 Bodily Injury And ú01/19/24 3515402úLiabilityúInsuranceú Property Damage Each Accident ú To ú ú ú ú01/19/25 ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ WCN6002úEmployersúNORTHSTONú $1,000,000 Bodily Injury Each Accident ú08/20/23 889 úLiabilityúE INS ú $1,000,000 Bodily Injury By Disease ú To ú úCOMPANY ú Policy Limit ú08/20/24 ú ú ú $1,000,000 Bodily Injury By Disease ú ú ú ú Each Employee ú ¿¿¿¿¿¿¿¿Ë¿¿¿¿¿¿¿¿¿Ë¿¿¿¿¿¿¿¿¿Ë¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿Ë¿¿¿¿¿¿¿¿¿¿¿¿ PREMIUM BASIS: FLATCHARGE ¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿¿ $35,371.00 COMMERCIAL UMBRELLA ANNUAL PREMIUM $35,371.00 TOTAL ADVANCE ANNUAL PREMIUM Forms And Endorsements Applicable To This Coverage Part: CU7034 0911 , CU2403 1219 , CU2401A 0918 , CUDS01 0900 , CU0001 0413 , CU0200 0118 , CU7000 1206 , CU7002 1206 , CU2108 1219 , CU2123 0202 , CU2432 0413 , CU7033 0911 , CU2255 0900 , IL7013 1206 , CU3454 0523*, CU2142 1204 , CU2150 0305 , CU3423 1219 , CU2186 0514 , CU0107 0110 , CU2125 1201 , CU2133 0115 , CU2430 0413 . PAGE 01 OF 01 CU DS 01 (09-00) 02/07/24 ORIGINAL PAGE 01 OF 01 CU DS 01 (09-00) 02/07/24 ORIGINAL Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMMERCIAL LIABILITY UMBRELLA THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. EXCLUSION -PERFLUOROALKYL AND POLYFLUOROALKYL SUBSTANCES (PFAS) This endorsement modifies insurance provided under the following: COMMERCIAL LIABILITY UMBRELLA COVERAGE PART A.The following exclusion is added to Para- graph 2.Exclusions of Section I -Coverage A -Bodily Injury And Property Damage Li- ability: 2.Exclusions This insurance does not apply to: Perfluoroalkyl And Polyfluoroalkyl Sub- stances a."Bodily injury"or "property damage" which would not have occurred,in whole or in part,but for the actual, alleged,threatened or suspected inhalation,ingestion,absorption, consumption,discharge,dispersal, seepage,migration,release or es- cape of,contact with,exposure to, existence of,or presence of,any "perfluoroalkyl or polyfluoroalkyl substances". b.Any loss,cost or expense arising,in whole or in part,out of the abating, testing for,monitoring,cleaning up, removing,containing,treating, detoxifying,neutralizing,remediat- ing or disposing of,or in any way responding to or assessing the ef- fects of,"perfluoroalkyl or polyfluoroalkyl substances",by any insured or by any other person or entity. B.The following exclusion is added to Para- graph 2.Exclusions of Section I -Coverage B -Personal And Advertising Injury Liability: 2.Exclusions This insurance does not apply to: Perfluoroalkyl And Polyfluoroalkyl Sub- stances a."Personal and advertising injury" which would not have taken place,in whole or in part,but for the actual, alleged,threatened or suspected inhalation,ingestion,absorption, consumption,discharge,dispersal, seepage,migration,release or es- cape of,contact with,exposure to, existence of,or presence of,any "perfluoroalkyl or polyfluoroalkyl substances". b.Any loss,cost or expense arising,in whole or in part,out of the abating, testing for,monitoring,cleaning up, removing,containing,treating, detoxifying,neutralizing,remediat- ing or disposing of,or in any way responding to or assessing the ef- fects of,"perfluoroalkyl or polyfluoroalkyl substances",by any insured or by any other person or entity. C.The following definition is added to the Defi- nitions Section: "Perfluoroalkyl or polyfluoroalkyl substances" means any: 1.Chemical or substance that contains one or more alkyl carbons on which hydrogen atoms have been partially or completely replaced by fluorine atoms,including but not limited to: a.Polymer,oligomer,monomer or nonpolymer chemicals and their homologues,isomers,telomers, salts,derivatives,precursor chemi- cals,degradation products or by- products; b.Perfluoroalkyl acids (PFAA),such as perfluorooctanoic acid (PFOA)and its salts,or perfluorooctane sulfonic acid (PFOS)and its salts; c.Perfluoropolyethers (PFPE); d.Fluorotelomer-based substances;or e.Side-chain fluorinated polymers;or 2.Good or product,including containers, materials,parts or equipment furnished in connection with such goods or pro- ducts,that consists of or contains any chemical or substance described in Par- agraph C.1. ¬Insurance Services Office,Inc.,2022 CU 34 54 05 23 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 09/05/2023 Policy Number:WCN6002889 Dear Policyholder: Please review the enclosed policy carefully to make sure all the information about your business is correct. If changes are needed, notify your Agent immediately. If you do not have an agent, notify your Underwriter. · As an Encova policyholder, we offer a wide variety of resources to assist your business with loss-prevention efforts, including safety handouts, safety training guides, presentations and access to online safety training videos. Our on-site safety and loss control assessment identifies potential hazards or exposures that can result in employee injuries and provides solutions for the hazards or exposures identified. Visit Encova.com and click on the Insurance Tab, then select Workers' Compensation, Policyholder Safety Services for more information. Email safety360@encova.com to register and receive access to online resources. · Claims should be reported to us within 24 hours of occurrence. National studies show that claims reported within 24 hours can result in a significant claim cost reduction due to the injured employee receiving timely treatment, earlier return to work opportunities, and decreased attorney involvement. Report an injury to us using one of these methods: Telephone: Call 844-362-6821. Internet: File electronically through StreetConnect. Contact your agent or Encova's Customer Service Unit for information about becoming a StreetConnect user. Email: Send the completed First Report of Injury as an attachment to: ClaimsIntake@encova.com. Fax: Send the First Report of Injury to 877.293.5513 or 304.941.1151. · A premium audit will be conducted within 90 days from the expiration of your policy. We are committed to producing premium audits that represent accurate payroll and premium levels. Your policy premium was based on estimated payroll, job classifications, and other information. A premium audit is used to validate these items to finalize the premium for the expired policy. We appreciate your business and we look forward to serving you! Sincerely, POL001 (Ed. 7-20) 400 Quarrier Street Charleston, West Virginia 25301 304.941.1000 n 844-362-6821 www.encova.com SBK Building Restoration LLC 145 Tower Dr Suite 7 Burr Ridge, IL 60527 Thomas J. Obrokta, Jr. President and Chief Executive Officer Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Workers Compensation and Employers Liability Insurance Policy Policy Number Policy Period From To WCN6002889 08/01/2023 08/01/2024 (12:01 AM at the insured location) Information Page 1. Named Insured and Address Renewal/Rewrite of Policy Number Agency Information WCN6002889 SBK Building Restoration LLC 145 Tower Dr Suite 7 Burr Ridge, IL 60527 33034307 Alliant Insurance Services Inc 353 N Clark St Chicago, IL 60654-4704 Carrier No. 16456 FEIN 20-2315891 Risk ID 121278359 Entity Type Limited Liability Company- Corporation Additional Workplaces not shown above: Refer to Schedule of Locations Endorsement WC 99 06 02 A (07-20) 2. The Policy Period is from 08/01/2023 to 08/01/2024 12:01am Standard Time at the insured's mailing address. 3. A. Workers Compensation Insurance: Part One of the policy applies to the Workers Compensation Law of the states listed here: B. Employers Liability Insurance: Part Two of the policy applies to work in each state listed in Item 3.A. The limits of our liability under part Two are: Bodily Injury by Accident: $1,000,000.00 Bodily Injury by Disease: $1,000,000.00 Bodily Injury by Disease: $1,000,000.00 Each Accident Policy Limit Each Employee C. Other States Insurance: Part Three of the policy applies to the states, if any, listed here: All states and U.S. territories except North Dakota, Ohio, Washington, Wyoming, Puerto Rico, and the U.S. Virgin Islands, and states designated in Item 3.A. of the Information Page. D. This policy includes these endorsements and schedules: SEE ATTACHED SCHEDULE 4. The premium for this policy will be determined by our Manuals of Rules, Classifications, Rates and Rating Plans. All Information required below is subject to verification and change by audit. SEE ATTACHED CLASSIFICATIONS OF OPERATIONS Minimum Premium:$900.00 Total Estimated Annual Premium:$100,090.00 Premium Discount:$8,812.00CR Expense Constant:$250.00 Deposit Premium:$20,220.00 Issue Date:09/05/2023 Issuing Office:Charleston, WV WC 00 00 01 A (7-09) Includes copyright material of the National Council on Compensation Insurance, Inc. used with its permission. © 1996 National Council on Compensation Insurance, Inc. IL NorthStone Insurance Company A Stock Company Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Workers Compensation and Employers Liability Insurance Policy WC 99 06 00 A (07-20) Page 1 of 1 Issuing Office:Charleston, WV Issue Date:09/05/2023 Policy Number: WCN6002889 Named Insured:SBK Building Restoration LLC Agency Name:Alliant Insurance Services Inc Extension of Information Page Classification of Operations Class Code No.Class Description Exposure Rate Per $100 of Remuneration Estimated Annual Premium State:IL Premium Period:08/01/2023 - 08/01/2024 Location:1 5022 MASONRY NOC $1,200,000.00 13.59 $163,080.00 5606 CONTRACTOR--PROJECT MANAGER, CONSTRUCTION EXECUTIVE, CONSTRUCTION MANAGER OR CONSTRUCTION SUPERINTENDENT $425,000.00 1.85 $7,863.00 8742 SALESPERSONS OR COLLECTORS-OUTSIDE $62,400.00 0.26 $162.00 8742 Include SALESPERSONS OR COLLECTORS-OUTSIDE $67,600.00 0.26 $176.00 8810 CLERICAL OFFICE EMPLOYEES NOC $1,432,400.00 0.11 $1,576.00 8810 Include CLERICAL OFFICE EMPLOYEES NOC $67,600.00 0.11 $74.00 0930 Waiver of Subrogation Premium $500.00 9812 Employers Liability Limits 0.014 $2,421.00 9898 Experience Modification Premium 0.81 $33,412.00CR 9046 Contracting Classification Premium Adjustment Program Premium 0.75 $35,610.00CR Total Standard Premium $106,830.00 0063 Premium Discount 0.0825 $8,812.00CR 0900 Expense Constant $250.00 9740 Terrorism 0.037 $1,204.00 9741 Catastrophe (Other than certified acts of terrorism)0.019 $618.00 9683 Illinois Industrial Commission Surcharge 0.0101 $1,011.00 Policy Estimated Annual Premium $100,090.00 Policy Total Amount Due $101,101.00 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Workers Compensation and Employers Liability Insurance Policy WC 99 06 01 A (07-20) Issuing Office:Charleston, WV Issue Date:09/05/2023 Policy Number: WCN6002889 Named Insured:SBK Building Restoration LLC Agency Name:Alliant Insurance Services Inc Schedule of Endorsements State Form Number Form Title IL 12-1 Illinois Contracting Classification Premium Adjustment Program Application IL IL Posting Notice Posting Notice IL PN-Privacy Privacy Policy POL001 Policy Cover Letter TER-DIS Terrorism Disclosure WC 00 00 00 C Workers Compensation & Employers Liability Insurance Policy WC 00 00 01 A Policy Information Page WC 00 03 10 Sole Proprietors, Partners, Officers, and Others Coverage Endorsement WC 00 03 13 Waiver of Our Right to Recover From Others Endorsement - Blanket WC 00 04 06 A Premium Discount Endorsement WC 00 04 14 A Notification Of Change In Ownership Endorsement WC 00 04 19 A Part Five - Premium Amendatory Endorsement WC 00 04 21 F Catastrophe (Other Than Certified Acts of Terrorism) Premium Endorsement WC 00 04 22 C Terrorism Risk Insurance Program Reauthorization Act Disclosure Endorsement WC 00 04 24 Audit Noncompliance Charge Endorsement WC 00 04 25 Experience Rating Modification Factor Revision Endorsement IL WC 12 04 02 IL Contracting Classification Premium Adjustment Endr IL WC 12 06 01 F IL Amendatory Endorsement IL WC 12 06 03 Illinois Renewal Endorsement WC 89 06 34 A Installment Schedule WC 99 06 00 A Extension of Information Page Classification of Operations WC 99 06 01 A Schedule of Endorsements WC 99 06 02 A Schedule of Locations WC 99 06 03 C Signature Page Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Workers Compensation and Employers Liability Insurance Policy WC 99 06 01 A (07-20) Issuing Office:Charleston, WV Issue Date:09/05/2023 Policy Number: WCN6002889 Named Insured:SBK Building Restoration LLC Agency Name:Alliant Insurance Services Inc WC 99 06 14 Additional Policy Provisions Notice Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Workers Compensation and Employers Liability Insurance Policy WC 99 06 02 A (07-20) Issuing Office:Charleston, WV Issue Date:09/05/2023 Policy Number: WCN6002889 Named Insured:SBK Building Restoration LLC Agency Name:Alliant Insurance Services Inc Schedule of Locations Location No.State Location Name and Address 1 IL SBK Building Restoration LLC 145 Tower Dr Suite 7 Burr Ridge IL 60527 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Contact us at www.encova.com or Call Us at 844-362-6821 WC 89 06 34 A (07-20) Issuing Office:Charleston, WV Issue Date:09/05/2023 SBK Building Restoration LLC POLICY INSTALLMENT PLAN SCHEDULE Policy Number:WCN6002889 Coverage Period: 08/01/2023 to 08/01/2024 You have elected to pay the total estimated annual premium using an installment plan. There is a payment plan processing fee of $0 for each installment. You may pay the entire balance at any time to avoid future installment charges. The installment plan schedule presented below is an estimate. An invoice will be sent to you prior to each installment period. The payment schedule will change if there are changes to the total estimated premium due to mid-term policy activity. INSTALLMENT PLAN SCHEDULE Installment InstallmentDue Date Deposit Premium 08/01/2023 $20,220.00 Installment 09/21/2023 $10,110.00 Installment 10/21/2023 $10,110.00 Installment 11/21/2023 $10,110.00 Installment 12/21/2023 $10,110.00 Installment 01/21/2024 $10,110.00 Installment 02/21/2024 $10,110.00 Installment 03/21/2024 $10,110.00 Installment 04/21/2024 $10,111.00 Total Estimate Policy Premium $101,101.00 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:WCN6002889 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 C (Ed. 01-15) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY A. B. C. D. E. In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: GENERAL SECTION The Policy This policy includes at its effective date the Infor- mation Page and all endorsements and schedules listed there. It is a contract of insurance between you (the employer named in Item 1 of the Informa- tion Page) and us (the insurer named on the Infor- mation Page). The only agreements relating to this insurance are stated in this policy. The terms of this policy may not be changed or waived except by endorsement issued by us to be part of this policy. Who is Insured You are insured if you are an employer named in Item 1 of the Information Page. If that employer is a partnership, and if you are one of its partners, you are insured, but only in your capacity as an em- ployer of the partnership’s employees. Workers Compensation Law Workers Compensation Law means the workers or workmen’s compensation law and occupational disease law of each state or territory named in Item 3.A. of the Information Page. It includes any amendments to that law which are in effect during the policy period. It does not include any federal workers or workmen’s compensation law, any fed- eral occupational disease law or the provisions of any law that provide nonoccupational disability benefits. State State means any state of the United States of America, and the District of Columbia. Locations This policy covers all of your workplaces listed in Items 1 or 4 of the Information Page; and it covers all other workplaces in Item 3.A. states unless you have other insurance or are self-insured for such workplaces. PART ONE WORKERS COMPENSATION INSURANCE A. 1. Bodily injury by accident must occur during the policy period. 2. Bodily injury by disease must be caused or aggravated by the conditions of your employment. The employee’s last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. B. C. D. 1. reasonable expenses incurred at our request, but not loss of earnings; 2. premiums for bonds to release attachments and for appeal bonds in bond amounts up to the amount payable under this insurance; 3. litigation costs taxed against you; 4. Interest on a judgment as required by law until we offer the amount due under this insurance; and 5. expenses we incur. E. How This Insurance Applies This workers compensation insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury includes resulting death. We Will Pay We will pay promptly when due the benefits required of you by the workers compensation law. We Will Defend We have the right and duty to defend at our expense any claim, proceeding or suit against you for benefits payable by this insurance. We have the right to in- vestigate and settle these claims, proceedings or suits. We have no duty to defend a claim, proceeding or suit that is not covered by this insurance. We Will Also Pay We will also pay these costs, in addition to other amounts payable under this insurance, as part of any claim, proceeding or suit we defend: Other Insurance We will not pay more than our share of benefits and costs covered by this insurance and other 1 of 6 © Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:WCN6002889 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY (Ed. 01-15) WC 00 00 00 C insurance or self-insurance. Subject to any limits of liability that may apply, all shares will be equal until the loss is paid. If any insurance or self-insurance is exhausted, the shares of all remaining insurance will be equal until the loss is paid. F. Payments You Must Make You are responsible for any payments in excess of the benefits regularly provided by the workers compensation law including those required be- cause: 1. of your serious and willful misconduct; 2. you knowingly employ an employee in violation of law; 3. you fail to comply with a health or safety law or regulation; or 4. you discharge, coerce or otherwise discriminate against any employee in violation of the workers compensation law. If we make any payments in excess of the benefits regularly provided by the workers compensation law on your behalf, you will reimburse us promptly. G. Recovery From Others We have your rights, and the rights of persons enti- tled to the benefits of this insurance, to recover our payments from anyone liable for the injury. You will do everything necessary to protect those rights for us and to help us enforce them. H. Statutory Provisions These statements apply where they are required by law. 1. As between an injured worker and us, we have notice of the injury when you have notice. 2. Your default or the bankruptcy or insolvency of you or your estate will not relieve us of our du- ties under this insurance after an injury occurs. 3. We are directly and primarily liable to any per- son entitled to the benefits payable by this in- surance. Those persons may enforce our duties; so may an agency authorized by law. Enforce- ment may be against us or against you and us. 4. Jurisdiction over you is jurisdiction over us for purposes of the workers compensation law. We are bound by decisions against you under that law, subject to the provisions of this policy that are not in conflict with that law. 5. This insurance conforms to the parts of the workers compensation law that apply to: a. benefits payable by this insurance; b. special taxes, payments into security or other special funds, and assessments pay- able by us under that law. 6. Terms of this insurance that conflict with the workers compensation law are changed by this statement to conform to that law. Nothing in these paragraphs relieves you of your du- ties under this policy. PART TWO A. How This Insurance Applies This employers liability insurance applies to bodily injury by accident or bodily injury by disease. Bodily injury includes resulting death. 1. The bodily injury must arise out of and in the course of the injured employee’s employment by you. 2. The employment must be necessary or inciden- tal to your work in a state or territory listed in Item 3.A. of the Information Page. 3. Bodily injury by accident must occur during the policy period. 4. Bodily injury by disease must be caused or ag- gravated by the conditions of your employment. The employee’s last day of last exposure to the conditions causing or aggravating such bodily in- jury by disease must occur during the policy pe- riod. 5. If you are sued, the original suit and any related legal actions for damages for bodily injury by ac- cident or by disease must be brought in the United States of America, its territories or pos- sessions, or Canada. B. We Will Pay We will pay all sums that you legally must pay as damages because of bodily injury to your emp- lloyees, provided the bodily injury is covered by this Employers Liability Insurance. The damages we will pay, where recovery is permitted by law, include damages: EMPLOYERS LIABILITY INSURANCE 1. For which you are liable to a third party by reason of a claim or suit against you by that third party to recover the damages claimed 2 of 6 © Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:WCN6002889 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 C (Ed. 01-15) Exclusions 1. Liability assumed under a contract. This exclu- sion does not apply to a warranty that your work will be done in a workmanlike manner; 2. Punitive or exemplary damages because of bod- ily injury to an employee employed in violation of law; 3. Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers; 4. Any obligation imposed by a workers compen- sation, occupational disease, unemployment compensation, or disability benefits law, or any similar law; 5. Bodily injury intentionally caused or aggravated by you; 6. Bodily injury occurring outside the United States of America, its territories or possessions, and Canada. This exclusion does not apply to bodily injury to a citizen or resident of the United States of America or Canada who is temporarily outside these countries; 7. Damages arising out of coercion, criticism, de- motion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimi- nation against or termination of any employee, or any personnel practices, policies, acts or omissions; 8 Bodily injury to any person in work subject to the Longshore and Harbor Workers’ Compensation Act (33 U.S.C. Sections 901 et seq. ), the Non- appropriated Fund Instrumentalities Act (5 U.S.C. Sections 8171 et seq.), the Outer Continental Shelf Lands Act (43 U.S.C. Sections 1331 et seq.), the Defense Base Act (42 U.S.C. Sections 1651– 1654), the Federal Mine Safety and Health against such third party as a result of injury to your employee; C. This insurance does not cover: 9. Bodily injury to any person in work subject to the Federal Employers’ Liability Act (45 U.S.C. Sec- tions 51 et seq.), any other federal laws obligating an employer to pay damages to an employee due to bodily injury arising out of or in the course of employment, or any amendments to those laws; 10. Bodily injury to a master or member of the crew of any vessel, and does not cover punitive damages related to your duty or obligation to provide transportation, wages, maintenance, and cure under any applicable maritime law; 11. Fines or penalties imposed for violation of federal or state law; and 12. Damages payable under the Migrant and Sea- sonal Agricultural Worker Protection Act (29 U.S.C. Sections 1801 et seq.) and under any other federal law awarding damages for violation of those laws or regulations issued there under, and any amendments to those laws. We Will Defend We have the right and duty to defend, at our ex- pense, any claim, proceeding or suit against you for damages payable by this insurance. We have the right to investigate and settle these claims, proceed- ings and suits. We have no duty to defend a claim, proceeding or suit that is not covered by this insurance. We have no duty to defend or continue defending after we have paid our applicable limit of liability under this insurance. We Will Also Pay 1. Reasonable expenses incurred at our request, but not loss of earnings; 2. Premiums for bonds to release attachments and for appeal bonds in bond amounts up to the limit of our liability under this insurance; 3. Litigation costs taxed against you; 4. Interest on a judgment as required by law until we offer the amount due under this insurance; and 5. Expenses we incur. 4. Because of bodily injury to your employee that arises out of and in the course of employment, claimed against you in a capacity other than as employer. Act (30 U.S.C. Sections 801 et seq. and 901-944), any other federal workers or workmen’s compensation law or other federal occupational disease law, or any amendments to these laws; D. E. We will also pay these costs, in addition to other amounts payable under this insurance, as part of any claim, proceeding, or suit we defend: 2. For care and loss of services; and 3. For consequential bodily injury to a spouse, child parent, brother or sister of the injured employee; provided that these damages are the direct conse- quence of bodily injury that arises out of and in the course of the injured employee’s employment by you; and 3 of 6 © Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:WCN6002889 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICYWC 00 00 00 C (Ed. 01-15) F. G. Limits of Liability Our liability to pay for damages is limited. Our limits of liability are shown in Item 3.B. of the Information Page. They apply as explained below. 1. Bodily Injury by Accident. The limit shown for “bodily injury by accident—each accident” is the most we will pay for all damages covered by this insurance because of bodily injury to one or more employees in any one accident. A disease is not bodily injury by accident unless it results directly from bodily injury by accident. 2. Bodily Injury by Disease. The limit shown for “bodily injury by disease—policy limit” is the most we will pay for all damages covered by this insurance and arising out of bodily injury by dis- ease, regardless of the number of employees who sustain bodily injury by disease. The limit shown for “bodily injury by disease—each em- ployee” is the most we will pay for all damages because of bodily injury by disease to any one employee. Bodily injury by disease does not include dis- ease that results directly from a bodily injury by accident. 3. We will not pay any claims for damages after we have paid the applicable limit of our liability un- der this insurance. H. I. Actions Against Us Other Insurance We will not pay more than our share of damages and costs covered by this insurance and other in- surance or self-insurance. Subject to any limits of li- ability that apply, all shares will be equal until the loss is paid. If any insurance or self-insurance is ex- hausted, the shares of all remaining insurance and self-insurance will be equal until the loss is paid. Recovery From Others We have your rights to recover our payment from anyone liable for an injury covered by this insurance. You will do everything necessary to protect those rights for us and to help us enforce them. There will be no right of action against us under this insurance unless: 1. You have complied with all the terms of this pol- icy; and 2. The amount you owe has been determined with our consent or by actual trial and final judgment. This insurance does not give anyone the right to add us as a defendant in an action against you to deter- mine your liability. The bankruptcy or insolvency of you or your estate will not relieve us of our obliga- tions under this Part. PART THREE A. How This Insurance Applies 1. This other states insurance applies only if one or more states are shown in Item 3.C. of the Infor- mation Page. 2. If you begin work in any one of those states after the effective date of this policy and are not in- sured or are not self-insured for such work, all provisions of the policy will apply as though that state were listed in Item 3.A. of the Information Page. 3. We will reimburse you for the benefits required by the workers compensation law of that state if we are not permitted to pay the benefits directly to persons entitled to them. 4. If you have work on the effective date of this pol- icy in any state not listed in Item 3.A. of the In- formation Page, coverage will not be afforded for that state unless we are notified within thirty days. OTHER STATES INSURANCE B. Notice Tell us at once if you begin work in any state listed in Item 3.C. of the Information Page. PART FOUR Tell us at once if injury occurs that may be covered by this policy. Your other duties are listed here. 1. Provide for immediate medical and other ser- vices required by the workers compensation law. 2. Give us or our agent the names and addresses of the injured persons and of witnesses, and other information we may need. 3. Promptly give us all notices, demands and legal YOUR DUTIES IF INJURY OCCURS 4 of 6 © Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:WCN6002889 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 C (Ed. 01-15) 4. Cooperate with us and assist us, as we may re- quest, in the investigation, settlement or defense of any claim, proceeding or suit. 5. Do nothing after an injury occurs that would in- terfere with our right to recover from others. 6. Do not voluntarily make payments, assume obli- gations or incur expenses, except at your own cost. papers related to the injury, claim, proceeding or suit. A. Our Manuals All premium for this policy will be determined by our manuals of rules, rates, rating plans and classifica- tions. We may change our manuals and apply the changes to this policy if authorized by law or a gov- ernmental agency regulating this insurance. B. Classifications Item 4 of the Information Page shows the rate and premium basis for certain business or work classifi- cations. These classifications were assigned based on an estimate of the exposures you would have during the policy period. If your actual exposures are not properly described by those classifications, we will assign proper classifications, rates and premium basis by endorsement to this policy. Remuneration PART FIVE—PREMIUM C. Premium for each work classification is determined by multiplying a rate times a premium basis. Remu- neration is the most common premium basis. This premium basis includes payroll and all other remu- neration paid or payable during the policy period for the services of: 1. all your officers and employees engaged in work covered by this policy; and 2. all other persons engaged in work that could make us liable under Part One (Workers Com- pensation Insurance) of this policy. If you do not have payroll records for these persons, the con- tract price for their services and materials may be used as the premium basis. This paragraph 2 will not apply if you give us proof that the em- ployers of these persons lawfully secured their workers compensation obligations. D. Premium Payments You will pay all premium when due. You will pay the premium even if part or all of a workers compensa- tion law is not valid. E. Final Premium The premium shown on the Information Page, schedules, and endorsements is an estimate. The final premium will be determined after this policy ends by using the actual, not the estimated, pre- mium basis and the proper classifications and rates that lawfully apply to the business and work covered by this policy. If the final premium is more than the premium you paid to us, you must pay us the bal- ance. If it is less, we will refund the balance to you. The final premium will not be less than the highest minimum premium for the classifications covered by this policy. If this policy is canceled, final premium will be de- termined in the following way unless our manuals provide otherwise: 1. If we cancel, final premium will be calculated pro rata based on the time this policy was in force. Final premium will not be less than the pro rata share of the minimum premium. 2. If you cancel, final premium will be more than pro rata; it will be based on the time this policy was in force, and increased by our short-rate cancelation table and procedure. Final premium will not be less than the minimum premium. F. Records You will keep records of information needed to com- pute premium. You will provide us with copies of those records when we ask for them. G. Audit You will let us examine and audit all your records that relate to this policy. These records include ledg- ers, journals, registers, vouchers, contracts, tax re- ports, payroll and disbursement records, and pro- grams for storing and retrieving data. We may con- duct the audits during regular business hours during the policy period and within three years after the pol- icy period ends. Information developed by audit will be used to determine final premium. Insurance rate service organizations have the same rights we have under this provision. 5 of 6 © Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICY NUMBER:WCN6002889 WC 00 00 00 C WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY (Ed. 01-15) PART SIX—CONDITIONS A. B. C. If you die and we receive notice within thirty days af- ter your death, we will cover your legal representa- tive as insured. Cancelation Inspection We have the right, but are not obliged to inspect your workplaces at any time. Our inspections are not safety inspections. They relate only to the insurabil- ity of the workplaces and the premiums to be charged. We may give you reports on the conditions we find. We may also recommend changes. While they may help reduce losses, we do not undertake to perform the duty of any person to provide for the health or safety of your employees or the public. We do not warrant that your workplaces are safe or healthful or that they comply with laws, regulations, codes or standards. Insurance rate service organiza- tions have the same rights we have under this provi- sion. Long Term Policy If the policy period is longer than one year and six- teen days, all provisions of this policy will apply as though a new policy were issued on each annual anniversary that this policy is in force. Transfer of Your Rights and Duties Your rights or duties under this policy may not be transferred without our written consent. D. 1. You may cancel this policy. You must mail or de- liver advance written notice to us stating when the cancelation is to take effect. 2. We may cancel this policy. We must mail or de- liver to you not less than ten days advance writ- ten notice stating when the cancelation is to take effect. Mailing that notice to you at your mailing address shown in Item 1 of the Information Page will be sufficient to prove notice. 3. The policy period will end on the day and hour stated in the cancelation notice. 4. Any of these provisions that conflict with a law that controls the cancelation of the insurance in this policy is changed by this statement to com- ply with the law. E. Sole Representative The insured first named in Item 1 of the Information Page will act on behalf of all insureds to change this policy, receive return premium, and give or receive notice of cancelation. 6 of 6 © Copyright 2010 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Signature Form of Authorized Representatives of Insurer Workers Compensation and Employers Liability Insurance Policy President Corporate Secretary The secretary and president of NorthStone Insurance Company, a member of Encova Mutual Insurance Group, have signed this policy with legal authority. WC 99 06 03 C (07-23) Policy Number:WCN6002889 Issue Date: 09/05/2023 Issuing Office: Charleston, WV Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 (Ed. 4-84) WC 00 03 10 © 1983 National Council on Compensation Insurance. Insurance Company: Insured Name:Premium: Endorsement No:Policy Number:Endorsement Effective Date: (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. Countersigned by: POLICY NUMBER:WCN6002889 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 10 (Ed. 4-84) SOLE PROPRIETORS, PARTNERS, OFFICERS AND OTHERS COVERAGE ENDORSEMENT An election was made by or on behalf of each person described in the Schedule to be subject to the workers compensation law of the state named in the Schedule. The premium basis for the policy includes the remuneration of such persons. Schedule Persons State Title/Relationship Tom Girouard IL Officer Clarke Hockney IL Officer Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 13 (Ed. 4-84) Policy Number:WCN6002889 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Effective Date: Policy Number:Endorsement No.: Insured Name:Premium: Insurance Company: WC 00 03 13 (Ed. 4-84) © 1983 National Council on Compensation Insurance. Countersigned by WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT - BLANKET 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.) This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule. Schedule State Description IL Any party with whom the insured agrees to waive subrogation in a written contract. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 06 A (Ed. 7-95) PREMIUM DISCOUNT ENDORSEMENT The premium for this policy and the policies, if any, listed in Item 3 of the Schedule may be eligible for a discount. This endorsement shows your estimated discount in Items 1 or 2 of the Schedule. The final calculation of premium discount will be determined by our manuals and your premium basis as determined by audit. Premium subject to retrospective rating is not subject to premium discount. Policy Number WCN6002889 This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) Endorsement Date Retrieved: Policy Number:Endorsement No.: Insured Name:Premium: Insurance Company: WC 00 04 06 A (Ed. 7-95) © 1995 National Council on Compensation Insurance, Inc. Countersigned by Schedule 1. State:IL Estimated Eligible Premium: $106,830.00 First $10,000.00 Next $190,000.00 Next $1,550,000.00 Balance 0 0.091 0.113 0.123 2. Average percentage discount:8.250 % 3. Other policies: 4. If there are no entries in Items 1, 2 and 3 of the Schedule, see the Premium Discount Endorsement attached to your policy number: Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 14 A 90-DAY REPORTING REQUIREMENT-NOTIFICATION OF CHANGE IN OWNERSHIP ENDORSEMENT WC 00 04 14 A (Ed. 1-19) Insurance Company: Insured Name:Premium: Endorsement No:Policy Number:Endorsement Effective Date: (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (Ed. 1-19) Countersigned by: You must report any change in ownership to us in writing within 90 days of the date of the change. Change in ownership includes sales, purchases, other transfers, mergers, consolidations, dissolutions, formations of a new entity, and other changes provided for in the applicable experience rating plan. Experience rating is mandatory for all eligible insureds. The experience rating modification factor, if any, applicable to this policy, may change if there is a change in your ownership or in that of one or more of the entities eligible to be combined with you for experience rating purposes. Failure to report any change in ownership, regardless of whether the change is reported within 90 days of such change, may result in revision of the experience rating modification factor used to determine your premium. This reporting requirement applies regardless of whether an experience rating modification is currently applicable to this policy. ©Copyright 2017 National Council on Compensation Insurance, Inc. All Rights Reserved. POLICY NUMBER:WCN6002889 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 19 A (Ed. 08-2022) 00 04 19 A WC (Ed. 08-2022) Insurance Company: Insured Name:Premium: Endorsement No:Policy Number:Endorsement Effective Date: (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. Countersigned by: Part Five—Premium Amendatory Endorsement This endorsement amends Part Five—Premium of the policy as follows: Part Five—Premium, Section A. (Our Manuals) is replaced by the following provision: A.Our Manuals All premium for this policy will be determined by our manuals of rules, rates and loss costs (as applicable), rating plans, forms, endorsements, and classifications, and such manuals are expressly incorporated by reference into, and apply to, this policy and any renewals (our manuals). As used in this policy and any renewals, our manuals means manuals that have been: 1.Developed in any format and filed by the state-designated workers compensation rating or advisory 2.Developed in any format and filed by the respective state rating bureau on our behalf with the appropriate 3.Developed in any format and filed by us with the appropriate state insurance regulatory authority; and 4.For each or any of the three scenarios above, the manuals also must be approved for use by the appropriate We may change our manuals and apply the changes to this policy and any renewals if such manual changes are approved for use by the appropriate state insurance regulatory authority, or as otherwise authorized by law as applicable. Part Five—Premium, Section D. (Premium Payments) is replaced by the following provision: D. Premium Payments You will pay all premium when due. You will pay the premium even if part or all of a workers compensation law is not valid. The due date for audit and retrospective premiums is the due date specified in the billing for the policy. organization on our behalf with the appropriate state insurance regulatory authority; or state insurance regulatory authority; or state insurance regulatory authority, or as otherwise authorized by law as applicable. POLICY NUMBER:WCN6002889 © Copyright 2021 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 © Copyright 2021 National Council on Compensation Insurance, Inc. All Rights Reserved. (Ed. 08-2022) WC 00 04 21 F Countersigned by (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 21 F (Ed. 08-2022) Policy Number:WCN6002889 Insurance Company: Premium:Insured Name: Endorsement No.: Policy Number:Endorsement Effective Date: CATASTROPHE (OTHER THAN CERTIFIED ACTS OF TERRORISM) PREMIUM ENDORSEMENT This endorsement is notification that that we are charging premium to cover the losses that may occur in the event of a Catastrophe (Other Than Certified Acts of Terrorism) as that term is defined below. Your policy provides coverage for workers compensation losses caused by a Catastrophe (Other Than Certified Acts of Terrorism). Coverage for such losses is subject to all terms, definitions, exclusions, and conditions in your policy, and any applicable federal and/or state laws, rules, or regulations. This premium charge does not provide funding for Certified Acts of Terrorism contemplated under the Terrorism Risk Insurance Program Reauthorization Act Disclosure Endorsement attached to this policy. For purposes of this endorsement, Catastrophe (Other Than Certified Acts of Terrorism) is defined as: A single event or peril resulting in a group of claims with aggregate workers compensation losses in excess of $50 million. This $50 million threshold applies per occurrence, across all states for which claims arise from a single event or peril. The premium charge for the coverage your policy provides for workers compensation losses caused by a Catastrophe (Other Than Certified Acts of Terrorism) is shown in Item 4 of the Information Page or in the Schedule below. Schedule State Rate Premium IL .019 $618.00 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE ENDORSEMENT (Ed 1-21) WC 00 04 22 CWORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY POLICY NUMBER:WCN6002889 This endorsement addresses the requirements of the Terrorism Risk Insurance Act of 2002 as amended and extended by the Terrorism Risk Insurance Program Reauthorization Act of 2019. It serves to notify you of certain limitations under the Act, and that your insurance carrier is charging premium for losses that may occur in the event of an Act of Terrorism. Your policy provides coverage for workers compensation losses caused by Acts of Terrorism, including workers compensation benefit obligations dictated by state law. Coverage for such losses is still subject to all terms, definitions, exclusions, and conditions in your policy, and any applicable federal and/or state laws, rules, or regulations. Definitions The definitions provided in this endorsement are based on and have the same meaning as the definitions in the Act. If words or phrases not defined in this endorsement are defined in the Act, the definitions in the Act will apply. “Act” means the Terrorism Risk Insurance Act of 2002, which took effect on November 26, 2002, and any amendments thereto, including any amendments resulting from the Terrorism Risk Insurance Program Reauthorization Act of 2019. “Act of Terrorism” means any act that is certified by the Secretary of the Treasury, in consultation with the Secretary of Homeland Security, and the Attorney General of the United States, as meeting all of the following requirements: a. The act is an act of terrorism. b. The act is violent or dangerous to human life, property, or infrastructure. c. The act resulted in damage within the United States, or outside of the United States in the case of the premises of United States missions or certain air carriers or vessels. d. The act has been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. “Insured Loss” means any loss resulting from an act of terrorism (and, except for Pennsylvania, including an act of war, in the case of workers compensation) that is covered by primary or excess property and casualty insurance issued by an insurer if the loss occurs in the United States or at the premises of United States missions or to certain air carriers or vessels. “Insurer Deductible” means, for the period beginning on January 1, 2021, and ending on December 31, 2027, an amount equal to 20% of our direct earned premiums during the immediately preceding calendar year. Limitation of Liability The Act limits our liability to you under this policy. If aggregate Insured Losses exceed $100,000,000,000 in a calendar year and if we have met our Insurer Deductible, we are not liable for the payment of any portion of the amount of Insured Losses that exceeds $100,000,000,000; and for aggregate Insured Losses up to $100,000,000,000, we will pay only a pro rata share of such Insured Losses as determined by the Secretary of the Treasury. © Copyright 2020 National Council on Compensation Insurance, Inc. All Rights Reserved. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 © Copyright 2020 National Council on Compensation Insurance, Inc. All Rights Reserved. Countersigned by(Ed. 1-21) WC 00 04 22 C This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 22 C (Ed. 1-21) Insurance Company: Endorsement Effective Date: Endorsement No.: Policy Number: Insured Name:Premium: POLICY NUMBER: WCN6002889 Policyholder Disclosure Notice 1. Insured Losses would be partially reimbursed by the United States Government. If the aggregate industry Insured Losses occurring in any calendar year exceed $200,000,000, the United States Government would pay 80% or our Insured Losses that exceed our Insurer Deductible. 2. Notwithstanding item 1 above, the United States Government will not make any payment under the Act for any portion of Insured Losses that exceed $100,000,000,000. 3. The premium charge for the coverage your policy provides for Insured Losses is included in the amount shown in Item 4 of the Information Page or in the Schedule below. Schedule State Rate Premium IL 0.037 $1,204.00 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 © 2016 National Council on Compensation Insurance. (Ed. 1-17) WC 00 04 24 Countersigned by (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 24 (Ed. 1-17) Policy Number:WCN6002889 Insurance Company: Premium:Insured Name: Endorsement No.: Policy Number:Endorsement Effective Date: AUDIT NONCOMPLIANCE CHARGE ENDORSEMENT Part Five--Premium Section G. (Audit) of the Workers Compensation and Employers Liability Insurance Policy is revised by adding the following: If you do not allow us to examine and audit all of your records that relate to this policy, and/or do not provide audit information as requested, we may apply an Audit Noncompliance Charge. The method for determining the Audit Noncompliance Charge by state, where applicable, is shown in the Schedule below. If you allow us to examine and audit all of your records after we have applied an Audit Noncompliance Charge, we will revise your premium in accordance with our manuals and Part 5--Premium, E. (Final Premium) of this policy. Failure to cooperate with this policy provision may result in the cancellation of your insurance coverage, as specified under the policy. Note: For coverage under state-approved workers compensation assigned risk plans, failure to cooperate with this policy provision may affect your eligibility of coverage. Schedule State Basis of Audit Noncompliance Charge Maximum Audit Noncompliance Charge Multiplier IL Estimated Annual Premium Two Times Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 04 25 (Ed. 5-17) EXPERIENCE RATING MODIFICATION FACTOR REVISION ENDORSEMENT This endorsement is added to Part Five --Premium of the policy. The premium for the policy is adjusted by an experience rating modification factor. The factor shown on the Information Page may be revised and applied to the policy in accordance with our manuals and endorsements. We will issue an endorsement to show the revised factor, if different from the factor shown, when it is calculated. WC 00 04 25 (Ed. 5-17) Insurance Company: Insured Name:Premium: Endorsement No:Policy Number:Endorsement Effective Date: (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. Countersigned by: © Copyright 2016 National Council on Compensation Insurance, Inc. All Rights Reserved POLICY NUMBER:WCN6002889 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 12 04 02 (Ed. 9-92) ILLINOIS CONTRACTING CLASSIFICATION PREMIUM ADJUSTMENT ENDORSEMENT The premium for the policy may be adjusted by an Illinois Contracting Classification Premium Adjustment factor. The factor was not available when the policy was issued. If you qualify, or if an estimated factor has been applied, we will issue an endorsement to show the proper premium adjustment factor after it is calculated. WC 12 04 02 (Ed. 9-92) Insurance Company: Insured Name:Premium: Endorsement No:Policy Number:Endorsement Effective Date: (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. Countersigned by: © 1992 National Council on Compensation Insurance. POLICY NUMBER:WCN6002889 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 12 06 01 F (Ed. 01-19) WC 12 06 01 F (Ed. 01-19) © Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. Page 1 of 2 Policy Number WCN6002889 ILLINOIS AMENDATORY ENDORSEMENT A. Inspection We have the right, but are not obliged, to inspect your workplaces at any time. Our inspections are not safety inspections. They relate only to the insurability of the workplaces and the premiums to be charged. We may give you reports on the conditions we find. We may also recommend changes. While they may help reduce losses, we do not undertake to perform the duty of any person to provide for the health or safety of your employees or the public. We do not warrant that your workplaces are safe or healthful or that they comply with laws, regulations, codes, or standards. The National Council on Compensation Insurance has the same rights we have under this provision. D. Cancellation 1. You may cancel this policy. You will mail or deliver advance written notice to us, stating when the cancellation is to take effect. 2. We may cancel this policy. We will mail to each named insured at the last known mailing address advance written notice stating when the cancellation is to take effect. We will maintain proof of mailing of the notice of cancellation. A copy of all such notices shall be sent to the broker or agent of record, if known, at the last known mailing address. The broker or agent of record may opt to accept notification electronically. 3. If we cancel because you do not pay all premium when due, we will mail the notice of cancellation at least ten days before the cancellation is to take effect. If we cancel for any other reason, we will mail the notice: G. Audit You will let us examine and audit all your records that relate to this policy. These records include ledgers, journals, registers, vouchers, contracts, tax reports, payroll and disbursement records, and programs for storing and retrieving data. We may conduct the audits during regular business hours during the policy period and within three years after the policy ends. Information developed by audit will be used to determine final premium. The National Council on Compensation Insurance has the same rights we have under this provision. Part Two--Employers Liability Insurance, Section B. (We Will Pay), Item 3. of the policy is replaced by the following: 3. Part Six--Conditions, Section A. (Inspection) of the policy is replaced by the following: Part Six--Conditions, Section D. (Cancellation) of the policy is replaced by the following: a. At least 30 days before the cancellation is to take effect if the policy has been in force for 60 days or less; b. At least 60 days before the cancellation is to take effect if the policy has been in force for 61 days or more. 4. If this policy has been in effect for 60 days or more, we may cancel only for one of the following reasons: a. Nonpayment of premium; b. The policy was issued because of a material misrepresentation; For consequential bodily injury to a party to a civil union, spouse, child, parent, brother or sister of the injured employee; provided that these damages are the direct consequence of bodily injury that arises out of and in the course of the injured employee's employment by you; and This endorsement applies because Illinois is shown in Item 3.A. of the of the Information Page. Part Five--Premium, Section G. (Audit) of the policy is replaced by the following: Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 12 06 01 F (Ed. 01-19) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) WC 12 06 01 F (Ed. 01-19) © Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. Page 2 of 2 Countersigned by Policy Number Endorsement No.: Insured Name:Premium: Insurance Company: Endorsement Date: Policy Number WCN6002889 e. The Director has determined that we no longer have adequate reinsurance to meet our needs; or f. The Director has determined that continuation of coverage could place us in violation of the laws of Illinois. 5. Our notice of cancellation will state our reasons for cancelling. 6. The policy period will end on the day and hour stated in the cancellation notice. F. Nonrenewal 1. We may elect not to renew the policy. We will mail to each named insured the nonrenewal notice at the last known mailing address at least 60 days prior to the expiration of the current policy. We will maintain proof of mailing of the nonrenewal notice. An exact and unaltered copy of such notice will also be sent to the named insured's producer, if known, or the producer of record at the last known mailing address. The named insured's producer, if known, or the producer of record may opt to accept notification electronically. 3. Our notice of nonrenewal will provide a specific explanation on the reasons for not renewing. If we fail to provide the notice of nonrenewal as required, the policy will still terminate on its expiration date if: You notify us or the producer who procured this policy that you do not want the policy renewed; or a. b.You fail to pay all premiums when due; or c.You obtain other insurance as a replacement of the policy. 4. c. You violated any of the terms and conditions of the policy; d. The risk originally accepted has measurably increased; E. Sole Representative The insured first named in item 1 of the Information Page will act on behalf of all insureds to change this policy, receive return premium, or give us notice of cancellation. Part Six--Conditions, Section E. (Sole Representative) of the policy is replaced by the following: Part Six--Conditions of the policy is changed by adding the following: 2. If we fail to give at least 60 days' notice prior to the expiration date of the current policy, the policy will automatically be extended for one year under the same terms and conditions. We may increase the renewal premium, but such increase must be less than 30% of this policy's premium and notice of such increase must be delivered to the named insured on or before the date of expiration of this policy. Additionally, in accordance with 215 ILCS 5/462a, we may be required to provide the named insured with 30 days' written notice prior to the expiration of this policy if the renewal premium is in excess of 5% above the rate recommendation filed with and approved by the Illinois Department of Insurance. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 12 06 03 (Ed. 01-19) © Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. Page 1 of 2 Policy Number WCN6002889 ILLINOIS RENEWAL ENDORSEMENT 1. Part Six--Conditions of the policy is revised by adding the following: This endorsement applies because Illinois is shown in Item 3.A. of the of the Information Page. G. Renewal We may elect to renew the policy in accordance with 215 ILCS 5/143.17a. a. We will provide the named insured with written notice of our intent to renew if, compared to this current policy, the: • Renewal policy premium increases by 30% or more, or • Changes in deductibles or coverage materially alter the renewal policy. b. We will mail or deliver the written renewal notice: • To the named insured at the last known mailing address • At least 60 days prior to the renewal or anniversary date of this current policy. c. If we fail to provide notice 60 days prior to the renewal or anniversary date, but we do mail or deliver the written renewal notice to the named insured not less than 31 days prior to the renewal or anniversary date of this current policy, then we may extend this policy at the current terms and conditions for the period of time needed to equal the 60 day time period required to provide notice of intention to renew. d. All renewal notices will also be sent to the producer, if known, or the producer of record, and to the mortgagee or lien holder listed on the policy. The producer, if known, or the producer of record and the mortgagee or lien holder may opt to accept notification electronically. e. If we fail to provide renewal notice as required above, the policy will automatically be extended for one year under the same terms and conditions. We may increase the renewal premium, but such increase must be less than 30% of this policy's premium and notice of such increase must be delivered to the named insured on or before the date of expiration of this current policy. The increase in premium is based on the known exposure as of the date of the quotation compared to the premium as of the last day of coverage for the current year's policy, annualized. The renewal premium may be subsequently amended to reflect any change in exposure or reinsurance costs not considered in the quotation. f. If we fail to provide the notice of renewal as required, the policy will still terminate on its expiration date if: (1) You notify us or the producer who procured this policy that you do not want the policy renewed; or (2) You fail to pay all premiums when due; or (3) You obtain other insurance as a replacement of the policy. g. Proof of mailing or proof of receipt of the notice of intent to renew to the named insured may be proven by a sworn affidavit by the company as to the usual and customary business practices of mailing notice pursuant to 215 ILCS 5/143.17a or may be proven consistent with Illinois Supreme Court Rule 236. 2. We may elect to conditionally renew the policy in accordance with 215 ILCS 5/462a. a. For policies issued, delivered, amended, or renewed on or after January 1, 2019 (“this policy”) we will provide the employer with written notice of our intent to conditionally renew if, compared to this policy, the renewal premium is in excess of 5% above the rate recommendation filed with and approved by the Illinois Department of Insurance. b. To determine whether the renewal premium is in excess of 5% above the rate recommendation, we will not consider any premium increases generated from the following items: • Increased loss costs • Increased exposure units • The application of an experience rating modification • The application of a contracting classification premium adjustment program • The application of a large deductible program • The application of a retrospective rating plan • An audit of auditable coverages Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 12 06 03 (Ed. 01-19) This endorsement changes the policy to which it is attached and is effective on the date issued unless otherwise stated. (The information below is required only when this endorsement is issued subsequent to preparation of the policy.) WC 12 06 03 (Ed. 01-19) © Copyright 2018 National Council on Compensation Insurance, Inc. All Rights Reserved. Page 2 of 2 Countersigned by Policy Number Endorsement No.: Insured Name:Premium: Insurance Company: Endorsement Date: Policy Number WCN6002889 c. Mailing or delivering such written notice to the employer at least 30 days in advance of the expiration date of this policy, at the address shown in Item 1. of the Information Page, and to the authorized agent or broker will be deemed sufficient notice under this section. d. This conditional renewal notice will include a statement that clearly identifies: (1) The amount of the premium increase or, if the amount cannot reasonably be determined as of the time the notice is provided, a reasonable estimate of the premium increase based on information available to us a the time (2) The reason for the increased premium in excess of the rate recommendation filed with the Illinois Department of Insurance Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Ed. (07-23) WC 99 06 14 A WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 99 06 14 A (Ed. 07-23) Policy Number:WCN6002889 ADDITIONAL POLICY PROVISIONS THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUSINESSOWNERS POLICY COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL LIABILITY UMBRELLA COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE COVERAGE PART WORKERS COMPENSATION COVERAGE PART Encova Mutual Insurance Group, Inc. 471 E. Broad Street Columbus, Ohio 43215 The following additional provisions are added: A. Annual Meeting You, by virtue of this policy, are a member of Encova Mutual Insurance Group, Inc. while this policy is in force and are entitled to one vote at all meetings of the members. The annual meeting of the members of Encova Mutual Insurance Group, Inc. is held at 9:00 am on the fourth Monday in April of each year at the home office of Encova Mutual Insurance Group, Inc. in Columbus, Ohio, for the election of directors and the transaction of such other business as may properly come before the meeting. B. Nonassessable This policy is nonassessable. C. Mutual Rights By acceptance of this policy and payment of the premium, you become a member of Encova Mutual Insurance Group, Inc. and shall be entitled to vote at meetings of the members of Encova Mutual Insurance Group, Inc., but upon cancellation or other termination of this policy, you shall cease to be a member. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 POLICYHOLDER DISCLOSURE NOTICE OF TERRORISM INSURANCE COVERAGE Coverage for acts of terrorism is included in your policy. You are hereby notified that under the Terrorism Risk Insurance Act, as amended in 2015, the definition of act of terrorism has changed. As defined in Section 102(1) of the Act: The term “act of terrorism” means any act or acts that are certified by the Secretary of the Treasury --in consultation with the Secretary of Homeland Security, and the Attorney General of the United States --to be an act of terrorism; to be a violent act or an act that is dangerous to human life, property, or infrastructure; to have resulted in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of a United States mission; and to have been committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Under your coverage, any losses resulting from certified acts of terrorism may be partially reimbursed by the United States Government under a formula established by the Terrorism Risk Insurance Act, as amended. However, your policy may contain other exclusions which might affect your coverage, such as an exclusion for nuclear events. Under the formula, the United States Government generally reimburses 85% through 2015; 84% beginning on January 1, 2016; 83% beginning on January 1, 2017; 82% beginning on January 1, 2018; 81% beginning on January 1, 2019 and 80% beginning on January 1, 2020, of covered terrorism losses exceeding the statutorily established deductible paid by the insurance company providing the coverage. The Terrorism Risk Insurance Act, as amended, contains a $100 billion cap that limits U.S. Government reimbursement as well as insurers' liability for losses resulting from certified acts of terrorism when the amount of such losses exceeds $100 billion in any one calendar year. If the aggregate insured losses for all insurers exceed $100 billion, your coverage may be reduced. The portion of your annual premium that is attributable to coverage for acts of terrorism is $1,204.00 , and does not include any charges for the portion of losses covered by the United States government under the Act. Name of Insurer: SBK Building Restoration LLC Policy Number: WCN6002889 Disclosure No. 2 Terrorism Disclosure Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 The Illinois Contracting Classification Premium Adjustment Program is applicable to qualifying employers engaged in contracting operations and is applicable to policies with effective dates on or after April 1, 1994. In order to qualify for the program, your policy must have more than 50% of manual premium attributable to one or more contracting classifications (as designated by the program) for Illinois operations only and have a calculated experience modification of less than or equal to 1.00. A special premium calculation, which may result in a premium credit for you, will be based on an average hourly wage scale for each classification of contracting operations in Illinois. In order that your premium may be correctly established, please return the completed premium credit application, as set out on the reverse side of these instructions, to: National Council on Compensation Insurance, Inc. ATTN: EXPERIENCE RATING—IL Boca Raton, FL 33487 901 Peninsula Corporate Circle Customer Service Center NCCI will advise us of any premium credit applicable. If NCCI does not receive this application within 180 days after policy inception, your premium calculation will not reflect any possible premium credit. In addition, this application will be returned unprocessed if not completed in its entirety. The information supplied on this application will be confidential. For each applicable classification (both contracting and non-contracting) covering your company’s operations in the state of Illinois, report the total Illinois payroll (excluding overtime premium pay, vacation pay, unanticipated bonuses, pay for any exempt sole proprietor, partner, or officer, David Bacon fringe benefits you pay into any ERISA qualified third party pension plan and other Illinois exclusions) and the corresponding total number of hours worked, for the third calendar quarter (JULY, AUGUST, SEPTEMBER) of the year preceding your policy effecitve date as reported to taxing authorities. Note #1: If you did not engage in contracting operations during the third quarter, the requested information to be provided should then be for the last complete calendar quarter prior to the effective date of your workers compensation policy. Do not include payroll from any state other than Illinois. Note #2: If you have just begun operations in Illinois (no prior operations), and have a calculated experience modification equal to 1.00 or less, submit the requested information for the first complete calendar quarter following the effective date of your workers compensation policy when available, excluding any payroll from any state other than Illinois. Note #3: In the absence of specific records for salaried employees, you should assume that each individual worked forty (40) hours per week. Payroll for non-exempt partners, sole proprietors and officers subject to contracting classifications will be subject to appropriate Basic Manual minimums and maximums or limitations. Do not include payroll for persons not covered by the policy, such as exempt partners, sole proprietors and officers. Note #4: If you do not have a calculated experience modification equal to 1.00 or less and do not have more than 50% of IL manual premium attributable to one or more qualifying contracting classifications, do not complete and submit this application as you are not qualified for this credit program. You must preserve your payroll records that formed the basis for this declaration as we will be required to verify the reported information in order for any premium credit to be applied. Thank you for your cooperation. Sincerely, NorthStone Insurance Company © 2003 National Council on Compensation Insurance, Inc. Form 12-1 (CCPAP) (ED. 05-13) CONFIDENTIAL WORKERS COMPENSATION PREMIUM CREDIT APPLICATION SBK Building Restoration LLC 145 Tower Dr Suite 7 Burr Ridge, IL 60527 ILLINOIS CONTRACTING CLASSIFICATION PREMIUM ADJUSTMENT PROGRAM (ILCCPAP) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 ILLINOIS CONTRACTING CLASSIFICATION PREMIUM ADJUSTMENT PROGRAM CONFIDENTIAL WORKERS COMPENSATION PREMIUM CREDIT APPLICATION SECTION ONE POLICY NUMBER: 2. Did you have operations in Illinois during the third quarter of the prior calendar year? Yes No •If yes, in Section Two below, submit information for the THIRD calendar quarter (July, August, September) of the year PRECEDING the policy effective date as reported to taxing authorities. • Note: If you have just begun operations in Illinois, submit information for the first complete calendar quarter following the effective date of your workers compensation policy. If no, in Section Two below, submit information for the last complete quarter prior to the effective date of your workers compensation policy. Notice: Unless Code(s), total wages paid, total hours worked, calendar quarter reported are indicated and application is signed, the application will be returned unprocessed. Contact your agent or carrier if assistance is desired. No Yes Is this business experience rated 1.00 or less? 1. If no, please do not complete and submit the application. • If yes, provide NCCI risk ID#: • INSURED: CARRIER: SECTION TWO © 2003 National Council on Compensation Insurance, Inc. Form 12-1 (CCPAP) (Ed. 05-13) CLASSIFICATIONS Eligible Contracting Classifications CODE TOTAL ILLINOIS WAGES PAID TOTAL ILLINOIS HOURS WORKED Non-Contracting Classifications: SECTION THREE The above is based on actual wages (excluding overtime premium pay, pay for any exempt sole proprietor, partner, or officer, Davis Bacon fringe benefits, and other Illinois exclusions) and hours worked as reflected in our payroll records for the complete calendar quarter ending ________________________. DATE:POSITION:SIGNATURE: PERIOD FROM: TO: SBK Building Restoration LLC WCN6002889 08/01/2023 08/01/2024 NorthStone Insurance Company Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 WORKERS' COMPENSATION BY LAW, EMPLOYERS MUST DISPLAY THIS NOTICE IN A PROMINENT PLACE IN EACH WORKPLACE AND COMPLETE THE INFORMATION BELOW. Party handling workers' compensation claims NorthStone Insurance Company Business address 400 Quarrier St., Charleston, WV 25301 Business phone 844-362-6821 Effective date 08/01/2023 Termination date 08/01/2024 Policy number WCN6002889 Employer's FEIN 20-2315891 ICPN 10/11 Printed by the authority of the State of Illinois. 2. NOTIFY YOUR EMPLOYER. You must notify your employer of the accidental injury or illness within 45 days, either orally or in writing. To avoid possible delays, it is recommended the notice also include your name, address, telephone number, Social Security number, and a brief description of the injury or illness. 3. LEARN YOUR RIGHTS. Your employer is required by law to report accidents that result in more than three lost work days to the Workers' Compensation Commission. Once the accident is reported, you should receive a handbook that explains the law, benefits, and procedures. If you need a handbook, please call the Commission or go to the Web site. is a system of benefits provided by law to most workers who have job-related injuries or illnesses. Benefits are paid for injuries that are caused, in whole or in part, by an employee's work. This may include the aggravation of a pre-existing condition, injuries brought on by the repetitive use of a part of the body, heart attacks, or any other physical problem caused by work. Benefits are paid regardless of fault. IF YOU HAVE A WORK-RELATED INJURY OR ILLNESS, TAKE THE FOLLOWING STEPS: 1. GET MEDICAL ASSISTANCE. By law, your employer must pay for all necessary medical services required to cure or relieve the effects of the injury or illness. Where necessary, the employer must also pay for physical, mental, or vocational rehabilitation, within prescribed limits. The employee may choose two physicians, surgeons, or hospitals. If the employer notifies you that it has an approved Preferred Provider Program for workers' compensation, the PPP counts as one of your two choices of providers If you must lose time from work to recover from the injury or illness, you may be entitled to receive weekly payments and necessary medical care until you are able to return to work that is reasonably available to you. It is against the law for an employer to harass, discharge, refuse to rehire or in any way discriminate against an employee for exercising his or her rights under the Workers' Compensation or Occupational Diseases Acts. If you file a fraudulent claim, you may be penalized under the law. 4. KEEP WITHIN THE TIME LIMITS. Generally, claims must be filed within three years of the injury or disablement from an occupational disease, or within two years of the last workers' compensation payment, whichever is later. Claims for pneumoconiosis, radiological exposure, asbestosis, or similar diseases have special requirements. Injured workers have the right to reopen their case within 30 months after an award is made if the disability increases, but cases that are resolved by a lump-sum settlement contract approved by the Commission cannot be reopened. Only settlements approved by the Commission are binding. For more information, go to the Illinois Workers' Compensation Commission's Web site or call any office: Toll-free: 866/352-3033 Chicago: 312/814-6611 Peoria: 309/671-3019 Springfield: 217/785-7087 Web site: www.iwcc.il.gov Collinsville: 618/346-3450 Rockford: 815/987-7292 TDD (Deaf): 312/814-2959 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 COMPENSACION A LOS TRABAJADORES Para mas información, visite la Red de la Comisión de Compensación para Trabajadores o llame a nuestras oficinas: Toll-free: 866/352-3033 Chicago: 312/814-6611 Peoria: 309/671-3019 Springfield: 217/785-7087 Web site: www.iwcc.il.gov Collinsville: 618/346-3450 Rockford: 815/987-7292 TDD (Sordo): 312/814-2959 Los trabajadores accidentados tienen derecho para volver a abrir su caso dentro de 30 meses después que la Comisión haya otorgado una decisión y la incapacidad haya incrementado, pero en casos resueltos por una suma global aprobada por la Comisión no pueden volver a abrirse. Unicamente las decisiones aprobadas por la Comisión son obligatorias. 4. MANTENGASE DENTRO DEL LIMITE DE TIEMPO. Usualmente, las quejas deben ser presentadas dentro de los primeros tres años del accidente o incapacidad de una enfermedad profesional, o dentro de dos años del último pago de compensación de trabajo, lo que sea más reciente. Quejas por neumoconiosis, exposición radiológica, asbestos, o enfermedades similares tienen requerimientos especiales. Es contra la ley que el empleador moleste, despida o se niegue a reemplear o de alguna manera discrimine contra un trabajador por ejercitar sus derechos de conformidad con las leyes que rigen el seguro de accidentes de trabajo de enfermedades profesionales. Si usted hace una demanda fraudulenta, podrá ser castigado por la ley. Si usted tiene que faltar al trabajo para recuperarse de la lesión o enfermedad, usted tiene derecho a recibir pagos semanales y atención médica necesaria hasta que este capacitado para regresar a trabajar y que el trabajo este de acuerdo a sus capacidades. 3. CONOZCA SUS DERECHOS. Su empleador por ley debe reportar accidentes que resulten en más de tres días de ausencia al trabajo, a la Comisión de Compensación para Trabajadores. Una vez que el accidente es reportado, usted recibirá un manual que explica la ley, beneficios y procedimientos. Si necesita un manual, por favor llame a la Comisión o visite nuestra red. 2. NOTIFIQUE A SU EMPLEADOR. Usted debe notificar a su empleador del accidente o enfermedad dentro de 45 días, ya sea por escrito o verbalmente. Para evitar posibles demoras, es recomendable que la nota incluya su nombre, direccion, número telefónico, número de Seguro Social, y una breve descripción de la lesión o enfermedad. 1. OBTENGA AYUDA MEDICA. Por ley, su empleador debe pagar por todos los servicios médicos necesarios que se requieran para aliviar los sintomas de lesión o enfermedad. Si es necesario, el empleador debe pagar por rehabilitación física, mental o profesional dentro de los límites establecidos. El trabajador puede escoger dos doctores, cirujanos u Hospitales. Si el empleador le notifica que tiene un programa de proveedor preferido (PPP) aprobado para la compensación de trabajadores, el PPP cuenta como una de las dos opciones de proveedores. SI USTED SUFRE DE UNA LESION O ENFERMEDAD RELACIONADA AL TRABAJO, USTED DEBE TOMAR LAS SIGUIENTES MEDIDAS: es un sistema de beneficios que por ley se provee a la mayoría de trabajadores que se han enfermado o accidentado en el trabajo. Los beneficios son pagados por lesiones que son causadas en parte o completamente por el trabajo del trabajador. Esto puede incluir el agravante o una condición pre-existente, lesiones causadas por uso repetitivo de una parte del cuerpo, ataques cardiacos, o cualquier otro problema físico causado por el trabajo. Los beneficios son pagados sin importar la causa. LOS EMPLEADORES DEBEN EXHIBIR ESTE AVISO EN UN LUGAR VISIBLE PARA TODOS LOS TRABAJADORES Y LLENAR LA INFORMACIÓN REFERENTE A LA COMPAÑIA DE SEGUROS. Nombre: NorthStone Insurance Company Dirección de la Compañía: 400 Quarrier St., Charleston, WV 25301 Teléfono de la Compañía: 844-362-6821 Fecha efectiva: 08/01/2023 Fecha de terminación: 08/01/2024 Número de Póliza: WCN6002889 FEIN del Empleador: 20-2315891 ICPN 10/11 Impreso por la autoridad del Estado de Illinois. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 PN-Privacy 400 Quarrier Street Charleston, West Virginia 25301 304.941.1000 844-362-6821 www.encova.com ENCOVA MUTUAL INSURANCE GROUP PRIVACY NOTICE We are committed to protecting your privacy and earning your trust. We respect your right to keep your personal information confidential and to avoid unwanted solicitations. In order to provide our products and services to you, we must collect, use and share personal information about you. Your privacy is important to us and this Privacy Notice describes our policies and practices to protect your information and how you may control the maintenance and sharing of that information. We may collect personal information about you and members of your household in connection with your transactions with us. The type of information collected may vary depending on the type of products or services you have with us. Information collected may include: · Information provided to us on applications or forms, during conversations with us or our representatives, or when you visit our website; · Information about your transactions with us, our affiliates or others; · Information from third parties such as consumer or other reporting agencies and medical or health care providers. We do not sell or provide any information we gather to third parties who may wish to provide you with information about their products or services. We may, as permitted by law, provide information about you to certain persons or organizations. The types of persons or organizations we may share this information with may include: · Your agent and others who provide our products and services to you; · Persons or organizations that perform professional, business or insurance functions for us; · Insurance support organizations; · Independent claims adjusters; · Regulatory and enforcement authorities. As part of servicing or maintaining your contract, and for other legally permitted purposes, we may disclose your personal information among the affiliated companies of Encova Mutual Insurance Group, including Encova Life Insurance Company. encova.com Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 We maintain physical, electronic and procedural safeguards to protect your personal information and to comply with federal and state laws. We have controls that restrict access to personal information about you to our associates and others who may need to know that information to provide products or services to you. In addition, we review our policies and practices, monitor our computer networks, and test the strength of our security. You have the right to review the recorded personal information about you contained in our files and to obtain a copy. You have the further right to request that we correct, amend or delete any inaccurate information. If, after reading this notice, you have questions about our privacy practices or the information contained in our files about you, please contact us at: Encova Mutual Insurance Group 471 E. Broad St. Columbus, OH 43215 This Privacy Notice applies to the companies of Encova Mutual Insurance Group. Encova Mutual Insurance Group includes, but is not limited to: Motorists Mutual Insurance Company, Motorists Commercial Mutual Insurance Company, MICO Insurance Company, Encova Life Insurance Company, BrickStreet Mutual Insurance Company, SummitPoint Insurance Company, PinnaclePoint Insurance Company, NorthStone Insurance Company, AlleghenyPoint Insurance Company, Consumers Insurance USA, Inc., Iowa Mutual Insurance Company, Iowa American Insurance Company, IMARC, LLC, Phenix Mutual Fire Insurance Company, Wilson Mutual Insurance Company, Encova Service Corporation, Encova Realty, LLC, Broad Street Brokerage Insurance Agency, LLC, Encova Insurance Agency, Inc., Encova Foundation of Ohio and Encova Foundation of West Virginia. Updated as of: 01/01/2021 PN-Privacy 400 Quarrier Street Charleston, West Virginia 25301 304.941.1000 844-362-6821 www.encova.com encova.com Encova's name and logo are the registered marks of Encova Mutual Insurance Group. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Workers Compensation and Employers Liability Insurance Policy WC 99 06 04 A (07-20) Issuing Office:Charleston, WV Issue Date:05/03/2024 Policy Number: WCN6002889 Named Insured:SBK Building Restoration LLC Agency Name:Alliant Insurance Services Inc Schedule of Named Insureds Insured Name NJTIN SBK Building Restoration LLC All-Bry Construction Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 1 of 3 175 Berkeley Street IRONSHORE SPECIALTY INSURANCE COMPANY Boston, MA 02116 Toll Free: (877) IRON411 CONTRACTORS ENVIRONMENTAL LEGAL LIABILITY (CELL) DECLARATIONS Policy Number:ICELLUW00157203 Renewal of Policy Number:New Item 1. Named Insured & Mailing Address: All-Bry Construction Company 145 Tower Drive Ste 7 Burr Ridge, IL 60527 Item 2. Broker & Mailing Address: CRC INSURANCE SERVICES, INC. 13737 Noel Road 10th Floor Dallas, TX 75240 Item 3. Policy Period: Effective:December 10, 2023 Expiration:December 10, 2024 12:01 a.m. time at your mailing address shown above. Item 4. Limits Of Insurance And Deductible:LIMIT DEDUCTIBLE Each Occurrence Limit – Coverage A: Contractors Pollution Liability $1,000,000 $10,000 Each Occurrence Limit – Coverage B: Pollution Liability during Transportation $1,000,000 $10,000 Each Occurrence Limit – Coverage C: Non-Owned Site Pollution Liability $1,000,000 $10,000 Each Occurrence Limit – Coverage D: Time-Element Pollution Liability Not Offered N/A Each Occurrence Limit – Coverage E: Image Restoration Expenses $250,000 $10,000 Image Restoration Expenses Aggregate Limit $250,000 N/A Each Occurrence Limit – Coverage F: Disinfection Event Expenses $25,000 $25,000 Disinfection Event Expenses Aggregate Limit $25,000 N/A Each Occurrence Limit – Coverage G: Pre-Claim Event Expenses $250,000 $10,000 Pre-claim Event Expenses Aggregate Limit $250,000 N/A Policy Aggregate Limit $1,000,000 N/A IE.DEC.CELL.001 (0718) Includes copyrighted material of Insurance Services Offices, Inc. with its permission. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 2 of 3 Item 5. Form of Business: ☐Individual ☐ Partnership ☐ Joint Venture ☐ Trust ☐ Limited Liability Company ☒Organization, Including a Corporation (But not including a Partnership, Joint Venture, or Limited Liability Company) Item 6. Policy Premium:$8,771 Premium for Acts of Terrorism (TRIA):Not Purchased Total Premium (Including TRIA) :$8,771 Compliance with all surplus lines placement requirements, including stamping the Policy and collection and payment of surplus lines taxes, is the responsibility of the broker. Item 7. Minimum Earned Premium: 25% Item 8. Policy Coverage Form:IE.COV.CELL.001 (07/18) Contractors Environmental Legal Liability (CELL) Endorsements:See SCHEDULE OF ENDORSEMENTS Item 9. Covered Property:Not Offered PRESIDENT Matthew P. Dolan SECRETARY Damon Hart IE.DEC.CELL.001 (0718) Includes copyrighted material of Insurance Services Offices, Inc. with its permission. Summary of Charges Premium $8,771.00 Policy Fee $500.00 IL Surplus Lines Tax $307.00 IL Stamping Office Fee $4.00 Total $9,582.00 Zip Code 60527 "This contract is issued, pursuant to Section 445 of the Illinois Insurance Code by a company not authorized and licensed to transact business in Illinois and as such is not covered by the Illinois Insurance Guaranty Fund. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 3 of 3 Named Insured:All-Bry Construction Company Policy Number:ICELLUW00157203 Effective 12:01 AM:December 10, 2023 SCHEDULE OF ENDORSEMENTS Endorsement number - Form Number – Edition Date – Form Name 1. SC-3 (11/18) Service of Suit Clause - Illinois 2. IE.PN.ALL.002 (10/19) Notice of Claim 3. IE.END.ALL.002 (04/09) Terrorism Exclusion 4. ADM-OFAC-0419 Sanction Limitation and Exclusion Clause 5. IE.END.CELL.030 (0618) Claims Made Provision IE.DEC.CELL.001 (0718) Includes copyrighted material of Insurance Services Offices, Inc. with its permission. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 1 of 1 IRONSHORE SPECIALTY INSURANCE COMPANY 175 Berkeley Street Boston, MA 02116 Toll Free: (877) IRON411 Endorsement # 1 Policy Number:ICELLUW00157203 Effective Date of Endorsement: December 10, 2023 Insured Name:All-Bry Construction Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SERVICE OF SUIT CLAUSE – ILLINOIS This endorsement modifies insurance provided under the following: ALL COVERAGE PARTS IN THIS POLICY Ironshore Specialty Insurance Co. hereby appoints the Superintendent, Commissioner or Director of Insurance or other officer specified for that purpose in the statute or his successor or successors in office, as the agent upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the Insured or any beneficiary hereunder arising out of this contract of insurance. A copy of any process, “suit”, complaint or summons may be made upon the Office of the General Counsel, North America Specialty, Liberty Mutual Insurance, C/O Ironshore Specialty Insurance Co., 175 Berkeley Street, Boston, MA 02116. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS OF THIS POLICY REMAIN UNCHANGED. SC-3 (11/18) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 1 of 1 IRONSHORE SPECIALTY INSURANCE COMPANY 175 Berkeley Street Boston, MA 02116 Toll Free: (877) IRON411 Endorsement # 2 Policy Number:ICELLUW00157203 Effective Date of Endorsement: December 10, 2023 Insured Name:All-Bry Construction Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CLAIM AND NOTICE REPORTING Subject to the claims and notice reporting provisions within the policy, claim and notice reports may be given in writing via: POSTAL SERVICE to: Ironshore Environmental Claims CSO 28 Liberty Street, 5th Floor New York, NY 10005 E-MAIL to: USClaims@ironshore.com FAX to: 646-826-6601 By phone via: 24 Hour Claims Phone Number: (888) 292-0249 ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS OF THIS POLICY REMAIN UNCHANGED. IE.PN.ALL.002 (10/19)Includes copyrighted material of Insurance Services, Inc. with its permission. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 1 of 1 IRONSHORE SPECIALTY INSURANCE COMPANY 175 Berkeley Street Boston, MA 02116 Toll Free: (877) IRON411 Endorsement # 3 Policy Number:ICELLUW00157203 Effective Date of Endorsement: December 10, 2023 Insured Name:All-Bry Construction Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. TERRORISM EXCLUSION This endorsement modifies insurance provided under the following: SITE POLLUTION INCIDENT LEGAL LIABILITY SELECT (SPILLS) CONTRACTORS ENVIRONMENTAL LEGAL LIABILITY (CELL) ENVIRONMENTAL PROTECTIVE INSURANCE COVERAGE PACKAGE (EPIC PAC) ENVIRONMENTAL EXCESS LIABILITY It is hereby agreed that the policy is amended as follows 1.The following Exclusion is added: This insurance does not apply to: TERRORISM Any injury or damage arising, directly or indirectly, out of terrorism 2.For the purposes of this endorsement, the following definitions are added: Any injury or damage means any injury or damage covered under the policy and includes but is not limited to bodily injury, property damage, environmental damage, remediation expense, emergency response expense, personal and advertising injury, negligent acts, errors or omissions or professional incident as may be defined in the policy. Terrorism means a violent act or an act that is dangerous to human life, property or infrastructure that is committed by an individual or individuals and that appears to be part of an effort to coerce a civilian population or to influence the policy or affect the conduct of any government by coercion. Terrorism includes an act certified by the Secretary of the Treasury, in concurrence with the Secretary of State and the Attorney General of the United States, to be an act of terrorism pursuant to the federal Terrorism Risk Insurance Act. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS OF THIS POLICY REMAIN UNCHANGED. IE.END.ALL.002 (04/09)Includes copyrighted material of Insurance Services Offices, Inc. with its permission. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 1 of 1 IRONSHORE SPECIALTY INSURANCE COMPANY 175 Berkeley Street Boston, MA 02116 Toll Free: (877) IRON411 Endorsement # 4 Policy Number:ICELLUW00157203 Effective Date of Endorsement: December 10, 2023 Insured Name:All-Bry Construction Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SANCTION LIMITATION AND EXCLUSION CLAUSE No Insurer shall be deemed to provide cover and no Insurer shall be liable to pay any claim or provide any benefit hereunder to the extent that the provision of such cover, payment of such claim or provision of such benefit would expose that Insurer to any sanction, prohibition or restriction under United Nations resolutions or the trade or economic sanctions, laws or regulations of the European Union, United Kingdom or United States of America. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS OF THIS POLICY REMAIN UNCHANGED. ADM-OFAC-0419 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 1 of 3 IRONSHORE SPECIALTY INSURANCE COMPANY 175 Berkeley Street Boston, MA 02116 Toll Free: (877) IRON411 Endorsement # 5 Policy Number:ICELLUW00157203 Effective Date of Endorsement: December 10, 2023 Insured Name:All-Bry Construction Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CLAIMS MADE PROVISION This endorsement modifies insurance provided under the following: CONTRACTORS ENVIRONMENTAL LEGAL LIABILITY (CELL) It is hereby agreed that the policy to which this Endorsement is attached is amended as follows: A.SECTION I – COVERAGES, COVERAGE SPECIFIC INSURING AGREEMENTS, Coverages A, B, and C are deleted in their entirety and replaced with the following: Coverage A: Contractors Pollution Liability 1.We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury, property damage or environmental damage to which this insurance applies arising out of a pollution incident caused by your work but only if: a.The bodily injury, property damage or environmental damage is caused by an occurrence that takes place in the coverage territory; b.The bodily injury, property damage or environmental damage did not occur before the Retroactive Date of 12/10/2011 or after the end of the policy period; and c.A claim for damages because of the bodily injury, property damage or environmental damage is first made against any insured, in accordance with Paragraph 2. of the COMMON INSURING AGREEMENT below, during the policy period. 2.We will pay emergency response expense incurred by or on behalf of any insured in response to an imminent and substantial threat to human health or the environment arising out of a pollution incident caused by your work but only if: a.The pollution incident first commenced during the policy period; b.The pollution incident takes place in the coverage territory; c.The emergency response expenses are incurred within seven (7) days of first commencement of the pollution incident; and d.The pollution incident and related emergency response expenses are reported to us within twenty-one (21) days of first commencement of the pollution incident. Coverage B: Pollution Liability During Transportation 1.We will pay those sums that the insured becomes legally obligated to pay as damages to which this insurance applies because of: IE.END.CELL.030 (0618) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 2 of 3 a.Bodily injury, property damage or environmental damage arising out of a pollution incident during transportation; or b.Bodily injury, property damage or environmental damage arising out of misdelivery during transportation; But only if: (1)The bodily injury, property damage or environmental damage is caused by an occurrence that takes place in the coverage territory; (2)The bodily injury, property damage or environmental damage did not occur before the Retroactive Date of 12/10/2011; and (3)A claim for damages because of the bodily injury, property damage or environmental damage is first made against any insured, in accordance with Paragraph 2. of the COMMON INSURING AGREEMENT below, during the policy period. 2.We will pay emergency response expense incurred by or on behalf of any insured in response to an imminent and substantial threat to human health or the environment arising out of a pollution incident during transportation or misdelivery during transportation but only if: a.The pollution incident or misdelivery first commenced during the policy period; b.The pollution incident or misdelivery takes place in the coverage territory; c.The emergency response expenses are incurred within seven (7) days of first commencement of the pollution incident or misdelivery; and d.The pollution incident or misdelivery and related emergency response expenses are reported to us in writing within twenty-one (21) days of first commencement of the pollution incident or misdelivery. Coverage C: Non-Owned Site Pollution Liability We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury, property damage or environmental damage to which this insurance applies arising out of a pollution incident on, at, under or migrating from any non-owned site but only if: a.The bodily injury, property damage or environmental damage is caused by an occurrence that takes place in the coverage territory; b.The bodily injury, property damage or environmental damage did not occur before the Retroactive Date of 12/10/2011; and c.A claim for damages because of the bodily injury, property damage or environmental damage is first made against any insured, in accordance with Paragraph 2. of the COMMON INSURING AGREEMENT below, during the policy period. B.SECTION I – COVERAGES, COMMON INSURING AGREEMENTS, is deleted in its entirety and replaced with the following: COMMON INSURING AGREEMENTS The following insuring agreements apply to Coverages A through G inclusive: 1.We will have the right and duty to defend the insured against any suit seeking damages for bodily injury, property damage or environmental damage to which any of Coverages A through G applies. However, we will have no duty to defend the insured against any suit seeking damages to which any of those coverages does not apply. We may, at our discretion, investigate any occurrence and settle any claim or suit that may result. But: a.The amount we will pay for damages is limited as described in SECTION III - LIMITS OF INSURANCE AND DEDUCTIBLE; b.Our right and duty to defend end when we have used up the applicable limits of insurance in the payment of judgments, settlements, clean-up costs, emergency response expenses, image restoration event expenses, disinfection event expenses or pre-claim event expenses; and c.No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS. IE.END.CELL.030 (0618) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Page 3 of 3 2.A claim by a person or organization seeking damages will be deemed to have been made when notice of such claim is received and recorded by any insured or by us, whichever comes first. All claims for damages because of bodily injury to the same person, including damages claimed by any person or organization for care, loss of services, or death resulting at any time from the bodily injury, will be deemed to have been made at the time the first of those claims is made against any insured. All claims for damages of property damage or environmental damage causing loss to the same person or organization will be deemed to have been made at the time the first of those claims is made against any insured. ALL OTHER TERMS, CONDITIONS AND EXCLUSIONS OF THIS POLICY REMAIN UNCHANGED. IE.END.CELL.030 (0618) Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 IRONSHORE SPECIALTY INSURANCE COMPANY 175 Berkeley Street Boston, MA 02116 Toll Free: (877) IRON411 Insured Name: All-Bry Construction Company Policy Number: ICELLUW00157203 CONTRACTORS ENVIRONMENTAL LEGAL LIABILITY (CELL) TABLE OF CONTENTS PAGE SECTION I – COVERAGES 2 COVERAGE SPECIFIC INSURING AGREEMENTS 2 COVERAGE PART I – Coverage Specific Insuring Agreements and Exclusions 2 Coverage A: Contractors Pollution Liability 2 Coverage B: Pollution Liability during Transportation 2 Coverage C: Non-Owned Site Pollution Liability 3 Coverage D: Time-Element Pollution Liability 3 Coverage E: Image Restoration Expenses 3 Coverage F: Disinfection Event Expenses 4 Coverage G: Pre-Claim Event Expenses 4 COMMON INSURING AGREEMENTS 4 SUPPLEMENTARY PAYMENTS 5 COMMON EXCLUSIONS 6 SECTION II – WHO IS AN INSURED 9 SECTION III – LIMITS OF INSURANCE AND DEDUCTIBLE 10 SECTION IV – CONDITIONS 11 SECTION V – DEFINITIONS 16 IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 1 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 CONTRACTORS ENVIRONMENTAL LEGAL LIABILITY (CELL) COVERAGE FORM Various provisions in this policy restrict coverage. Please read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words “you” and “your” refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words “we”, “us” and “our” refer to the Company providing this insurance. The word “insured” means any person or organization qualifying as such under SECTION II – WHO IS AN INSURED. Defined terms, other than headings, appear in bold face type. Refer to SECTION V - DEFINITIONS. SECTION I - COVERAGES COVERAGE SPECIFIC INSURING AGREEMENTS Coverage A: Contractors Pollution Liability 1.We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury, property damage or environmental damage to which this insurance applies arising out of a pollution incident caused by your work but only if: a.The bodily injury, property damage or environmental damage is caused by an occurrence that takes place in the coverage territory; and b.The bodily injury, property damage or environmental damage takes place during the policy period. 2.We will pay emergency response expenses incurred by or on behalf of any insured in response to an imminent and substantial threat to human health or the environment arising out of a pollution incident caused by your work but only if: a.The pollution incident first commenced during the policy period; b.The pollution incident takes place in the coverage territory; c.The emergency response expenses are incurred within seven (7) days of first commencement of the pollution incident; and d.The pollution incident and related emergency response expenses are reported to us within twenty-one (21) days of first commencement of the pollution incident. Coverage B: Pollution Liability During Transportation 1.We will pay those sums that the insured becomes legally obligated to pay as damages to which this insurance applies because of: a.Bodily injury, property damage or environmental damage arising out of a pollution incident during transportation; or b.Bodily injury, property damage or environmental damage arising out of misdelivery during transportation; But only if: (1)The bodily injury, property damage or environmental damage is caused by an occurrence that takes place in the coverage territory; and (2)The bodily injury, property damage or environmental damage takes place during the policy period. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 2 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 2.We will pay emergency response expenses incurred by or on behalf of any insured in response to an imminent and substantial threat to human health or the environment arising out of a pollution incident during transportation or misdelivery during transportation but only if: a.The pollution incident or misdelivery first commenced during the policy period; b.The pollution incident or misdelivery takes place in the coverage territory; c.The emergency response expenses are incurred within seven (7) days of first commencement of the pollution incident or misdelivery; and d.The pollution incident or misdelivery and related emergency response expenses are reported to us in writing within twenty-one (21) days of first commencement of the pollution incident or misdelivery. Coverage C: Non-Owned Site Pollution Liability We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury, property damage or environmental damage to which this insurance applies arising out of a pollution incident on, at, under or migrating from any non-owned site but only if: a.The bodily injury, property damage or environmental damage is caused by an occurrence that takes place in the coverage territory; and b.The bodily injury, property damage or environmental damage takes place during the policy period. Coverage D: Time-Element Pollution Liability 1.We will pay those sums that the insured becomes legally obligated to pay as damages because of bodily injury, property damage or environmental damage to which this insurance applies arising out of a time-element pollution incident on, at, under or migrating from any covered property but only if: a.The bodily injury, property damage or environmental damage is caused by an occurrence that takes place in the coverage territory; b.The bodily injury, property damage or environmental damage takes place during the policy period; c.The insured discovers the pollution incident within ten (10) days of first commencement of the pollution incident; and d.The pollution incident is reported to us in writing within thirty (30) days of first commencement of the pollution incident. 2.We will pay emergency response expenses incurred by or on behalf of any insured in response to an imminent and substantial threat to human health or the environment arising out of a time-element pollution incident on, at, under or migrating from any covered property but only if: a.The pollution incident first commenced during the policy period; b.The pollution incident takes place in the coverage territory; c.The emergency response expenses are incurred within seven (7) days of first commencement of the pollution incident; and The pollution incident and related emergency response expenses are reported to us within twenty-one (21) days of first commencement of the pollution incident. Coverage E: Image Restoration Expenses We will pay image restoration expenses incurred by or on behalf of you that directly result from an image restoration event arising out of a pollution incident caused by your work, during transportation or misdelivery during transportation on, at, under or migrating from any covered property or non-owned site but only if: a. The pollution incident giving rise to the image restoration expenses first commenced during the policy period; IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 3 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 b. The pollution incident giving rise to the image restoration expenses takes place in the coverage territory; and c. The image restoration expenses are incurred by or on behalf of you within fourteen (14) days of the first newspaper or magazine publication or television news broadcast alleging responsibility by you for such pollution incident giving rise to the image restoration event and within thirty (30) days of the first commencement of such pollution incident. Coverage F: Disinfection Event Expenses We will pay disinfection expenses incurred by or on behalf of any insured arising from a disinfection event caused by your work but only if: a.The disinfection event first commenced during the policy period; b.The disinfection event takes place in the coverage territory; c.The disinfection expenses are incurred within fourteen (14) days of first commencement of the disinfection event; and d. The disinfection event is reported to us within fourteen (14) days of first commencement of the disinfection event. Coverage G: Pre-Claim Event Expenses We will pay pre-claim event expenses incurred by or on behalf of any insured arising from a pre-claim event caused by your work but only if: a.The pre-claim event first commenced and is reported to us during the policy period; and b.The pre-claim event takes place in the coverage territory. COMMON INSURING AGREEMENTS The following insuring agreements apply to Coverages A through G inclusive: 1.We will have the right and duty to defend the insured against any suit seeking damages for bodily injury, property damage or environmental damage to which any of Coverages A through G applies. However, we will have no duty to defend the insured against any suit seeking damages to which any of those coverages do not apply. We may, at our discretion, investigate any occurrence and settle any claim or suit that may result. But: a.The amount we will pay for damages is limited as described in SECTION III - LIMITS OF INSURANCE AND DEDUCTIBLE; b.Our right and duty to defend ends when we have used up the applicable limits of insurance in the payment of judgments, settlements, clean-up costs, emergency response expenses, image restoration expenses, disinfection event expenses or pre-claim event expenses; and c.No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under SUPPLEMENTARY PAYMENTS. 2.Bodily injury, property damage or environmental damage will be deemed to have been known to have occurred at the earliest time when any responsible executive: a.Reports all, or any part, of the bodily injury, property damage or environmental damage to us or any other insurer; b.Receives a written or verbal demand or claim for damages because of the bodily injury, property damage or environmental damage; or c.Becomes aware by any other means that bodily injury, property damage or environmental damage has occurred or has begun to occur. 3.The following applies to progressive or indivisible bodily injury, property damage or environmental damage, including any continuation, change or resumption of such bodily injury, property damage or environmental damage, which takes place over a period of days, weeks, months or longer caused by continuous or repeated exposure to the same, related or continuous pollution incident: a.Such bodily injury, property damage or environmental damage shall be deemed to have taken place only on the IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 4 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 date of first exposure to such pollution incident; or b.Such bodily injury, property damage or environmental damage shall be deemed to have taken place during the policy period of the first policy issued by us or by our affiliate(s) to you providing coverage substantially the same as that provided by this policy for bodily injury, property damage or environmental damage that takes place during the policy period, but only if: (1)The date of first exposure cannot be determined or is before the effective date of the first policy issued by us or by our affiliate(s) to you providing coverage substantially the same as that provided by this policy for bodily injury, property damage or environmental damage that takes place during the policy period; and (2)Such bodily injury, property damage or environmental damage continues, in fact, to take place during this policy period. 4.If the same, related or continuous pollution incident results in bodily injury, property damage or environmental damage that takes place during the policy periods of different policies issued by us or by our affiliate(s) to you providing coverage substantially the same as that provided by this policy for bodily injury, property damage or environmental damage that takes place during the policy period: a.All such bodily injury, property damage and environmental damage shall be deemed to have taken place only during the first policy period of such policies in which any of the bodily injury, property damage or environmental damage took place; and b.All damages arising from all such bodily injury, property damage or environmental damage shall be deemed to have arisen from one occurrence and shall be subject to the Each Occurrence Limit applicable to the policy for such first policy period. 5.Damages because of bodily injury include damages claimed by any person or organization for care, loss of services or death resulting at any time from the bodily injury. SUPPLEMENTARY PAYMENTS 1.We will pay, with respect to any claim we investigate or settle, any suit against an insured we defend or any emergency response expenses incurred by or on behalf of any insured: a.All expenses we incur. b.All attorneys’ fees or attorneys’ expenses incurred by the insured in connection with emergency response expenses. c.All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or suit, including actual loss of earnings up to $500 a day because of time off from work. d.All court costs taxed against the insured in the suit. However, these payments do not include attorneys’ fees or attorneys’ expenses taxed against the insured. e.Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. f.All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2.If we defend an insured against a suit and an indemnitee of the insured is also named as a party to the suit, we will defend that indemnitee if all of the following conditions are met: a.The suit against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an insured contract; b.This insurance applies to such liability assumed by the insured; c.The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 5 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 the same insured contract; d.The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee; e.The indemnitee and the insured ask us to conduct and control the defense of the indemnitee against such suit and agree that we can assign the same counsel to defend the insured and the indemnitee; and f.The indemnitee: (1)Agrees in writing to: (a)Cooperate with us in the investigation, settlement or defense of the suit; (b)Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the suit; (c)Notify any other insurer whose coverage is available to the indemnitee; (d)Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (2)Provides us with written authorization to: (a)Obtain records and other information related to the suit; and (b)Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as SUPPLEMENTARY PAYMENTS. Notwithstanding the provisions of COMMON EXCLUSIONS, Exclusion 1. Contractual Liability, Paragraph b., such payments will not be deemed to be damages for bodily injury, property damage and environmental damage and will not reduce the limits of insurance. Our obligation to defend an insured’s indemnitee and to pay for attorneys' fees and necessary litigation expenses as SUPPLEMENTARY PAYMENTS ends when we have used up the applicable limit of insurance in the payment of judgments or settlements; or the conditions set forth above, or the terms of the agreement described in Paragraph f. above, are no longer met. COMMON EXCLUSIONS: The insurance does not apply to: 1.Contractual Liability Bodily injury, property damage or environmental damage for which the insured 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: a.That the insured would have in the absence of the contract or agreement; or b.Assumed in a contract or agreement that is an insured contract, provided the bodily injury, property damage or environmental damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an insured contract, reasonable attorneys’ fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of bodily injury, property damage or environmental damage, provided: (1)Liability to such party for, or for the cost of, that party’s defense has also been assumed in the same insured contract; and (2)Such attorneys’ fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. 2.Criminal Fines, Penalties and Assessments Any criminal fines, criminal penalties or criminal assessments. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 6 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 3.Damage to Conveyance Property damage to any conveyance utilized during transportation. This exclusion does not apply to claims made by third-party carriers for such property damage arising from the insured’s negligence. 4.Damage to Property Property damage or environmental damage to property you own or occupy including any costs or expenses incurred by you, or any other person, organization or entity, for repair, remediation, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another’s property. Solely as respects environmental damage, this exclusion does not apply to Coverage D: Time-Element Pollution Liability. 5.Damage to Your Work Property damage or environmental damage to that particular part of any property on which you are performing your work if the property damage or environmental damage arises out of your work. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. 6.Employer's Liability Bodily injury to: a.An employee of the insured, arising out of and in the course of employment by the insured or performing duties related to the conduct of the insured's business; or b.Any person whose right to assert a claim against the insured arises by reason of any employment, blood, marital, or any other relationship with the insured or its parent, subsidiary or affiliate. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the insured under an insured contract. 7.Expected or Intended Injury or Damage Bodily injury, property damage or environmental damage expected or intended from the standpoint of a responsible executive. 8.Known Injury or Damage Bodily injury, property damage, environmental damage, image restoration event, disinfection event or pre-claim event that occurred in whole or in part prior to the policy period and was known prior to the policy period by a responsible executive. Any continuation, change or resumption of such bodily injury, property damage, environmental damage, image restoration event, disinfection event or pre-claim event will be deemed to have been known by a responsible executive prior to the policy period. This exclusion does not apply to any continuation, change or resumption of environmental damage caused by your work performed after the effective date of the policy period. 9.Naturally Present Pollutants Property damage or environmental damage arising out of pollutants at levels naturally present where the environmental damage or property damage occurs. However, this exclusion does not apply: a.To clean-up costs required by environmental laws governing the liability or responsibilities of an insured to respond to a pollution incident; or b.If such damage is a result of an unexpected or unintended pollution incident arising from your work. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 7 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 10.Noncompliance Bodily injury, property damage, environmental damage, image restoration event, disinfection event or pre-claim event that results from or are associated with a responsible executive’s intentional disregard of, or deliberate, knowing, willful or dishonest noncompliance with any environmental law, including but not limited to the failure to comply with any regulation applicable to air emissions or effluent discharges, or any other statute, regulation, ordinance, order, administrative complaint, notice of violation, notice letter, or instruction by or on behalf of any governmental agency or representative or other federal, state, local or other applicable legal requirement. However, this exclusion shall not apply to noncompliance based upon: a.Good faith reliance upon written advice of qualified counsel received in advance of such noncompliance; or b.Reasonable efforts to mitigate a pollution incident that necessitates immediate action, provided that such pollution incident is reported to us in writing within twenty-one (21) days of its first commencement. 11.Nuclear Material Bodily injury, property damage or environmental damage based upon or arising out of the radioactive, toxic or explosive properties of nuclear material and with respect to which the insured is: a.Required to maintain financial protection pursuant to the Atomic Energy Act of 1954; b.Entitled to indemnity from the United States of America or any agency thereof; or c.An insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of limits. 12.Prior Pollutants or Pollution Incident Bodily injury, property damage or environmental damage arising out of (i) pollutants or a pollution incident resulting from your work, (ii) pollutants or a pollution incident on, at, under or migrating from any covered property or non- owned site or (iii) pollutants or a pollution incident during transportation or misdelivery during transportation, known to a responsible executive prior to the effective date of the policy period. This exclusion does not apply if: a.The pollutants or pollution incident giving rise to the bodily injury, property damage or environmental damage is specifically referenced, or identified on a Prior Pollutants or Pollution Incident Exclusion Amendment Endorsement attached to this policy; or b.We have been notified in writing of a claim arising from such pollution incident giving rise to bodily injury, property damage or environmental damage during the policy period of a policy previously issued by us. 13.War Bodily injury, property damage, environmental damage, image restoration event, disinfection event or pre-claim event however caused, arising, directly or indirectly, out of: a.War, including undeclared or civil war; b.Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c.Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. 14.Workers Compensation and Similar Laws Any obligation of the insured under a workers compensation, disability benefits or unemployment compensation law or any similar law. 15.Your Product IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 8 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Bodily injury, property damage or environmental damage based upon or arising out of your product after you have relinquished possession of the same, except if installed as part of your work. 16.Asbestos and Lead Solely with respects to Coverage D: Time-Element Pollution Liability, environmental damage arising from asbestos, asbestos containing materials or lead-based paint in, on or applied to any building or other structure. a.This exclusion does not apply to clean-up costs for the remediation of soil, surface water or groundwater. b.This exclusion does not apply to clean-up costs to remediate asbestos, asbestos containing materials or lead-based paint within any structure that has been inadvertently displaced and such clean-up costs are the direct result of a pollution incident which first commences during the policy period and arises from explosion, fire, lightning, Flood or windstorm damage, provided that: (1) The insured discovers the pollution incident within ten (10) days of first commencement of the pollution incident; (2) The pollution incident is reported to us in writing within thirty (30) days of first commencement of the pollution incident; and (3) Subject to Section III. LIMITS OF INSURANCE AND DEDUCTIBLE, Paragraphs 1. through 9., the most we will pay for clean-up costs, regardless of the number of insureds, covered properties, pollution incidents, claims or claimants, pursuant to the exception contained in this Paragraph shall not exceed $100,000. SECTION II - WHO IS AN INSURED 1.If you are designated in the Declarations as: a.An individual, you and your spouse are insureds, but only with respect to the conduct of a business of which you are the sole owner. b.A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c.A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d.An organization other than a partnership, joint venture or limited liability company, you are an insured. Your executive officers and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e.A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2.Each of the following is also an insured: a.Your volunteer workers only while performing duties related to the conduct of your business, or your employees, other than either your executive officers (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these employees or volunteer workers are insureds for: (1)Bodily injury: (a)To you, to your partners or members (if you are a partnership or joint venture) or to your members (if you are a limited liability company); or (b)For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1) (a) above. (2)Property damage or environmental damage to property owned, occupied or used by rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by you, any of your IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 9 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 employees, volunteer workers, any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b.Any person or organization having proper temporary custody of your property if you die, but only with respect to liability arising out of the maintenance or use of that property and until your legal representative has been appointed. c.Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this policy. d.Any person or organization you agree to include as an insured in a written contract, written agreement or permit, but only with respect to bodily injury, property damage or environmental damage arising out of your work. e.Any person or organization that has at least a 50% controlling interest in you but only with respect to bodily injury, property damage or environmental damage arising out of their financial control of you. f.A joint venture to which you are a party, but only to the extent of your participation in such joint venture. SECTION III - LIMITS OF INSURANCE AND DEDUCTIBLE 1.The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a.Insureds; b.Claims made or suits brought; c.Persons or organizations making claims or bringing suits; d.Pollution incidents; e.Image restoration events; f.Disinfection events; or g.Pre-claim events. 2.The Policy Aggregate Limit is the most we will pay for the sum of all damages, emergency response expenses, image restoration expenses, disinfection event expenses and pre-claim event expenses under Coverages A through G inclusive. 3.Subject to Paragraph 2. above, the Each Occurrence Limit is the most we will pay for the sum of all damages, emergency response expenses, image restoration expenses, disinfection event expenses and pre-claim event expenses under Coverages A through G inclusive arising out of any one occurrence. 4.The limit of insurance applies in excess of the deductible amount shown in the Declarations. The deductible amount applies to the sum of all damages, emergency response expenses and legal and claims expense payments because of bodily injury, property damage and environmental damage arising out of any one occurrence. We may pay any part or the entire deductible amount to effect settlement of any claim or suit or to pay clean-up costs or emergency response expenses which may be covered under this policy and, upon notification of the action taken, you shall promptly reimburse us for such part of the deductible amount as has been paid by us. 5.The Image Restoration Expense Aggregate Limit is the most we will pay for the sum of all image restoration expenses. Subject to the Image Restoration Expenses Aggregate Limit, the Image Restoration Expenses Each Occurrence Limit is the most we will pay for all image restoration expenses arising out of the same, related or continuous image restoration event. The Image Restoration Expenses Each Occurrence Limit applies in excess of the deductible amount shown in the Declarations. 6.The Disinfection Event Expenses Aggregate Limit is the most we will pay for the sum of all disinfection event expenses. Subject to the Disinfection Event Expenses Aggregate Limit, the Disinfection Event Expenses Each Occurrence Limit is the most we will pay for disinfection event expenses arising out of the same, related or continuous disinfection event. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 10 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 The Disinfection Event Expenses Each Occurrence Limit applies in excess of the deductible amount shown in the Declarations. 7.The Pre-Claim Event Expenses Aggregate Limit is the most we will pay for the sum of all pre-claim event expenses. Subject to the Pre-Claim Event Expenses Aggregate Limit, the Pre-Claim Event Expenses Each Occurrence Limit is the most we will pay for pre-claim event expenses arising out of the same, related or continuous pre-claim event. The Pre- Claim Event Expenses Each Occurrence Limit applies in excess of the deductible amount shown in the Declarations. 8.The limits of insurance apply to the entire policy period. If the policy period is extended after policy issuance for an additional period, the additional period will be deemed part of the last preceding period for the purposes of determining the limits of insurance. 9.If the first named insured and us jointly agree to utilize mediation as a means to resolve a claim made against you, and if such claim is resolved as a direct result of and during such mediation, the deductible obligation stated in the Declarations shall be reduced by 50% subject to a maximum reduction of $25,000 for all claims resolved during mediation. We shall reimburse the first named insured for any such reimbursable deductible payments made prior to the mediation as soon as practical after the conclusion of such mediation. SECTION IV - CONDITIONS 1.Assignment This policy may not be assigned without our prior written consent. Assignment of interest under this policy shall not bind us until our consent is endorsed thereon. 2.Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations. 3.Cancellation a.The first Named Insured shown in the Declarations may cancel this policy by mailing or delivering to us advance written notice of cancellation. b.We may cancel this policy by mailing or delivering to the first Named Insured written notice of cancellation at least: (1)Ten (10) days before the effective date of cancellation if we cancel for nonpayment of premium; or (2)Ninety (90) days before the effective date of cancellation if we cancel for any other reason. c.We will mail or deliver our notice to the first Named Insured's last mailing address known to us. d.Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. e.If this policy is cancelled, we will send the first Named Insured any premium refund due. If we cancel, the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata and will be subject to the minimum earned premium stated in the Declarations. The cancellation will be effective even if we have not made or offered a refund. f.If notice is mailed, proof of mailing will be sufficient proof of notice. 4.Changes This policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this policy with our consent. This policy's terms can be amended or waived only by endorsement issued by us and made a part of this policy. 5.Choice of Forum In the event that the insured and we have any dispute concerning or relating to this policy, including its formation, coverage provided hereunder, or the meaning, interpretation or operation of any term, condition, definition or provision of this policy resulting in litigation, arbitration or other form of dispute resolution, the insured agrees with us that any such litigation shall take place in the appropriate federal or state courts located in New York, New York and any arbitration or other form of dispute resolution shall take place in New York, New York. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 11 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 6.Choice of Law In the event that the insured and we have any dispute concerning or relating to this policy, including its formation, coverage provided hereunder, or the meaning, interpretation or operation of any term, condition, definition or provision of this policy resulting in litigation, arbitration or other form of dispute resolution, the insured agrees with us that the internal laws of the State of New York shall apply without giving effect to any conflicts or choice of law principles. The terms and conditions of this policy shall not be deemed to constitute a contract of adhesion and shall not be construed in favor of or against any party hereto by reason or authorship or otherwise. 7.Currency All reimbursement shall be made in United States currency at the rate of exchange prevailing on the date of judgment if judgment is rendered, the date of settlement if settlement is agreed upon with our written consent, or the date of payment of clean-up costs, image restoration expenses, disinfection expenses, emergency response expenses and pre-claim event expenses whichever is applicable. 8.Duties In The Event Of Occurrence, Pollution Incident, Claim or Suit a.You must see to it that we are notified as soon as practicable of an occurrence, or pollution incident which may result in a claim. To the extent possible, notice should include: (1)How, when and where the occurrence or pollution incident took place; (2)The names and addresses of any injured persons and witnesses; and (3)The nature and location of any injury or damage arising out of the occurrence or pollution incident. b.If a claim is made or suit is brought against any insured, you must: (1)Immediately record the specifics of the claim or suit and the date received; and (2)Notify us as soon as practicable. You must see to it that we receive written notice of the claim or suit as soon as practicable. c.You and any other involved insured must: (1)Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or suit; (2)Authorize us to obtain records and other information; (3)Cooperate with us in the investigation or settlement of the claim or defense against the suit; and (4)Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the insured because of injury or damage to which this insurance may also apply. d.In the event emergency response expenses are incurred, you must provide, in writing, all available information relating to such emergency response expenses, and the pollution incident giving rise thereto to us within twenty- one (21) days of first commencement of the pollution incident. Such information shall include all applicable information detailed in Paragraph a. above. e.In the event image restoration expenses, disinfection expenses or pre-claim event expenses are incurred, you must provide, in writing, all available information relating to such expenses, and the image restoration event, disinfection event or pre-claim event giving rise thereto to us within fourteen (14) days of first commencement of such event. Such information shall include all applicable information detailed in Paragraph a. above. f.In the event of a time-element pollution incident, you must provide, in writing, all available information relating to the pollution incident giving rise thereto to us within thirty (30) days of first commencement of the pollution incident. Such information shall include all applicable information detailed in Paragraph a. above. e.No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid and emergency response expenses, without our consent. When any insured becomes legally obligated to pay clean-up costs to which this insurance applies, the insured IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 12 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 must: (1)Submit, for our approval, all proposed work plans prior to submittal to any regulatory agency. (2)Submit, for our approval, all bids and contracts for clean-up costs prior to execution or issuance. (3)Forward progress submittals regarding clean-up costs at reasonable intervals and always prior to submittal to any regulatory agency that is authorized to review and approve such submittals. We shall have the right, but not the duty, to assume direct control of such clean-up costs. Any clean-up costs incurred by us shall be applied against the applicable deductible and limit of insurance. g.If we are prohibited under applicable law from investigating, defending or settling any such claim or suit, the insured shall, under our supervision, arrange for such investigation and defense thereof as is reasonably necessary, and subject to our prior authorization, shall effect such settlement thereof. 9.Economic and Trade Sanctions In accordance with laws and regulation of the United States concerning economic and trade sanctions administered and enforced by The Office Of Foreign Assets Control (OFAC), this policy is void ab initio solely with respect to any term or condition of this policy that violates any laws or regulations of the United States concerning economic and trade sanctions. 10.Enforceability If any part of this policy is deemed invalid or unenforceable, it shall not affect the validity or enforceability of any other part of this policy, which shall be enforced to the full extent permitted by law. 11.Headings The descriptions in the headings and sub-headings of this policy are inserted solely for convenience and do not constitute any part of the terms or conditions on this policy. 12.Independent Counsel In the event the insured is entitled by law to select independent counsel to oversee our defense of a claim or suit at our expense, the attorney fees and all other litigation expenses we must pay to that counsel are limited to the rates we actually pay to counsel we retain in the ordinary course of business in the defense of similar claims or suits in the community where the claim or suit arose or is being defended. Additionally, we may exercise the right to require that such counsel have certain minimum qualifications with respect to their competency including experience in defending claims or suits similar to the one pending against the insured and to require such counsel have errors and omissions insurance coverage. As respects any such counsel, the insured agrees that counsel will timely respond to our request for information regarding the claims or suit. Furthermore, the insured may at any time, by the insured’s written consent, freely and fully waive these rights to select independent counsel. 13.Inspections and Surveys a.We have the right to: (1)Make inspections and surveys at any time; (2)Give you reports on the conditions we find; and (3)Recommend changes. b.We are not obligated to make any inspections, surveys, reports or recommendations and any such actions we do undertake relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of workers or the public. And we do not warrant that conditions: (1)Are safe or healthful; or IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 13 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 (2)Comply with laws, regulations, codes or standards. This applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations. 14.Legal Action Against Us No person or organization has a right under this policy: a.To join us as a party or otherwise bring us into a suit asking for damages from an insured; or b.To sue us on this policy unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this policy or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 15.Multiple Coverage Sections No claim, or part thereof, for which we have accepted coverage or coverage has been held to apply under one or more Coverages in this policy shall be covered under any other Coverages in this policy. 16.Other Insurance If other valid and collectible insurance is available to the insured for a loss we cover under this policy, our obligations are limited as follows: a.Primary Insurance This insurance is primary except when paragraph b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in paragraph c. below. However, regardless of whether b. below applies, in the event that a written contract or agreement or permit requires this insurance to be primary for any person or organization you agreed to insure and such person or organization is an insured under this policy, we will not seek contributions from any such other insurance issued to such person or organization. b.Excess Insurance (1)This insurance is excess over: (a)Any of the other insurance, whether primary, excess, contingent or on any other basis, that is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for your work; (b)Any other insurance, whether primary, excess, contingent or on any other basis, available to you covering liability for damages arising out of your work, for which you have been added as an additional insured; (c)Any project specific insurance, whether primary, excess, contingent or on any other basis, available to you covering liability for damages arising out of your work at a specified job site; or (d)Any other insurance, whether primary, excess, contingent or on any other basis, that covers loss arising in whole or part from mold matter, legionella pneumophila or a disinfection event. (2)When this insurance is excess, we will have no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. (3)When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a)The total amount that all such other insurance would pay for the loss in the absence of this insurance; (b)The total of all deductible and self-insured amounts under all that other insurance; and (c)The deductible and self-insured amounts under this insurance. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 14 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 (4)We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the limits of insurance shown in the Declarations of this policy. c.Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts, excess of applicable deductible and self-insured amounts under all such insurance, until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 17.Premiums and Deductible The first Named Insured shown in the Declarations: a.Is responsible for the payment of all premiums; b.Will be the payee for any return premiums we pay; and c.Is responsible for the payment of all deductibles. 18.Representations By accepting this policy, you agree: a.The statements in the Declarations are accurate and complete; b.Those statements are based upon representations you made to us; and c.We have issued this policy in reliance upon your representations. 19.Separation Of Insureds Except with respect to the limits of insurance and any rights or duties specifically assigned in this policy to the first Named Insured, this insurance applies: a.As if each Named Insured were the only Named Insured; and b.Separately to each insured against whom claim is made or suit is brought. 20.Service of Suit Subject to SECTION IV – CONDITIONS, Condition 5. Choice of Forum above, it is agreed that in the event of failure of us to pay any amount claimed to be due hereunder, we, at the request of the insured, will submit to the jurisdiction of a court of competent jurisdiction within the United States. Nothing in this condition constitutes or should be understood to constitute a waiver of our rights to commence an action in any court of competent jurisdiction in the United States, to remove an action to a United States District Court, or to seek a transfer of a case to another court as permitted by the laws of the United States or of any state in the United States. It is further agreed that service of process in such suit may be made upon us and that in any suit instituted against us upon this contract, we will abide by the final decision of such court or of any appellate court in the event of any appeal. Further, pursuant to any statute of any state, territory, or district of the United States which makes provision therefore, we hereby designate the Superintendent, Commissioner, Director of Insurance, or other officer specified for that purpose in the statute, or his or her successor or successors in office as its true and lawful attorney upon whom may be served any lawful process in any action, suit or proceeding instituted by or on behalf of the insured or any beneficiary hereunder arising out of this contract of insurance, and hereby designates the above named counsel as the person to whom the said officer is authorized to mail such process or a true copy thereof. 21.Transfer Of Rights Of Recovery Against Others To Us If the insured has rights to recover all or part of any payment we have made under this policy, those rights are IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 15 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 transferred to us. At our request, the insured will bring suit or transfer those rights to us and help us enforce them. However, if the insured has waived rights of recovery against any person or organization prior to a loss, we waive any right of recovery we may have under this policy against such person or organization. 22.Transfer of Your Rights and Duties Under This Policy Your rights and duties under this policy may not be transferred without our written consent except in the case of death of an individual named insured. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. 23.When We Do Not Renew If we decide not to renew, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonrenewal not less than ninety (90) days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V - DEFINITIONS 1.Bodily injury means physical injury, sickness, disease, building-related illness, mental anguish, shock or emotional distress sustained by any person, including death resulting therefrom. Bodily injury shall also include medical monitoring costs. 2.Claim means a demand, notice or assertion of a legal right alleging liability or responsibility on the part of the insured. 3.Clean-up costs means reasonable and necessary costs, charges and expenses incurred to investigate, remove, dispose of, contain, treat, neutralize, monitor or test soil, surface water, groundwater or other contaminated media but only: a.To the extent required by environmental laws governing the liability or responsibilities of the insured to respond to a pollution incident; b.In the absence of an applicable environmental law, to the extent recommended in writing by an environmental professional; c.To the extent incurred by the government or any political subdivision within Definition 5.a. Coverage territory; or d.To the extent incurred by parties other than you. Clean-up costs also includes restoration costs. Clean-up costs does not include costs, charges or expenses incurred by the insured for materials supplied or services performed by the insured. 4.Conveyance means any auto, railcar, rolling stock, train, watercraft or aircraft. Conveyance does not include pipelines. 5.Coverage territory means: a.The United States of America (including its territories and possessions), Puerto Rico, Canada and The Gulf of Mexico; b.International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above. 6.Covered property means those locations specifically scheduled in Item 9. of the Declarations, or any other location specifically endorsed to the policy as a covered property. 7.Disinfection event means any case or series of cases of communicable virus, bacteria or disease that requires reporting of such case or series of cases to any local, state or federal governmental or public health agency or entity. Disinfection event does not include pollution incidents. 8.Disinfection expenses means reasonable fees and costs incurred by the insured to clean and disinfect a location after any disinfection event. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 16 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 9.Emergency response expenses means reasonable and necessary costs, charges and expenses incurred to investigate, remove, dispose of, abate, contain, treat, neutralize, monitor or test soil, surface water, groundwater or other contaminated media. 10.Employee includes a leased worker and a temporary worker. 11.Environmental damage means physical damage to land, conveyances, structures on land or water, the atmosphere, any watercourse or body of water including surface water or groundwater, giving rise to clean-up costs or emergency response expense. Environmental damage does not include disinfection expenses. 12.Environmental laws means any federal, state, provincial, municipal or other local laws, including, but not limited to, statutes, rules, ordinances, guidance documents, regulations and all amendments thereto, including state voluntary cleanup or risk based corrective action guidance, and governmental, judicial or administrative orders and directives, that are applicable to a pollution incident. 13.Environmental professional means an individual approved and designated by us in writing who is duly certified or licensed in a recognized field of environmental science as required by a state board, a professional association, or both, who meet certain minimum qualifications and who maintain specified levels of errors and omissions insurance coverage acceptable to us. We shall consult with the insured in conjunction with the selection of the environmental professional. 14.Executive officer means a person holding any of the officer positions created by your charter, constitution, by-laws or any other similar governing document. 15.Flood means a general and temporary condition of partial or complete inundation of two or more acres of normally dry land area or of two or more properties (at least one of which is a covered property) from: a.Overflow of inland or tidal waters; b.Unusual and rapid accumulation or runoff of surface waters from any source; c.Mudflow; or d.Collapse or subsidence of land along the shore of a lake or similar body of water as a result of erosion or undermining caused by waves or currents of water exceeding anticipated cyclical levels that result in a flood as defined above. 16.Image restoration event means a pollution incident which results in a newspaper or magazine publication or television news broadcast alleging responsibility by you for such pollution incident. 17.Image restoration expenses means reasonable expenses incurred by you to restore public reputation and consumer confidence. Image restoration expenses shall include fees and expenses incurred by you for services rendered by public relations or crisis management firms as well as reasonable and necessary printing, mailing of materials and travel by your executive officers, directors, members, partners or employees at the direction of such firms. Image restoration expenses shall not include the costs to purchase advertising on television, in newspapers or in any other media. 18.Insured contract means: a.A contract for a lease of premises. However, that portion of the contract for a lease of premises in excess of thirty (30) consecutive days that indemnifies any person or organization for damage by fire, lightning or explosion to premises while rented to you or temporarily occupied by you with permission of the owner is not an insured contract; b.A sidetrack agreement; c.Any easement or license agreement; d.An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e.An elevator maintenance agreement; IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 17 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 f.That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for bodily injury, property damage or environmental damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. does not include that part of any contract or agreement that indemnifies an architect, engineer or surveyor for injury or damage arising out of: (1)Preparing, approving or failing to prepare or approve maps, drawings, opinions, reports, surveys, change orders, designs or specifications; or (2)Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage. 19.Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 20.Legal and claims expense payments means all amounts specified under SUPPLEMENTARY PAYMENTS, including: a.All expenses we incur that are directly allocated to a particular claim or suit. b.All attorneys’ fees or attorneys’ expenses incurred by the insured in connection with emergency response expense. 21.Location means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. 22.Mediation means the non-binding intervention of a neutral third-party to effect settlement of a claim. 23.Misdelivery means the delivery of any liquid product into a wrong receptacle or to a wrong address or the erroneous delivery of one liquid product for another. 24.Mold matter means mold, mildew and fungi, whether or not such mold matter is living. 25.Natural resource damage means damages, sought by a governmental or tribal natural resource damage trustee who is authorized to act in such capacity by a natural resource damage statute governing the assessment and restoration of natural resource damages, for the physical injury to or destruction of, as well as the assessment of such injury or destruction, including the resulting loss of value of land, fish, wildlife, biota, air, water, groundwater, drinking water supplies, and other such resources belonging to, managed by, held in trust by, appertaining to, or otherwise controlled by the United States (including the resources of the fishery conservation zone established by the Magnuson-Stevens Fishery Conservation and Management Act (16 U.S.C. 1801 et seq.)), any state, local or provincial government, any foreign government, any Native American tribe, or, if such resources are subject to a trust restriction on alienation, any member of a Native American tribe. 26.Non-owned site means any location which was not at any time owned or occupied by you. A non-owned site shall include any job site location leased, rented or borrowed for use as a staging area to facilitate your work. Non-owned site does not include: a.Any location which is not licensed by the appropriate federal, state or local authority at the time such facility performs storage, disposal, processing or treatment of waste from your operations or your work in compliance with environmental law. b.Any location or any part thereof that has been subject to a consent order or corrective action under environmental law or is listed or proposed to be listed on the Federal National Priorities list (NPL) prior to waste from your operations or your work being legally consigned for delivery or delivered for storage, disposal, processing or treatment at such location. 27.Nuclear material means source material, special nuclear material or byproduct material which have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. 28.Occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 18 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 conditions. 29.Policy period means the period of time stated in the Declarations. However, if the policy is cancelled in accordance with SECTION IV – CONDITIONS, Condition 3. Cancellation, the policy period ends on the effective date of such cancellation. 30.Pollutants means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, soot, vapors, fumes, acids, alkalis, chemicals, hazardous substances, hazardous materials, or waste materials, including medical, infectious and pathological wastes. Pollutants shall also mean mold matter, legionella pneumophila and electromagnetic fields. Pollutants, with the exception of mold matter and legionella pneumophila, does not include bacteria and viruses. 31.Pollution incident means: a.The discharge, dispersal, release, escape, migration, or seepage of pollutants on, in, into, or upon land, conveyances, structures on land or water, the atmosphere, any watercourse or body of water including surface water or groundwater; b.The discharge, dispersal, release, or escape of silt or sedimentation that originated at and migrated from a location where you are performing your work; or c.The presence of mold matter. Pollution incident includes the illicit abandonment of pollutants at any covered property or job site location provided that such abandonment was committed by parties other then you and without the knowledge of a responsible executive. 32.Pre-claim event means a pollution incident arising out of your work that would reasonably be expected to give rise to a claim covered by this policy. 33.Pre-claim event expense means: a.Reasonable and necessary fees charged by an environmental professional or attorney mutually agreed upon by the first named insured shown in the Declarations and us, for environmental consulting, investigative, testing or legal services, solely to the extent such fees are incurred as a result of a pre-claim event; b.Costs, charges and expenses incurred by us in the investigation or adjustment of a pre-claim event; and c.All reasonable and necessary expenses incurred by you at our request to assist us in the investigation of a pre- claim event, including your employees’ lost salaries or wages, up to $500 a day. Except as expressly set forth in this Definition, pre-claim event expenses shall not include costs, charges or other expenses incurred: prior to our agreement upon the selection of an environmental professional or attorney; or by you for goods supplied by or on behalf of your staff or salaried employees, or its parent, subsidiary or affiliate, unless such costs, charges or other expenses are incurred with our prior written consent, which consent shall not be unreasonably withheld. 34.Property damage means: a.Physical injury to or destruction of tangible property, including all resulting loss of use and diminished value of that property. All such loss of use and diminished value shall be deemed to occur at the time of the physical injury that caused it; b.Loss of use of tangible property that is not physically injured or destroyed. All such loss of use shall be deemed to occur at the time of the occurrence or pollution incident that caused it; or c.Natural resource damage. Property damage does not include environmental damage. For the purpose of this insurance, electronic data is not tangible property. As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CDROMS, tapes drives, cells, data processing devices or any other media which are used with electronically controlled equipment. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 19 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 35.Responsible executive means any officer, director, risk manager, partner, your manager or supervisor responsible for environmental affairs, health and safety affairs, control or compliance or any other employee authorized by you to give or receive notice of an occurrence or claim. 36.Restoration costs means reasonable and necessary costs incurred by the insured with our prior written consent, to repair, restore or replace damaged real or personal property damaged during work performed in the course of incurring clean-up costs in order to restore the property to the condition it was in prior to being damaged during such work. Restoration costs shall not exceed the lesser of actual cash value of such real or personal property or the cost of repairing, restoring or replacing the damaged property with other property of like kind and quality. An adjustment for depreciation and physical condition shall be made in determining actual cash value. If a repair or replacement results in better than like kind or quality, we will not pay for the amount of the betterment, except to the extent: a.Such betterments of the damaged property entail the use of materials which are environmentally preferable to those materials which comprised the damaged property. b.Such environmentally preferable material must be certified as such by an applicable independent certifying body, where such certification is available, or, in the absence of such certification, based on our judgment in our sole discretion. 37.Suit means a civil proceeding in which damages to which this insurance applies are alleged. Suit includes an arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent or any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. 38.Temporary worker means a person who is furnished to you to substitute for a permanent worker on leave or to meet seasonal or short-term workload conditions. 39.Time-Element pollution incident means a pollution incident demonstrable as having first commenced at an identified time and place during the policy period provided such pollution incident does not originate or arise from, or relate to an underground storage tank. 40.Transportation means the movement of goods, product, merchandise, supplies or waste in a conveyance by the insured or a third party carrier to or from a job site or a non-owned site. Transportation includes the movement of goods, products, merchandise, supplies or waste into, onto or from a conveyance. 41.Underground storage tank means any tank, including any piping and appurtenances connected to the tank, located on or under an owned or occupied location that has at least ten (10) percent of its combined volume underground. Underground storage tank does not include: a.Septic tanks, sump pumps, or oil/water separators; b.A tank that is enclosed within a basement or cellar, if the tank is upon or above the surface of the floor; or c.Storm-water or wastewater collection systems. 42.Volunteer worker means a person who is not your employee, and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 43.Your product: a.Means: (1)Any goods or products, other than real property, manufactured, sold or distributed by: (a)You; (b)Others trading under your name; or (c)A person or organization whose business or assets you have acquired; and (2)Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 20 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 b.Includes: (1)Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of your product; and (2)The providing of or failure to provide warnings or instructions. 44.Your work: a.Means: (1)Work or operations performed by you or on your behalf at a location which was not at any time owned or occupied by you; and (2)Materials, parts or equipment furnished in connection with such work or operations. b.Includes: (1)Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of your work; and (2)The providing of or failure to provide warnings or instructions. IN WITNESS WHEREOF, the Insurer has caused this Policy to be executed and attested, but this Policy will not be valid unless countersigned by a duly authorized representative of the Insurer, to the extent required by applicable law. Ironshore Specialty Insurance Company by: Secretary President IE.COV.CELL.001 (07/18)Includes copyrighted material of Insurance Services Offices, Inc. with its permission.Page 21 of 21 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 1 Version 3.0 (last updated November 2022) Liberty Mutual Group California Privacy Notice Commercial Lines (excluding Workers’ Compensation) (Effective January 1, 2023) Liberty Mutual Group and its affiliates, subsidiaries, and partners (collectively “Liberty Mutual” or “we”, “us” and “our”) provide insurance to companies and other insurers. This Privacy Notice explains how we gather, use, and share your data. This Privacy Notice applies to you if you are a Liberty Mutual commercial line insured or are a commercial line claimant residing in California. It does not apply to covered employees or claimants under Workers’ Compensation policies. If this notice does not apply to you, go to libertymutual.com/privacy to review the applicable Liberty Mutual privacy notice. What Personal Data Do We Collect? The types of personal data we gather and share depend on both the product and your relationship to us. For example, we may gather different data if you are a claimant reporting an injury than if you want a quote for commercial property insurance. The data we gather can include your Social Security Number, income, transaction data such as account balances and payment history, and data from consumer reports. It may also include data gathered in connection with our provision of insurance services, when you apply for such services, or resulting from other contacts with you. It may also include: • Identifiers, including a real name, alias, postal address, unique personal identifier, online identifier, Internet Protocol address, email address, account name, Social Security Number, driver’s license number, or other similar identifiers; • Personal data, such as your name, signature, Social Security Number, physical characteristics or description, address, telephone number, driver’s license or state identification card number, insurance policy number, education, employment, employment history, bank account number, financial data, precise geolocation, medical data, or health insurance data; • Protected classification characteristics described in California Civil Code § 1798.80(e), including age, race, color, national origin, citizenship, religion or creed, marital status, medical condition, physical or mental disability, sex (including gender, gender identity, gender expression, pregnancy or childbirth and related medical conditions), sexual orientation, or veteran or military status; • Commercial information, including records of personal property, products or services purchased, obtained, or considered, or other purchasing or consuming histories and tendencies; • Internet or other similar network activity, including browsing history, search history, information on a consumer’s interaction with a website, application, or advertisement; • Professional or employment related information, including current or past job history Inferences drawn from other personal information, such as a profile reflecting a person’s preferences, characteristics, psychological trends, predispositions, behavior, attitudes, intelligence, abilities, and aptitudes; • Risk data, including data about your driving and/or accident history; this may include data from consumer reporting agencies, such as your motor vehicle records, and loss history information, health data, or criminal convictions; • Claims data, including data about your previous and current claims, which may include data regarding your health, criminal convictions, third party reports, or other personal data; and • Sensitive Data as defined under the California Privacy Rights Act when used to infer characteristics of an individual. For information about the types of personal data we have collected in the past twelve (12) months, please go to lmi.co/caprivacynotices and click on the link for the California Privacy Policy (Consumers). Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 2 Version 3.0 (last updated November 2022) How do you gather my data? We gather your personal data directly from you. For example, you provide us with data when you: We also gather your personal data from other people. For example: ▪ ask about or buy insurance, or file a claim ▪ your insurance agent or broker ▪ pay your policy ▪ your employer, association or business (if you are insured through them) ▪ visit our websites, call us, or visit our office ▪ our affiliates or other insurance companies about your transactions with them ▪ consumer reporting agencies, Motor Vehicle Departments, and inspection services, to gather your credit history, driving record, claims history, or value and condition of your property ▪ other public directories and sources ▪ third parties, including other insurers, brokers and insurance support organizations who you have communicated with about your policy or claim, anti-fraud databases, sanctions lists, court judgments and other databases, government agencies, open electoral register, or in the event of a claim, third parties including other parties to the claim witnesses, experts, loss adjusters and claim handlers ▪ other third parties who take out a policy with us and are required to provide your data such as when you are named as a beneficiary or where a family member has taken out a policy which requires your personal data Organizations that share data with us may keep it and disclose it to others as permitted by law. For data about how we have gathered personal data in the past twelve months, please go to lmi.co/caprivacynotices and click on the link for the California Privacy Policy (Consumers). How Do We Use Your Personal Data? Liberty Mutual uses your data to provide you with our products and services, and as otherwise provided in this Privacy Notice. We may use your data and the data of our former customers for our business and other compatible purposes. Our business purposes include, for example: Business Purpose Data Categories Do we share or sell your information as defined by CPRA Market, sell and provide insurance. This includes, for example: • calculating your premium; • determining your eligibility for a quote; • confirming your identity and servicing your policy; ▪ Identifiers ▪ Personal Information ▪ Protected Classification Characteristics ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ No Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 3 Version 3.0 (last updated November 2022) ▪ Inferences drawn from other personal information ▪ Risk data ▪ Claims data ▪ Sensitive Data Manage your claim. This includes, for example: ▪ managing your claim, if any; ▪ conducting claims investigations; ▪ conducting medical examinations; ▪ conducting inspections, appraisals; ▪ providing roadside assistance; ▪ providing rental car replacement or repairs; ▪ Identifiers ▪ Personal Information ▪ Protected Classification Characteristics ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ Inferences drawn from other personal information ▪ Risk data ▪ Claims data ▪ No. Day to Day Business and Insurance Operations. This includes, for example: • creating, maintaining, customizing, and securing accounts; • supporting day-to-day business and insurance related functions; • doing internal research for technology and development; • marketing, advertising and creating products and services; • conducting audits related to a current contact with a consumer and other transactions; • as described at or before the point of gathering personal data or with your authorization; ▪ Identifiers ▪ Personal Information ▪ Protected Classification Characteristics ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ Inferences drawn from other personal information ▪ Risk data ▪ Claims data ▪ No. Security and Fraud Detection. This includes, for example: ▪ detecting security issues; ▪ protecting against fraud or illegal activity, and to comply with regulatory and law enforcement authorities; ▪ managing risk and securing our systems, assets, infrastructure, and premises; ▪ help to ensure the safety and security of Liberty staff, assets, and resources, which may include physical and virtual ▪ Identifiers ▪ Personal Information ▪ Protected Classification Characteristics ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ Inferences drawn from other personal information ▪ Risk data ▪ Claims data ▪ No. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 4 Version 3.0 (last updated November 2022) access controls and access rights management; ▪ supervisory controls and other monitoring and reviews, as permitted by law; and emergency and business continuity management; Regulatory and Legal Requirements. This includes for example: ▪ controls and access rights management; ▪ to evaluate or conduct a merger, divestiture, restructuring, reorganization, dissolution, or other sale or transfer of some or all of Liberty’s assets, whether as a going concern or as part of bankruptcy, liquidation, or similar proceeding, in which personal data held by Liberty is among the assets transferred; ▪ exercising and defending our legal rights and positions; ▪ to meet Liberty contract obligations; ▪ to respond to law enforcement requests as required by applicable law, court order, or governmental regulations; ▪ as otherwise permitted by law; ▪ Identifiers ▪ Personal Information ▪ Protected Classification Characteristics ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ Inferences drawn from other personal information ▪ Risk data ▪ Claims data ▪ No. Improve Your Customer Experience and Our Products. This includes, for example: • improve your customer experience, our products, and service; • to provide support, personalize, and develop our website, products, and services; • create and offer new products and services; ▪ Identifiers ▪ Personal Information ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ Inferences drawn from other personal information ▪ Risk data ▪ Claims data ▪ No. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 5 Version 3.0 (last updated November 2022) Analytics to identify, understand, and manage our risks and products. This includes, for example: • conducting analytics to better identify, understand, and manage risk and our products; ▪ Identifiers ▪ Personal Information ▪ Protected Classification Characteristics ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ Inferences drawn from other personal information; ▪ Risk data ▪ Claims data ▪ Sensitive Data ▪ No. Customer service and technical support. This includes, for example: • answer questions and provide notifications; • provide customer and technical support. ▪ Identifiers ▪ Personal Information ▪ Commercial Information ▪ Internet or other similar network activity ▪ Professional or employment related information ▪ Inferences drawn from other personal information ▪ Risk data ▪ Claims data ▪ No. Cross-Context Behavioral Advertising ▪ Identifiers ▪ IP address ▪ Internet or other similar network activity ▪ We share this information with service providers such as search engines and social media platforms Liberty Mutual will not collect additional categories of personal information or use the personal information we collected for materially unrelated, or incompatible purposes without updating our notice. Do We Disclose Your Personal Data? Liberty Mutual does not sell your personal data as defined by California law. Liberty Mutual shares your personal data as disclosed above. The California privacy law defines sharing as “communicating orally, in writing, or by electronic or other means, a consumers personal information . . . to a third party for cross-context behavioral advertising, whether or not for monetary or other valuable consideration.” This occurs when you visit the Liberty Mutual website. Cookies or pixels are deployed that then allow us to show you targeted advertisements when you visit other websites or social media platforms. You have the right to opt-out of this type of sharing and you may learn more about those rights at lmi.co/caprivacychoices. This type of sharing is different from disclosing personal information to other entities to perform a service related to providing insurance or processing your claim. How we disclose data to these types of entities is set forth below. Liberty Mutual may disclose personal data with affiliated and non-affiliated third parties, including: ▪ Liberty Mutual affiliates; ▪ Service Providers (such as auto repair facilities, towing companies, property inspectors, and independent adjusters); ▪ Insurance support organizations; Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 6 Version 3.0 (last updated November 2022) ▪ Brokers and agents; ▪ Public entities (e.g. regulatory, quasi-regulatory, tax or other authorities, law enforcement agencies, courts, arbitrational bodies, and fraud prevention agencies); ▪ Consumer reporting agencies; ▪ Advisors including law firms, accountants, auditors, and tax advisors; ▪ Insurers, re-insurers, policy holders, and claimants; ▪ Group policyholders (for reporting claims data or an audit); ▪ A person, organization, affiliates or service providers conducting actuarial or research studies; and ▪ As permitted by law. We may also disclose data with other companies that provide marketing services on our behalf or as part of a joint marketing agreement for products offered by Liberty Mutual. We will not disclose your personal data with others for their own marketing purposes. We may also disclose data about our transactions (such as payment history) and experiences (such as claims made) with you to our affiliates. Liberty Mutual may disclose the following categories of personal data as needed for business purposes: Identifiers Personal Data Protected Classification Characteristics Commercial Data Internet or other similar network activity Professional, employment, and education data Inferences drawn from personal data Risk Data Claims Data For information about how we have shared personal information in the past twelve (12) months, please go to lmi.co/caprivacynotices and click on the link for the California Privacy Policy (Consumers). How Long Does Liberty Mutual Retain Each Category of Personal Data? We retain your information in accordance with our legal obligations, our records retention policies, or as otherwise permitted by law. For example, we may have a legal obligation to retain information relating to your policies or claims with us. We will delete your data once the legal obligation expires or after the period of time specified in our records retention policies. The period of retention is subject to our review and alteration. How to Contact Us: You can submit requests, seek additional information, or obtain a copy of our Privacy Notice in an alternative format by either: Calling: 800-344-0197 Email: privacy@libertymutual.com Online: Libertymutualgroup.com/privacy-policy/data-request lmi.co/caprivacychoices Postal Address: Liberty Mutual Insurance Company 175 Berkeley St., 6th Floor Boston MA 02116 Attn: Privacy Office Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 INSR ADDL SUBR LTR INSR WVD DATE (MM/DD/YYYY) PRODUCER CONTACT NAME: FAXPHONE (A/C, No):(A/C, No, Ext): E-MAIL ADDRESS: INSURER A : INSURED INSURER B : INSURER C : INSURER D : INSURER E : INSURER F : POLICY NUMBER POLICY EFF POLICY EXPTYPE OF INSURANCE LIMITS(MM/DD/YYYY)(MM/DD/YYYY) COMMERCIAL GENERAL LIABILITY AUTOMOBILE LIABILITY UMBRELLA LIAB EXCESS LIAB WORKERS COMPENSATION AND EMPLOYERS' LIABILITY DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) AUTHORIZED REPRESENTATIVE INSURER(S) AFFORDING COVERAGE NAIC # Y / N N / A (Mandatory in NH) ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? EACH OCCURRENCE $ DAMAGE TO RENTED $PREMISES (Ea occurrence)CLAIMS-MADE OCCUR MED EXP (Any one person)$ PERSONAL & ADV INJURY $ GENERAL AGGREGATE $GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $ $ PRO- OTHER: LOCJECT COMBINED SINGLE LIMIT $(Ea accident) BODILY INJURY (Per person)$ANY AUTO OWNED SCHEDULED BODILY INJURY (Per accident)$AUTOS ONLY AUTOS AUTOS ONLY HIRED PROPERTY DAMAGE $AUTOS ONLY (Per accident) $ OCCUR EACH OCCURRENCE $ CLAIMS-MADE AGGREGATE $ DED RETENTION $$ PER OTH- STATUTE ER E.L. EACH ACCIDENT $ E.L. DISEASE - EA EMPLOYEE $ If yes, describe under E.L. DISEASE - POLICY LIMIT $DESCRIPTION OF OPERATIONS below POLICY NON-OWNED SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. 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. 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 any rights to the certificate holder in lieu of such endorsement(s). COVERAGES CERTIFICATE NUMBER:REVISION NUMBER: CERTIFICATE HOLDER CANCELLATION © 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORDACORD 25 (2016/03) ACORDTM CERTIFICATE OF LIABILITY INSURANCE Westfield Insurance Company Ironshore Specialty Insurance Company NorthStone Ins Co. 4/30/2024 Robert H Walker RAM Insurance Agency 16614 W 159th Street, Unit 303 Lockport, IL 60441 April Mroz 312 621-2200 312 621-2288 amroz@rockwoodco.com All-Bry Construction Company 145 Tower Drive, Suite 7 Burr Ridge, IL 60527 24112 25445 13045 A X X X X X TRA3515402 01/19/2024 01/19/2025 1,000,000 500,000 5,000 1,000,000 2,000,000 2,000,000 A X X X X X TRA3515402 01/19/2024 01/19/2025 1,000,000 A X X X 0 X X TRA3515402 01/19/2024 01/19/2025 10,000,000 10,000,000 C N X WCN6002889 08/01/2023 08/01/2024 X 1,000,000 1,000,000 1,000,000 A B A Builders Risk Pollution Liabili Rented Equipment X X TRA3515402 ICELLUW00157203 TRA3515402 01/19/2024 12/10/2023 01/19/2024 01/19/2025 12/10/2024 01/19/2025 $3,000,000 / Job $1,000,000 / Occurrence $240,000 / Item IT IS AGREED THAT THE CITY OF EVANSTON IS LISTED AS ADDITIONAL INSURED TO THE ABOVE GENERAL LIABILITY POLICY ON A PRIMARY NON-CONTRIBUTORY BASIS WHEN REQUIRED IN A WRITTENC ONTRACT. A WAIVER OF SUBROGATION APPLIES TO ALL ADDITIONAL INSUREDS WITH REGARDS TO THE GENERAL LIABILITY POLICY WHEN REQUIRED IN A WRITTEN CONTRACT City of Evanston 2100 Ridge Ave Evanston, IL 60201 1 of 1 #S571035/M556775 ALLBRYClient#: 24234 AMM1 Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 This page has been left blank intentionally. Doc ID: ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 Contract with All-Bry Construction Company for the...... Approval_of...ark_Ren.pdf and 5 others ad388ef3e3ed9ddc3f10fba2ffa72a4080076b86 MM / DD / YYYY Signed 05 / 06 / 2024 15:28:10 UTC-5 Sent for signature to Alexandra Ruggie (aruggie@cityofevanston.org) and Luke Stowe (lstowe@cityofevanston.org) from lthomas@cityofevanston.org IP: 66.158.65.76 05 / 06 / 2024 15:28:25 UTC-5 Viewed by Alexandra Ruggie (aruggie@cityofevanston.org) IP: 66.158.65.76 05 / 06 / 2024 15:28:38 UTC-5 Signed by Alexandra Ruggie (aruggie@cityofevanston.org) IP: 66.158.65.76 05 / 07 / 2024 10:32:01 UTC-5 Viewed by Luke Stowe (lstowe@cityofevanston.org) IP: 66.158.65.76 05 / 07 / 2024 10:41:02 UTC-5 Signed by Luke Stowe (lstowe@cityofevanston.org) IP: 66.158.65.76 The document has been completed.05 / 07 / 2024 10:41:02 UTC-5