DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE 9/15/2025
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.
If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on
this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).
PRODUCER CONTACT
NAME:
Arthur J. Gallagher Risk Management Services, LLC PHONE FAX
14026 Thunderbolt Place Ste 200 (A/C, No, Ext): 703-988-0900 (A/C, No): 703-988-9498
E-MAIL
Chantilly VA 20151 ADDRESS: Joelle_Cutro@ajg.com
INSURER(S) AFFORDING COVERAGE NAIC #
INSURER A : The Cincinnati Insurance Company 10677
INSURED INSURER B : Federal Insurance Company 20281
ECS Southeast, LLC
INSURER C : Bankers Standard Insurance Company 18279
14030 Thunderbolt Place
Suite 500 INSURER D :
Chantilly VA 20151 INSURER E :
INSURER F :
COVERAGES CERTIFICATE NUMBER: 1230451329 REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR ADDL SUBR POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) LIMITS
A X COMMERCIAL GENERAL LIABILITY Y Y ENP 0219991 12/1/2024 12/1/2025 EACH OCCURRENCE $ 1,000,000
DAMAGE TO RENTED
CLAIMS-MADE X OCCUR PREMISES (Ea occurrence) $ 500,000
X Contractual Liab MED EXP (Any one person) $ 10,000
X X C U Incl PERSONAL & ADV INJURY $ 1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000
POLICY X JECT
PRO-
LOC PRODUCTS - COMP/OP AGG $ 2,000,000
OTHER: $
A Y Y COMBINED SINGLE LIMIT $ 1,000,000
AUTOMOBILE LIABILITY EBA 0559255 12/1/2024 12/1/2025 (Ea accident)
X ANY AUTO BODILY INJURY (Per person) $
OWNED SCHEDULED BODILY INJURY (Per accident) $
AUTOS ONLY AUTOS
NON-OWNED
X HIRED
AUTOS ONLY
X AUTOS ONLY
PROPERTY DAMAGE
(Per accident) $
$
B X UMBRELLA LIAB X OCCUR Y Y 79891344 12/1/2024 12/1/2025 EACH OCCURRENCE $ 5,000,000
EXCESS LIAB CLAIMS-MADE AGGREGATE $ 5,000,000
X RETENTION $ $
DED 0
PER OTH-
C WORKERS COMPENSATION Y (25) 7176-41-67 12/1/2024 12/1/2025 X STATUTE ER
AND EMPLOYERS' LIABILITY Y/N
ANYPROPRIETOR/PARTNER/EXECUTIVE
N E.L. EACH ACCIDENT $ 1,000,000
OFFICER/MEMBER EXCLUDED? N/A
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ 1,000,000
If yes, describe under
DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1,000,000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
RE: Continuing Contract for Professional Geotechnical, Environmental and Construction Material Testing Services RFQu No. 24-752-023 The Owner, DeKalb
County Board of Education and DeKalb County School District are included as Additional Insureds on a primary and non-contributory basis with respects to
General Liability and Automobile Liability coverage where required by written contract. A waiver of subrogation is granted in favor of the above-listed parties
where required by written contract. 30 days prior written notice of cancellation (10 days notice for non-payment of premium). Umbrella Follows form.
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ACCORDANCE WITH THE POLICY PROVISIONS.
Dekalb County School District
Attn: Richard Boyd
Sam A. Moss Service Center, 1780 Montreal Road AUTHORIZED REPRESENTATIVE
Tucker GA 30084
© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD
THIS CERTIFICATE SUPERSEDES PREVIOUSLY ISSUED CERTIFICATE
THE CINCINNATI INSURANCE COMPANY
A Stock Insurance Company
COMMERCIAL GENERAL LIABILITY COVERAGE
PART DECLARATIONS
Attached to and forming part of POLICY NUMBER: ENP 021 99 91
Named Insured is the same as it appears in the Common Policy Declarations
LIMITS OF INSURANCE
EACH OCCURRENCE LIMIT $ 1,000,000
GENERAL AGGREGATE LIMIT $ 2,000,000
PRODUCTS-COMPLETED OPERATIONS AGGREGATE LIMIT $ 2,000,000
PERSONAL & ADVERTISING INJURY LIMIT $ 1,000,000 ANY ONE PERSON OR
ORGANIZATION
DAMAGE TO PREMISES RENTED TO YOU LIMIT ANY ONE
$100,000 limit unless otherwise indicated herein: $ SEE GA233 PREMISES
MEDICAL EXPENSE LIMIT
$5,000 limit unless otherwise indicated herein: $ SEE GA233 ANY ONE PERSON
CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM
NO. BASE
A - Area Products / All Other Products / All Other
B - Payroll Completed Completed
C - Gross Sales Operations Operations
D - Units
E - Other
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (AL) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (AR) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (CA) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (DE) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (FL) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (GA) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (IL) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (IN) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (KY) TOTAL COST
CONTRACTORS - 91581 E
GA 532 07 08 ENP 021 99 91 Page 1 of 5
CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM
NO. BASE
A - Area Products / All Other Products / All Other
B - Payroll Completed Completed
C - Gross Sales Operations Operations
D - Units
E - Other
SUBCONTRACTED WORK (LA) TOTAL COST
INCL PROD AND/OR COMP OP
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (MA) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (MS) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (MT) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (NC) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (NJ) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (NY) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (OK) COST
INCL PROD AND/OR COMP OP
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (OR) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (PA) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (SC) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (TN) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (TX) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (VA) TOTAL COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (VT) COST
CONTRACTORS - 91581 E
SUBCONTRACTED WORK (WA) TOTAL COST
DRILLING (GA) 92101 B
DRILLING (LA) 92101 B
INCL PROD AND/OR COMP OP
DRILLING (MS) 92101 B
DRILLING (NC) 92101 B
GA 532 07 08 ENP 021 99 91 Page 2 of 5
CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM
NO. BASE
A - Area Products / All Other Products / All Other
B - Payroll Completed Completed
C - Gross Sales Operations Operations
D - Units
E - Other
OWNER, LESSEE, CONTRACTOR
ADDITIONAL INSUREDS - 29916
OWNER, LESSEE, CONTRACTOR
ADDITIONAL INSUREDS - 29919
OWNER, LESSEE, CONTRACTOR
ADDITIONAL INSUREDS - 29920
OWNER, LESSEE, CONTRACTOR
ADDITIONAL INSUREDS - 29940
OWNER, LESSEE, CONTRACTOR
The General Liability Coverage Part is subject to an
annual minimum premium.
TOTAL ANNUAL PREMIUM
FORMS AND / OR ENDORSEMENTS APPLICABLE TO COMMERCIAL GENERAL LIABILITY COVERAGE PART:
CG0001 04/13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM
CG0118 12/04 LOUISIANA CHANGES - LEGAL ACTION AGAINST US
CG0125 03/03 LOUISIANA CHANGES - INSURING AGREEMENT
CG2672 03/02 LOUISIANA CHANGES - PREMIUM AUDIT CONDITION
CG2684 12/04 LOUISIANA CHANGES - TRANSFER OF RIGHTS OF RECOVERY AGAINST
OTHERS TO US CONDITION
IA450C 11/87 LIMITED EXCLUSION - ENGINEERS, ARCHITECTS OR SURVEYORS
PROFESSIONAL LIABILITY EXCLUSION
CG0103 06/06 TEXAS CHANGES
CG0142 07/11 ARKANSAS CHANGES
CG0437 05/14 ELECTRONIC DATA LIABILITY
CG2010 12/19 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - SCHEDULED
PERSON OR ORGANIZATION
CG2037 12/19 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - COMPLETED
OPERATIONS
CG2132 05/09 COMMUNICABLE DISEASE EXCLUSION
CG2147 12/07 EMPLOYMENT - RELATED PRACTICES EXCLUSION
CG2404 12/19 WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US
(WAIVER OF SUBROGATION)
CG2414 04/13 WAIVER OF GOVERNMENTAL IMMUNITY
CG2503 05/09 DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT
CG2504 05/09 DESIGNATED LOCATION(S) GENERAL AGGREGATE LIMIT
CG2661 10/01 MONTANA CHANGES - MEDICAL PAYMENTS
GA233 06/23 CONTRACTORS' COMMERCIAL GENERAL LIABILITY BROADENED ENDORSEMENT
GA3064 09/20 EXCLUSION - ASBESTOS
GA3074 06/23 EXCLUSION - CYBER LIABILITY
GA369 09/17 EXCLUSION - EXTERIOR INSULATION AND FINISH SYSTEMS ("EIFS") AND
DIRECT-APPLIED EXTERIOR FINISH SYSTEMS ("DEFS") - BROAD FORM
WITH SPECIFIED EXCEPTIONS
GA382 03/02 FUNGI OR BACTERIA EXCLUSION
GA4094 09/20 PRIMARY/NONCONTRIBUTORY - OTHER INSURANCE CONDITION SCHEDULED
PERSON OR ORGANIZATION
GA4113 05/20 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - (FORM B)
- CG 20 10 11 85
GA4164AR 02/02 ARKANSAS CHANGES - MULTI-YEAR POLICIES
GA4256VA 09/20 VIRGINIA CHANGES - COMMERCIAL GENERAL LIABILITY
GA4260WA 10/09 WASHINGTON CHANGES
GA4448NJ 02/15 NEW JERSEY CHANGES – LOSS INFORMATION
GA4518 05/20 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - CG 20 10
07 04 - SCHEDULED PERSON OR ORGANIZATION
GA 532 07 08 ENP 021 99 91 Page 4 of 5
FORMS AND / OR ENDORSEMENTS APPLICABLE TO COMMERCIAL GENERAL LIABILITY COVERAGE PART:
GA4519 05/20 ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - CG 20 37
07 04 - COMPLETED OPERATIONS
GA4522 12/20 LIABILITY DEDUCTIBLE (SPECIFIED WITH OPTION TO INCLUDE DAMAGES
AND EXPENSES)
GA4523 05/20 BROAD FORM CONTRACTORS ADDITIONAL INSURED - AUTOMATIC STATUS AND
AUTOMATIC WAIVER OF SUBROGATION WHEN REQUIRED IN WRITTEN
CONTRACT, AGREEMENT, PERMIT OR AUTHORIZATION
GA4531 09/20 AMENDMENT - POLLUTANT DEFINITION
GA4533 12/22 COMMERCIAL GENERAL LIABILITY AMENDATORY ENDORSEMENT
GA4566 06/22 AMENDMENT - RECORDING AND DISTRIBUTION OF MATERIAL OR
INFORMATION IN VIOLATION OF LAW EXCLUSION
GA214 08/02 SEXUAL MISCONDUCT OR SEXUAL MOLESTATION LIABILITY
GA 532 07 08 ENP 021 99 91 Page 5 of 5
POLICY NUMBER: ENP 021 99 91 COMMERCIAL GENERAL LIABILITY
CG 20 10 12 19
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 Additional Insured Person(s)
Or Organization(s) Location(s) Of Covered Operations
ANY PERSON OR ORGANIZATION FOR WHOM YOU ARE ANY LOCATION AT WHICH WORK OR
REQUIRED TO NAME UNDER THIS ENDORSEMENT IN A OPERATIONS ARE PERFORMED BY YOU OR
WRITTEN CONTRACT OR AGREEMENT ON YOUR BEHALF
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
A. Section II – Who Is An Insured is amended to B. With respect to the insurance afforded to these
include as an additional insured the person(s) or additional insureds, the following additional ex-
organization(s) shown in the Schedule, but only clusions apply:
with respect to liability for "bodily injury", "property This insurance does not apply to "bodily injury" or
damage" or "personal and advertising injury" "property damage" occurring after:
caused, in whole or in part, by:
1. All work, including materials, parts or equip-
1. Your acts or omissions; or ment furnished in connection with such work,
2. The acts or omissions of those acting on your on the project (other than service, maintenance
behalf; or repairs) to be performed by or on behalf of
in the performance of your ongoing operations for the additional insured(s) at the location of the
the additional insured(s) at the location(s) desig- covered operations has been completed; or
nated above. 2. That portion of "your work" out of which the
However: injury or damage arises has been put to its in-
tended use by any person or organization other
1. The insurance afforded to such additional than another contractor or subcontractor en-
insured only applies to the extent permitted by gaged in performing operations for a principal
law; and as a part of the same project.
2. If coverage provided to the additional insured is
required by a contract or agreement, the insur-
ance afforded to such additional insured will
not be broader than that which you are re-
quired by the contract or agreement to provide
for such additional insured.
CG 20 10 12 19 © Insurance Services Office, Inc., 2018 Page 1 of 2
C. With respect to the insurance afforded to these 1. Required by the contract or agreement; or
additional insureds, the following is added to Sec- 2. Available under the applicable limits of insur-
tion III – Limits Of Insurance: ance;
If coverage provided to the additional insured is whichever is less.
required by a contract or agreement, the most we
will pay on behalf of the additional insured is the This endorsement shall not increase the applica-
amount of insurance: ble limits of insurance.
CG 20 10 12 19 © Insurance Services Office, Inc., 2018 Page 2 of 2
POLICY NUMBER: ENP 021 99 91 COMMERCIAL GENERAL LIABILITY
CG 20 37 12 19
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED - OWNERS, LESSEES OR
CONTRACTORS - COMPLETED OPERATIONS
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
SCHEDULE
Name Of Additional Insured Person(s)
Or Organization(s) Location And Description Of Completed Operations
ANY PERSON OR ORGANIZATION FOR WHOM YOU ANY LOCATION AT WHICH WORK OR
ARE REQUIRED TO NAME UNDER THIS OPERATIONS WERE PERFORMED BY YOU OR ON
ENDORSEMENT IN A WRITTEN CONTRACT OR YOUR BEHALF
AGREEMENT
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
A. Section II - Who Is An Insured is amended to B. With respect to the insurance afforded to these
include as an additional insured the person(s) additional insureds, the following is added to
or organization(s) shown in the Schedule, but Section III - Limits Of Insurance:
only with respect to liability for "bodily injury" or
"property damage" caused, in whole or in part, If coverage provided to the additional insured is
by "your work" at the location designated and required by a contract or agreement, the most
described in the Schedule of this endorsement we will pay on behalf of the additional insured is
performed for that additional insured and the amount of insurance:
included in the "products-completed operations 1. Required by the contract or agreement; or
hazard".
2. Available under the applicable limits of
However: insurance;
1. The insurance afforded to such additional whichever is less.
insured only applies to the extent permitted
by law; and This endorsement shall not increase the
applicable limits of insurance.
2. If coverage provided to the additional
insured is required by a contract or
agreement, the insurance afforded to such
additional insured will not be broader than
that which you are required by the contract
or agreement to provide for such additional
insured.
CG 20 37 12 19 © Insurance Services Office, Inc., 2018 Page 1 of 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BROAD FORM CONTRACTORS ADDITIONAL INSURED -
AUTOMATIC STATUS AND AUTOMATIC WAIVER OF
SUBROGATION WHEN REQUIRED IN WRITTEN CONTRACT,
AGREEMENT, PERMIT OR AUTHORIZATION
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Additional Insured - Owners, Lessees Or (1) The Coverage Part to which this
Contractors - Automatic Status For Other endorsement is attached pro-
Parties When Required In Written Contract vides coverage for "bodily injury"
Or Agreement With You or "property damage" included
within the "products-completed
1. Section II - Who Is An Insured is operations hazard"; and
amended to include as an additional in-
sured any person or organization you (2) The written contract or written
have agreed in writing in a contract or agreement requires you to pro-
agreement to add as an additional in- vide additional insured coverage
sured on this Coverage Part. Such per- included within the "products-
son(s) or organization(s) is an additional completed operations hazard"
insured only with respect to liability for: for that person or organization.
a. "Bodily injury", "property damage" or If the written contract or written
"personal and advertising injury" agreement requires you to provide
caused, in whole or in part, by the additional insured coverage included
performance of your ongoing opera- within the "products-completed oper-
tions by you or on your behalf, under ations hazard" for a specified length
that written contract or written of time for that person or organiza-
agreement. Ongoing operations does tion, the "bodily injury" or "property
not apply to "bodily injury" or "proper- damage" must occur prior to the ex-
ty damage" occurring after: piration of that period of time in order
for this insurance to apply.
(1) All work, including materials,
parts or equipment furnished in If the written contract or written
connection with such work, on agreement requires you to provide
the project (other than service, additional insured coverage for a
maintenance or repairs) to be person or organization per only ISO
performed by or on behalf of the additional insured endorsement form
additional insured(s) at the loca- number CG 20 10, without specifying
tion of the covered operations an edition date, and without specifi-
has been completed; or cally requiring additional insured
coverage included within the “prod-
(2) That portion of "your work" out of ucts-completed operations hazard”,
which the injury or damage aris- this Paragraph b. does not apply to
es has been put to its intended that person or organization.
use by any person or organiza-
tion other than another contrac- 2. If the written contract or written agree-
tor or subcontractor engaged in ment described in Paragraph 1. above
performing operations for a prin- specifically requires you to provide addi-
cipal as a part of the same pro- tional insured coverage to that person or
ject; and organization:
b. "Bodily injury" or "property damage" a. Arising out of your ongoing opera-
caused, in whole or in part, by "your tions or arising out of "your work"; or
work" performed under that written
contract or written agreement and in- b. By way of an edition of an ISO addi-
cluded in the "products-completed tional insured endorsement that in-
operations hazard", but only if: cludes arising out of your ongoing
Includes copyrighted material of Insurance
GA 4523 05 20 Services Office, Inc., with its permission. Page 1 of 3
operations or arising out of "your graph B.1., the following additional exclu-
work"; sions apply:
then the phrase caused, in whole or in This insurance does not apply to:
part, b y in Paragraph A.1.a. and/or Para-
graph A.1.b. above, whichever applies, is a. "Bodily injury", "property damage" or
replaced by the phrase arising out of. "personal and advertising injury" aris-
ing out of operations performed for
3. With respect to the insurance afforded to the federal government, state or mu-
the additional insureds described in Para- nicipality; or
graph A.1., the following additional exclu-
sion applies: b. "Bodily injury" or "property damage"
included within the "products-
This insurance does not apply to "bodily completed operations hazard."
injury", "property damage" or "personal
and advertising injury" arising out of the C. The insurance afforded to additional insureds
rendering of, or the failure to render, any described in Paragraphs A. and B.:
professional architectural, engineering or 1. Only applies to the extent permitted by
surveying services, including: law; and
a. The preparing, approving or failing to 2. Will not be broader than that which you
prepare or approve, maps, shop are required by the written contract, writ-
drawings, opinions, reports, surveys, ten agreement, written permit or written
field orders, change orders or draw- authorization to provide for such addition-
ings and specifications; or al insured; and
b. Supervisory, inspection, architectural 3. Does not apply to any person, organiza-
or engineering activities. tion, state, governmental agency or sub-
This exclusion applies even if the claims division or political subdivision specifically
against any insured allege negligence or named as an additional insured for the
other wrongdoing in the supervision, hir- same project in the schedule of an en-
ing, employment, training or monitoring of dorsement added to this Coverage Part.
others by that insured, if the "occurrence" However, Paragraphs C.1. and C.2. above do
which caused the "bodily injury" or "prop- not apply if the applicable written contract,
erty damage", or the offense which written agreement, written permit or written
caused the "personal and advertising inju- authorization requires an edition of an ISO
ry", involved the rendering of, or the fail- additional insured endorsement that does not
ure to render, any professional architec- include these provisions.
tural, engineering or surveying services.
D. With respect to the insurance afforded to the
4. This Paragraph A. does not apply to addi- additional insureds described in Paragraphs
tional insureds described in Paragraph B. A. and B., the following is added to Section III
B. Additional Insured - State Or Governmental - Limits Of Insurance:
Agency Or Subdivision Or Political Subdi- 1. The most we will pay on behalf of the ad-
vision - Automatic Status When Required ditional insured is the amount of insur-
In Written Permits Or Authorizations ance:
1. Section II - Who Is An Insured is a. Required by the written contract, writ-
amended to include as an additional in- ten agreement, written permit or writ-
sured any state or governmental agency ten authorization described in Para-
or subdivision or political subdivision you graphs A. and B. For the purpose of
have agreed in writing in a permit or au- determining the required amount of
thorization to add as an additional insured insurance only, we will include the
on this Coverage Part. Such state or gov- minimum amount of any Umbrella Li-
ernmental agency or subdivision or politi- ability or Excess Liability coverage
cal subdivision is an additional insured required for that additional insured in
only with respect to operations performed that written contract, written agree-
by you or on your behalf for which the ment, written permit or written author-
state or governmental agency or subdivi- ization; or
sion or political subdivision has issued, in
writing, a permit or authorization. b. Available under the applicable limits
of insurance;
2. With respect to the insurance afforded to
the additional insureds described in Para- whichever is less.
Includes copyrighted material of Insurance
GA 4523 05 20 Services Office, Inc., with its permission. Page 2 of 3
However, Paragraph D.1. does not apply 1. The additional insured is a Named In-
if the applicable written contract, written sured under such other insurance; and
agreement, written permit or written au-
thorization requires an edition of an ISO 2. You have agreed in writing in a contract,
additional insured endorsement that does agreement, permit or authorization de-
not include these provisions. scribed in Paragraph A. or B. that this in-
surance would be primary to any other in-
2. This endorsement shall not increase the surance available to the additional in-
applicable limits of insurance. sured.
E. Section IV - Commercial General Liability As used in this endorsement, wrap-up insur-
Conditions is amended to add the following: ance means a centralized insurance program
under which one party has secured either in-
Automatic Additional Insured Provision surance or self-insurance covering some or all
This insurance applies only if the "bodily inju- of the contractors or subcontractors perform-
ry" or "property damage" occurs, or the "per- ing work on one or more specific project(s).
sonal and advertising injury" offense is com- Primary And Noncontributory Insurance
mitted: When Required By Written Contract,
1. During the policy period; and Agreement, Permit Or Authorization
2. Subsequent to your execution of the writ- Except when wrap-up insurance applies to the
ten contract or written agreement, or the claim or "suit" on behalf of the additional in-
issuance of a written permit or written au- sured, this insurance is primary to and will not
thorization, described in Paragraphs A. seek contribution from any other insurance
and B. available to the additional insured described in
Paragraphs A. and B. provided that:
F. Except when G. below applies, the following is
added to Section IV - Commercial General 1. The additional insured is a Named In-
Liability Conditions, Other Insurance, and sured under such other insurance; and
supersedes any provision to the contrary: 2. You have agreed in writing in a contract,
When Other Additional Insured Coverage agreement, permit or authorization de-
Applies On An Excess Basis scribed in Paragraph A. or B. that this in-
surance would be primary and would not
This insurance is primary to other insurance seek contribution from any other insur-
available to the additional insured described in ance available to the additional insured.
Paragraphs A. and B. except:
As used in this endorsement, wrap-up insur-
1. As otherwise provided in Section IV - ance means a centralized insurance program
Commercial General Liability Condi- under which one party has secured either in-
tions, Other Insurance, b. Excess In- surance or self-insurance covering some or all
surance; or of the contractors or subcontractors perform-
ing work on one or more specific project(s).
2. For any other valid and collectible insur-
ance available to the additional insured as H. Section IV - Commercial General Liability
an additional insured on another insur- Conditions, Transfer Of Rights Of Recov-
ance policy that is written on an excess ery Against Others To Us is amended by the
basis. In such case, this insurance is also addition of the following:
excess.
Waiver of Subrogation
G. The following is added to Section IV - Com-
mercial General Liability Conditions, Other We waive any right of recovery against any
Insurance, and supersedes any provision to additional insured under this endorsement,
the contrary: because of any payment we make under this
endorsement, to whom the insured has
Primary Insurance When Required By Writ- waived its right of recovery in a written con-
ten Contract, Agreement, Permit Or Au- tract, written agreement, written permit or writ-
thorization ten authorization. Such waiver by us applies
only to the extent that the insured has waived
Except when wrap-up insurance applies to the its right of recovery against such additional in-
claim or "suit" on behalf of the additional in- sured prior to loss.
sured, this insurance is primary to any other
insurance available to the additional insured
described in Paragraphs A. and B. provided
that:
Includes copyrighted material of Insurance
GA 4523 05 20 Services Office, Inc., with its permission. Page 3 of 3
POLICY NUMBER: ENP 021 99 91 COMMERCIAL GENERAL LIABILITY
CG 25 03 05 09
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
DESIGNATED CONSTRUCTION PROJECT(S)
GENERAL AGGREGATE LIMIT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Designated Construction Project(s):
EACH OF THE NAMED INSURED’S CONSTRUCTION PROJECTS
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
A. For all sums which the insured becomes legal- shown in the Declarations nor shall they
ly obligated to pay as damages caused by "oc- reduce any other Designated Construction
currences" under Section I - Coverage A, and Project General Aggregate Limit for any
for all medical expenses caused by accidents other designated construction project
under Section I - Coverage C, which can be at- shown in the Schedule above.
tributed only to ongoing operations at a single
designated construction project shown in the 4. The limits shown in the Declarations for
Schedule above: Each Occurrence, Damage To Premises
Rented To You and Medical Expense
1. A separate Designated Construction Pro- continue to apply. However, instead of be-
ject General Aggregate Limit applies to ing subject to the General Aggregate Limit
each designated construction project, and shown in the Declarations, such limits will
that limit is equal to the amount of the be subject to the applicable Designated
General Aggregate Limit shown in the Construction Project General Aggregate
Declarations. Limit.
2. The Designated Construction Project B. For all sums which the insured becomes legal-
General Aggregate Limit is the most we ly obligated to pay as damages caused by "oc-
will pay for the sum of all damages under currences" under Section I - Coverage A, and
Coverage A, except damages because of for all medical expenses caused by accidents
"bodily injury" or "property damage" in- under Section I - Coverage C, which cannot be
cluded in the "products-completed opera- attributed only to ongoing operations at a sin-
tions hazard", and for medical expenses gle designated construction project shown in
under Coverage C regardless of the num- the Schedule above:
ber of:
1. Any payments made under Coverage A
a. Insureds; for damages or under Coverage C for
medical expenses shall reduce the
b. Claims made or "suits" brought; or amount available under the General Ag-
c. Persons or organizations making gregate Limit or the Products-completed
claims or bringing "suits". Operations Aggregate Limit, whichever is
applicable; and
3. Any payments made under Coverage A
for damages or under Coverage C for 2. Such payments shall not reduce any Des-
medical expenses shall reduce the Des- ignated Construction Project General Ag-
ignated Construction Project General Ag- gregate Limit.
gregate Limit for that designated con- C. When coverage for liability arising out of the
struction project. Such payments shall not "products-completed operations hazard" is
reduce the General Aggregate Limit provided, any payments for damages because
CG 25 03 05 09 © Insurance Services Office, Inc., 2008 Page 1 of 2
of "bodily injury" or "property damage" included doned and then restarted, or if the authorized
in the "products-completed operations hazard" contracting parties deviate from plans, blue-
will reduce the Products-completed Operations prints, designs, specifications or timetables,
Aggregate Limit, and not reduce the General the project will still be deemed to be the same
Aggregate Limit nor the Designated Construc- construction project.
tion Project General Aggregate Limit.
E. The provisions of Section III - Limits Of Insur-
D. If the applicable designated construction pro- ance not otherwise modified by this endorse-
ject has been abandoned, delayed, or aban- ment shall continue to apply as stipulated.
CG 25 03 05 09 © Insurance Services Office, Inc., 2008 Page 2 of 2
The Cincinnati Insurance Company
A Stock Insurance Company
Headquarters: 6200 S. Gilmore Road, Fairfield, OH 45014-5141
Mailing address: P.O. Box 145496, Cincinnati, OH 45250-5496
www.cinfin.com n 513-870-2000
COMMON POLICY DECLARATIONS
Billing Method: DIRECT BILL
POLICY NUMBER EBA 055 92 55
NAMED INSURED ECS SOUTHEAST LLC
REFER TO IA905
ADDRESS ATTN: CORPORATE ACCOUNTING
(Number & Street, 14030 THUNDERBOLT PL # 500
Town, County, CHANTILLY, VA 20151-3227
State & Zip Code)
Previous Policy Number:
EBA0559255
Policy Period: At 12:01 A.M., STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE
All coverages except Automobile and / or Garage
Policy number: FROM: TO:
Automobile and / or Garage
Policy number: EBA 055 92 55 FROM: 12-01-2024 TO: 12-01-2025
Agency ARTHUR J. GALLAGHER RISK MANAGEMENT SERVICES, LLC 45-108
City CHANTILLY, VA
Legal Entity / Business Description
ORGANIZATION (ANY OTHER)
IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS
POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY.
FORMS APPLICABLE TO ALL COVERAGE PARTS:
SKY1 11/15 NOTICE
IL0017 11/98 COMMON POLICY CONDITIONS
IA102A 09/08 SUMMARY OF PREMIUMS CHARGED
IA905 02/98 NAMED INSURED SCHEDULE
IA4480LA 04/16 LOUISIANA CHANGES - POLLUTANTS
IA4521 03/20 NOTICE OF PRIVACY PRACTICES
IP404TN 06/94 IMPORTANT INFORMATION TO POLICYHOLDERS TENNESSEE
IP446 08/01 NOTICE TO POLICYHOLDERS
AP403VA 10/14 IMPORTANT INFORMATION TO POLICYHOLDERS VIRGINIA
IA325 01/23 WAR EXCLUSION
IA4338 05/24 SIGNATURE ENDORSEMENT
IA4376KY 12/09 KENTUCKY TAXES ENDORSEMENT
MI1384KY 06/92 NOTICE TO KENTUCKY INSUREDS - AUTOMOBILE COVERAGES
AA505 03/06 BUSINESS AUTO COVERAGE PART DECLARATIONS
AA507VA 01/17 BUSINESS AUTO COVERAGE PART DECLARATIONS - VIRGINIA
IA 509 01 12 Page 1 of 2
EBA 055 92 55
11-19-2024 09:14
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
NAMED INSURED SCHEDULE
This Schedule supplements the Declarations.
SCHEDULE
Named Insured:
ECS SOUTHEAST LLC
GEM ENGINEERING INC
ATLANTA ENVIRONMENTAL MANAGEMENT INC
IA 905 02 98
THE CINCINNATI INSURANCE COMPANY
CINCINNATI, OHIO
BUSINESS AUTO COVERAGE PART DECLARATIONS
ITEM ONE
Attached to and forming part of POLICY NUMBER: EBA 055 92 55
Named Insured is the same as it appears in the Common Policy Declarations.
ITEM TWO SCHEDULE OF COVERAGES AND COVERED AUTOS
This coverage part provides only those coverages where a premium or "incl" is shown in the premium column below.
The limit of Insurance for each coverage listed is subject to all applicable policy provisions. 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.
COVERED AUTOS LIMIT
(Entry of one or more
COVERAGES of the symbols from the THE MOST WE WILL PAY FOR ANY ONE PREMIUM
COVERED AUTOS ACCIDENT OR LOSS
Section of the Business
Auto Coverage Form
shows which autos are
covered autos)
LIABILITY 1 $ 1,000,000 INCL
PERSONAL INJURY PROTECTION Separately stated in each P.I.P.
(or equivalent No-fault coverage) 5 endorsement minus $ NONE Ded. INCL
ADDED PERSONAL INJURY Separately stated in each added P.I.P.
PROTECTION (or equivalent endorsement
added No-fault coverage)
PROPERTY PROTECTION Separately stated in each P. P.I.
INSURANCE (Michigan only) endorsement minus $ Ded
for each accident
AUTO. MEDICAL PAYMENTS 2
$ 5,000 INCL
UNINSURED MOTORISTS 2, 10
$ SEE AA4183 INCL
UNDERINSURED MOTORISTS
(When not included in $ SEE AA4183 INCL
Uninsured Motorists Coverage) 2, 10
Actual cash value or cost of repair,
PHYSICAL DAMAGE Whichever is less minus $ SEE AA4183
COMPREHENSIVE COVERAGE 2, 8 Ded. For each covered auto. But no
Deductible applies to loss caused by INCL
Fire or lightning. See Item Three for hired or
borrowed "autos"
Actual cash value or cost of repair,
PHYSICAL DAMAGE SPECIFIED Whichever is less minus $ Ded. For
CAUSES OF LOSS COVERAGE Each covered auto. For loss caused by mischief
or vandalism. See Item Three for hired or
borrowed "autos"
PHYSICAL DAMAGE Actual cash value or cost of repair,
COLLISION COVERAGE 2, 8 Whichever is less minus $ SEE AA4183 INCL
Ded for each covered auto. See Item
Three for hired or borrowed "autos".
PHYSICAL DAMAGE INSURANCE
TOWING AND LABOR 10 $ SEE AA4183 for each disablement of a INCL
private passenger auto
PREMIUM FOR ENDORSEMENTS
*ESTIMATED TOTAL PREMIUM
INCL
FORMS AND ENDORSEMENTS CONTAINED IN THIS COVERAGE PART AT ITS INCEPTION:
AA4183 02/06 AUTOMOBILE SCHEDULE
AA101 03/06 BUSINESS AUTO COVERAGE FORM
AA4073LA 04/98 LOUISIANA STATE SPECIFIC ENDORSEMENTS ADVISORY NOTICE TO
POLICYHOLDERS
Includes copyrighted material of Insurance
AA 505 03 06 Services Office, Inc., with its permission. Page 1 of 3
11-19-2024 09:14 EBA 055 92 55
FORMS AND ENDORSEMENTS CONTAINED IN THIS COVERAGE PART AT ITS INCEPTION:
AA4376MS 01/21 MISSISSIPPI UNINSURED MOTORISTS COVERAGE BODILY INJURY AND
PROPERTY DAMAGE - STACKED
CA0103 10/13 LOUISIANA CHANGES
CA2148 10/13 LOUISIANA UNINSURED MOTORISTS COVERAGE - BODILY INJURY
CA2181 10/13 LOUISIANA UNINSURED MOTORISTS COVERAGE - PROPERTY DAMAGE
ILU039 11/14 MISSISSIPPI UNINSURED MOTORISTS COVERAGE SELECTION/REJECTION
ILU054 09/08 STATE OF LOUISIANA UNINSURED / UNDERINSURED MOTORIST BODILY INJURY
COVERAGE FORM
AA2009 01/17 CHANGES - TOWING AND LABOR
AA252AL 12/13 ALABAMA UNINSURED MOTORISTS COVERAGE
AA296 07/12 CHANGES - AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE
AA4001KY 11/16 KENTUCKY UNINSURED MOTORIST COVERAGE
AA4002KY 11/16 KENTUCKY UNDERINSURED MOTORIST COVERAGE
AA4004 03/06 ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION
AA4026SC 01/16 SOUTH CAROLINA UNINSURED MOTORISTS COVERAGE
AA4027SC 09/24 SOUTH CAROLINA UNDERINSURED MOTORIST COVERAGE
AA4059SC 09/97 NOTICE TO POLICYHOLDERS
AA405SC 01/99 NOTICE TO POLICY HOLDERS SOUTH CAROLINA PHYSICAL DAMAGE DEDUCTIBLE
OPTIONS
AA4106AL 03/00 IMPORTANT NOTICE ABOUT THE POLICY OF INSURANCE FOR WHICH YOU HAVE
APPLIED
AA4124SC 09/19 SOUTH CAROLINA OFFER OF ADDITIONAL UNINSURED MOTORIST COVERAGE AND
OPTIONAL UNDERINSURED MOTORIST COVERAGE
AA4153AL 11/13 UNINSURED MOTORISTS INSURANCE OPTION SELECTION OR REJECTION FORM
ALABAMA
AA4154AL 01/04 UNINSURED MOTORISTS COVERAGE(S) OPTION SELECTION FORM - ADDENDUM
ALABAMA
AA4214 08/07 COVERED AUTO DESIGNATION SYMBOL
AA4223SC 07/24 SOUTH CAROLINA CHANGES
AA4231 08/08 SUPPLEMENTARY SCHEDULE FOR BUSINESS AUTO--ITEMS FOUR, FIVE, AND
SIX
AA4234GA 10/17 GEORGIA UNINSURED MOTORIST COVERAGE - ADDED-ON TO AT-FAULT
LIABILITY LIMITS
AA4241GA 10/17 GEORGIA UNINSURED/UNDERINSURED MOTORIST COVERAGE OFFER AND OPTION
SELECTION FORM
AA4243NC 02/10 NORTH CAROLINA UNINSURED / UNDERINSURED MOTORISTS COVERAGE NOTICE
AA4263 04/10 OFFICE OF FOREIGN ASSETS CONTROL (OFAC) COMPLIANCE ENDORSEMENT
AA4330KY 11/17 UNINSURED/UNDERINSURED MOTORIST COVERAGE OPTION
SELECTION/REJECTION FORM - KENTUCKY
AA4364SC 06/19 SOUTH CAROLINA NOTICE TO POLICYHOLDERS - COMMERCIAL AUTOMOBILE
CANCELLATION
AA4409KY 11/24 KENTUCKY CHANGES
AA450 10/10 COMPOSITE RATE AUTO ENDORSEMENT
AA480TN 02/06 TENNESSEE UNINSURED MOTORISTS COVERAGE
ACORD60SC 09/19 SOUTH CAROLINA AUTO SUPPLEMENT
AP401TN 08/22 UNINSURED MOTORISTS COVERAGE OPTION SELECTION FORM TENNESSEE
AP415NC 01/09 NORTH CAROLINA SELECTION OF HIGHER UNINSURED/UNDERINSURED
MOTORISTS COVERAGE LIMITS
CA0126 07/10 NORTH CAROLINA CHANGES
CA0146 07/01 TENNESSEE CHANGES
CA2116 04/10 NORTH CAROLINA UNINSURED MOTORISTS COVERAGE
CA2216 03/11 KENTUCKY PERSONAL INJURY PROTECTION
MCS90 05/23 ENDORSEMENT FOR MOTOR CARRIER POLICIES OF INSURANCE FOR PUBLIC
LIABILITY UNDER SECTIONS 29 AND 30 OF THE MOTOR CARRIER ACT OF
1980
AA247 03/06 DRIVE OTHER CAR COVERAGE - BROADENED COVERAGE FOR NAMED
INDIVIDUALS
AA261 07/14 AUTO MEDICAL PAYMENTS COVERAGE
AA261SC 01/15 AUTO MEDICAL PAYMENTS COVERAGE - SOUTH CAROLINA
AA288 06/20 CINCIPLUS® BUSINESS AUTO XC+® (EXPANDED COVERAGE PLUS) ENDORSEMENT
* This policy may be subject to final audit
Includes copyrighted material of Insurance
AA 505 03 06 Services Office, Inc., with its permission. Page 2 of 3
11-19-2024 09:14 EBA 055 92 55
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CinciPlus®
BUSINESS AUTO XC+®
(EXPANDED COVERAGE PLUS)
ENDORSEMENT
This endorsement modifies insurance provided by the following:
BUSINESS AUTO COVERAGE FORM
With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless
modified by this endorsement.
A. Blanket Waiver of Subrogation This provision does not apply unless the valid
written contract has been:
SECTION IV - BUSINESS AUTO CONDI-
TIONS, A. Loss Conditions, 5. Transfer of 1. Executed prior to the accident causing
Rights of Recovery Against Others to Us is "bodily injury" or "property damage"; and
amended by the addition of the following:
2. Is still in force at the time of the "accident"
We waive any right of recovery we may have causing "bodily injury" or "property dam-
against any person or organization because of age".
payments we make for "bodily injury" or
"property damage" arising out of the operation D. Employee Hired Auto
of a covered "auto" when you have assumed 1. Changes in Liability Coverage
liability for such "bodily injury" or "property
damage" under an "insured contract", provid- The following is added to the SECTION II
ed the "bodily injury" or "property damage" oc- - LIABILITY COVERAGE, A. Coverage,
curs subsequent to the execution or the "in- 1. Who is an Insured:
sured contract".
An "employee" of yours is an "insured"
B. Noncontributory Insurance while operating an "auto" hired or rented
under a contract or agreement in that
SECTION IV - BUSINESS AUTO CONDI- "employee's" name, with your permission,
TIONS, B. General Conditions, 5. Other In- while performing duties related to the
surance c. is deleted in its entirety and re- conduct of your business.
placed by the following:
2. Changes in General Conditions
c. Regardless of the provisions of Par-
agraph a. above, this Coverage SECTION IV - BUSINESS AUTO CON-
Form's Liability Coverage is primary DITIONS, B. General Conditions, 5.
and we will not seek contribution Other Insurance is deleted in its entirety
from any other insurance for any lia- and replaced by the following:
bility assumed under an "insured
contract" that requires liability to be b. For Hired Auto Physical Damage
assumed on a primary noncontributo- Coverage the following are deemed
ry basis. to be covered "autos" you own:
C. Additional Insured by Contract (1) Any covered "auto" you lease,
hire, rent or borrow; and
SECTION II - LIABILITY COVERAGE, A.
Coverage, 1. Who is an Insured is amended (2) Any covered "auto" hired or
to include as an insured any person or organi- rented by your "employee" under
zation for whom you have agreed in a valid a contract in that individual "em-
written contract to provide insurance as af- ployee's" name, with your per-
forded by this policy. mission, while performing duties
related to the conduct of your
This provision is limited to the scope of the business.
valid written contract.
Includes copyrighted material of ISO
AA 288 06 20 Properties, Inc., with its permission. Page 1 of 4
However, any "auto" that is leased, a. Is effective on the date of acquisition
hired, rented or borrowed with a driver or formation, and is afforded for 180
is not a covered "auto". days after such date;
E. Audio, Visual and Data Electronic Equip- b. Does not apply to "bodily injury" or
ment "property damage" resulting from an
"accident" that occurred before you
SECTION III - PHYSICAL DAMAGE COV- acquired or formed the organization;
ERAGE, C. Limit of Insurance is amended
by adding the following: c. Does not apply to any newly acquired
or formed organization that is a joint
4. The most we will pay for all "loss" to au- venture or partnership; and
dio, visual or data electronic equipment
and any accessories used with this d. Does not apply to an insured under
equipment as a result of any one "acci- any other automobile liability policy or
dent" is the lesser of: would be an insured under such a
policy but for the termination of such
a. The actual cash value of the dam- policy or the exhaustion of such poli-
aged or stolen property as of the time cy's limits of insurance.
of the "accident";
3. Any of your "employees" while using a
b. The cost of repairing or replacing the covered "auto" in your business or your
damaged or stolen property with oth- personal affairs, provided you do not own,
er property of like kind and quality; or hire or borrow that "auto".
c. $2,500. G. Liability Coverage Extensions - Supple-
Provided the equipment, at the time of the mentary Payments - Higher Limits
"loss" is: SECTION II - LIABILITY COVERAGE, A.
a. Permanently installed in or upon the Coverage, 2. Coverage Extensions, a. Sup-
covered "auto" in a housing, opening plementary Payments is amended by:
or other location that is not normally 1. Replacing the $2,000 Limit of Insurance
used by the "auto" manufacturer for for bail bonds with $4,000 in (2); and
the installation of such equipment;
2. Replacing the $250 Limit of Insurance for
b. Removable from a permanently in- reasonable expenses with $500 in (4).
stalled housing unit as described in
Paragraph 2.a. above; or H. Amended Fellow Employee Exclusion
c. An integral part of such equipment. SECTION II - LIABILITY COVERAGE, B. Ex-
clusions, 5. Fellow Employee is modified as
F. Who is an Insured - Amended follows:
SECTION II - LIABILITY COVERAGE, A. Exclusion 5. Fellow Employee is deleted.
Coverage, 1. Who is an Insured is amended
by adding the following: I. Hired Auto - Physical Damage
The following are "insureds": If hired "autos" are covered "autos" for Liability
Coverage, then Comprehensive and Collision
1. Any subsidiary which is a legally incorpo- Physical Damage Coverages as provided un-
rated entity of which you own a financial der SECTION III - PHYSICAL DAMAGE
interest of more than 50% of the voting COVERAGE of this Coverage Part are ex-
stock on the effective date of this cover- tended to "autos" you hire, subject to the fol-
age form. lowing:
However, the insurance afforded by this 1. The most we will pay for "loss" to any
provision does not apply to any subsidiary hired "auto" is $50,000 or the actual cash
that is an "insured" under any other au- value or cost to repair or replace, which-
tomobile liability policy or would be an "in- ever is the least, minus a deductible.
sured" under such policy but for termina-
tion of such policy or the exhaustion of 2. The deductible will be equal to the largest
such policy's limits of insurance. deductible applicable to any owned "auto"
for that coverage, or $1,000, whichever is
2. Any organization that is newly acquired or less.
formed by you and over which you main-
tain majority ownership. The insurance 3. Hired Auto - Physical Damage coverage
provided by this provision: is excess over any other collectible insur-
ance.
Includes copyrighted material of ISO
AA 288 06 20 Properties, Inc., with its permission. Page 2 of 4
4. Subject to the above limit, deductible, and K. Transportation Expense - Higher Limits
excess provisions we will provide cover-
age equal to the broadest coverage appli- SECTION III - PHYSICAL DAMAGE COV-
cable to any covered "auto" you own in- ERAGE, A. Coverage, 4. Coverage Exten-
sured under this policy. sions is amended by replacing $20 per day
with $50 per day, and $600 maximum with
Coverage includes loss of use of that hired au- $1,500 maximum in Extension a. Transpor-
to, provided it results from an "accident" for tation Expenses.
which you are legally liable and as a result of
which a monetary loss is sustained by the L. Airbag Coverage
leasing or rental concern. The most we will SECTION III - PHYSICAL DAMAGE COV-
pay for any one "accident" is $3,000. ERAGE, B. Exclusions, 3.a. is amended by
If a limit for Hired Auto - Physical Damage is adding the following:
shown in the Schedule, then that limit replac- However, the mechanical and electrical
es, and is not added to, the $50,000 limit indi- breakdown portion of this exclusion does not
cated above and the deductibles shown in the apply to the accidental discharge of an airbag.
Schedule are applicable. This coverage for airbags is excess over any
J. Rental Reimbursement other collectible insurance or warranty.
SECTION III - PHYSICAL DAMAGE COV- M. Loan or Lease Gap Coverage
ERAGE is amended by adding the following: 1. SECTION III - PHYSICAL DAMAGE
1. We will pay for rental reimbursement ex- COVERAGE, C. Limit of Insurance is
penses incurred by you for the rental of deleted in its entirety and replaced by the
an "auto" because of a "loss" to a covered following, but only for private passenger
"auto". Payment applies in addition to the type "autos" with an original loan or lease,
otherwise applicable amount of each cov- and only in the event of a "total loss" to
erage you have on a covered "auto". No such a private passenger type "auto":
deductible applies to this coverage. a. The most we will pay for "loss" in any
2. We will pay only for those expenses in- one "accident" is the greater of:
curred during the policy period beginning (1) The amount due under the terms
24 hours after the "loss" and ending, re- of the lease or loan to which
gardless of the policy's expiration, with your covered private passenger
the lesser of the following number of type "auto" is subject, but will not
days: include:
a. The number of days reasonably re- (a) Overdue lease or loan pay-
quired to repair the covered "auto". If ments;
"loss" is caused by theft, this number
of days is added to the number of (b) Financial penalties imposed
days it takes to locate the covered under the lease due to high
"auto" and return it to you; or mileage, excessive use or
abnormal wear and tear;
b. 30 days.
(c) Security deposits not re-
3. Our payment is limited to the lesser of the funded by the lessor;
following amounts:
(d) Costs for extended warran-
a. Necessary and actual expenses in- ties, Credit Life Insurance,
curred; or Health, Accident or Disabil-
b. $50 per day. ity Insurance purchased
with the loan or lease; and
4. This coverage does not apply while there
are spare or reserve "autos" available to (e) Carry-over balances from
you for your operations. previous loans or leases, or
5. We will pay under this coverage only that (2) Actual cash value of the stolen
amount of your rental reimbursement ex- or damaged property.
penses which is not already provided for b. An adjustment for depreciation and
under SECTION III - PHYSICAL DAM- physical condition will be made in de-
AGE COVERAGE, A. Coverage, 4. termining actual cash value at the
Coverage Extensions. time of "loss".
Includes copyrighted material of ISO
AA 288 06 20 Properties, Inc., with its permission. Page 3 of 4
2. SECTION V - DEFINITIONS is amended P. Unintentional Failure to Disclose Hazards
by adding the following, but only for the
purposes of this Loan or Lease Gap SECTION IV - BUSINESS AUTO CONDI-
Coverage: TIONS, B. General Conditions, 2. Conceal-
ment, Misrepresentation or Fraud is
"Total loss" means a "loss" in which the amended by adding the following:
cost of repairs plus the salvage value ex-
ceeds the actual cash value. However, if you unintentionally fail to disclose
any hazards existing on the effective date of
N. Glass Repair - Waiver of Deductible this Coverage Form, we will not deny cover-
age under this Coverage Form because of
SECTION III - PHYSICAL DAMAGE COV- such failure.
ERAGE, D. Deductible is amended by adding
the following: Q. Mental Anguish Resulting from Bodily Inju-
ry
No deductible applies to glass damage if the
glass is repaired in a manner acceptable to us SECTION V - DEFINITIONS, C. "Bodily inju-
rather than replaced. ry" is deleted in its entirety and replaced by
the following:
O. Duties in the Event of an Accident, Claim,
Suit or Loss - Amended "Bodily injury" means bodily injury, sickness or
disease sustained by a person, including men-
SECTION IV - BUSINESS AUTO CONDI- tal anguish and death sustained by the same
TIONS, A. Loss Conditions, 2. Duties in the person that results from such bodily injury,
Event of Accident, Claim, Suit or Loss, a. is sickness or disease. "Bodily injury" does not
amended by adding the following: include mental anguish or death that does not
This condition applies only when the "acci- result from bodily injury, sickness or disease.
dent" or "loss" is known to: R. Coverage for Certain Operations in Con-
1. You, if you are an individual; nection with Railroads
2. A partner, if you are a partnership; With respect to the use of a covered "auto" in
operations for or affecting a railroad:
3. An executive officer or insurance manag-
er, if you are a corporation; or 1. SECTION V - DEFINITIONS, H. "Insured
contract", 1.c. is deleted in its entirety and
4. A member or manager, if you are a lim- replaced by the following:
ited liability company.
c. An easement or license agreement;
2. SECTION V - DEFINITIONS, H. "Insured
contract", 2.a. is deleted.
Includes copyrighted material of ISO
AA 288 06 20 Properties, Inc., with its permission. Page 4 of 4
Chubb Group of Insurance Companies INFORMATION PAGE
436 Walnut Street, Philadelphia, PA 19106 WORKERS COMPENSATION AND
EMPLOYERS LIABILITY POLICY
Item 1. Name & Mailing Address of the Insured Issued by Bankers Standard Insurance
ECS SOUTHEAST, LLC Company
14030 THUNDERBOLT PLACE a stock insurance company
SUITE 500 incorporated in PENNSYLVANIA
CHANTILLY, VA 20151
N.C.C.I. Carrier Code 20206
FEIN 20-2806940
TEL#: # of EMP: Policy Number (25) 7176-41-67
UI#:
Insured is: Limited Liability Partnership
Name & Address of the Producer Previous Policy Number (24) 7176-41-67
ARTHUR J GALLAGHER RISK MANAGEMENT
SERVICES LLC
14026 THUNDERBOLT DRIVE
SUITE 200
CHANTILLY 20151
Producer Number 0050141
OTHER WORK PLACES NOT SHOWN ABOVE - SEE ATTACHED EXTENSION OF INFORMATION PAGE
Item 2. POLICY PERIOD
12:01 A.M. standard time at the insured's mailing address FROM 12/01/24 TO 12/01/25
Item 3. A. WORKERS COMPENSATION INSURANCE: Part One of the policy applies to the Workers Compensation Law
of the states listed here: AL, GA, HI, KY, LA, MS, NC, SC, TN
B. EMPLOYERS LIABILITY INSURANCE: Part Two of the policy applies to work in each state listed in Item
3A. The limits of our liability under Part Two are:
Bodily Injury by Accident $ 1,000,000 each accident
Bodily Injury by Disease $ 1,000,000 policy limit
Bodily Injury by Disease $ 1,000,000 each employee
C. OTHER STATES INSURANCE: Part Three of the policy applies to the states, if any, listed here: All States,
Except states designated in Item 3.A and ND, OH, WA, WY
D. Endorsements (Form No.) Refer To Extension of Information Page "List of Endorsements & Schedules"
Item 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.
Refer to Extension of Information Page
Minimum Premium: $ Total Estimated Premium:
Minimum Premium State: MISSISSIPPI Total State Surcharges:
Expense Constant: MISSISSIPPI ($250 INCL) Total Estimated Charge:
Premium Adjustment Period: AT EXPIRATION Deposit Amount:
CHUBB GROUP OF INSURANCE COMPANIES:
1001 G STREET NW
SUITE 400
WASHINGTON, DC 20001-1401
11/08/24
Authorized Representative and Date Signed
Issue Date: 11/08/24
Form WC 00 00 01A (Rev. 5-88) Includes copyright material of the National Council on Compensation Insurance,used
with its permission. Copyright 1987, National Council on Compensation Insurance
Insured Copy
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 03 13
(Ed. 4-84)
WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT
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
ANY PERSON OR ORGANIZATION FOR WHOM THE
NAMED INSURED HAS AGREED BY WRITTEN
CONTRACT TO FURNISH THIS WAIVER.
For policies or exposure in Missouri:
Any person or organization for which the employer has agreed by written contract, executed prior to loss,
may execute a waiver of subrogation. However, for purposes of work performed by the employer in
Missouri, this waiver of subrogation does not apply to any construction group of classifications as
designated by the waiver of right to recover from others (subrogation) rule in our manual.
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 12-01-24 Policy No. 71764167 Endorsement No.
Insured ECS SOUTHEAST, LLC Premium $ Incl.
Insurance Company Bankers Standard Insurance Company
Countersigned By
WC 00 03 13
(Ed. 4-84)
© 1983 National Council on Compensation Insurance.
Insured Copy
07-02-2315 COMMERCIAL EXCESS AND UMBRELLA DECLARATIONS
Chubb Commercial Excess And Umbrella Insurance
Declarations
Chubb Group of Insurance Companies
202B Hall's Mill Road,
Whitehouse Station, NJ 08889
Named Insured and Mailing Address
ECS SOUTHEAST, LLC Policy Number 7989-13-44
14030 THUNDERBOLT PLACE
SUITE 500
CHANTILLY, VA 20151
Issued by the stock insurance company
indicated below, herein called the company.
FEDERAL INSURANCE COMPANY
Producer No. IT9573 / 0050141 Incorporated under the laws of INDIANA
Producer ARTHUR J GALLAGHER RISK MANAGEMENT SERVICES LLC
14026 THUNDERBOLT DR 200
CHANTILLY, VA 20151-0000
Policy Period
From: DECEMBER 1, 2024 To: DECEMBER 1, 2025
12:01 A.M. standard time at the Named Insured's mailing address shown above.
Premium
Limits of Insurance
Excess Coverage Other Aggregate Limit (as applicable) $5,000,000
Umbrella Coverages Aggregate Limit $5,000,000
Products Completed Operations Aggregate Limit $5,000,000
Advertising Injury and Personal Injury Aggregate Limit $5,000,000
Each Occurrence Limit $5,000,000
Authorization
In Witness Whereof, the company issuing this policy has caused this policy to be signed by its authorized officers.
FEDERAL INSURANCE COMPANY
Secretary President
Authorized Representative
December 10, 2024
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-2315 (Ed. 2-09) Declarations Page 1 of 1
Chubb Commercial Excess And Umbrella Insurance
Schedule Of Underlying Insurance
Effective Date: DECEMBER 1, 2024
Policy Number: 7989-13-44
Insured: ECS SOUTHEAST, LLC
Description Limits
07-02-0922 SCHEDULE OF UNDERLYING INSURANCE
Employers Liability
Insurer: BANKERS STANDARD INSURANCE COMPANY
Policy No.: 7176-41-67 Coverage B - Employer's Liability
Policy Period: 12/01/2024 Bodily Injury By Accident
to: 12/01/2025 $1,000,000 Each Accident
Bodily Injury By Disease
$1,000,000 Policy Limit
$1,000,000 Each Employee
Commercial General Liability
Insurer: THE CINCINNATI INDEMNITY COMPANY
Policy No.: ENP 021 99 91 $1,000,000 Each Occurrence
Policy Period: 12/01/2024 $2,000,000 General Aggregate
to: 12/01/2025 $2,000,000 Products/Completed
Operations Aggregate
Occurrence $1,000,000 Personal and Advertising
Injury (aggregate when
applicable)
Automobile Liability
Insurer: THE CINCINNATI INSURANCE COMPANY
Policy No.: EBA 055 92 55 $1,000,000 Each Accident
Policy Period: 12/01/2024
to: 12/01/2025
Chubb Commercial Excess and Umbrella Insurance
Form 07-02-0922 (Rev. 7-01) Schedule Of Underlying Insurance Page 1 of 2
Chubb Commercial Excess And Umbrella Insurance
Schedule Of Underlying Insurance
Effective Date: DECEMBER 1, 2024
Policy Number: 7989-13-44
Insured: ECS SOUTHEAST, LLC
Description Limits
Employee Benefits Liability
Insurer: THE CINCINNATI INDEMNITY COMPANY
Policy No.: ENP 021 99 91 $1,000,000 Each Claim
Policy Period: 12/01/2024
to: 12/01/2025 $3,000,000 Aggregate
Claims Made
Retroactive Date 12/01/2013
Authorization All other terms and conditions remain unchanged.
Authorized Representative
December 10, 2024
Chubb Commercial Excess and Umbrella Insurance
Form 07-02-0922 (Rev. 7-01) Schedule Of Underlying Insurance Page 2 of 2
07-02-0822 SCHEDULE OF FORMS
Chubb Commercial Excess And Umbrella Insurance
Schedule Of Forms
Policy Period DECEMBER 1, 2024 To DECEMBER 1, 2025
Effective Date DECEMBER 1, 2024
Policy Number 7989-13-44
Insured ECS SOUTHEAST, LLC
Name of Company FEDERAL INSURANCE COMPANY
Date Issued December 10, 2024
Form Number
As of the effective date printed above, this is the Schedule Of Forms applicable to this policy:
PREMIUM BILL 07-10-0542 (10/06)
PREMIUM BILL 07-10-0542I (10/06)
IMPORTANT INFORMATION TO POLICYHOLDERS -VA 07-10-0329 (07/01)
DIRECT BILL NOTICE 99-10-0460 (02/97)
IMPORTANT NOTICE TO POLICYHOLDERS-TRIA 2002 99-10-0732 (01/15)
VIRGINIA IMPORTANT NOTICE - CONTACT INFO. 99-10-0786 (01/04)
IMPORTANT NOTICE - OFAC 99-10-0796 (09/04)
AOD IMPORTANT POLICYHOLDER NOTICE 99-10-0872 (06/07)
COMMERCIAL EXCESS AND UMBRELLA DECLARATIONS 07-02-2315 (02/09)
SCHEDULE OF UNDERLYING INSURANCE 07-02-0922 (07/01)
CHUBB COMMERCIAL EXCESS & UMBRELLA INSURANCE 07-02-0815 (07/01)
COND VA - CANCEL AND WHEN WE DO NOT RENEW 07-02-2049 (04/04)
VA MAND-WHO IS INSURED/NEWLY ACQ OR FORM ORGS 07-02-2050 (01/04)
CONDITIONS VIRGINIA MANDATORY - CHANGES 07-02-2058 (01/04)
VA-COVERAGE CRISIS ASSISTANCE EXCESS AND UMB 07-02-2354 (04/11)
COND - CIVIL UNIONS OR DOMESTIC PARTNERSHIPS 07-02-2483 (03/12)
CARE, CONTROL OR CUSTODY - POLICY EXCLUSION 07-02-0837 (07/01)
CONTRACTORS EXCLUSION 07-02-0838 (07/01)
POLICY EXCLUSION-SCHED PERSON OR ORGANIZATION 07-02-0857 (03/06)
PROFESSIONAL SERVICES EXCL 07-02-0864 (07/01)
POLLUTION EXCL. - EXCESS FOLLOW-FORM COV. A 07-02-0885 (07/01)
PRODUCTS COMPLETED - COV. B EXCLUSION 07-02-0890 (07/01)
LIMITATIONS ON WHO IS AN INSURED - COV. B 07-02-0951 (07/01)
LEAD EXCLUSION 07-02-1153 (07/01)
NAMED INSURED 07-02-1477 (07/01)
BIOLOGICAL AGENTS EXCL. 07-02-1692 (07/01)
CAP ON CERTIFIED TERRORISM LOSSES 07-02-1961 (01/15)
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0822 (Rev. 7-01) Schedule Of Forms Page 1 of 2
COVERAGE/EX FOLLOW-FORM COV A-CLAIMS MADE-VA 07-02-2053 (07/13)
LIMITS OF INS-NON-ACCUMULATION OF LIMITS VA 07-02-2054 (01/04)
POLICY EXCL-EXT INSULATION & FINISH SYS(EIFS) 07-02-2154 (03/06)
EXCL. ASBESTOS,SILICA,SIM CMPDS, MIXED DUST 07-02-2194 (04/05)
CONDITIONS - OTHER INSURANCE 07-02-2291 (03/10)
COV B EXCL-INTELLECTUAL PROP LAWS OR RIGHTS 07-02-2420 (05/10)
CRISIS ASSISTANCE SERVICE PROVIDERS 07-02-2455 (12/10)
NOTICE OF CANCEL SCHED PERSONS/ORG EXCPT NP 07-02-2472 (03/11)
POL EXCL-ABUSE MOLEST, ACTL, ALLGD OR THREAT 07-02-2518 (05/12)
POLICY EXCLUSION - WAR 07-02-2741 (03/17)
POLICY EXCLUSION – VIOLATION OF LAWS ADDRESSING DATA PRIVACY 07-02-2978 (04/23)
EXCLUSION/UMBRELLA COVERAGE B – CYBER INCIDENT 07-02-2997 (11/23)
CONDITION - ADDITIONAL BENEFITS 07-02-3008 (03/24)
POLICY EXCLUSION - RECORDING AND DISTRIBUTION OF MATERIAL OR 07-02-2172 (06/23)
INFORMATION IN VIOLATION OF LAW
COV A EXCL – ACCESS TO OR DISCLOSURE OF CONFIDENTIAL OR 07-02-2853 (04/23)
PERSONAL MATERIAL OR INFO & ELECTRONIC DATA-RELATED LIABILITY
WITH EXCEPTIONS; COV B EXCL – ACCESS TO OR DISCLOSURE OF
CONFIDENTIAL OR PERSONAL MATERIAL OR INFO & ELECTRONIC DATA-
RELATED LIABILITY
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0822 (Rev. 7-01) Schedule Of Forms Page 2 of 2
07-02-2291 CONDITIONS - OTHER INSURANCE
Chubb Commercial Excess And Umbrella Insurance
Endorsement
Policy Period DECEMBER 1, 2024 To DECEMBER 1, 2025
Effective Date DECEMBER 1, 2024
Policy Number 7989-13-44
Insured ECS SOUTHEAST, LLC
Name of Company FEDERAL INSURANCE COMPANY
Date Issued December 10, 2024
Under Conditions, Other Insurance is deleted and replaced by the following:
Conditions
Other Insurance If other valid and collectible insurance is available to the insured for loss we would otherwise
cover under this insurance, our obligations are limited as follows:
A. This insurance is excess over any other insurance, whether primary, excess, contingent
or on any other basis.
B. We will have no duty to defend the insured against any suit if any provider of any other
insurance has a duty to defend such insured against such suit.
C. We will only pay our share of the amount of loss, if any, that exceeds the sum of the
total:
1. amount that all other insurance would pay for loss in absence of this insurance;
and
2. of all deductible and self-insured amounts under all other insurance.
D. This insurance is not subject to the terms or conditions of any other insurance.
However, with respect to Coverage/Excess Follow-Form Coverage A only, paragraphs A. and
B. above do not apply if:
• underlying insurance has agreed to provide insurance on a primary non-contributory
basis to a person or organization; and
Chubb Commercial Excess And Umbrella Insurance Conditions – Other Insurance
Form 07-02-2291 (Ed. 3-10) Endorsement Page 1 of 2
Conditions
Other Insurance • the insured is obligated pursuant to a written contract or agreement, made prior to injury,
(continued) damage or offense covered by this insurance, to provide such person or organization with
insurance on a primary or non-contributory basis under this insurance;
then this insurance will not seek contribution from insurance available to such person or
organization.
All other terms and conditions remain unchanged.
Authorized Representative
December 10, 2024
Chubb Commercial Excess And Umbrella Insurance Conditions – Other Insurance
Form 07-02-2291 (Ed. 3-10) Endorsement Page 2 of 2
Chubb Commercial Excess And Umbrella Insurance
Contract
Please read the entire policy carefully. The terms and conditions of this insurance include the
various sections of this contract: Coverages; Investigation, Defense And Settlements;
Supplementary Payments; Coverage Territory; Who Is An Insured; Limits Of Insurance; When
Excess Follow-Form Coverage A Applies (Drop Down); Exclusions; Conditions and
Definitions, as well as the Declarations and any Endorsements and Schedules made a part of
this insurance.
Throughout this contract the words "you" and "your" refer to the Named Insured shown in the
Declarations and other persons or organizations qualifying as a Named Insured under this
contract. The words "we," "us" and "our" refer to the Company providing this insurance.
In addition to the Named Insured, other persons or organizations may qualify as insureds.
Those persons or organizations and the conditions under which they qualify are identified in
the Who Is An Insured section of this contract.
Words and phrases that appear in bold print have special meanings and are defined in the
Definitions section of this contract.
Coverage/ Subject to all of the terms and conditions applicable to Excess Follow-Form Coverage A, we
Excess Follow-Form will pay, on behalf of the insured, that part of loss to which this coverage applies, which
exceeds the applicable underlying limits.
Coverage A
This coverage applies only if the triggering event that must happen during the policy period of
the applicable underlying insurance happens during the policy period of this insurance.
This coverage will follow the terms and conditions of underlying insurance described in the
Schedule Of Underlying Insurance, unless a term or condition contained in this coverage:
• differs from any term or condition contained in the applicable underlying insurance; or
• is not contained in the applicable underlying insurance.
With respect to such exceptions described above, the terms and conditions contained in this
coverage will apply, to the extent that such terms and conditions provide less coverage than the
terms and conditions of the applicable underlying insurance.
This coverage does not apply to any part of loss within underlying limits, or any related costs
or expenses.
We have no obligation under this insurance with respect to any claim or suit settled without
our consent.
Other than as provided under the Investigation, Defense And Settlements and Supplementary
Payments sections of this contract, we have no other obligation or liability to pay sums or
perform acts or services under this coverage.
Coverages/
Umbrella Coverage B
Bodily Injury And Subject to all of the terms and conditions applicable to Umbrella Coverage B, we will pay, on
Property Damage behalf of the insured, loss by reason of liability:
Liability Coverage • imposed by law; or
• assumed in an insured contract;
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0815 (Rev. 7-01) Contract Page 3 of 32
Coverages/
Umbrella Coverage B
Bodily Injury And for bodily injury or property damage caused by an occurrence to which this coverage
Property Damage applies.
Liability Coverage This coverage applies only to such bodily injury or property damage that occurs during the
(continued) policy period.
Damages for bodily injury include damages claimed by a person or organization for care or
loss of services resulting at any time from the bodily injury.
This coverage does not apply to any part of:
A. loss to which underlying insurance would apply, regardless of whether or not:
1. underlying insurance is available; and
2. the applicable underlying limits have been exhausted;
B. loss to which underlying limits apply; or
C. any costs or expenses related to loss as described in paragraphs A. or B. above.
We have no obligation under this insurance with respect to any claim or suit settled without our
consent.
Other than as provided under the Investigation, Defense And Settlements and Supplementary
Payments sections of this contract, we have no other obligation or liability to pay sums or
perform acts or services under this coverage.
Advertising Injury And Subject to all of the terms and conditions applicable to Umbrella Coverage B, we will pay, on
Personal Injury behalf of the insured, loss because of liability:
Liability Coverage • imposed by law; or
• assumed in an insured contract;
for advertising injury or personal injury to which this coverage applies.
This coverage applies only to such advertising injury or personal injury caused by an offense
that is first committed during the policy period.
This coverage does not apply to any part of:
A. loss to which underlying insurance would apply, regardless of whether or not:
1. underlying insurance is available; and
2. the applicable underlying limits have been exhausted;
B. loss to which underlying limits apply; or
C. any costs or expenses related to loss as described in paragraphs A. or B. above.
We have no obligation under this insurance with respect to any claim or suit settled without our
consent.
Other than as provided under the Investigation, Defense And Settlements and Supplementary
Payments sections of this contract, we have no other obligation or liability to pay sums or
perform acts or services under this coverage.
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0815 (Rev. 7-01) Contract Page 4 of 32
Chubb Commercial Excess And Umbrella Insurance
Investigation, Defense Subject to all of the terms and conditions of this insurance, we will have the right and duty to
And Settlements defend the insured:
• under Excess Follow-Form Coverage A, against a suit in connection with loss to which
such coverage applies, if the applicable underlying limits have been exhausted by
payment of judgments, settlements or related costs or expenses (if such costs or expenses
reduce such limits); or
• under Umbrella Coverage B, against a suit to which such coverage applies, even if such
suit is false, fraudulent or groundless.
We have no duty to defend any person or organization against any claim or suit:
• to which this insurance does not apply; or
• if any other insurer has a duty to defend.
When we have the duty to defend, we may, at our discretion, investigate any occurrence or
offense and settle any claim or suit. In all other cases, we may, at our discretion, participate in
the investigation, defense and settlement of any occurrence, offense, claim or suit.
Our duty to defend any person or organization ends when we have used up the applicable Limit
Of Insurance.
Supplementary Subject to all of the terms and conditions of this insurance, under Excess Follow-Form
Payments Coverage A or Umbrella Coverage B:
A. we will pay, with respect to a claim we investigate or settle, or a suit against an insured
we defend:
1. the expenses we incur.
2. the cost of:
a. bail bonds; or
b. bonds required to:
(1) appeal judgments; or
(2) release attachments;
but only for bond amounts within the available Limit Of Insurance. We do not
have to furnish these bonds.
3. reasonable expenses incurred by the insured at our request to assist us in the
investigation or defense of such claim or suit, including actual loss of earnings up
to $1000 a day because of time off from work.
4. costs taxed against the insured in the suit, except any:
a. attorney fees or litigation expenses; or
b. other loss, cost or expense;
in connection with any injunction or other equitable relief.
5. prejudgment interest awarded against the insured on that part of a 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.
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0815 (Rev. 7-01) Contract Page 5 of 32
Supplementary 6. interest on the full amount of a judgment that accrues after entry of the judgment
Payments and before we have paid, offered to pay or deposited in court the part of the
(continued) judgment that is within the applicable Limit Of Insurance.
B. Supplementary Payments does not include any fine or other penalty.
C. Supplementary Payments will not reduce the Limits Of Insurance.
Our obligation to make these payments ends when we have used up the applicable Limit Of
Insurance.
Coverage Territory
Excess Follow-Form With respect to Excess Follow-Form Coverage A, this insurance applies anywhere that the
Coverage A applicable underlying insurance applies.
Umbrella Coverage B With respect to Umbrella Coverage B, this insurance applies anywhere.
Who Is An Insured/ With respect to Excess Follow-Form Coverage A, the following persons and organizations
Excess Follow-Form qualify as insureds:
Coverage A • the Named Insured shown in the Declarations; and
• other persons or organizations qualifying as an insured in underlying insurance, but not
beyond the extent of any limitation imposed under any contract or agreement.
Who Is An Insured/ With respect to Umbrella Coverage B, the following persons and organizations qualify as
Umbrella Coverage B insureds.
Sole Proprietorships If you are an individual, you and your spouse are insureds; but you and your spouse are
insureds only with respect to the conduct of a business of which you are the sole owner.
If you die:
• persons or organizations having proper temporary custody of your property are insureds;
but they are insureds only with respect to the maintenance or use of such property and
only for acts until your legal representative has been appointed; and
• your legal representatives are insureds; but they are insureds only with respect to their
duties as your legal representatives. Such legal representatives will assume your rights
and duties under this insurance.
Partnerships Or Joint If you are a partnership (including a limited liability partnership) or a joint venture, you are an
Ventures insured. Your members, your partners and their spouses are insureds; but they are insureds
only with respect to the conduct of your business.
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0815 (Rev. 7-01) Contract Page 6 of 32
Chubb Commercial Excess And Umbrella Insurance
Who Is An Insured/
Umbrella Coverage B
(continued)
Limited Liability Companies If you are a limited liability company, you are an insured. Your members and their spouses are
insureds; but they are insureds only with respect to the conduct of your business. Your
managers are insureds; but they are insureds only with respect to their duties as your
managers.
Other Organizations If you are an organization (including a professional corporation) other than a partnership, joint
venture or limited liability company, you are an insured. Your directors and officers are
insureds; but they are insureds only with respect to their duties as your directors or officers.
Your stockholders and their spouses are insureds; but they are insureds only with respect to
their liability as your stockholders.
Employees Your employees are insureds; but they are insureds only for acts within the scope of their
employment by you or while performing duties related to the conduct of your business.
Volunteers Persons who are volunteer workers for you are insureds; but they are insureds only for acts
within the scope of their activities for you and at your direction.
Real Estate Managers Persons (other than your employees) or organizations while acting as your real estate
managers are insureds; but they are insureds only with respect to their duties as your real
estate managers.
Lessors Of Equipment Persons or organizations from whom you lease equipment are insureds; but they are insureds
only with respect to the maintenance or use by you of such equipment and only if you are
contractually obligated to provide them such insurance as is afforded by this contract.
However, no such person or organization is an insured with respect to any:
• damages arising out of their sole negligence; or
• occurrence that occurs, or offense that is committed, after the equipment lease ends.
Lessors Of Premises Persons or organizations from whom you lease premises are insureds; but they are insureds
only with respect to the ownership, maintenance or use of that particular part of such premises
leased to you and only if you are contractually obligated to provide them with such insurance
as is afforded by this contract.
However, no such person or organization is an insured with respect to any:
• damages arising out of their sole negligence;
• occurrence that occurs, or offense that is committed, after you cease to be a tenant in the
premises; or
• structural alteration, new construction or demolition operations performed by or on
behalf of them.
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0815 (Rev. 7-01) Contract Page 7 of 32
Who Is An Insured/
Umbrella Coverage B
(continued)
Subsidiary Or Newly If there is no other insurance available, the following organizations will qualify as named
Acquired Or Formed insureds:
Organizations • a subsidiary organization of the first named insured shown in the Declarations of which,
at the beginning of the policy period and at the time of loss, such first named insured
controls, either directly or indirectly, more than fifty (50) percent of the interests entitled
to vote generally in the election of the governing body of such organization; or
• a subsidiary organization of the first named insured shown in the Declarations that such
first named insured acquires or forms during the policy period, if at the time of loss such
first named insured controls, either directly or indirectly, more than fifty (50) percent of
the interests entitled to vote generally in the election of the governing body of such
organization.
Limitations On Who Is An With respect to Umbrella Coverage B, the following limitations apply to Who Is An Insured.
Insured A. Except to the extent provided under the Subsidiary Or Newly Acquired Or Formed
Organizations provision, no person or organization is an insured with respect to the
conduct of any person or organization that is not shown as a named insured in the
Declarations.
B. No person or organization is an insured with respect to the:
1. ownership, maintenance or use of any assets; or
2. conduct of any person or organization whose assets, business or organization;
you acquire, either directly or indirectly, for any:
• bodily injury or property damage that occurred; or
• advertising injury or personal injury arising out of an offense first committed;
in whole or in part, before you, directly or indirectly, acquired such assets, business or
organization.
C. No person or organization is an insured with respect to the conduct of any partnership
(including any limited liability partnership), joint venture or limited liability company
that is not shown as a named insured in the Declarations.
Limits Of Insurance With respect to all coverages under this contract, the Limits Of Insurance shown in the
Declarations and the rules below fix the most we will pay, regardless of the number of:
• insureds;
• claims made or suits brought;
• persons or organizations making claims or bringing suits;
• vehicles involved; or
• coverages provided in this contract.
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0815 (Rev. 7-01) Contract Page 8 of 32
Chubb Commercial Excess And Umbrella Insurance
Limits Of Insurance The aggregate limits apply separately to each consecutive annual period and to any remaining
(continued) period of less than twelve (12) months (starting with the beginning of the policy period shown
in the Declarations), provided the applicable aggregate limits in underlying insurance apply in
such manner. If the aggregate limits in underlying insurance do not so apply, the applicable
aggregate limits of this insurance will apply to the entire policy period and not separately to
any portion (whether annual or otherwise) thereof.
If the policy period is extended after issuance, the additional period will be deemed part of the
last preceding period for purposes of determining the Limits Of Insurance.
Excess Coverage Other Subject to the Each Occurrence Limit, the Excess Coverage Other Aggregate Limit is the most
Aggregate Limit we will pay for the sum of loss under Excess Follow-Form Coverage A, except loss:
• included in the products-completed operations hazard;
• arising out of advertising injury or personal injury; or
• otherwise covered by underlying insurance, but to which no aggregate limit in such
underlying insurance applies.
The Excess Coverages Other Aggregate Limit will apply separately to loss in the same manner
as each aggregate limit so applies in each coverage or policy described in the Schedule Of
Underlying Insurance.
Umbrella Coverages Subject to the Each Occurrence Limit, the Umbrella Coverages Aggregate Limit is the most we
Aggregate Limit will pay for the sum of loss under Umbrella Coverages, except loss:
• included in the products-completed operations hazard; or
• arising out of advertising injury or personal injury.
Products–Completed Subject to the Each Occurrence Limit, the Products-Completed Operations Aggregate Limit is
Operations Aggregate Limit the most we will pay for the sum of loss included in the products-completed operations hazard,
even if such loss is or otherwise would be covered in whole or in part under more than one
coverage.
Advertising Injury And The Advertising Injury And Personal Injury Aggregate Limit is the most we will pay for the
Personal Injury Aggregate sum of loss for advertising injury and personal injury, even if such loss is or otherwise would
Limit be covered in whole or in part under more than one coverage.
Each Occurrence Limit The Each Occurrence Limit is the most we will pay for the sum of loss arising out of any one
occurrence, even if such loss is or otherwise would be covered in whole or in part under more
than one coverage.
Any amount paid for loss will reduce the amount of the applicable aggregate limit available for
any other payment.
If the applicable aggregate limit has been reduced to an amount that is less than the Each
Occurrence Limit, the remaining amount of such aggregate limit is the most that will be
available for any other payment.
Chubb Commercial Excess And Umbrella Insurance
Form 07-02-0815 (Rev. 7-01) Contract Page 9 of 32