COI - Dekalb County School District - EveryDay Labs, Inc.

AID 2031502 · View on Simbli

Agenda Item

a. Renewal: EveryDay Labs Attendance Intervention (Not to Exceed $144,188.15)

Summary: Presented by: Kishia K. Towns, Ph.D., Chief of Wrap Around Services, Division of Wrap Around Services
Request: It is requested that the DeKalb County Board of Education approve the renewal of the EveryDay Labs agreement for an amount not to exceed $144,188.15.
Why: EveryDay Labs Intervention is proven to reduce absenteeism among students from communities experiencing marginalization. Research shows chronic absences disproportionately affects students due to systemic barriers. EveryDay Labs Intervention provides the families of these students with proactive support that helps them access learning opportunities. EveryDay Labs Intervention is a research-based and proven effective solution that promotes student achievement by reducing absences and increasing access to learning opportunities.
Details: EveryDay Labs was implemented by DCSD during the second semester. Following the completion of professional development for the staff at Horizon School, the program officially launched in March 2024. EveryDay Labs tracks student attendance and sends text messages, known as nudges, to guardians when students are marked absent. Families can interact with a bot that addresses their concerns and offers necessary resources. The nudges are tailored according to language, grade level, school, and the extent of absenteeism. Schools can access the attendance dashboard through the Everyday Labs platform, allowing them to monitor communications and contact with parents.
Financial impact: The projected annual cost for renewing EveryDay Labs is $144,188.15, which is calculated based on a student population of 23,752. This amount includes expenses for Program Management & Design, as well as Analytics Licenses, which cover text nudges, a support bot, mail nudges, check-in surveys, truancy mailings, and the EveryDay Pro MTSS Platform. A discount of $7,588.85 has been applied. The total purchase amount will not exceed $144,188.15 and will be funded through Title IV Funds.
Contact: Kishia K. Towns, Ph.D., Chief, Wrap Around Services, Division of Wrap Around Services, 678-676-1811
Shelly K. Bishop, Director of Wrap Around and Student Support, Division of Wrap Around Services, 678-676-2009
Effective: September 2026
Status: Approved by the Office of Legal Affairs.
                                                                                                                                                                       DATE (MM/DD/YYYY)
                                              CERTIFICATE OF LIABILITY INSURANCE                                                                                         05/11/2026
  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
                                                                                 NAME:         Certificate Department
                                                                                 PHONE                                              FAX
 Newfront Insurance Services, LLC                                                (A/C, No, Ext): (415) 754-3635                     (A/C, No):
                                                                                 E-MAIL
 777 Mariners Island Blvd                                                        ADDRESS: certs@newfront.com
 Suite 250                                                                                            INSURER(S) AFFORDING COVERAGE            NAIC #
 San Mateo                                                    CA 94404           INSURER A : National Fire Insurance Company of Hartford       20478
INSURED                                                                          INSURER B : The Continental Insurance Company                 35289
EveryDay Labs, Inc.                                                              INSURER C : AmTrust Insurance Company                         15954
                                                                                            INSURER D :
303 Twin Dolphin Drive Suite 600                                                            INSURER E :
Redwood City                                                          CA 94065              INSURER F :
COVERAGES                                   CERTIFICATE NUMBER:                                                                  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
                CLAIMS-MADE         OCCUR                                                                                         PREMISES (Ea occurrence)           $ 1,000,000
                                                                                                                                  MED EXP (Any one person)           $ 15,000
 A                                                   X    X     7095040660                          12/31/2025 12/31/2026         PERSONAL & ADV INJURY              $ 1,000,000

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

            OTHER:                                                                                                                                                   $
       AUTOMOBILE LIABILITY                                                                                                       COMBINED SINGLE LIMIT              $
                                                                                                                                  (Ea accident)                          1,000,000
            ANY AUTO                                                                                                              BODILY INJURY (Per person)         $
            OWNED                SCHEDULED                                                                                        BODILY INJURY (Per accident) $
 B          AUTOS ONLY           AUTOS                          7095040657                          12/31/2025 12/31/2026
            HIRED                NON-OWNED                                                                                        PROPERTY DAMAGE                    $
            AUTOS ONLY           AUTOS ONLY                                                                                       (Per accident)
                                                                                                                                                                     $
            UMBRELLA LIAB           OCCUR                                                                                         EACH OCCURRENCE                    $   5,000,000
 B          EXCESS LIAB             CLAIMS-MADE                 7095040643                          12/31/2025 12/31/2026         AGGREGATE                          $   5,000,000
              DED          RETENTION $ 10,000                                                                                                                        $
       WORKERS COMPENSATION                                                                                                               PER               OTH-
       AND EMPLOYERS' LIABILITY                                                                                                           STATUTE           ER
                                              Y/N
       ANYPROPRIETOR/PARTNER/EXECUTIVE                                                                                            E.L. EACH ACCIDENT                 $ 1,000,000
 B     OFFICER/MEMBER EXCLUDED?                     N/A   X     7095040674- AOS                     12/31/2025 12/31/2026
       (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
                                                                                                                                       E.L. Each Accident                $1,000,000
       Workers' Compensation (CA) only
 B                                                              7095040688-CA                       12/31/2025 12/31/2026              E.L. Disease - Ea Employee        $1,000,000
                                                                                                                                       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)

(Insurer C) - Errors and Omissions - ACL1269902 00 - (12/31/2025 - 12/31/2026) - Coverage includes Cyber Liability. Limit: $5,000,000.
Dekalb County School District, its board members, officers, employees, agents, insurers, other Vendors and subcontractors and consultants are Additional
Insured with regard to the General Liability policy, when required by written contract, per the attached endorsement. Waiver of Subrogation applies to the
General Liability policy, when required by written contract, per the attached endorsement. Waiver of Subrogation applies to the Workers Compensation policy,
when required by written contract, per the attached endorsement. Umbrella Liability policy follows form of the underlying General and Employers Liability
coverages, per policy terms, conditions and exclusions.


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

                                                                                            AUTHORIZED REPRESENTATIVE
1701 Mountain Industrial Blvd
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
                                                                  CNA Paramount Excess and Umbrella Liability
                                                                                                      Policy


      PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY


Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties
and what is and is not covered.
The “Insurer” refers to the insurer providing this insurance as set forth on the Declarations of this Policy. Words
and phrases that appear in bold have special meaning. Refer to the section entitled DEFINITIONS.
I.   COVERAGES
     A. Coverage A - Excess Follow Form Liability
         The Insurer will pay on behalf of the Insured those damages in excess of the applicable underlying
         limits. Coverage hereunder will attach only after the full amount of the applicable underlying limits have
         been exhausted through payment in legal currency of covered loss under all applicable underlying
         insurance and to which this Coverage A applies.
         Coverage A under this Policy will then apply in conformance with the provisions of the applicable
         underlying insurance except for the premium, limits of insurance, deductible, retentions, or any defense
         obligations and any other terms and conditions specifically set forth in this Policy.
         Upon exhaustion of the applicable underlying limits, the Insurer shall only pay for damages in excess of
         the applicable underlying limits. This Coverage A does not provide coverage for any loss not covered
         by the applicable underlying insurance except and to the extent that such loss is not paid under the
         applicable underlying insurance solely by reason of the exhaustion of the applicable underlying limits
         through payment of loss thereunder.
         This Coverage applies:
         1. if the applicable underlying insurance is on an occurrence basis, then only if that which must take
            place in the policy period of the underlying insurance in order to trigger coverage, takes place during
            this policy period; and
         2. if the applicable underlying insurance is on a claims made basis, then only if:
             a. that which must take place in the underlying insurance in order to trigger coverage, takes place
                after the retroactive date and prior to the end of the policy period; and
             b. the claim is first made during the policy period.
     B. Coverage B - Umbrella Liability
         The Insurer will pay on behalf of the Insured those damages in excess of the retained amount:
         1. that an Insured becomes legally obligated to pay because of bodily injury, property damage or
            personal and advertising injury; or
         2. because of liability for bodily injury or property damage assumed under an insured contract,
            provided the bodily injury or property damage occurs subsequent to the execution of such insured
            contract;
         and provided that:
         a. the bodily injury or property damage occurs during the policy period;
         b. the bodily injury or property damage is caused by an occurrence that takes place in the coverage
            territory;




 Form No: CNA75504XX (03-2015)                                                                   Policy No: CUE 7095040643
 Policy Page: 1 of 32                                                                            Policy Effective Date: 12/31/2025
 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606   Policy Page: 29 of 72


                                               © Copyright CNA All Rights Reserved.
                                                                                                                               CNA PARAMOUNT
 ABCDEFGHI
 JKLMN                                                                             Technology General Liability Extension

                                                                                                                  Endorsement - New York


1.   ADDITIONAL INSUREDS


     a.   WHO IS AN INSURED is amended to include as an Insured any person or organization described in paragraphs

          A. through K. below whom a Named Insured is required to add as an additional insured on this Coverage Part

          under a written contract or written agreement, provided such contract or agreement:

          (1)   is currently in effect or becomes effective during the term of this Coverage Part; and

          (2)   was executed prior to:

                (a)   the bodily injury or property damage; or

                (b)   the offense that caused the personal and advertising injury,

                for which such additional insured seeks coverage.

     b.   However, subject always to the terms and conditions of this policy, including the limits of insurance, the Insurer
          will not provide such additional insured with:

          (1)   a higher limit of insurance than required by such contract or agreement; or

          (2)   coverage broader than required by such contract or agreement, and in no event broader than that described
                by the applicable paragraph A. through K. below.

          Any coverage granted by this endorsement shall apply only to the extent permissible by law.

     A.   Controlling Interest


          Any person or organization with a controlling interest in a Named Insured, but only with respect to such person or
          organization's liability for bodily injury, property damage or personal and advertising injury arising out of:

          1.    such person or organization's financial control of a Named Insured; or

          2.    premises such person or organization owns, maintains or controls while a                                         Named       Insured   leases or
                occupies such premises;

          provided that the coverage granted by this paragraph does not apply to structural alterations, new construction or
          demolition operations performed by, on behalf of, or for such additional insured.

     B.   Co-owner of Insured Premises


          A co-owner of a premises co-owned by a Named Insured and covered under this insurance but only with respect
          to such co-owner's liability for bodily injury, property damage or personal and advertising injury as co-owner
          of such premises.

     C.   Grantor of Franchise


          Any person or organization that has granted a franchise to a Named Insured, but only with respect to such
          person or organization's liability for bodily injury, property damage or personal and advertising injury as
          grantor of a franchise to the Named Insured.

     D.   Lessor of Equipment


          Any person or organization from whom a Named Insured leases equipment, but only with respect to liability for
          bodily injury, property damage or personal and advertising injury caused, in whole or in part, by the Named

          Insured's     maintenance, operation or use of such equipment, provided that the occurrence giving rise to such
          bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place

          prior to the termination of such lease.

     E.   Lessor of Land



CNA74872NY (8-15)                                                                                                             Policy No:          7095040660
Page 2 of 14                                                                                                        Endorsement No:                   5
Nat'l Fire Ins Co of Hartford                                                                                           Effective Date:           12/31/2025
Insured Name: NEWSELA, INC
                      Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                                                                                                                                                        CNA PARAMOUNT
                                            ABCDEFGHI
                                            JKLMN                                                                           Technology General Liability Extension

                                                                                                                                                           Endorsement - New York


                                                    Any person or organization from whom a Named Insured leases land but only with respect to liability for bodily
                                                    injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use

                                                    of such land, provided that the occurrence giving rise to such bodily injury, property damage or the offense
                                                    giving rise to such personal and advertising injury takes place prior to the termination of such lease.                                         The
                                                    coverage granted by this paragraph does not apply to structural alterations, new construction or demolition
                                                    operations performed by, on behalf of, or for such additional insured.

                                               F.   Lessor of Premises


                                                    An owner or lessor of premises leased to the Named Insured, or such owner or lessor's real estate manager, but
                                                    only with respect to liability for bodily injury, property damage or personal and advertising injury arising out of
                                                    the ownership, maintenance or use of such part of the premises leased to the Named Insured, and provided that
                                                    the occurrence giving rise to such bodily injury or property damage, or the offense giving rise to such personal
                                                    and advertising         injury,    takes place prior to the termination of such lease. The coverage granted by this
                                                    paragraph does not apply to structural alterations, new construction or demolition operations performed by, on
                                                    behalf of, or for such additional insured.

                                               G.   Mortgagee, Assignee or Receiver


                                                    A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee or receiver's
                                                    liability for   bodily injury, property damage                  or   personal and advertising injury                   arising out of the     Named

                                                    Insured's ownership, maintenance, or use of a premises by a Named Insured.


                                                    The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition
                                                    operations performed by, on behalf of, or for such additional insured.

                                               H.   State or Governmental Agency or Subdivision or Political Subdivisions – Permits


                                                    A state or governmental agency or subdivision or political subdivision that has issued a permit or authorization but
                                                    only with respect to such state or governmental agency or subdivision or political subdivision's liability for bodily
                                                    injury, property damage or personal and advertising injury arising out of:


                                                    1.    the following hazards in connection with premises a Named Insured owns, rents, or controls and to which
                                                          this insurance applies:




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                                                          a.   the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings,
                                                               canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk
                                                               vaults, street banners, or decorations and similar exposures; or

                                                          b.   the construction, erection, or removal of elevators; or

                                                          c.   the ownership, maintenance or use of any elevators covered by this insurance; or

                                                    2.    the permitted or authorized operations performed by a Named Insured or on a Named Insured's behalf.




                 10020006070950406607211
                                                          The coverage granted by this paragraph does not apply to:

                                                          a.   Bodily injury, property damage or personal and advertising injury arising out of operations performed

                                                               for the state or governmental agency or subdivision or political subdivision; or

                                                          b.   Bodily injury or property damage included within the products-completed operations hazard.


                                                    With respect to this provision's requirement that additional insured status must be requested under a written
                                                    contract or agreement, the Insurer will treat as a written contract any governmental permit that requires the
                                                    Named Insured to add the governmental entity as an additional insured.


                                               I.   Trade Show Event Lessor




                                           CNA74872NY (8-15)                                                                                                           Policy No:          7095040660
                                           Page 3 of 14                                                                                                      Endorsement No:                   5
                                           Nat'l Fire Ins Co of Hartford                                                                                         Effective Date:           12/31/2025
                                           Insured Name: NEWSELA, INC
                                                               Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                                                                                                             CNA PARAMOUNT
 ABCDEFGHI
 JKLMN                                                                           Technology General Liability Extension

                                                                                                                Endorsement - New York


         1.    With respect to a Named Insured's participation in a trade show event as an exhibitor, presenter or displayer,
               any person or organization whom the Named Insured is required to include as an additional insured, but only
               with respect to such person or organization's liability for bodily injury, property damage or personal and
               advertising injury caused by:


               a.   the Named Insured's acts or omissions; or

               b.   the acts or omissions of those acting on the Named Insured's behalf,

               in the performance of the Named Insured's ongoing operations at the trade show event premises during the
               trade show event.

         2.    The coverage granted by this paragraph does not apply to bodily injury or property damage included within
               the products-completed operations hazard.

    J.   Vendor


         Any person or organization but only with respect to such person or organization's liability for bodily injury or
         property damage arising out of your products which are distributed or sold in the regular course of such person

         or organization's business, provided that:

         1.    The coverage granted by this paragraph does not apply to:

               a.   bodily injury or property damage for which such person or organization is obligated to pay damages by

                    reason of the assumption of liability in a contract or agreement unless such liability exists in the absence
                    of the contract or agreement;

               b.   any express warranty unauthorized by the Named Insured;

               c.   any physical or chemical change in any product made intentionally by such person or organization;

               d.   repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the
                    substitution of parts under instructions from the manufacturer, and then repackaged in the original
                    container;

               e.   any failure to make any inspections, adjustments, tests or servicing that such person or organization has
                    agreed to make or normally undertakes to make in the usual course of business, in connection with the
                    distribution or sale of the products;

               f.   demonstration, installation, servicing or repair operations, except such operations performed at such
                    person or organization's premises in connection with the sale of a product;

               g.   products which, after distribution or sale by the Named Insured, have been labeled or relabeled or used
                    as a container, part or ingredient of any other thing or substance by or for such person or organization; or

               h.   bodily injury or property damage arising out of the sole negligence of such person or organization for

                    its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this
                    exclusion does not apply to:

                    (1)   the exceptions contained in Subparagraphs d. or f. above; or

                    (2)   such inspections, adjustments, tests or servicing as such person or organization has agreed with the
                          Named Insured           to make or normally undertakes to make in the usual course of business, in
                          connection with the distribution or sale of the products.

         2.    This Paragraph J. does not apply to any insured person or organization, from whom the Named Insured has
               acquired such products, nor to any ingredient, part or container, entering into, accompanying or containing
               such products.



CNA74872NY (8-15)                                                                                                           Policy No:          7095040660
Page 4 of 14                                                                                                      Endorsement No:                   5
Nat'l Fire Ins Co of Hartford                                                                                         Effective Date:           12/31/2025
Insured Name: NEWSELA, INC
                    Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                                                                                                                                                        CNA PARAMOUNT
                                            ABCDEFGHI
                                            JKLMN                                                                           Technology General Liability Extension

                                                                                                                                                           Endorsement - New York


                                                     3.   This Paragraph J. also does not apply:

                                                          a.   to any vendor specifically scheduled as an additional insured by endorsement to this Coverage Part;

                                                          b.   to any of your products for which coverage is excluded by endorsement to this Coverage Part; nor

                                                          c.   if bodily injury or property damage included within the products-completed operations hazard is
                                                               excluded by endorsement to this Coverage Part.

                                                K.   Other Person Or Organization / Your Work


                                                     Any person or organization who is not an additional insured under Paragraphs                                        A.   through       J.   above. Such
                                                     additional insured is an Insured solely for bodily injury, property damage or personal and advertising injury
                                                     for which such additional insured is liable because of the Named Insured's acts or omissions.

                                                     The coverage granted by this paragraph does not apply to any person or organization:

                                                     1.   who is specifically scheduled as an additional insured on another endorsement to this Coverage Part; nor

                                                     2.   for bodily injury or property damage included within the products-completed operations hazard except to
                                                          the extent all of the following apply:

                                                          a.   this Coverage Part provides such coverage;

                                                          b.   the written contract or agreement described in the opening paragraph of this ADDITIONAL INSUREDS
                                                               Provision requires the Named Insured to provide the additional insured such coverage; and

                                                          c.   the bodily injury or property damage results from your work that is the subject of the written contract
                                                               or agreement, and such work has not been excluded by endorsement to this Coverage Part.

                                           2.   ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY TO ADDITIONAL INSURED'S INSURANCE


                                                A.   The Other Insurance Condition in the COMMERCIAL GENERAL LIABILITY CONDITIONS Section is amended
                                                     to add the following paragraph:

                                                     If the Named Insured has agreed in writing in a contract or agreement that this insurance is primary and non-
                                                     contributory relative to an additional insured's own insurance, then this insurance is primary, and the Insurer will
                                                     not seek contribution from that other insurance. For the purpose of this Provision 2., the additional insured's own




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                                                     insurance means insurance on which the additional insured is a named insured.

                                                B.   With respect to persons or organizations that qualify as additional insureds pursuant to paragraph 1.K. of this
                                                     endorsement, the following sentence is added to the paragraph above:

                                                     Otherwise, and notwithstanding anything to the contrary elsewhere in this Condition, the insurance provided to
                                                     such person or organization is excess of any other valid and collectible insurance available to such person or
                                                     organization.




                 10020006070950406607212
                                           3.   BODILY INJURY – EXPANDED DEFINITION


                                                Under DEFINITIONS, the definition of bodily injury is deleted and replaced by the following:

                                                Bodily injury means physical injury, sickness or disease sustained by a person, including death, humiliation, shock,

                                                mental anguish or mental injury sustained by that person at any time which results as a consequence of the physical
                                                injury, sickness or disease.

                                           4.   BROAD KNOWLEDGE OF OCCURRENCE/ NOTICE OF OCCURRENCE


                                                Under CONDITIONS, the condition entitled Duties in The Event of Occurrence, Offense, Claim or Suit Condition is
                                                amended to add the following provisions:



                                           CNA74872NY (8-15)                                                                                                           Policy No:          7095040660
                                           Page 5 of 14                                                                                                      Endorsement No:                   5
                                           Nat'l Fire Ins Co of Hartford                                                                                         Effective Date:           12/31/2025
                                           Insured Name: NEWSELA, INC
                                                               Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                                                                                                           CNA PARAMOUNT
 ABCDEFGHI
 JKLMN                                                                         Technology General Liability Extension

                                                                                                              Endorsement - New York


19. PROPERTY DAMAGE - PATTERNS MOLDS AND DIES


    Under    COVERAGES,          Coverage        A   –   Bodily      Injury    and     Property       Damage        Liability,     the paragraph entitled
    Exclusions is amended to delete subparagraphs (3) and (4) of the Exclusion entitled Damage to Property, but only

    with respect to patterns, molds or dies that are in the care, custody or control of the Insured, and only if such patterns,
    molds or dies are not being used to perform operations at the time of loss. A limit of insurance of $25,000 per policy
    period applies to this PROPERTY DAMAGE - PATTERNS MOLDS AND DIES coverage, and this limit:


    A.   is included within the General Aggregate Limit as described in LIMITS OF INSURANCE; and

    B.   applies excess over any valid and collectible property insurance available to the Insured, including any deductible
         applicable to such insurance; the Other Insurance condition is changed accordingly.

20. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS


    If the   Named Insured        unintentionally fails to disclose all existing hazards at the inception date of the                                Named

    Insured's Coverage Part, the Insurer will not deny coverage under this Coverage Part because of such failure.


21. WAIVER OF SUBROGATION - BLANKET


    Under CONDITIONS, the condition entitled Transfer Of Rights Of Recovery Against Others To Us is amended to
    add the following:

    The Insurer waives any right of recovery the Insurer may have against any person or organization because of
    payments the Insurer makes for injury or damage arising out of:

    1.   the Named Insured's ongoing operations; or

    2.   your work included in the products-completed operations hazard.


    However, this waiver applies only when the Named Insured has agreed in writing to waive such rights of recovery in
    a written contract or written agreement, and only if such contract or agreement:

    1.   is in effect or becomes effective during the term of this Coverage Part; and

    2.   was executed prior to the bodily injury, property damage or personal and advertising injury giving rise to the
         claim.




All other terms and conditions of the Policy remain unchanged.


This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect
on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and
expires concurrently with said Policy.




CNA74872NY (8-15)                                                                                                         Policy No:          7095040660
Page 14 of 14                                                                                                   Endorsement No:                   5
Nat'l Fire Ins Co of Hartford                                                                                       Effective Date:           12/31/2025
Insured Name: NEWSELA, INC
                  Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its permission.
                                                 Workers Compensation And Employers Liability Insurance
                                                                                  Policy Endorsement


      BLANKET WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS


This endorsement changes the policy to which it is attached.
It is agreed that Part One - Workers’ Compensation Insurance G. Recovery From Others and Part Two -
Employers’ Liability Insurance H. Recovery From Others are amended by adding the following:
We will not enforce our right to recover against persons or organizations. (This agreement applies only to the
extent that you perform work under a written contract that requires you to obtain this agreement from us.)
PREMIUM CHARGE - Refer to the Schedule of Operations
The charge will be an amount to which you and we agree that is a percentage of the total standard premium for
California exposure. The amount is 1%.

All other terms and conditions of the policy remain unchanged.

This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers,
takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another
effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy
unless another expiration date is shown below.




 Form No: G-19160-B (11-1997)                                                                    Policy No: WC 7 95040688
 Endorsement Effective Date:                   Endorsement Expiration Date:                      Policy Effective Date: 12/31/2025
 Endorsement No: 2; Page: 1 of 1                                                                 Policy Page: 34 of 47
 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606

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