09. Learning Labs COI - July 13, 2026 - DCSD Board Meeting Archive

DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE 05/20/2026
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 Melinda Lankford
NAME:
STARR-MATHEWS AGENCY PHONE (706) 629-4441 FAX (706) 629-3631
(A/C, No, Ext): (A/C, No):
108 North Court St. E-MAIL mlankford@starrmathews.com
ADDRESS:
P. O. Box 188 INSURER(S) AFFORDING COVERAGE NAIC #
Calhoun GA 30703-0188 INSURER A : Cincinnati Insurance Company 10677
INSURED INSURER B : Hartford 00914
Learning Labs, Inc. INSURER C :
PO Box 1419 INSURER D :

INSURER E :
Calhoun GA 30703 INSURER F :
COVERAGES CERTIFICATE NUMBER: 2025-26 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
COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000
DAMAGE TO RENTED 1,000,000
CLAIMS-MADE OCCUR PREMISES (Ea occurrence) $

MED EXP (Any one person) $ 10,000
A Y Y EPP0758320 10/01/2025 10/01/2026 PERSONAL & ADV INJURY $ 1,000,000

GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000
PRO- 2,000,000
POLICY JECT LOC PRODUCTS - COMP/OP AGG $

OTHER: Cyber $ 50,000
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 1,000,000
(Ea accident)
ANY AUTO BODILY INJURY (Per person) $

A OWNED SCHEDULED Y Y EPP0758320 10/01/2025 10/01/2026 BODILY INJURY (Per accident) $
AUTOS ONLY AUTOS
HIRED NON-OWNED PROPERTY DAMAGE $
AUTOS ONLY AUTOS ONLY (Per accident)
Medical payments $ 5,000
UMBRELLA LIAB OCCUR EACH OCCURRENCE $ 2,000,000
A EXCESS LIAB CLAIMS-MADE Y Y EPP0758320 10/01/2025 10/01/2026 AGGREGATE $ 2,000,000

DED RETENTION $ $
WORKERS COMPENSATION PER OTH-
AND EMPLOYERS' LIABILITY STATUTE ER
Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ 1,000,000
B OFFICER/MEMBER EXCLUDED? N N/A 20WBCAA8DRY 10/01/2025 10/01/2026
(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)

GA 233 06 23 Contractors Commercial General Liability Broadened Endorsement; GA 4523 05 20 Broad Form Contractors Additional Insured - Automatice
Status and Automatic Waiver of Subrogation When Required in Written Contract, Agreement, Permit or Authorization; CG 25 03 09 Designated Construction
Projects General Aggregate Limit; 05 09 AA 288 CinciPlul Business Auto XC+; US 101 09 20 Commercial Umbrella Liability Coverage Form

CERTIFICATE HOLDER CANCELLATION

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Dekalb County School District ACCORDANCE WITH THE POLICY PROVISIONS.

1701 Mountain Industrial Blvd
AUTHORIZED REPRESENTATIVE

Stone Mountain GA 30083

© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD
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 “prop-
erty damage” arising out of the operation of a D. Employee Hired Auto
covered “auto” when you have assumed liabil- 1. Changes in Liability Coverage
ity for such “bodily injury” or “property dam-
age” under an “insured contract”, provided the The following is added to the SECTION II
“bodily injury” or “property damage” occurs - COVERED AUTOS LIABILITY COV-
subsequent to the execution or the “insured ERAGE, A. Coverage, 1. Who is an In-
contract”. sured:
B. Noncontributory Insurance An “employee” of yours is an “insured”
while operating an “auto” hired or rented
SECTION IV - BUSINESS AUTO CONDI- under a contract or agreement in that
TIONS, B. General Conditions, 5. Other In- “employee's” name, with your permission,
surance c. is deleted in its entirety and re- while performing duties related to the
placed by the following: conduct of your business.
c. Regardless of the provisions of Par- 2. Changes in General Conditions
agraph a. above, this Coverage
Form's Liability Coverage is primary SECTION IV - BUSINESS AUTO CON-
and we will not seek contribution DITIONS, B. General Conditions, 5.
from any other insurance for any lia- Other Insurance is deleted in its entirety
bility assumed under an “insured and replaced by the following:
contract” that requires liability to be
assumed on a primary noncontributo- b. For Hired Auto Physical Damage
ry basis. Coverage the following are deemed
to be covered “autos” you own:
C. Additional Insured by Contract
(1) Any covered “auto” you lease,
SECTION II - COVERED AUTOS LIABILITY hire, rent or borrow; and
COVERAGE, A. Coverage, 1. Who is an In-
sured is amended to include as an insured (2) Any covered “auto” hired or
any person or organization for whom you have rented by your “employee” under
agreed in a valid written contract to provide in- a contract in that individual “em-
surance as afforded by this policy. ployee's” name, with your per-
mission, while performing duties
This provision is limited to the scope of the related to the conduct of your
valid written contract. business.
Includes copyrighted material of ISO
AA 288 01 24 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. Limits of Insurance, 1.b. is de-
leted in its entirety and replaced by the follow- c. Does not apply to any newly acquired
ing: or formed organization that is a joint
venture or partnership; and
b. The most we will pay for all “loss” to au-
dio, visual or data electronic equipment d. Does not apply to an insured under
and any accessories used with this any other automobile liability policy or
equipment as a result of any one “acci- would be an insured under such a
dent” is the lesser of: policy but for the termination of such
policy or the exhaustion of such poli-
(1) The actual cash value of the dam- cy's limits of insurance.
aged or stolen property as of the time
of the “accident”; 3. Any of your “employees” while using a
covered “auto” in your business or your
(2) The cost of repairing or replacing the personal affairs, provided you do not own,
damaged or stolen property with oth- hire or borrow that “auto”.
er property of like kind and quality; or
G. Liability Coverage Extensions - Supple-
(3) $2,500. mentary Payments - Higher Limits
Provided the equipment, at the time of the SECTION II - COVERED AUTOS LIABILITY
“loss” is: COVERAGE, A. Coverage, 2. Coverage Ex-
(1) Permanently installed in or upon the tensions, a. Supplementary Payments is
covered “auto” in a housing, opening 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
(2) Removable from a permanently in- reasonable expenses with $500 in (4).
stalled housing unit as described in
Paragraph (1) above; or H. Amended Fellow Employee Exclusion
(3) An integral part of such equipment. SECTION II - COVERED AUTOS LIABILITY
COVERAGE, B. Exclusions, 5. Fellow Em-
F. Who is an Insured - Amended ployee is modified as follows:
SECTION II - COVERED AUTOS LIABILITY Exclusion 5. Fellow Employee is deleted.
COVERAGE, A. Coverage, 1. Who is an In-
sured 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 auto- value or cost to repair or replace, which-
mobile 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
provided by this provision:

Includes copyrighted material of ISO
AA 288 01 24 Properties, Inc., with its permission. Page 2 of 4
3. Hired Auto - Physical Damage coverage 5. We will pay under this coverage only that
is excess over any other collectible insur- amount of your rental reimbursement ex-
ance. penses which is not already provided for
under SECTION III - PHYSICAL DAM-
4. Subject to the above limit, deductible, and AGE COVERAGE, A. Coverage, 4.
excess provisions we will provide cover- Coverage Extensions.
age equal to the broadest coverage appli-
cable to any covered “auto” you own in- K. Transportation Expense - Higher Limits
sured under this policy.
SECTION III - PHYSICAL DAMAGE COV-
Coverage includes loss of use of that hired au- ERAGE, A. Coverage, 4. Coverage Exten-
to, provided it results from an “accident” for sions is amended by replacing $30 per day
which you are legally liable and as a result of with $50 per day, and $900 maximum with
which a monetary loss is sustained by the $1,500 maximum in Extension a. Transpor-
leasing or rental concern. The most we will tation Expenses.
pay for any one “accident” is $3,000.
L. Airbag Coverage
If a limit for Hired Auto - Physical Damage is
shown in the Schedule, then that limit replac- SECTION III - PHYSICAL DAMAGE COV-
es, and is not added to, the $50,000 limit indi- ERAGE, B. Exclusions, 3.a. is amended by
cated above and the deductibles shown in the adding the following:
Schedule are applicable. However, the mechanical and electrical
J. Rental Reimbursement breakdown portion of this exclusion does not
apply to the accidental discharge of an airbag.
SECTION III - PHYSICAL DAMAGE COV- This coverage for airbags is excess over any
ERAGE is amended by adding the following: other collectible insurance or warranty.
1. We will pay for rental reimbursement ex- M. Loan or Lease Gap Coverage
penses incurred by you for the rental of
an “auto” because of a “loss” to a covered 1. SECTION III - PHYSICAL DAMAGE
“auto”. Payment applies in addition to the COVERAGE, C. Limits of Insurance is
otherwise applicable amount of each cov- deleted in its entirety and replaced by the
erage you have on a covered “auto”. No following, but only for private passenger
deductible applies to this coverage. type “autos” with an original loan or lease,
and only in the event of a “total loss” to
2. We will pay only for those expenses in- such a private passenger type “auto”:
curred during the policy period beginning
24 hours after the “loss” and ending, re- a. The most we will pay for “loss” in any
gardless of the policy's expiration, with one “accident” is the greater of:
the lesser of the following number of (1) The amount due under the terms
days: of the lease or loan to which
a. The number of days reasonably re- your covered private passenger
quired to repair the covered “auto”. If type “auto” is subject, but will not
“loss” is caused by theft, this number include:
of days is added to the number of (a) Overdue lease or loan pay-
days it takes to locate the covered ments;
“auto” and return it to you; or
(b) Financial penalties imposed
b. 30 days. under the lease due to high
3. Our payment is limited to the lesser of the mileage, excessive use or
following amounts: abnormal wear and tear;

a. Necessary and actual expenses in- (c) Security deposits not re-
curred; or funded by the lessor;

b. $50 per day. (d) Costs for extended warran-
ties, Credit Life Insurance,
4. This coverage does not apply while there Health, Accident or Disabil-
are spare or reserve “autos” available to ity Insurance purchased
you for your operations. with the loan or lease; and
(e) Carry-over balances from
previous loans or leases, or

Includes copyrighted material of ISO
AA 288 01 24 Properties, Inc., with its permission. Page 3 of 4
(2) Actual cash value of the stolen 4. A member or manager, if you are a lim-
or damaged property. ited liability company.
b. An adjustment for depreciation and P. Unintentional Failure to Disclose Hazards
physical condition will be made in de-
termining actual cash value at the SECTION IV - BUSINESS AUTO CONDI-
time of “loss”. TIONS, B. General Conditions, 2. Conceal-
ment, Misrepresentation or Fraud is
2. SECTION V - DEFINITIONS is amended amended by adding the following:
by adding the following, but only for the
purposes of this Loan or Lease Gap However, if you unintentionally fail to disclose
Coverage: any hazards existing on the effective date of
this Coverage Form, we will not deny cover-
“Total loss” means a “loss” in which the age under this Coverage Form because of
cost of repairs plus the salvage value ex- such failure.
ceeds the actual cash value.
Q. Mental Anguish Resulting from Bodily Inju-
N. Glass Repair - Waiver of Deductible ry
SECTION III - PHYSICAL DAMAGE COV- SECTION V - DEFINITIONS, C. “Bodily inju-
ERAGE, D. Deductible is amended by adding ry” is deleted in its entirety and replaced by
the following: the following:
No deductible applies to glass damage if the “Bodily injury” means bodily injury, sickness or
glass is repaired in a manner acceptable to us disease sustained by a person, including men-
rather than replaced. tal anguish and death sustained by the same
person that results from such bodily injury,
O. Duties in the Event of an Accident, Claim, sickness or disease. “Bodily injury” does not
Suit or Loss - Amended include mental anguish or death that does not
SECTION IV - BUSINESS AUTO CONDI- result from bodily injury, sickness or disease.
TIONS, A. Loss Conditions, 2. Duties in the R. Coverage for Certain Operations in Con-
Event of Accident, Claim, Suit or Loss, a. is nection with Railroads
amended by adding the following:
With respect to the use of a covered “auto” in
This condition applies only when the “acci- operations for or affecting a railroad:
dent” or “loss” is known to:
1. SECTION V - DEFINITIONS, H. “Insured
1. You, if you are an individual; contract”, 3. is deleted in its entirety and
2. A partner, if you are a partnership; replaced by the following:

3. An executive officer or insurance manag- 3. An easement or license agreement;
er, if you are a corporation; or 2. SECTION V - DEFINITIONS, H. “Insured
contract”, 6.a. is deleted.

Includes copyrighted material of ISO
AA 288 01 24 Properties, Inc., with its permission. Page 4 of 4

Agenda Item