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COI Expires 12/31/2020
�..141 FLORI08 OP ID:AS d4 Rom- CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DDIYYYY) 02►27►2020 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 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 lieti of such endorsement(s). . PRODUCER CONTACT - - - -- —----- --- --- - —- Gulfstream Insurance Group Inc PHONE FAX P:O.Box 8908 (A/C,No.Ext):954-561-2220 - - (ac,No):954-566-0673 Fort Lauderdale,FL 33310-8908 E-MAIL David Arch ADDRESS: INSURER(S)AFFORDING COVERAGE NAIC# INSURER A:AmGUard Insurance Co INSURED Florida Keys Outreach INSURER B: Coalition,Inc. PO Box 4767 INSURER C: Key West, FL 33041 INSURER D: INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: 001 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 INSR WVD POLICY NUMBER (MM/DDIYYYY) (MMIDD/YYYY) - LIMITS GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 A X COMMERCIAL GENERAL LIABILITY X C1 GP000292-00 12/31/2019 12/31/2020 DAMAGE TO RENTED 100 000 PREMISES(Ea occurrence) $ � CLAIMS-MADE X OCCUR MED EXP(Any one person) $ 5,000 PERSONAL 8 ADV INJURY $ 1,000,000 GENERAL AGGREGATE $ 3,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMP/OP AGG $ 3,000,000 POLICY 'ECT LOC Emp Ben. $ -1,000,000 AUTOMOBILE LIABILITY - -• COMBINED SINGLE LIMIT 1,000,000 (Ea accident) $ A X ANY AUTO C2GP000232-00 12/31/2019 12/31/2020 BODILY INJURY(Per person) $ ALL OWNED SCHEDULED BODILY INJURY accident) $ • AUTOS AUTOS (Per X HIRED AUTOS X NON-OWNED PROPERTY DAMAGE $ -AUTOS (PER ACCIDENT) $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DED RETENTION$ $ WORKERS COMPENSATION WC STATU- OTH- , AND EMPLOYERS'LIABILITY Y I N TORY LIMITS ER ANY PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? N I A E.L.EACH ACCIDENT $ (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes:describe under -— - — - — --. - — _--- _' -- - - DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT I$ A Professional Liab C1GP000292-00 12/31/2019 12/31/2020 Limits $1ML/$3ML A Abuse/Molestation C1GP000292-00 12/31/2019 12/31/2020 Limits $1ML/$3ML • DESCRIPTION OF OPERATIONS/LOCATIONS I VEHICLES (Attach ACORD 101,Additional Remarks Schedule,if more space is required) Additional insured status provided with regards to general liability when required by written contract per attached endorsement GL10802FL(0119) 8 Y PRE V GEJyrpir` DA WAIVER N LAD frehrnrdall-- CERTIFICATE HOLDER CANCELLATION • MONROE2 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Monroe County Board of ACCORDANCE WITH THE POLICY PROVISIONS. County Commissioners Risk Management AUTHORIZED REPRESENTATIVE 1100 Simonton St, / J/ /l Key West, FL 33040 t/ 7 / ©1988-2010 ACORD CORPORATION. All rights reserved. ACORD 25(2010/05) The ACORD name and logo are registered marks of ACORD THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SOCIAL SERVICES GENERAL LIABILITY ENHANCE ENT ENDORSEMENT ® FLORIDA it is understood and agreed that the following extensions only apply in the event that no other specific coverage for the indicated loss exposures are provided under this policy. If such specific coverage applies, the terms, conditions, and limits of that coverage are the sole and exclusive coverage applicable under this policy. Throughout this endorsement the words"you"and "your"refer to the"Named Insured"shown in the Declarations.The words"we", "us", and "our" refer to the"Company"providing this insurance. This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following is a summary of the Limits of Insurance and Additional Coverage provided by this endorsement. For complete details on specific coverages, consult the policy contract wording. A) Medical Payments—Limit increased to$20,000 and Extended Reporting Period 3 Years B) Supplementary Payments_Bail bonds increased to$5,000/Loss of Earnings increased to$1,000 each day C.) Legal Liability Extension — For fire, lightning, explosion, smoke, and leaks from sprinklers limit increased to$1,000,000 D) Broadened definition of Who is an Insured E) Knowledge or Notice of Occurrence F) Broadened definition of Advertising Injury includes televised or videotaped publication G) Amended definition of Bodily Injury to include mental anguish H) Amended Unintentional Failure to Disclose Hazards I) Amended Liberalization Clause J) Property Damage—Removal of exclusion for"Property Damage"resulting from the use of reasonable force to protect persons or property K) Premises Sold or Abandoned by You L) Blanket Additional Insured- Funding sources M) Blanket Additional Insured- Managers or lessors of premises N) Blanket Additional Insured with Primary and Non-Contributory Wording—By Contract, Agreement or Permit 0) General Aggregate Limit Per Location P) Blanket Special. Events Coverage Q) Non-Owned Watercraft Coverage-Length is increased to 65 feet R) Blanket Waiver of Subrogation S) Waiver of Immunity T) Violation of Rights of Residents Coverage (Patient's Rights) . U) Liquor Liability Exception to Exclusion GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission. Page 1 of 10 V) Notice of Cancellation Provided By Us to Third Party W) Limited Rental Lease Agreement Contractual Liability X) HIPPA Y) Key& Lock Replacement—Janitorial Services Client Coverage Z) Damage to Property You Own, Rent or Occupy AA) Personal and Advertising Injury—Abuse of Process, Discrimination BB) Duties in the Event of Occurrence, Claim or Suite CC) Employee Criminal Defense Costs Only Coverage-$25,000 limit of insurance—each"criminal proceeding" A) MEDICAL PAYMENTS to premises rented to you or temporarily If Medical Payments Coverage (Coverage C) is not occupied by you with the permission of the otherwise excluded from this coverage part: owner. 1) The Medical Expense Limit is increased, subject A separate limit of insurance applies to this to all the terms of Limits of Insurance(Section III) coverage as described in Section III— Limits to$20,000 of Insurance. 2) The requirement in the Insuring Agreement of 2. Paragraph 6. of Section HI — Limits of Coverage C.that expenses must be incurred and Insurance is deleted and replaced by the reported to us within "one year"of the accident following: date is changed to"three years." 6. Subject to Paragraph 5. above, the Damage 3) Exclusion of Coverage, at your option, does not To Premises Rented To You Limit is the apply to your "volunteer workers" or any person most we will pay under COVERAGE A for or organization under your direct supervision and damages because of"property damage": control. a. resulting from fire, lightning, explosion, smoke or leaks from automatic fire protective systems, or B) SUPPLEMENTARY PAYMENTS - COVERAGES any combination thereof; and A AND B: b. caused by a resident; 1) The limit for the cost of bail bonds is changed from $250 to $3,000 to premises, rented to you or temporarily occupied by you with the permission of the 2) The limit for loss of earnings is changed from owner. $250 per day to $1,000 per day. Damage To Premises Rented To You Limit is the greater of: C) LEGAL LIABILITY EXTENSION — FIRE, a. $1,000,000 for damages due to fire, LIGHTNING, EXPLOSION, SMOKE, AND lightning, explosion, smoke or leaks LEAKS FROM SPRINKLERS from automatic fire protective 1. The last paragraph of Section I—Coverage A systems, or any combination there of; — 2. Exclusions, is deleted and replaced by or the following: b. The Damage To Premises Rented To Exclusions c. through n. does not apply to: You Limit shown in the Declarations. a. damage by fire, lightning, explosion, smoke or leaks from automatic fire D) WHO IS AN INSURED protective systems; and Paragraph 2. of Section II—Who Is An Insured is b. damage caused by a resident; deleted and replaced by the following: GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission, Page 2 of 10 2. Each of the following is also an insured, but or any member (if you are a limited only while working within the scope of their liability company). duties related to the conduct of your business; d. Medical directors and administrators, a. "Employees", including professional persons; b. "Volunteer Workers"; e. If you are an organization other than a c. Independent Contractors partnership or joint venture, your managers and supervisors are also insureds, but only However, no"employees","volunteer workers" with respect to their duties as your or independent contractors are insureds for: managers and supervisors; (1) 'Bodily injury" or "personal and f. If you are a limited liability company, your advertising injury": members are insureds, but only with (a) To you, to your partners or respect to their duties related to the conduct members (if you are a partnership of your business; or joint venture), to your members g. Any organization and subsidiary thereof (if you are a limited liability which you control and actively manage on company), to a co-"employee" the effective date of this endorsement; while in the course of his or her employment or performing duties h. Any person or organization that has related to the conduct of your financial control of you or owns, maintains business, or to your other or controls premises occupied by you and "volunteer workers"or independent requires you to name them as an additional contractors while performing duties insured but only with respect to their liability related to the conduct of your arising out of: business; (1) Their financial control of you; or (b) To the spouse, child, parent, (2) Premises they own maintain or brother or sister of that co- control while you lease or occupy "employee", "volunteer worker" or these premises. independent contractors as a This insurance does not apply to structural consequence of Paragraph (1)(a) alterations, new construction and demolition above; operations performed by or for that person or (c) For which there is any obligation to organization. • share damages with or repay i. Any State or Political Subdivision subject to someone else who must pay the following provision: damages because of the injury described in Paragraphs (1)(a) or This insurance applies only with respect to (b)above; or the following hazards for which the state or political subdivision has issued a permit in (d) Arising out of his or her providing or connection with premises you own, rent, or failing to provide professional control and to which this insurance applies: health care services. ,� (1) The existence, maintenance, repair, (2) Property damage"to property: construction, erection, or removal of (a) Owned, occupied or used by, advertising signs, awnings, canopies, (b) Rented to, in the care, custody or cellar entrances, coal holes, driveways, control of, or over which physical manholes, marquees, hoist away control is being exercised for any openings, sidewalk vaults, street purpose by banners, or decorations and similar you, any of your "employees", exposures; or "volunteer workers", independent (2) The construction, erection, or removal contractors,any partner or member(if of elevators; or you are a partnership or joint venture), GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission, Page 3 of 10 (3) The ownership, maintenance, or use of this insurance be primary or you request any elevators covered by this that it apply on a primary basis. insurance. Paragraph 3.a. of Section II—Who Is An Insured However, the insurance afforded for any is deleted and replaced by the following: organization and subsidiary thereof not a. Coverage under this provision is,subject to named in the Declarations as a Named (1)and (2) below: Insured, does not apply to injury or damage with respect to which an insured under this (1) Effective on the acquisition or formation endorsement is also an insured under date; and another policy,or would be an insured under (2) Afforded only until the end of the policy such policy but for its termination or the period of this Coverage Part or the next exhaustion of its limits of insurance. anniversary of its inception date, j. Students in training, but not for "bodily whichever is earlier. injury" or"property damage" arising out of his or her rendering or failure to render E) KNOWLEDGE OR NOTICE OF OCCURRENCE professional services to patients; 1) As it relates to any loss reporting k. Your members but only with respect to requirements under this policy, it is their liability for your activities or activities understood and agreed that knowledge of an they perform on your behalf; "occurrence" by an agent, servant or I. Your trustees or members of the board of "employee"of yours or any other person shall governors while acting within the scope of not in itself constitute knowledge by you, their duties as such on your behalf; unless a corporate officer of yours shall have m. Any entity you are required in a written received notice from said agent, servant, contract (hereinafter called Additional "employee" or any other person. Insured) to name as an insured is an 2) Your failure to give first report of a claim to us insured but only with respect to liability shall not invalidate coverage under this policy arising out of your premises,"your work"for if the loss was inadvertently reported to the Additional Insured, or acts or omissions another insurer. However, you shall report of the Additional Insured in connection with any such "Occurrence" to us within a the general supervision of"your work"to the reasonable time once you become aware of extent set forth below: such error. Insurance does not apply to"bodily injury," "property damage" or "personal and F) ADVERTISING INJURY — TELEVISED OR advertising injury" arising out of the VIDEOTAPED PUBLICATION rendering or failure to render any professional services by or for you, 1) The definition of "Personal and Advertising including: Injury" items 14. d., e., f. and g. are changed to read: "Personal and Advertising Injury" (1) The preparing,approving, or failing to means injury, including consequential "bodily prepare or approve, maps, shop injury", arising out of one or more of the drawings, opinions, reports, surveys, following offenses: field orders, change orders, or drawings and specifications; and d. Oral, written, televised, or videotaped publication of material that slanders or (2) Supervisors, inspection, or libels a person or organization or engineering services, disparages a person's or organization's Any coverage provided under this goods, products. or services; provision shall be excess over any other e. Oral, written, televised, or videotaped valid and collectible insurance available to publication of material that violates a the Additional Insured(s)whether primary, person's right of privacy; excess, contingent or on any other basis unless a contract specifically requires that f. Misappropriation of advertising ideas or style of doing business; or GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission. Page 4 of 10 g. Infringement of copyright, title, or slogan. a. Expected or Intended Injury 2) Exclusions b. and c. of Coverage B., Personal "Bodily Injury"or"Property Damage"expected or and Advertising Injury Liability, are changed to intended from the standpoint of the insured.This read: exclusion does not apply to "bodily injury" or "property damage" resulting from the use of b. "Personal and advertising injury" arising reasonable force to protect persons or property. out of oral, written, televised, or videotaped publication of material, if done by or at the direction of the insured with K) PREMISES SOLD OR ABANDONED BY YOU knowledge of its falsity; SECTION I — Coverages, Coverage A., 2. c. "Personal and advertising injury" arising Exclusions, j. (2) is deleted and replaced by the out of oral, written, televised, or following: videotaped publication of material whose (2) Premises you sell, give away, or abandon, if first publication took place before the the"property damage"arises out of any part of beginning of the policy period. those premises, and occurred from hazards that were known by you or should have G) BODILY INJURY—MENTAL ANGUISH reasonably been known by you,at the time the property was transferred or abandoned. The definition of"bodily injury" is changed to read: "Bodily Injury" means: L) ADDITIONAL INSURED—FUNDING SOURCE a. Bodily injury, sickness, or disease sustained by a person, and includes mental Under SECTION II — Who is an Insured, the anguish resulting from any of these; and following is added: b. Except for mental anguish, includes death Any person or organization with respect to their resulting from the foregoing(item above)at liability arising out of: any time. a. Their financial control of you; or b. Premises they own, maintain, or control while H) UNINTENTIONAL FAILURE TO DISCLOSE you lease or occupy these premises. HAZARDS This insurance does not apply to structural It is agreed that, based on our reliance on your alterations, new construction, and demolition representations as to existing hazards, if you operationsperformed byor for that p person or should unintentionally fail to disclose all such organization. hazards prior to the beginning of the policy period of this Coverage Part, we shall not deny coverage under this Coverage Part because of such failure. M) ADDITIONAL INSURED — MANAGERS OR LESSORS OF PREMISES Under SECTION II — Who is an Insured, the following is added: I) LIBERALIZATION Any person or organization with respect to their If we adopt a change in our forms or rules which liability arising out of the ownership, maintenance, would broaden your coverage without an or use of that part of the premises leased to you, additional premium charge, your policy will subject to the following additional exclusions: automatically provide the additional coverages as of the date the revision is effective in your state. This insurance does not apply to: a. Any "occurrence" which takes place after you cease to be a tenant in that premises. J) EXTENDED "PROPERTY DAMAGE" b. Structural alteration, new construction, or SECTION I — Coverages, Coverage A, 2. demolition operations performed by or on Exclusions, a. is deleted and replaced by the behalf of that person or organization. following: GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission, Page 5 of 10 N) BLANKET ADDITIONAL INSURED WITH engaged in performing operations on PRIMARY AND NON-CONTRIBUTORY or at the same project. WORDING-BY CONTRACT,AGREEMENT OR b) This insurance does not apply to "bodily PERMIT injury," "property damage," "personal and 1) Any person or organization is an insured with advertising injury" caused by the rendering whom you are required to add as an additional of or failure to render any professional insured to this policy by a written contract or services. written agreement, or permit that is: 4) Regardless of whether other insurance is a) Currently in effect or becoming effective available to an additional insured on a primary during the term of this policy; and basis, this insurance will be primary and b) Executed prior to the "bodily injury," noncontributory if a written contract between "property damage," "personal and you and the additional insured specifically advertising injury. requires that this insurance be primary. 2) This insurance provided to the additional insured by this endorsement applies as 0) GENERAL AGGREGATE LIMIT PER LOCATION follows: SECTION III—Limits of Insurance, paragraph 2.is a) That person or organization is only an deleted and replaced by the following; additional insured with respect to liability 2. The most we will pay for all damages and caused by your negligent acts or medical expenses combined attributable to omissions at or from: ongoing operations at any and all locations, (1) Premises you own, rent, lease, or regardless of the number of locations, insureds, occupy, or claims made, "suits" brought, or persons or (2) Your ongoing operations performed organizations making claims or bringing "suits" for the additional insured at the job is a Maximum General Policy Aggregate Limit indicated by written contract or equal to$10,000,000. written agreement. b) The limits of insurance applicable to the P) BLANKET SPECIAL EVENTS additional insured are those specified in This insurance applies to "Bodily Injury," the written contract or written agreement "Property Damage," and "Personal and or in the Declarations of this policy, Advertising Injury" arising out of all special whichever is less. These limits of events hosted or operated by the named insurance are inclusive of and not in insured. However, this insurance does not addition to the limits of insurance shown apply to the following EXCLUDED EVENTS: in the Declarations. 3) With respect to the insurance afforded these a) Parades additional insureds, the following additional b) Aircraft exclusions apply: c) Motorcycle runs and automobile rallies a) This insurance does not apply to "bodily d) Fireworks injury" or "property damage" occurring e) Event with unlawful use of Firearms after: (1) All work, including materials, parts or f) Animals other than domesticated household equipment furnished in connection pets with such work, on the project (other g) Carnivals and fairs with mechanical rides than service, maintenance or repairs) h) Concerts to be performed by or on behalf of the i) Events including contact sports additional insured(s) at the site of the covered operations has been j) Rodeos completed; or k) Political rallies (2) That portion of "your work" out of I) Any event lasting more than three (3) days which the injury or damage arises has (including otherwise acceptable events) been put to its intended use by any person or organization other than m) Any event with greater than 1,000 people in another contractor or subcontractor attendance (including otherwise acceptable events) GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission. Page 6 of 10 Separate coverage may be available at the 2) As it relates to coverage provided in company's discretion for the events excluded paragraph A.1. of this endorsement, the above. Possible additional charges may apply if following exclusions are added to Section I— coverage is provided. Coverages—Coverage A-2. Exclusions: This insurance does not apply to: Q) NON-OWNED WATERCRAFT a) Liability arising out of the willful or SECTION I — Coverages. 2. Exclusions, intentional violation of 'Rights of paragraph g.(2) is deleted and replaced by the Residents." following: b) Fines or penalties assessed by a court or (2) A watercraft you do not own that is: regulatory authority. (a) Less than 65 feet long, and c) Liability arising out of any act or omission in the furnishing, or failure to (b) Not being used to carry persons or furnish, professional services in the property for a charge; medical treatment of"residents." This provision applies to any person,who with 3) As it relates to the violation of "Rights of your consent, either uses or is responsible for Residents" Coverage, the following • the use of a watercraft. definition is added to Section V — This insurance is excess over any other valid Definitions: and collectible insurance available to the "Rights of residents"means: insured whether primary, excess, or contingent. a. Any right granted to a resident under any state law regulating your business as a health care facility. R) BLANKET WAIVER OF SUBROGATION b. The "Rights of Residents" as included in We will waive our rights of recovery to any person the United States Department of Health or organization with whom you are required by a and Welfare regulations governing written contract, written agreement, or permit that participation of Intermediate Care is: Facilities and Skilled Nursing Facilities, a) Currently in effect or becoming effective during regardless of whether your facility is the term of this policy; and subject to those regulations. b) Executed prior to the "bodily injury," "property damage," "personal and advertising injury. U) LIQUOR LIABILITY EXCLUSION—EXCEPTION FOR SPECIAL EVENTS S) WAIVER OF IMMUNITY SECTION I — Coverages, Coverage A., 2. Exclusions, c. is amended by adding the We will waive, both in the adjustment of claims following subparagraph: and in defense of"suits" against the insured, any This exclusion does not apply to "bodily injury" or charitable or governmental immunity of the "property damage" arising out of the selling, insured, unless the insured requests, in writing, serving or furnishing of alcoholic beverages at any that we not do so. special events that are hosted or operated by the Waiver of immunity, as a defense,will not subject named insured. us to liability for any portion of a claim or V) NOTICE OF CANCELLATION PROVIDED BY US judgment, in excess, of the applicable limit of TO THIRD PARTY insurance. If this policy is cancelled by us we will send notice to the Named Insured and any party listed on file. T) VIOLATION OF RIGHTS OF RESIDENTS We must be provided with each party s name, (PATIENT'S RIGHTS) address and number of days' notice. . 1) The following is added to Section I — We will provide the number of days' notice shown Coverages — Coverage A, paragraph 1. on file for any statutorily permitted reason other Insuring Agreement: "Bodily Injury" than non-payment of premium. damages arising out of the violation of "Rights of Residents," shall be deemed an "occurrence." GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission. Page 7 of 10 W) LIMITED RENTAL LEASE AGREEMENT b. "Investigation" means an examination of an CONTRACTUAL LIABILITY actual or alleged "violation(s)" by HHS. However, "investigation" does not include a SECTION I — Coverages, Coverage A. Bodily Compliance Review. Injury And Property Damage Liability, c."Violation"means the actual or alleged failure, Subsection 2. Exclusions, Paragraph b. to comply with the regulations included in the Contractual Liability is amended to include the HIPAA. following: (3) Based on the named insured's request at the Y) KEY AND LOCK REPLACEMENT—JANITORIAL time of claim,we agree to indemnify the named SERVICES CLIENT COVERAGE insured for their liability assumed in a contract or agreement regarding the rental or lease of a SECTION I — Coverages, Supplementary premises on behalf of their client, up to Payments — Coverages A And B is amended to $50,000.This coverage extension only applies include the following: to rental lease agreements. This coverage is excess over any renter's liability insurance of We will pay for the cost to replace keys and locks at the client. the "clients" premises due to theft or other loss to keys entrusted to you by your "client." up to a X) HIPAA $10,000 limit per occurrence and $10,000 policy SECTION I—Coverages, Coverage B Personal aggregate. And Advertising Injury Liability, is amended as follows: We will not pay for loss or damage resulting from theft or any other dishonest or criminal act that you 1. Paragraph 1. Insuring Agreement is amended or any of your partners, members, officers, to include the following: "employees", "managers", directors, trustees, We will pay those sums that the insured authorized representatives or any one to whom you becomes legally obligated to pay as damages entrust the keys of a"client"for any purpose commit, because of a "violation(s)" of the Health whether acting alone or in collusion with other Insurance Portability and Accountability Act persons. (HIPAA). We have the right and the duty to defend the insured against any "suit," The following, when used on this coverage, are "investigation," or "civil proceeding" seeking defined as follows: these damages. However,we will have no duty a. "Client" means an individual, company or to defend the insured against any "suit" organization with whom you have a written seeking damages, "investigation," or "civil contract or work order for your services for a proceeding" to which this insurance does not described premises and have billed for your apply. services. 2. Paragraph 2. Exclusions is amended to include b."Employee" means: the following additional exclusions: (1)Any natural person: This insurance does not apply to: (a) While in your service or for 30 days after a. Intentional,Willful,or Deliberate Violations termination of service; Any willful, intentional, or deliberate (b) Who you compensate directly by salary, "violation(s)"by any insured. wages or commissions;and b. Criminal Acts (c) Who you have the right to direct and Any"violation" which results in any criminal control while performing services for you; penalties under the HIPAA. or C. Other Remedies (2) Any natural person who is furnished Any remedy other than monetary damages temporarily to you: for penalties assessed. (a)To substitute for a permanent"employee" d. Compliance Reviews or Audits as defined in Paragraph (1) above, who Any compliance reviews by the Department is on leave; or of Health and Human Services. (b)To meet seasonal or short-term workload 3. The following,when used on this coverage, are , conditions; defined as follows: while that person is subject to your direction a. "Civil proceeding" means an action by the and control and performing services for you. Department of Health and Human Services (3)"Employee"does not mean: (HHS) arising out of"violations." (a) Any agent, broker, person leased to you by a labor leasing firm, factor, GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission. Page 8 of 10 commission merchant, consignee, employment, termination of employment, independent contractor or or application for employment of any representative of the same general person or persons by an insured; character; or c. Directly or indirectly related to the sale, (b) Any "manager," director or trustee rental, lease or sublease or prospective except while performing acts coming sales, rental, lease or sub-lease of any within the scope of the usual duties of an room, dwelling or premises by or at the "employee." direction of any insured; or (c) "Manager" means a person serving in a directorial capacity for a limited liability d. Insurance for such discrimination is company. prohibited by or held in violation of law, public policy, legislation,court decision or Z) DAMAGE TO PROPERTY YOU OWN, RENT OR administrative ruling. OCCUPY The above does not apply to fines or penalties Coverage A. Bodily Injury And Property imposed because of discrimination. Damage Liability Subsection 2. Exclusions, BB) DUTIES IN THE EVENT OF OCCURRENCE, Paragraph j. Damage to Property, Item (1) is CLAIM OR SUIT deleted in its entirety and replaced with the following: SECTION IV— Commercial General Liability (1) Property you own, rent, or occupy, including Conditions, Paragraph 2. is amended as any costs or expenses incurred by you, or any follows: other person, organization or entity, for repair, a. Is amended to include: replacement, enhancement, restoration or This condition applies only when the maintenance of such property for any reason, "occurrence" or offense is known to: including prevention of injury to a person or (1) You, if you are an individual; damage to another's property, unless the (2) A partner, if you are a partnership; or damage to property is caused by your client, (3) An executive officer or insurance up to a $30,000 limit. A client is defined as a manager, if you are a corporation. person under your direct care and supervision. b. Is amended to include: This condition will not be considered breached unless the breach occurs after AA) PERSONAL AND ADVERTISING INJURY — such claim or"suit" is known to: ABUSE OF PROCESS, DISCRIMINATION (1) You, if you are an individual; If Coverage B Personal And Advertising (2) A partner, if you are a partnership; or Injury Liability coverage is not otherwise (3) An executive officer or insurance excluded from this Coverage Part, the definition manager, if you are a corporation. of "personal and advertising injury" is amended as follows: CC) EMPLOYEE CRIMINAL DEFENSE COSTS 1. SECTION V — DEFINITIONS, Paragraph ONLY COVERAGE 14.b. is deleted in its entirety and replaced 1. The following provision is added to the by the following: Policy: b. Malicious prosecution or abuse of Employee Criminal Defense Costs process; Only Coverage 2. SECTION V—DEFINITIONS, Paragraph 14. We will pay, on your behalf, for "defense is amended by adding the following: costs" incurred by your "employee" in a "criminal proceeding". We will have the Discrimination based on race, color, religion, right, but not the duty to defend your sex, age or national origin, except when: "employee" in such "criminal proceeding". a. Done intentionally by or at the direction of, or with the knowledge or consent of: 2. The most we will pay for any one "criminal (1) Any insured; or proceeding" is $25,000, regardless of the number of "employees" involved in such (2) Any executive officer, director, "criminal proceeding". The payment of stockholder, partner or member of "defense costs" under this Employee the insured; Criminal Defense Costs Only Coverage is b. Directly or indirectly related to the in addition to and does not reduce the employment, former or prospective Limits of Insurance shown on the GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission. Page 9 of 10 Declarations. However, the payment of not constitute a separate "criminal "defense costs" under this Employee proceeding". Criminal Defense Costs Only Coverage is included within and shall reduce the b. "Defense costs" means $25,000 each "criminal proceeding" Limit (1) Reasonable attorney fees (including shown in Item V) of the Schedule above fees for the services of paralegals, and we will not pay for any further"defense law clerks and/or investigators costs" for a "criminal proceeding" after the $25,000 limit has been exhausted. working under the direction of said attorney); and 3. The following additional Exclusions apply to (2) Reasonable and necessary costs, this Employee Criminal Defense Costs excluding loss of income. Only Coverage: 5. Under no circumstances will "defense costs" This insurance does not apply to: payable under this Employee Criminal a. Coverage Provided Under Defense Costs Only Coverage be payable as SECTION I -Coverages A or B Supplementary Payments under Coverages Any "defense costs" for which A or B. coverage is provided under Coverage A Bodily Injury And Property Damage Liability And Coverage B Personal And Advertising Injury All other terms and conditions of the policy Liability of this policy; or remain the same. b. Damages, Fines or Penalties Any damages or penalties. 4. The following additional Definitions apply to this Employee Criminal Defense Costs Only Coverage: a. "Criminal proceeding"means: The prosecution of any of your "employees" commenced by the filing, with a court, or other regulatory enforcement agency, of an information, a complaint, or an indictment, and any amendments thereto, alleging that your "employee" had, during the policy period, committed one or more crimes involving one or more incidents, acts, or events. Such incidents, acts or events must arise within the scope of your "employee's" employment by you or occur while your "employee"is performing duties related to the conduct of your business. Any "criminal proceeding" shall be considered a single"criminal proceeding", notwithstanding the fact that the prosecution or investigation may involve multiple incidents, multiple counts or charges, and/or multiple trial and/or appellate proceedings. A subsequent or different prosecution or investigation based on the same incidents, acts, or events that provided the basis for the original prosecution or investigation shall GL 108 02 FL 01 19 Includes copyrighted material of Insurance Services Office, Inc.with permission. Page 10 of 10