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Item C02
COUNTY of MONROE BOARD OF COUNTY COMMISSIONERS Mayor Michelle Lincoln,District 2 The Florida Keys Mayor Pro Tern David Rice,District 4 J. Craig Cates,District 1 James K. Scholl,District 3 Holly Merrill Raschein,District 5 Regular Meeting January 28, 2026 Agenda Item Number: C2 25-0133 BULK ITEM: Yes DEPARTMENT: Facilities Maintenance TIME APPROXIMATE: N/A STAFF CONTACT: Willie DeSantis AGENDA ITEM WORDING: Approval to advertise a public hearing for a request from Reef Environmental Education Foundation for a temporary road closure of a small portion of Bahama Road in Key Largo on April 26,2026, from 9:00am -6:00pm for their annual Lionfish Derby and Festival. ITEM BACKGROUND: Reef Environmental Education Foundation (REEF) has requested a temporary partial road closure of Bahama Road on April 26, 2026,from 9am - 6pm for their annual Lionfish Derby and Festival. The section of road requesting to be closed borders the Northern end of their property that houses REEF's new Ocean Exploration Center. The small portion of the road is located between the Southbound and Northbound lanes of US1 Highway near MM98 in Key Largo. The intent of the closure is to create additional space for a safe "block party" style atmosphere that enhances the festival experience for all attendees. Last Year, Reef Environmental Education Foundation held this same event on April 27, 2025. The temporary road closure was successful and without incident. PREVIOUS RELEVANT BOCC ACTION: January 15, 2025, BOCC Meeting — Approval to advertise a Public Hearing for the 2025 REEF Lionfish Derby and Festival temporary road closure INSURANCE REQUIRED: No CONTRACT/AGREEMENT CHANGES: N/A STAFF RECOMMENDATION: Approval DOCUMENTATION: FINANCIAL IMPACT: N/A TM Reef Environmental Education Foundation October 27, 2O25 Upper Keys Facilities Maintenance Monroe County Public Works 3OO Magnolia Street Key Largo, FL33O37 Attn: Nestor Torra Dear Facilities Maintenance Team, | am writing to formally request stemporary closure of Bahama Road, located between the so~thboundand northbound lanes mf USlinKey Lsrg:� onSundsy,,April 2Bi2028i from 9:00 a,nm.to8:00 p.mn.,to support a community event hosted by the Reef Environmental Education Foundation (REEF). For more than a decade,, REEF has organized the Lionfish Derby and Festival in the Florida Keys to encourage the removal of invasive lionfish from our coral reefs.This event takes place at our REEF Campus property at MM98.5 (in the median) in Key Largo.This event will feature hands-on activities, interactive displays, educational games, and other engaging experiences designed to inspire conservation and connect our community. To accommodate the visitors, families, and vendors, we request the closure of Bahama Road between the southbound and northbound lanes of US1 at MM98.This section of road borders the northern end of our property and provides access to only one building—REEF's new Ocean Exploration Center.The closure would create additional space for a safe, "block party"-style atmosphere that enhances the festival experience for all attendees. We estimate that around 250 people will participate in the Festival, and we are applying for a Public Assembly Permit with the Planning Department. Thank you for considering this request. If you require additional details or have any questions, please do not hesitate to contact REEF Operations Manager Sierra Barkdo!! st305'852'0030 orsierrs.bsrkdo!!@REEF.org. We look forward to working with you to make this exciting community event a success. Sincerely, Sierra 8arhdo|| Operations Manager Reef Environmental Education Foundation (REEF) Attachment:Goog|e map of the Bahama Road area requested tobeclosed REEF conserves marine environments worldwide.Our mission is to protect biodiversity and ocean life by activeiy engaging and inspiring the public through citizen science,education,and partnerships with the scientific community. P.o. Box 37024G0 Key Largo, Florida 3303703Os'8s2'00300 Fax 3O5'8s2'O3010www.RssF.org 0ro,fhq@REEF.o,g u, MONROE COUNTY BOARD OF COUNTY COMMISSIONERS r ' POLICY FOR EXTERNAL USE OF COUNTY PROPERTY I. PROCEDURE Any individual, group, or organization requesting the use of County owned, leased or controlled property for an activity, event, or meeting unrelated to County official business MUST complete the REQUEST FOR USE OF COUNTY PROPERTY Application(attached to this policy as Exhibit A) and the HOLD HARMLESS AND INDEMNITY Agreement(attached as Exhibit"B"). Applications must be submitted to the County no later than five (5)business days prior to the desired event date,unless it is a large special event or involves alcoholic beverages, which require additional days as noted in this Policy. This policy shall not include those rentals subject to a formal written agreement (i.e., contract, lease, licensing agreement, etc.)between the user and the County unless stated otherwise in the formal written agreement. SUBMITTING AN APPLICATION IN NO WAY GUARANTEES USE. COUNTY MUST APPROVE THE REQUEST IN WRITING. MONROE COUNTY RESERVES THE RIGHT TO REJECT, CANCEL, DISAPPROVE OR RESCHEDULE ANY USE FOR ANY REASON REGARDLESS OF PRIOR APPROVAL. All applications must be approved by the Monroe County Risk Manager and the respective Department Director. For specific contact information and to obtain submission instructions, please see Exhibit C of this Policy. Applications involving fee waiver requests require written approval from the Department Director. Such events must submit the Request for Use of County Property Application and the Hold Harmless and Indemnity Agreement along with the required attachments no later than five (5) business days prior to the desired event date. For large special events (250+participants), the required documents must be submitted fifteen(15)days in advance. For additional information related to large special events, see Section V below. For events with alcoholic beverages see, Section IV. THIS POLICY DOES NOT APPLY TO INTERDEPARTMENTAL USE BY COUNTY DEPARTMENTS UNLESS ADDITIONAL SET UP IS REQUIRED (i.e., IT equipment, etc.). II. GENERAL RULES AND REGULATIONS 1. Approval of an application is based on availability. Monroe County reserves the right to deny any request or revoke any approval for any reason(s) including but not limited to: availability of property, County's ability to properly staff the property, inclement weather, in the event of emergencies and/or the scheduling of Board of County Commissioners meetings. 2. Commercial uses (e.g., tennis lessons for profit) at the following locations are not permitted: a. Key Largo Community Park b. Old Settlers Park c. Big Pine Community Park d. Bernstein Park e. Pine Channel Nature Park f. Clarence S. Higgs Memorial Beach Park. g. Friendship Park h. MCFR conference rooms Policy for Use of Public Facilities 1 January 2025 3. Applications more than twelve (12) months in advance of the proposed use will not be approved. Reasonable use of the meeting rooms is expected. 4. Permission to use County property shall not constitute a waiver of any local, state, or federal laws. 5. During any declared State of Emergency, this Use of Property policy shall be suspended for the duration of the emergency for any County approved Disaster Recovery Centers or other recovery uses as necessary. 6. Smoking and/or use of tobacco is prohibited on all County property. 7. The request will be considered approved only when all required documents have been submitted; all required approvals have been obtained; all fees have been paid in full; and the Applicant has received written confirmation of approval from the County. 8. CHECKS OR MONEY ORDERS MUST BE MADE PAYABLE TO "MONROE COUNTY BOARD OF COUNTY COMMISSIONERS". 9. MAJOR CREDIT CARDS ARE ACCEPTABLE, ADDITIONAL MERCHANT PROCESSING FEES MAY BE CHARGED. 10. CASH IS NOT ACCEPTED. 11. ALL FEES LISTED ARE INCLUSIVE OF SALES TAX. 12. VIOLATION OF ANY COUNTY RULE OR REGULATION SHALL RESULT IN IMMEDIATE REVOCATION OF THE APPROVAL AND MAY RESULT IN THE APPLICANT NO LONGER ALLOWED TO USE COUNTY PROPERTY IN THE FUTURE. 13. FEES ARE NON-REFUNDABLE UNLESS MONROE COUNTY CANCELS OR REVOKES THE APPROVAL. III. INSURANCE AND INDEMNIFICATION 1. INDEMNIFICATION AND HOLD HARMLESS: All Applicants must provide to the County an executed Hold Harmless Agreement at the time of the request. THIS REQUIREMENT CANNOT BE WAIVED. 2. Monroe County Risk Management may determine that insurance is required. Examples of insurance coverage which may be required, include but are not limited to the following: • Worker's Compensation; • General Liability; • Vehicle Liability; • Aircraft/Watercraft Liability; and/or • Liquor Liability 3. If the Monroe County Risk Manager determines that insurance is required,the Applicant shall provide to the County an insurance certificate(s) naming Monroe County Board of County Commissioners (44BOCC99)9 1100 Simonton Street, Key West, Florida 33040, as an additional insured (except for Worker's Compensation). 4. The insurance requirements may be waived as determined by the Monroe County Risk Manager or designee. 5. All Applicants must comply with the insurance requirements provided by Monroe County Risk Management. Monroe County Risk Management may be reached at (305) 292-3470 IV. SPECIFIC RULES AND FEES 1. For additional information on Monroe County rentals available including use fees, availability, and contact information, please see Exhibit C. 2. In addition to the usual fees assessed, any Applicant that impacts normal services to the requested County Property will be charged the cost above normal expenses for the use, including but not limited to, staff fees. Policy for Use of Public Facilities 2 January 2025 3. Should a use require additional time other than the time slot(s)originally approved,the additional fee(s) for such time owed the County will be invoiced at the applicable rate. Non-payment of any invoice by an Applicant will result in the Applicant not being authorized to use County property pursuant to this Policy until the County has been paid in full for any and/or all outstanding invoice(s). 4. If there are regular County fees for a facility, those fees will be charged in addition to the use fee(s). 5. FEE WAIVERS. Fees are mandatory unless waived pursuant to Exhibit D. 6. ALCOHOLIC BEVERAGES. The use or sale of alcoholic beverages shall be prohibited unless prior approval is obtained from the County Administrator pursuant to Exhibit E. The County Administrator is the only individual authorized to waive this prohibition. V. PUBLIC ASSEMBLY PERMITS (250+PARTICIPANTS) All functions expected to exceed 250 participants/spectators a day are required to contact the Monroe County Sheriff's Office, Monroe County Fire Department, Monroe County Planning Department as well as the Monroe County Department from which the rental will be requested to obtain a Public Assembly Permit (Ordinance No. 030-1996). The Public Assembly Permit Application must be submitted as set forth in the Monroe County Code Sec. 17-29. Christine Hurley, County Administrator (January.25��� igit Ily signed by Christine Christine Hurley Hurley Date:2025.01.15 11:54:49-05 00 w 11 v : i a 4 P i I ASSISTANT" �,_OI k R E. a E Policy for Use of Public Facilities 3 January 2025 EXHIBIT A January 2025 REQUEST FOR USE OF COUNTY PROPERTY APPLICATION Please note that the re guest does not guarantee the rental until approved in writin q q pp q Application Date: 11/21/2025 Telephone number: 305-852-0030, ext 1000 Email: sierra.barkdoll@reef.org Name of Individual or Organization and Contact Person; Sierra Barkdoll Address: 98300 Overseas Hwy., Key Largo, FL 33037 Specific County property requested: Bahama Rd in median between Northbound and Southbound US 1 Description of Intended use:part of festival site Date(s) needed: April 26, 2026 Time (include set up and clean up): from 9am to 6pm Number of participants: 250 If greater than 250, a Monroe County Public Assembly Permit is required. Previous history of holding similar event? Yes■❑ No❑ Please check all that apply to your event: Monroe County Schools Sponsored ✓ Event will have tents(tent stakes not permitted) Non-profit sports league ✓ Event will have music ✓ Alcohol consumption/sales Event will have live animals ✓ Coordination with Planning Dept. ✓ Event will have food sales ✓ Coordination with Sheriff's Office. Event will require athletic field(s) painted &prepared ✓ Coordination with Fire Dept. Improvement of community(planting trees,beach cleaning,etc) ✓ Fee Waiver Request(requires separate form) Event will have Bounce House/Inflatables Admission or other charge for participants$ ✓ Site Plan attached (special room configuration,events&races) COMPLETE FOR MEETING ROOMS AND COMMUNITY CENTERS ONLY: Special AudioNisual Equipment needed: Yes❑ Describe: Public Address System or DJ:Yes❑ Room Arrangement: ............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................ Fees are listed in the Policy for External Use of Monroe County Property. Major Credit Cards are accepted, and Checks or Money Orders shall be made payable to Monroe County Board of County Commissioners. All fees are NON-REFUNDABLE. ............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. t Digitally signed by Sierra Barkdoll B signing you agree to Monroe Count 's rules and regulations. Signature: �� Date:2025.12.01 17:08:05-05'00' Y g gY g Y g g ............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................ COUNTY USE ONLY Fees Due: Fees Paid: Date Fees Paid: ............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................ Approved by Department Director(required for non-County events): Fee Waiver requested:Yes❑ No❑ Signature: Eligible for Fee Waiver Yes[:] No❑ Approved by Monroe County Risk Manager or Designee: Category of Fee Waiver: Signature: MONROE COUNT Y ATTORNiEY'SOFFICE Approved b Monroe Count Administrator(required for alcohol use :pp Y Y ) 10i � s ASMST O " DATE: Signature: MONROE COUNTY RESERVES THE "TO REJECT,CANCEL,DISAPPROVE,OR RESCHEDULE ANY USE FOR ANY REASON. ............................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................................. EXHIBIT B MONROE COUNTY BOARD OF COMMISSIONERS EVENT AND USE OF COUNTY PROPERTY HOLD HARMLESS AND INDEMNITY AGREEMENT(not required for interdepartmental use) For and in consideration of having been granted permission by the Monroe County Board of Commissioners, County Administrator, and/or Assistant County Administrator, or his/her designee to hold an Event within Monroe County limits or on Monroe County property, the Undersigned on behalf of the organization hereby agrees on behalf of the organization,to protect and hold harmless Monroe County,its subsidiaries or affiliates,elected and appointed officials, employees, volunteers, representatives and agents from (i) any claims, actions or causes of action,(ii)any litigation, administrative proceedings, appellate proceedings,or other proceedings relating to any type of injury (including death), loss, damage, fine, penalty or business interruption, and (iii) any costs or expenses that may be asserted against,initiated with respect to,or sustained by,any indemnified party by reason of,or in connection with, (A)any activity of Undersigned or any of Undersigned employees,agents,contractors or other invitees, (B)the negligence or willful misconduct of Undersigned or any of its employees, agents, sub-contractors or other invitees, or(C)Undersigned's default in respect of any of the obligations that it undertakes under the terms of this Agreement, except to the extent the claims, actions, causes of action, litigation, proceedings, costs or expenses arise from the intentional or sole negligent acts or omissions of the County or any of its employees, agents, contractors or invitees (other than Undersigned) arising out of or occurring in connection with the event or the use of County property described herein. The Undersigned also agrees to protect and hold harmless Monroe County, its subsidiaries or affiliates,elected and appointed officials,employees,volunteers,representatives and agents from any present,past or future claims which may be asserted by this organization, or any member of this organization or any participation or third party arising out of or occurring in connection with this event or the use of County property. That as the consideration of the County entering into this Agreement with the Undersigned,it is agreed and understood that the Undersigned shall indemnify the County against any and all claims or expenses or losses of any type, which are related to or arising from the participation of the Undersigned in this event. The Undersigned agrees and understands that a part of said consideration for this Agreement shall include the Undersigned's promise that any rights to bring suit against the County and any rights to compensation therefrom on any matters arising from or otherwise related to Undersigned's participation in this event have been knowingly and willingly relinquished by the Undersigned under this Agreement. The Undersigned therefore agrees to save harmless, indemnify, and defend the County, including its subsidiaries and affiliates, its consultants, representatives and agents, volunteers, elected and appointed officers, and employees from any and all claims, suits,actions,damages,expenses,losses,penalties,interest,demands,judgments, and liabilities claims and related expenses in connection with the loss thereof, and costs of suit, including attorneys' fees, for any expenses, damages, or liability incurred by any of them, whether for bodily or personal injury, death, property damage, direct or consequential damages, or economic loss or use thereof, including environmental impairment, arising directly or indirectly on account of or arising out of the Undersigned's participation in this event or the use of County property. The Undersigned's obligation shall not be limited by, or in any way to, any insurance coverage or by any provision in or exclusion or omission from any policy of insurance. The Undersigned agrees to pay on behalf of Monroe County, as well as provide a legal defense for the County, both of which will be done only if and when requested by the County, for all claims made. Such payment on behalf of the County shall be in addition to any and all other legal remedies available to the County and shall not be considered to be the County's exclusive remedy. Or in the case of another Government a cy The , as a state agency or subdivision defined in Section 768.28, Florida Statutes, agrees to be fully responsible to the limits set forth in such statute for its own negligent acts or omissions, or intentional tortious actions, which result in claims or suits against either County or and agrees to be liable to the statutory limits for any damages proximately caused by said acts or omissions, or intentional tortious acts. The County, as a political sub-division of the State of Florida,as defined in Section 768.28,Florida Statutes,agrees to be fully responsible to the limits set forth in such statute for its own negligent acts or omissions, or intentional tortious acts, which result in claims or suits against either the or County, and agrees to be liable to the statutory limits for an damages proximately caused by said acts or omissions, or intentional tortious acts. .......... ----------- ...................................................... .........................................---.......----------................................................... In all cases Nothing contained in this Section shall be construed to be a waiver by either party of any protections under sovereign iMMUnity, Section 768.28 Florida Statutes,or any other similar provision of law.Nothing contained herein shall be construed to be a consent by, .-pither party,to be,sued by third parties in any maqer qrisiDg out of this or any other Agreement. The extent of liability is in ri'o"wa' y limited to, reduced, or lessened by any insurance r equirements. Those who are hereby released shall not be stopped or otherwise barred from asserting any expressly reserved right to assert any claim or cause of action they may have against the Undersigned or any others. Damage done to any County equipment or property during the time the County property is utilized by the Undersigned will be the responsibility of the Undersigned. By utilizing County property,the Undersigned understands and agrees to promptly repair(with permission from the County) and return the property to equal or better condition than the property was in before the use at no cost to the County. This Agreement shall be interpreted under and its performance governed by the laws of the State of Florida. The parties agree that any action relating to this Agreement shall be instituted and prosecuted in the courts of Monroe County, Florida, and therefore, each party to this Agreement hereby waives the right to any change of venue. By the signature to this docurnent, the undersigned acknowledges that-4t understands the contents of this document and is voluntarily agreeing to its terms. If the undersigned is an entity or an organization,the undersigned is authorized and holds the actual authority as the Legally Authorized Representative of this entity/organization to enter into this Agreement and the entity/organization has delegated such signatory authority to me. In witness whereof I/we have hereunto set my/our hand and seal this day of,,Sl .111,,,I�����nthe year 2 OZ, NAME OF EVENT 2026 Florida Keys Lionfish Derby and Arts Festival DA:rE(S)OF EVENT April 26,2026 LOCATION OF EVENT 98300 Overseas Hwy,Key Largo,FL 33037 ............... `NT rnarine conservation nonprofit community festival PURPOSE OF EVE Reef Evironmental Education Foundation, Inc ... ............... mc*oE couNTY ATTORNEY$(OFICE IndividualA,".) '')r,altn,ization/s,11onsor's Nam A PIVE 00, P 'IA EAALE$ ATRWo (*(*I NIV ATI OiNt."Y 11n Lon s o r,s 11a mA DAW: Signature of Legally Authorized Representative Printed Name and Title State of Florida County of Monroe SUBSCRIBED AND SWORN to (or affirmed before me) by means of �physical presence or Elonline notarization on thisA.......... ay of..... V by C,,H IV-4 iant), of aff" '1 11 to 0 C (type of identification)as identifiteation. who *11", 11 y ki, 'AWL JENNIFER KUNKOWSKI 'Nota''i 'Pub Notary Public-State of FloiriclP. Commission HH 701992 My Comm.Expires Jul 23,2029 EXHIBIT C AVAILABLE PROPERTIES, FEES, AND ADDITIONAL INFORMATION ENGINEERING,ROADS & BRIDGES Location and Type of Rental: For more information or to rent this location, please contact: Events, projects, etc., affecting or occurring on Monroe County Facilities Maint. Dept. any County owned road or bridge 10600 Aviation Boulevard Marathon, FL 33050 PHONE: (305) 289-6036 Roads & Bridges Fees Monday—Friday $100.00 per day Weekends and Holidays $150.00 per day Additional Rules & Regulations for Roads & Bridges Use Events, projects, etc., affecting or occurring on any road or bridge must be pre-approved by the Monroe County Engineering Department and/or the Florida Department of Transportation, as appropriate. The use of off duty law enforcement may likewise be required. Coordination with off duty officers is the Applicant's responsibility and shall be coordinated directly with the law enforcement agency. In addition to the direct costs for a deputy, the Monroe County Sheriff's Department is required to charge overhead costs. Proof of coordination of traffic control arrangements must be provided to the Risk Manager prior to the event. FACILITIES MAINTENANCE Location and Type of Rental: For more information or to rent this location, please contact: The Gato Building Monroe County Administrator's Office 1100 Simonton Street 1100 Simonton St. Key West, FL 33040 Key West, FL 33040 (3) conference rooms; lobby PHONE: (305) 292-4441 The Harvey Government Center Monroe County Facilities Maintenance Dept. 1200 Truman Avenue 10600 Aviation Boulevard Key West, FL 33040 Marathon, FL 33050 BOCC Meeting Room; Media Room PHONE: (305) 289-6036 Marathon Government Center Monroe County Facilities Maintenance Dept. 2798 Overseas Highway 10600 Aviation Boulevard Marathon, FL 33050 Marathon, FL 33050 BOCC Meeting Room; Media Room PHONE: (305) 289-6036 Murray E. Nelson Government & Cultural Monroe County Facilities Maintenance Dept. Center 300 Magnolia St. 102050 Overseas Highway, MM 102.5 Key Largo, FL 33037 Key Largo, FL 33037 PHONE: (305) 852-7117 Theater/BOCC Meeting Room Additional Rules & Regulations for Facilities Maintenance Rentals 1. Meeting rooms and/or theatre may not be used before 8:00 a.m. or after 11:00 p.m. 2. County personnel will ensure the room is opened in the evening and locked at the conclusion of the meeting or event. 3. Most of the equipment in the meeting rooms and/or theatre will not be available for general public use. County staff will make available lighting, air conditioning, and a public address system, if necessary. 4. All requests for equipment shall be made at the time the room is reserved. Special requests for equipment after reservation or during a meeting may be denied. 5. Facilities shall not be used for personal or private profit,aggrandizement,political fundraising, or advertising. 6. The small meeting rooms are not available for rental outside of normal business hours (8:00 a.m. to 5:00 p.m.). MONROE COUNTY FIRE RESCUE Location and Type of Rental: For more information or to rent this location, please contact: Fire Station 22 151 Marine Avenue Monroe County Fire Rescue Tavernier, FL 33070 490 63rd St. Ocean Meeting Room Marathon, FL 33050 PHONE: (305) 289-6005 305-289-6088 There are no fees associated with the use of Fire Station Community Room(s). Use of Fire Station Community Room is open to small meetings held by Monroe County based groups, which are civic, cultural, educational, intellectual, or charitable in nature. No commercial uses are allowed. PARKS & BEACHES Location and Type of Rental: For more information or to rent this location,please contact: Bay Point Park 6 West Circle Drive Monroe County Parks &Beaches Dept. Key West, FL 33040 2798 Overseas Highway, Ste. 400 Athletic courts (pickleball, tennis). Marathon, FL 33050 PHONE: (305) 453-8748 Bernstein Park 6751 Fifth Street Key West, FL 33040 (1)medium conference room; (1) large conference room; athletic fields (baseball/softball, soccer); athletic court(basketball); shelters. Big Coppitt Volunteer Fire Department Park 280 Avenue F Key West, FL 33040 Shelters Big Pine Key Community Center 179 Key Deer Boulevard Big Pine Key, FL 33043 (1) small conference room Big Pine Key Community Park 31009 Atlantis Drive Big Pine Key, FL 33043 (1) medium conference room; athletic fields (baseball/softball, soccer); athletic courts (basketball, bocce, tennis); shelters. Blue Heron Park 30451 Lyttons Way Big Pine Key, FL 33043 Athletic courts (pickleball). Clarence S. Higgs Beach 1000 Atlantic Boulevard Key West, FL 33040 Athletic courts (pickleball/tennis); beach; shelters. Friendship Park 69 Hibiscus Lane Key Largo, FL 33037 Athletic fields (baseball); athletic courts (basketball); shelters. Harry Harris Park 39 E. Beach Road Tavernier, FL 33070 Athletic fields (baseball, soccer); beach; shelters. Location and Type of Rental (continued): Plantation Key Community Center Rowell's Waterfront Park 53 High Point Road 104450 Overseas Highway Plantation Key, FL 33070 Key Largo, FL 33037 (1) small conference room; (1) large conference Event lawn; beach. room. Key Largo Community Park Veterans Memorial Beach 500 Saint Croix Place Mile Marker 40 Key Largo, FL 33037 39900 Overseas Highway Athletic fields (baseball/softball, field); athletic Little Duck Key, FL 33043 courts (basketball; beach volleyball; pickleball; Beach; shelters. tennis); skate park; shelters. Old Settler's Park Watson Field Park 91895 Overseas Hwy. 30150 South Street Tavernier, FL 33070 Big Pine Key, FL 33043 Shelter. Athletic courts (tennis); athletic fields (baseball); beach volleyball. Peace Park at the Murray E.Nelson Wilhelmina Harvey Park Government Center 360 Avenue F 102050 Overseas Hwy. Big Coppitt Key, FL 33040 Key Largo, FL 33037 Shelters. Shelters. Pine Channel Nature Park 29550 Overseas Hwy. Big Pine Key, FL 33043 Shelters. Parks & Beaches Fees Athletic Courts,Athletic Fields & Shelter Rates Athletic Courts and Fields Hourly Fee $10.00 per hour/$25.00 per hour with lights Athletic Field Lining (Soccer, Football, Lacrosse) $100.00 per request Athletic Field Prep (Baseball, Softball) $50.00 per field Shelters $40.00 per day Per Person Usage Fee* *Groups requesting to reserve a portion of any park or beach will be charged a per person daily fee as listed below, along with clean up fees stated below. 1 —25 Person(s) $25.00 flat daily fee 26—50 Person(s) $50.00 flat daily fee 51 — 100 Persons $100.00 flat daily fee 100+Persons $100.00 plus $1.00 per person over$100 flat daily fee Community Room Fee Small Community Room $20 per hour Large Community Room $40 per hour Clean Up and Dump Fees* *Clean up and dump fees will be assessed based on the size of the group 1 —25 Person(s) No charge 26—50 Person(s) $50.00 flat daily fee 51 — 100 Persons $100.00 flat daily fee 101 —200 Persons $150.00 flat daily fee 200+Persons Must contract with Waste Management or other approved vendor to provide dumpsters & recycle bins and for removal after event. Additional Rules & Regulations for Parks & Beaches Use 1. Any group of five (5) or more individuals organizing an activity, game, party, or event must submit an application and be approved before use. 2. Applications for use outside of normal operating hours must be approved by the Director of Parks & Beaches. 3. Director shall reserve the right to assign or reassign rooms, fields, courts, or shelters as they deem appropriate based on nature or size of event/gathering. 4. County equipment shall not be removed from the property or used without permission. 5. Applicants requesting to reserve a portion of any park or beach excluding athletic fields will be charged a per person fee, along with clean up fees. Such reservations shall also require a diagram of each facility and/or area that is intended to be used for the request. 6. Groups requesting to reserve a conference room will be charged a clean-up fee in addition to the usual fees. 7. Athletic fields use is prioritized as follows: youth leagues, Monroe County School District sponsored events, adult leagues, and all others. 8. Court(s)usage for tournaments or leagues will not utilize more than half of the available courts. The other courts must be available for public use. 9. Shelters are on first come / first serve basis unless reserved. For approved applications, reserved signage will be posted by Parks &Beaches staff. 10. Decorations require prior approval. No signs or decorations shall be nailed or permanently affixed to walls, ceilings, windows, shelters, or buildings. No glitter, rice, birdseed, plastics, paint, chalk, or other similar items shall be used. No items are allowed to be hung from any light fixtures. 11. Music may be allowed and if approved, must follow noise ordinances. 12. The rental ending time means that the center,park, field, shelter, or court must be emptied and clean prior to that time. If event/clean up exceeds the rental time period, the renter will be responsible for additional overtime. 13. Applicants wishing to utilize a BBQ grill other than the grills provided by Monroe County at the beaches or parks,will require approval from the Director prior to the event. Any such users are responsible for the proper disposal of their grills, charcoal, and/or other fuel source. 14. Courtesy electrical outlets, where available, are not guaranteed to support all equipment/appliances. 15. Stakes to secure tents, bounce houses and or any other item are prohibited. 16. Bounce houses, inflatables, other similar activities, and vehicles are not allowed on athletic fields, beaches or courts. Water slides, water inflatables and privately owned inflatables not allowed at any location. Appropriate insurance coverage required as determined by the Monroe County Risk Manager. COUNTY STAFF FEES Any event requiring County staff to be present and/or County staff coordination shall be charged the fees below in addition to any use fees. FEES ARE NON-REFUNDABLE and are due to the Department processing the use request at least FIVE (5) DAYS PRIOR TO EVENT Monday through Friday 8:00 am— Evenings (5:01 pm— REGULAR 5:00 pm, excluding OVERTIME 11:00 pm),Weekends HOURS holidays IHOURS and Holidays Facility Charges Facility Charges Per Hour Per Hour Per required Per required Maintenance Maintenance Technician $ 40.00 Technician $ 52.00 FOR SMALL MEETING ROOMS ONLY: The fee for use of a small meeting room, which holds a maximum of ten (10) people or less, is $52.00 per hour (during regular business hours only, Monday through Friday from 8:00 a.m. to 5:00 p.m.). The number of technicians needed will be determined at the discretion of Monroe County by the size and type of event. To ensure time accuracy,the maintenance technician(s) will record his/her time on a time sheet which will then be validated by both the technician(s) and the event representative by each signing the time sheet daily. MCTV RATES: (In addition to required maintenance technician rates) Television coverage is available only for pre-approved County activities. Any other governmental agency must obtain prior approval from the County Administrator. One (1) hour prior to the meeting is needed for the setting up of equipment, and one(1)hour after the meeting is needed for the breakdown of equipment. Hours, including set-up and breakdown, will be charged at the rates below, assuming MCTV staff is available at the time of the activity. Monday through Friday 8:00 am—5:00 Evenings (5:01 pm— 1 REGULAR pm, excluding OVERTIME 11:00 pm),Weekends HOURS holidays IHOURS and Holidays MCTV Per Hour MCTV Per Hour One T.V. Technician $ 57.55 One T.V. Technician $ 73.09 Equipment Costs $ 200.00 Equipment Costs $ 200.00 Total for One Total for One [Technician for $ 257.55 Technician $ 273.09 DOES NOT INCLUDE MAINTENANCE TECH(S), FACILITY COSTS, MEETING ROOM OR THEATER FEES, TAPE DUPLICATES OR SPECIAL POST-PRODUCTION COSTS COSTS DO INCL UDE AT.V. CAMERA, TECHNICIAN,AND T.V.EQUIPMENT. EXHIBIT D REQUEST FOR FEE WAIVERS 1. The Department Director for the county department responsible for the rental space or the County Administrator are the only county staff authorized to waive any fee.Alcohol fees may not be waived. 2. All requests for fee waivers shall be accompanied by a Fee Waiver Request form. 3. All non-profit organizations must submit proof of valid current non-profit status along with its request for a fee waiver. 4. FEE WAIVERS. Upon request, fee waivers shall be granted to: (A) Monroe County School District-Sponsored Events; (B) Non-County local, state, or federal government agencies; (C) Non-profit sports leagues; (D) Memorial services; (E) Monroe County homeowner associations; (F) Monroe County property owner associations; (G) Groups designated as Community groups by the County Administrator such as neighborhood watch groups or groups with civic, cultural,educational, intellectual, or which are charitable in nature; (H) Active non-profit organizations which are donating all profits from the proposed event to a charitable cause; (I) Youth organizations (such as scout troops); (J) Applicant(s) whose only purpose for the use of the County Property is for improvements (i.e., planting shade trees). If part of the purpose is for property improvements (i.e., planting shade trees and holding a tree selling event), the County shall determine a prorated fee; and (K) Other such similar entities. ... . .. ,,.,,,, ,,,. FEE WAIVER REQUEST , (to be filled out by Applicant requesting Fee Waiver Applicant. Reef Environmental Education Foundation, Inc Date ofEvent: A► ril 26, 2026A Fee 'Waiver has been requested by the group named above. Please indicate the applicable category: [� (A) Monroe County School District-Sponsored Event [� (I )Non-County local, state, or federal government agency El (C) Non-profit Sports Leagues ❑ (D) Memorial services ❑ (E) Monroe County homeowner association ❑ (F) Monroe County property owner association. d (G) Community groups (such as neighborhood watch groups) ✓[� (H)Non-profit organization ❑ (I) Youth organizations (such as scout troops) El (J) Only purpose for the use of the County Property is :for improvements (i.e., planting shade trees, shoreline cleanup) All non-profit organizations must submit proof of current valid non-profit status along with its request for a fee waiver. FZI Appropriate documentation attached. If a charitable organization is receiving all. the proceeds from the event, please provide the name of the organization.and contact information: Additional Information I agree that the ,above is true and correct. Signature of Appl i.cant/Authori zed representative rr&�' j MAACk C Na ��c"l tl o Ahpl��c � th �� �or cd l�e� scn a�t v WI M %I pww'wmamm1Mh.lHM4l^ !iW ury iww 1, EXHIBIT E ALCOHOLIC BEVERAGES 1. Pursuant to Monroe County Ordinance 3-4,the County Administrator may approve the per event sale of alcoholic beverages for consumption on County-owned property if the following terms and conditions are met: a. The sale of the alcoholic beverages is by, or on behalf of, a nonprofit charitable organization with the profits from alcoholic beverage sales going to that organization's charitable purposes; or b. The sale and consumption of alcoholic beverages is part of a social event, such as a wedding or birthday party, the duration of which may not exceed four hours; and c. Depending on the size of the expected crowd, the event sponsor must agree to furnish a sufficient number of off-duty law enforcement personnel for crowd and traffic control, the number to be determined by the County Administrator, and to provide evidence satisfactory to the County Administrator that the law enforcement personnel have in fact been hired; and d. The sponsor of the event has furnished to the County's Risk Manager evidence that the sponsor has obtained event liability insurance,naming the county as an additional coinsured, in an amount satisfactory to the risk manager. Additional Regulations: 2. The use or sale of alcoholic beverages shall be prohibited unless prior approval is obtained from the County Administrator.The County Administrator is the only individual authorized to waive this prohibition. 3. The request for the alcoholic beverages' waiver must be submitted to the County Administrator no less than twenty (20) business days before the event. 4. The Applicant will be responsible for concurrence with applicable state permits, including but not limited to, alcohol permit from the Florida Department of Business Regulation, and additional insurance as may be required by the Monroe County Risk Manager. 5. If alcohol sales, possession, or consumption is approved for the event, the Applicant must arrange and provide for certified law enforcement personnel or a licensed and bonded security detail at the event in the number and manner required by the County Administrator. Proof of the security arrangement must be provided to the County Administrator and Risk Manager before the event will be allowed to take place. 6. In accordance with Monroe County Resolution No. 156-2001, the following fees must be collected from the non-charitable organizations or social event sponsor before the County Administrator may approve an application for the per event sale of alcoholic beverages on County-owned property: Number of persons expected to attend the event Fee 1 -20 $10.00 21 - 50 $20.00 51 - 100 $40.00 101 or more $50.00 Fees must be sent to the County Department that is processing the request application. Off-duty officer upcoming jobs for parking and security for the 2026 Florida Keys Lionfish Derby and Arts Festival,April 2632026. Payments Jobs Locations Coordinators Reports CH&it � eed ApprovaU 0 Acflve 0 UIIpcannfing 2 Cor"',i Ip eted 10 New,Job Req,-I,est F"111ter by:,: c at i 0 r J[staffed F", o""""id"I Custom Date Range V Search lby Job III All Dates V Job Locafi m ff Off me if Stah,)im Start Date+'Th-r f,e Reef nairanmer�Aa�l Education REEF Bnv�ram, �e�nta�l 1 pos�flor",if,0/1 staffed,., A 2 6, 2 0 2 6 Founda tion 3 0 0 0 v of s e a s --li w,y, <e y e, S 65,00 u ig a l,"g o, 3 3l,a 37 U rt sit',af f e c,/,' ,Darkir-'fg Ass Is'ta g e M e-ff S Of N,) Cre a t�d, Reef Enviranmer",Aa�l Education REEF Bnv�ranme nta�l 1 posIflor",if,0[1�staffed,., A�,,�:tr 26, 2026 �F at e,S 6 5,0 0 "10 U Off i c e o u In d i 98300 Overseas --livvy, Key [g A s S to df a I,If,I 33,.......t 37 U r',i, aff e d Ager/ 11 -'rc' e-ff S Of Created, 25 1 0 10.gym 0 3 0 5/1 ,III 2 1. �... DR-14 f Consumer's Certifi o Ex m tl+ n e p R.0►,/1$ Issued Pursuant to Chapter 212, Florida statutes FLORIDA 85-8012+626014C1-3 07/31/2021 07/31/2026 501(C)(3) ORGANIZATION Certificate Number Effective Date Expiration Date . Exemption Category This certifies that REEF ENVIRONMENTAL EDUCATION FOUNDATION INCORPORATED 98300 OVERSEAS HY KEY LARGO FL 33037-2357 is exempt from the payment of Florida.sales and use tax on real property rented, transient rental property rented, tangible personal property purchased or vented, or services purchased. DR-14 Important Information for Exempt Organ izatio►ns R.01/18 IN "wool, FLORIDA 10, You must provide all vendors and suppliers with an exemption certificate before making tax-exempt purchases. Bee Rule 12A-1.038, Florida Administrative Code(F.A.C.). 2. Your Consumer's Certificate of Exemption is to be used solely by your organization for your organization's customary nonprofit,activities. 3. Purchases made by an individual on behalf of the organization are taxable, even if the individual will be reimbursed by the organization. 4. This exemption applies only to purchases your organization makes. The sale or lease to others of tangible personal property, sleeping accommodations, or other real property is taxable. Your organization must register, and collect and remit sales and use tax on such taxable transactions. Note. Churches are exempt from this requirement except when they are the lesser of real property(Rule 12A-1.070, F.A.0 .). 5. It is a criminal offense to fraudulently present this certificate to evade the payment of sales tax. Under no circumstances should this certificate be used for the personal benefit of any individual. Violators will be liable for payment ment of the sales tax plus a penalty of 200% of the tax, and may be subject to conviction of a third-degree felony. Any violation will require the revocation of this certificate. 0. If you have questions about your exemption certificate, please call Taxpayer Services at 850-488-5800. The mailing address is P3 Box+6480, Tallahassee, FL 32314-5480. Internal Revenue Service Department of the Treasurys P. o. Box 2508 Cincinnati, off 45201 Cate March 21, 2000 Person to Contact: Steve Miliano 31-04024 Customer Service Specialist Reef Environmental Education Foundation, Inc. Toll Free Telephone Number. P.O. Box 246 8:00 a.m.to 30 p.m.EST Key Largo, FL.. 33037-0246877-829-5500 Fax dumber: 513-263-3756 Federal Identification Number: X6 -0270064 Gear Sir or Madam This letter is in response to your request fora copy of your organization's determination letter. This letter will tale the place of the copy you requested. Our records indicate that a determination letter issued in March 1992 granted your organization exemption from federal income tax under section 501(c)(3) of the Internal revenue Code. That letter is Mill in effect. Based on information subsequently submitted, we classified your organization as one that is not a private foundation within the meaning of section 509 a of the Code because it is an organization described in sections ; oat and 1 7ob1 Avi . This classification was based on the assumption that your organization's operations would continue as stated in the application. If your organizations sources of support, or its character, method of operations, or purposes have changed, please let us know so we can consider the effect of the change on the exempt status and foundation status 6f your organization. Your organization is required to file Form 990 'Return of organization Exempt from Income Tax, only if its gross receipts each year are normally more than $25,000. If a return is required, it must be filed by the 15th day of the fifth month after the end of the organization's annual accounting period. T he law imposes a penalty of $20 a day, up to a maximum of$10,000, when a return is filed late, unless there is reasonable cause for the-delay. All organizations-exempt (unless specifically excluded) are liable for tares under Ahe Federal Insurance Contributions Act (social security taxes) on remuneration of $100 or more paid to each employee during a calendar year. our organi" zation is not liable for the tax imposed under the Federal Unemployment Tax Act (FUTA). Organizations that are not private foundations are not subject to the excise takes under Chapter 42 of the Code. However, these organizations are not automatically exempt from other federal excise taxes. Donors may deduct contributions to your organization as provided in section 170 of the Code. Bequests,. legacies, devises, transfers, or gifts to your organization or for its use ,are deductible for federal estate and gift tax purposes if they meet the applicable provisions of sections 2055, 2106, and 2522 of the Code.. m�oe!N rvi l�v�: 1r. 0 lr� a �H. �m 9 mvJ�aim %nbs' N,. s� ,N a 01 ■ czi m " 111 l rwa91 At""Dyy Ln 00 mAul,lU° r �y OOM► Ln CI v ON m l ��f%(f yfm�i'�� 'Al`�ilW�`r^° J 'w MVx u L V� r XIIIJ �d r, D CL u,r 11 D 0. rrrrrrroiiiiiiiiiiii ( �l�'"`/ L�i m alll{✓fir rrrrrrrrrrrp,,,, ffj�rr"�� �i ui CD 1f ,�f� rrrrrpgl � /p�X�� Irrrrrrrrrrrrroi, "9V"�''�„;r b ui lli!A clom �� 1, firm I l l��i�Jl J'Ol 0 i I AA Au, AN N-1 l l,f I II r � a W, w U) "S n Vliouul mwowv�� u w P fly ivwiwivl�uivaN� �mrl^ mum m ru l�f�PJfY'm Lr vd'n X u�?' IpIry u ( an �1„ ,� 11f9;9 V VAN �rl m o/ N William H. Fuss, Trustee Elizabeth A. Pass Revocable Trust 7172 Vista. Park Blvd. Orlando, F IL 3 2 -7662 23 October 2025 Subject: Permission to Use Property for Event Parking To Whom It May Concern, I are William 1- . Pass, Trustee of the Elizabeth A. Pass Revocable Trust Agreement, which owns the properties adjacent to Bahama Road across from the REEF Campus, Parcel III# 00�520490-000000 and 00520500-000000. 1 understand that REEF is hosting a community avant, the Florida Days Li nfish Derby. and Arts Festival, on Sunday,April 26, 2026, and is applying for Bahama Road to be closed for the event. I hereby confirm firm that I am okay with event attendees Busing the properties mentioned above for parking if needed on that day. Sincerely, William H. Pass, Trustee Elizabeth A. Pass Revocable Trust REEFSierra Barkdoll<sierra.barkdoll@reef.org> ........................................................................................................................................................................................................................................................................................................................................................................................... PARKING PERMISSION ............................................................................................................................................................................................................................................. Kerry Hatchell<kerry@autorepairpros.com> Fri,Oct 24,2025 at 8:47 AM To:"sierra.barkdolI@reef.org"<sierra.barkdoll@reef.org> Auto Repair Pros gives Reef Environmental permission to use the 10 spaces in the North bound parking lot for events after 5 monday - Friday and Weekends. "Keeping you on the road with confidence." Kerry cll Service Advisor 786-822-5507 AUTO REPAIR MVIArRikKEE7�'S, yr irus-r .com DATE(MM/DD/YYYY) ,,A;CoOR" CERTIFICATE OF LIABILITY INSURANCE 10/01/2025 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER,AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must 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: HCC Specialty Underwriters, Inc.dba Tokio Marine HCC-Specialty Group PHOA/CN E Ext: FAX No 401 Edgewater Place, Suite 400 A DRIESS: PRODUCER Wakefield, MA 01880 CUSTOMER ID#: INSURER(S)AFFORDING COVERAGE NAIC# INSURED INSURER A: U.S. Specialty Insurance Company 29599 Reef Enviromental Education Foundation, Inc INSURER B: United States Fire Insurance Company 21113 98300 Overseas Hwy INSURER C: Key Largo, FL 33037 INSURER D: INSURER E: 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 TYPE OF INSURANCE ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR INSR WVD POLICY NUMBER (MM/DD/YYYY) MM/DD/YYYY GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 A X U25SE13623 10/29/2025 04/29/2026 DAMAGE TO RENTED X COMMERCIAL GENERAL LIABILITY PREMISES Ea occurrence $ 300,000 CLAIMS-MADE I-XI OCCUR MED EXP(Any oneperson) 5 000 X Liquor Liability*$1 M/$1 M PERSONAL&ADV INJURY $ 1,000,000 B X Medical Expense US2177208 10/29/2025 04/29/2026 GENERAL AGGREGATE $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS-COMP/OP AGG $ 1,000,000 X POLICY nPRO- FLOC $ JECT I AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ (Ea accident) ANY AUTO BODILY INJURY(Per person) $ ALL OWNED AUTOS BODILY INJURY(Per accident) $ SCHEDULED AUTOS PROPERTY DAMAGE $ HIRED AUTOS (Per accident) NON-OWNED AUTOS $ $ UMBRELLA LIAB OCCUR EACH OCCURRENCE $ EXCESS LIAB CLAIMS-MADE AGGREGATE $ DEDUCTIBLE $ RETENTION $ $ WORKERS COMPENSATION TORY LIMITS -ER AND EMPLOYERS'LIABILITY Y/N ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES(Attach ACORD 101,Additional Remarks Schedule,if more space is required) The Certificate Holder is added as Additional Insured with respects to our Insured's operations only. This insurance is primary and non-contributory as required by written contract. This coverage is with respect to 2026 Florida Keys Lionfish Derby&Arts Festival event to be held 04/26/2026-04/26/2026 at Reef Environmental Education Foundation,Inc Key Largo FL. CERTIFICATE HOLDER CANCELLATION Monroe County Board of County Commissioners SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF,NOTICE WILL BE DELIVERED 1100 Simonton St. IN ACCORDANCE WITH THE POLICY PROVISIONS. Key West, FL 33040 AUTHORIZED REPRESENTATIVE ACORD 25(2010/05) ©1988-2010 ACORD CORPORATION. All rights reserved. U . S . SPECIALTY INSURANCE COMPANY Houston, TX SPECIAL EVENT LIABILITY POLICY Administrative Office: 13403 Northwest Freeway,Houston, Texas 77040 In Witness Whereof, we have caused this policy to be executed and attested, and, if required by state law, this policy shall not be valid unless countersigned by our authorized representative. Susan Rivera Alexander Ludlow President Corporate Secretary SE PJ 01 (01 13) POLICY NUMBER: U25SE13623 SE DS 05 02 10 COMMON POLICY DECLARATIONS U.S. Specialty Insurance Company HCC Specialty Underwriters, Inc. 13403 Northwest Freeway 401 Edgewater Place, Suite 400 Houston, TX 77040 Wakefield, MA 01880 ph. (713) 462-1000 ph. (781) 994-6000 NAMED INSURED: Reef Enviromental Education Foundation, Inc MAILING ADDRESS: 98300 Overseas Hwy, Key Largo, FL 33037 POLICY PERIOD: FROM Oct 29, 2025 TO Apr 29, 2026 AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE BUSINESS DESCRIPTION 2026 Florida Keys Lionfish Derby&Arts Festival to be held 04/26/2026 at Reef Environmental Education Foundation, Inc, Key Largo, FL 33037 IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED.THIS PREMIUM MAY BE SUBJECT TO ADJUSTMENT. PREMIUM COMMERCIAL AUTOMOBILE COVERAGE PART $ $0.00 COMMERCIAL GENERAL LIABILITY COVERAGE PART $ $350.00 COMMERCIAL INLAND MARINE COVERAGE PART $ $0.00 COMMERCIAL LIABILITY UMBRELLA $ COMMERCIAL PROPERTY COVERAGE PART $ N/A CRIME AND FIDELITY COVERAGE PART $ EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART $ EQUIPMENT BREAKDOWN COVERAGE PART $ FARM COVERAGE PART $ LIQUOR LIABILITY COVERAGE PART $ $250.00 MEDICAL PROFESSIONAL LIABILITY COVERAGE PART $ POLLUTION LIABILITY COVERAGE PART $ TRIA $ $7.00 TOTAL: $ $607.00 Premium shown is payable: $ $607.00 at inception. $ SE DS 05 02 10 FORMS APPLICABLE TO ALL COVERAGE PARTS: SE PJ 01 01 13 -Special Event Liability Policy Jacket SE DS 05 02 10 -Common Policy Declarations SE DS 01 02 10 -Special Event Liability Declarations Tokio Marine HCC Claim Reporting Procedures CG 00 01 04 13 -Commercial General Liability Coverage Form (Occurrence Version) IL 00 17 11 98 -Common Policy Conditions CG 21 35 10 01 -Exclusion -Coverage C - Medical Payments CG 21 46 07 98 -Abuse Or Molestation Exclusion SE 1010 02 10 -Attendance Limitation Exclusion Endorsement CG 21 47 12 07 -Employment Related Practices Exclusion CG 21 67 12 04 -Fungi or Bacteria Exclusion IL 00 21 09 08 - Nuclear Energy Liability Exclusion Endorsement (Broad Form) SE 1012 01 13 -Commercial General Liability Amendatory Endorsement SE 1034 02 10 - Requirements For Written Contract of Vendors or Exhibitors SE 1019 02 10 - Exclusion -Sports/Leisure/Entertainment Activities And Devices SE 1075 06 11 - Field Of Entertainment Exclusion SE 1008 02 10 -Assault And Battery Exclusion SE 1022 02 10 - Fireworks, Explosives, Pyrotechnic Devices,Or Incendiary Device Exclusion SE 1032 02 10 - Professional Liability Exclusion SE 1077 06 11 -Securities and Financial Interest Exclusion SE 1076 06 11 -Stunt Exclusion Endorsement SE 1080 06 11 -Total Lead Exclusion SE 1011 02 10 -Collapse Of Temporary Structure Exclusion Endorsement SE 1079 06 11 -Asbestos And Silica Exclusion Endorsement SE 1007 02 10 -Animal Exclusion IL 09 85 12 20 - DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT CG 21 70 01 15 -CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM (General Liability) SE 1024 02 10 - Limited Event Coverage SE 1024 ADD 02 10 - Limited Event Coverage Addendum CG 20 11 04 13 -Additional Insured - Managers Or Lessors Of Premises CG 20 12 04 13 -Al -State Or Governmental Agency Or Subdivision Or Political Subdivision - Permits CG 20 26 04 13 -Additional Insured - Designated Person Or Organization CG DS 03 07 98 - Liquor Liability Declarations CG 00 33 04 13 -Liquor Liability Coverage Form (Occurrence Version) SE 1070 06 10 -Amendment Of The Policy Period IL P 001 01 04 - U.S. Treasury Dept.'s Office of Foreign Assets Control ("OFAC")Advisory Notice CG 21 53 01 96 -Exclusion - Designated Ongoing Operations - Medical CG 21 32 05 09 -Communicable Disease Exclusion CG 21 09 06 15 -Exclusion Unmanned Aircraft CG 02 20 03 12 -Florida Changes -Cancellation & Nonrenewal POLICY NUMBER: U25SE13623 SE DS 01 02 10 SPECIAL EVENT LIABILITY DECLARATIONS U.S. Specialty Insurance Company HCC Specialty Underwriters, Inc. 13403 Northwest Freeway 401 Edgewater Place, Suite 400 Houston, TX 77040 Wakefield, MA 01880 ph. (713) 462-1000 ph. (781) 994-6000 NAMED INSURED: Reef Enviromental Education Foundation, Inc MAILING ADDRESS: 98300 Overseas Hwy, Key Largo, FL 33037 POLICY PERIOD: FROM Oct 29, 2025 TO Apr 29, 2026 AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE EACH OCCURRENCE LIMIT $ $170007000.00 DAMAGE TO PREMISES RENTED TO YOU LIMIT $ $300,000.00 Any one premises MEDICAL EXPENSE LIMIT $ $0.00 Any one person PERSONAL &ADVERTISING INJURY LIMIT $ $17000,000.00 Any one person or organization GENERAL AGGREGATE LIMIT $ $2,0007000.00 PRODUCTS/COMPLETED OPERATIONS AGGREGATE LIMIT $ $110007000.00 DESCRIPTION OF BUSINESS FORM OF BUSINESS: ❑ INDIVIDUAL ❑ PARTNERSHIP ❑ JOINT VENTURE ❑ TRUST ❑ LIMITED LIABILITY COMPANY ❑ ORGANIZATION, INCLUDING A CORPORATION (BUT NOT INCLUDING A PARTNERSHIP, JOINT VENTURE OR LIMITED LIABILITY COMPANY) BUSINESS DESCRIPTION: 2026 Florida Keys Lionfish Derby&Arts Festival to be held 04/26/2026 at Reef Environmental Education Foundation, Inc, Key Largo, FL 33037 SE DS 01 02 10 Page 1 of 2 ALL PREMISES YOU OWN, RENT OR OCCUPY LOCATION NUMBER ADDRESS OF ALL PREMISES YOU OWN, RENT OR OCCUPY Reef Environmental Education Foundation, Inc/ 98300 Overseas Hwy Key Largo, FL 33037 CLASSIFICATION AND PREMIUM LOCATION CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM NUMBER NO. BASE Prem/ Prod/Comp Prem/ Prod/Comp Ops Ops Ops Ops Art& Craft Festival 250.00 N/A $250.00 STATE TAX OR OTHER (if applicable) $ $6.07 FL FIGA Fee TOTAL PREMIUM (SUBJECT TO AUDIT) $ $354.00 PREMIUM SHOWN IS PAYABLE: AT INCEPTION $ $354.00 AT EACH ANNIVERSARY $ (IF POLICY PERIOD IS MORE THAN ONE YEAR AND PREMIUM IS PAID IN ANNUAL INSTALLMENTS) AUDIT PERIOD (IF APPLICABLE) ❑ ANNUALLY ❑ SEMI-ANNUALLY ❑ QUARTERLY ❑ MONTHLY FORMS AND ENDORSEMENTS ATTACHED TO THIS POLICY: THESE DECLARATIONS, TOGETHER WITH THE COVERAGE FORM(S) AND ANY ENDORSEMENT(S) SHOWN ABOVE, COMPLETE THE ABOVE NUMBERED POLICY. Page 2 of 2 SE DS 01 02 10 Specialty Group T01 .10MARIN 401 Edgewater Place,Suite 400 C.C Wakefield,MA 01880 USA Tel:781-994-6000 Fax:781-994-6001 CLAIM REPORTING PROCEDURES All claims regardless of severity or location should be reported directly to American Claims Management (ACM). Losses can be reported 24 hours a day/seven days a week, at: ❖ Email: ii iii ii ii ........................................................................................................................................................................................................................................................................................................................... ❖ or Telephone: 888-799-2919 Claims correspondence can be sent to RCM's Claim Department Mailing address: ACM Claims P.O. Box 9060 Carlsbad, CA 92018-9060 IMPORTANT •'• Please include your policy number and insured name, on all correspondence. •'• If you have any video of the incident, please be sure to preserve the ORIGINAL and make a copy to provide to ACM. A member of the Tokio Marine HCC group of companies COMMERCIAL GENERAL LIABILITY CG 00 01 04 13 COMMERCIAL GENERAL LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. (2) The "bodily injury" or "property damage" Read the entire policy carefully to determine rights, occurs during the policy period; and duties and what is and is not covered. (3) Prior to the policy period, no insured listed Throughout this policy the words "you" and "your" under Paragraph 1. of Section II — Who Is refer to the Named Insured shown in the Declarations, An Insured and no "employee" authorized and any other person or organization qualifying as a by you to give or receive notice of an Named Insured under this policy. The words "we", "occurrence" or claim, knew that the "bodily "us" and "our" refer to the company providing this injury" or "property damage" had occurred, insurance. in whole or in part. If such a listed insured The word "insured" means any person or organization or authorized "employee" knew, prior to the qualifying as such under Section II — Who Is An ,policy period, that the ,bodily injury" or Insured. property damage" occurred, then any continuation, change or resumption of such Other words and phrases that appear in quotation "bodily injury" or "property damage" during marks have special meaning. Refer to Section V — or after the policy period will be deemed to Definitions. have been known prior to the policy period. SECTION I—COVERAGES c. "Bodily injury" or "property damage" which COVERAGE A— BODILY INJURY AND PROPERTY occurs during the policy period and was not, DAMAGE LIABILITY prior to the policy period, known to have 1. Insuring Agreement occurred by any insured listed under Paragraph 1. of Section II —Who Is An Insured a. We will pay those sums that the insured or any "employee" authorized by you to give or becomes legally obligated to pay as damages receive notice of an "occurrence" or claim, because of"bodily injury" or"property damage" includes any continuation, change or to which this insurance applies. We will have resumption of that "bodily injury" or "property the right and duty to defend the insured against damage" after the end of the policy period. any "suit" seeking those damages. However, d. "Bodilyinjury" or "property e" will be we will have no duty to defend the insured jur y y damage" against any "suit" seeking damages for "bodily deemed to have been known to have occurred injury" or "property damage" to which this at the earliest time when any insured listed insurance does not apply. We may, at our under Paragraph 1. of Section II — Who Is An Insured or any employee authorized by you to discretion, investigate any occurrence and give or receive notice of an occurrence or settle any claim or suit„that may result. But: claim: (1) The amount we will pay for damages is 1 Reports all, or an part, of the "bodily limited as described in Section III — Limits ( ) y Of Insurance; and or property damage to us or any other insurer, (2) Our right and duty to defend ends when we 2 Receives a written or verbal demand or have used up the applicable limit of ( ) insurance in the payment of judgments or claim for damages because of the "bodily settlements under Coverages A or B or injury„ or property damage"; or medical expenses under Coverage C. (3) Becomes aware by any other means that No other obligation or liability to pay sums or "bodily injury" or "property damage" has perform acts or services is covered unless occurred or has begun to occur. explicitly provided for under Supplementary e. Damages because of "bodily injury" include Payments—Coverages A and B. damages claimed by any person or b. This insurance applies to "bodily injury" and organization for care, loss of,services or death "property damage" only if: resulting at any time from the bodily injury . (1) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 16 2. Exclusions This exclusion applies even if the claims This insurance does not apply to: against any insured allege negligence or other a. Expected Or Intended Injury wrongdoing in: „ (a) The supervision, hiring, employment, Bodily injury or property damage expected training or monitoring of others by that or intended from the standpoint of the insured. insured; or This exclusion does not apply to "bodily injury" resulting from the use of reasonable force to (b) Providing or failing to provide protect persons or property. transportation with respect to any person that may be under the influence b. Contractual Liability of alcohol; "Bodily injury" or "property damage" for which if the "occurrence" which caused the "bodily the insured is obligated to pay damages by injury" or "property damage", involved that reason of the assumption of liability in a which is described in Paragraph (1), (2) or (3) contract or agreement. This exclusion does not above. apply to liability for damages: However, this exclusion applies only if you are (1) That the insured would have in the absence in the business of manufacturing, distributing, of the contract or agreement; or selling, serving or furnishing alcoholic (2) Assumed in a contract or agreement that is beverages. For the purposes of this exclusion, an "insured contract", provided the "bodily permitting a person to bring alcoholic injury" or "property damage" occurs beverages on your premises, for consumption subsequent to the execution of the contract on your premises, whether or not a fee is or agreement. Solely for the purposes of charged or a license is required for such liability assumed in an "insured contract", activity, is not by itself considered the business reasonable attorneys' fees and necessary of selling, serving or furnishing alcoholic litigation expenses incurred by or for a party beverages. other than an insured are deemed to be d. Workers' Compensation And Similar Laws damages because of "bodily injury" or property damage", provided: Any obligation of the insured under a workers' compensation, disability benefits or (a) Liability to such party for, or for the cost unemployment compensation law or any of, that party's defense has also been similar law. assumed in the same "insured contract"; e. Employer's Liabilit andy (b) Such attorneys' fees and litigation "Bodily injury" to: expenses are for defense of that party (1) An "employee" of the insured arising out of against a civil or alternative dispute and in the course of: resolution proceeding in which damages (a) Employment by the insured; or to which this insurance applies are alleged. (b) Performing duties related to the conduct of the insured's business; or c. Liquor Liability (2) The spouse, child, parent, brother or sister injury" "Bodilyor property damage for which of that employee,, as a consequence of any insured may be held liable by reason of: Paragraph (1) above. (1) Causing or contributing to the intoxication of This exclusion applies whether the insured any person; may be liable as an employer or in any other (2) The furnishing of alcoholic beverages to a capacity and to any obligation to share person under the legal drinking age or damages with or repay someone else who under the influence of alcohol; or must pay damages because of the injury. (3) Any statute, ordinance or regulation relating This exclusion does not apply to liability to the sale, gift, distribution or use of assumed by the insured under an "insured alcoholic beverages. contract". Page 2 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 f. Pollution (d) At or from any premises, site or location (1) "Bodily injury" or "property damage" arising on which any insured or any contractors out of the actual, alleged or threatened or subcontractors working directly or discharge, dispersal, seepage, migration, indirectly on any insured's behalf are , release or escape of"pollutants": performing operations if the pollutants are brought on or to the premises, site (a) At or from any premises, site or location or location in connection with such which is or was at any time owned or operations by such insured, contractor occupied by, or rented or loaned to, any or subcontractor. However, this insured. However, this subparagraph subparagraph does not apply to: does not apply to: (i) "Bodily injury" or "property damage" (i) Bodily injury" if sustained within a arising out of the escape of fuels, building and caused by smoke, lubricants or other operating fluids fumes, vapor or soot produced by or which are needed to perform the originating from equipment that is normal electrical, hydraulic or used to heat, cool or dehumidify the mechanical functions necessary for building, or equipment that is used to the operation of "mobile equipment" heat water for personal use, by the or its parts, if such fuels, lubricants building's occupants or their guests; or other operating fluids escape from (i i) "Bodily injury" or "property damage" a vehicle part designed to hold, store for which you may be held liable, if or receive them. This exception does you are a contractor and the owner not apply if the "bodily injury" or or lessee of such premises, site or "property damage" arises out of the location has been added to your intentional discharge, dispersal or policy as an additional insured with release of the fuels, lubricants or respect to your ongoing operations other operating fluids, or if such performed for that additional insured fuels, lubricants or other operating at that premises, site or location and fluids are brought on or to the such premises, site or location is not premises, site or location with the and never was owned or occupied intent that they be discharged, by, or rented or loaned to, any dispersed or released as part of the insured, other than that additional operations being performed by such insured; or insured, contractor or subcontractor; (iii) "Bodily injury" or "property damage" (i i) "Bodily injury" or "property damage" arising out of heat, smoke or fumes sustained within a building and from a "hostile fire"; caused by the release of gases, (b) At or from any premises, site or location fumes or vapors from materials which is or was at any time used by or brought into that building in for any insured or others for the connection with operations being handling, storage, disposal, processing performed by you or on your behalf or treatment of waste; by a contractor or subcontractor, or (c) Which are or were at any time (iii) "Bodily injury" or "property damage" transported, handled, stored, treated, arising,out of heat, smoke or fumes disposed of, or processed as waste by from a hostile fire . or for: (e) At or from any premises, site or location (i) Any insured; or on which any insured or any contractors or subcontractors working directly or (ii) Any person or organization for whom indirectly on any insured's behalf are you may be legally responsible; or performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 3 of 16 (2) Any loss, cost or expense arising out of (5) "Bodily injury" or "property damage" arising any: out of: (a) Request, demand, order or statutory or (a) The operation of machinery or regulatory requirement that any insured equipment that is attached to, or part of, or others test for, monitor, clean up, a land vehicle that would qualify under remove, contain, treat, detoxify or the definition of "mobile equipment" if it neutralize, or in any way respond to, or were not subject to a compulsory or assess the effects of, "pollutants"; or financial responsibility law or other (b) Claim or suit by or on behalf of a motor vehicle insurance law where it is governmental authority for damages licensed or principally garaged; or because of testing for, monitoring, (b) The operation of any of the machinery cleaning up, removing, containing, or equipment listed in Paragraph f.(2) or treating, detoxifying or neutralizing, or in f.(3) of the definition of "mobile any way responding to, or assessing the equipment11 . effects of, "pollutants". h. Mobile Equipment However, this paragraph does not apply to "Bodily injury" or "property damage" arising out liability for damages because of "property of: damage that the insured would have in the absence of such request, demand, order or (1) The transportation of"mobile equipment" by statutory or regulatory requirement, or such an auto owned or operated by or rented or claim or "suit" by or on behalf of a loaned to any insured; or governmental authority. (2) The use of "mobile equipment" in, or while g. Aircraft, Auto Or Watercraft in practice for, or while being prepared for, "Bodily injury" or "property damage" arising out any prearranged racing, speed, demolition, or stunting activity. of the ownership, maintenance, use or entrustment to others of any aircraft, "auto" or i. War watercraft owned or operated by or rented or "Bodily injury" or "property damage", however loaned to any insured. Use includes operation caused, arising, directly or indirectly, out of: and "loading or unloading". (1) War, including undeclared or civil war; This exclusion applies even if the claims (2) Warlike action by a military force, including against any insured allege negligence or other action in hindering or defending against an wrongdoing in the supervision, hiring, actual or expected attack, by any employment, training or monitoring of others by that insured, if the "occurrence" which caused government, sovereign or other authority the "bodilyinjury" or "property damage" using military personnel or other agents; or J Y p p Y g involved the ownership, maintenance, use or (3) Insurrection, rebellion, revolution, usurped entrustment to others of any aircraft, "auto" or power, or action taken by governmental watercraft that is owned or operated by or authority in hindering or defending against rented or loaned to any insured. any of these. This exclusion does not apply to: j. Damage To Property (1) A watercraft while ashore on premises you "Property damage" to: own or rent; (1) Property you own, rent, or occupy, including (2) A watercraft you do not own that is: any costs or expenses incurred by you, or a Less than 26 feet Ion any other person, organization or entity, for ( ) g; and repair, replacement, enhancement, (b) Not being used to carry persons or restoration or maintenance of such property property for a charge; for any reason, including prevention of (3) Parking an "auto" on, or on the ways next injury to a person or damage to another's to, premises you own or rent, provided the property; "auto" is not owned by or rented or loaned (2) Premises you sell, give away or abandon, if to you or the insured; the "property damage" arises out of any (4) Liability assumed under any "insured part of those premises; contract" for the ownership, maintenance or (3) Property loaned to you; use of aircraft or watercraft; or Page 4 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 (4) Personal property in the care, custody or This exclusion does not apply to the loss of use control of the insured; of other property arising out of sudden and (5) That particular part of real property on ,accidental physical injury to "your product" or which you or any contractors or your work" after it has been put to its intended subcontractors working directly or indirectly use. on your behalf are performing operations, if n. Recall Of Products, Work Or Impaired the "property damage" arises out of those Property operations; or Damages claimed for any loss, cost or (6) That particular part of any property that expense incurred by you or others for the loss must be restored, repaired or replaced of use, withdrawal, recall, inspection, repair, because "your work" was incorrectly replacement, adjustment, removal or disposal performed on it. of: Paragraphs (1), (3) and (4) of this exclusion do (1) "Your product"; not apply to "property damage" (other than (2) "Your work"; or damage by fire) to premises, including the contents of such premises, rented to you fora (3) "Impaired property"; period of seven or fewer consecutive days. A if such product, work, or property is withdrawn separate limit of insurance applies to Damage or recalled from the market or from use by any To Premises Rented To You as described in person or organization because of a known or Section III— Limits Of Insurance. suspected defect, deficiency, inadequacy or Paragraph (2) of this exclusion does not apply dangerous condition in it. if the premises are "your work" and were never o. Personal And Advertising Injury occupied, rented or held for rental by you. "Bodily injury" arising out of "personal and Paragraphs (3), (4), (5) and (6) of this advertising injury". exclusion do not apply to liability assumed p. Electronic Data under a sidetrack agreement. Paragraph 6 of this exclusion does not apply Damages arising out of the loss of, loss of use „ g p ( ) „ . of, damage to, corruption of, inability to access, to property damage included in the products- com completed operations hazard". or inability to manipulate electronic data. p p However, this exclusion does not apply to k. Damage To Your Product liability for damages because of"bodily injury". "Property damage" to "your product" arising out As used in this exclusion, electronic data of it or any part of it. means information, facts or programs stored as I. Damage To Your Work or on, created or used on, or transmitted to or "Property damage" to "your work" arising out of from computer software, including systems and it or any part of it and included in the "products- applications software, hard or floppy disks, CD- completed operations hazard". ROMs, tapes, drives, cells, data processing devices or any other media which are used This exclusion does not apply if the damaged with electronically controlled equipment. work or the work out of which the damage arises was performed on your behalf by a q• Recording And Distribution Of Material Or subcontractor. Information In Violation Of Law m. Damage To Impaired Property Or Property "Bodily injury" or "property damage" arising Not Physically Injured directly or indirectly out of any action or "Property damage" to "impaired property" or omission that violates or is alleged to violate: property that has not been physically injured, (1) The Telephone Consumer Protection Act arising out of: (TCPA), including any amendment of or (1) A defect, deficiency, inadequacy or addition to such law; dangerous condition in "your product" or (2) The CAN-SPAM Act of 2003, including any "your work"; or amendment of or addition to such law; (2) A delay or failure by you or anyone acting (3) The Fair Credit Reporting Act (FCRA), and on your behalf to perform a contract or any amendment of or addition to such law, agreement in accordance with its terms. including the Fair and Accurate Credit Transactions Act(FACTA); or CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 5 of 16 (4) Any federal, state or local statute, 2. Exclusions ordinance or regulation, other than the This insurance does not apply to: TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that a. Knowing Violation Of Rights Of Another addresses, prohibits, or limits the printing, "Personal and advertising injury" caused by or dissemination, disposal, collecting, at the direction of the insured with the recording, sending, transmitting, knowledge that the act would violate the rights communicating or distribution of material or of another and would inflict "personal and information. advertising injury". Exclusions c. through n. do not apply to damage b. Material Published With Knowledge Of by fire to premises while rented to you or Falsity temporarily occupied by you with permission of the crate limit of insurance applies to this Personal and advertising injury" arising out of owner. A separate pp oral or written publication, in any manner, of coverage as described in Section III — Limits Of material, if done by or at the direction of the Insurance. insured with knowledge of its falsity. COVERAGE B— PERSONAL AND ADVERTISING c. Material Published Prior To Policy Period INJURY LIABILITY 1. InsuringA "Personal and advertising injury" arising out of Agreement oral or written publication, in any manner, of a. We will pay those sums that the insured material whose first publication took place becomes legally obligated to pay as damages before the beginning of the policy period. because of "personal and advertising injury" to d. Criminal Acts which this insurance applies. We will have the right and duty to defend the insured against "Personal and advertising injury" arising out of any "suit" seeking those damages. However, a criminal act committed by or at the direction we will have no duty to defend the insured of the insured. against any "suit" seeking damages for e. Contractual Liability "personal and advertising injury" to which this "Personal and advertisinginjury" for which the insurance does not apply. We may, at our '� y discretion, investigate any offense and settle insured has assumed liability in a contract or any claim or"suit" that may result. But: agreement. This exclusion does not apply to liability for damages that the insured would (1) The amount we will pay for damages is have in the absence of the contract or limited as described in Section III — Limits agreement. Of Insurance; and f. Breach Of Contract (2) Our right and duty to defend end when we "Personal and advertisinginjury" arising out of have used up the applicable limit of g insurance in the payment of judgments or a breach of contract,, except an implied settlements under Coverages A or B or contract to use another s advertising idea in medical expenses under Coverage C. your advertisement . No other obligation or liability to pay sums or g• Quality Or Performance Of Goods— Failure perform acts or services is covered unless To Conform To Statements explicitly provided for under Supplementary "Personal and advertising injury" arising out of Payments—Coverages A and B. the failure of goods, products or services to conform with any statement of quality or b. This insurance applies to personal and performance made in our"advertisement". advertising injury" caused by an offense arising p y out of your business but only if the offense was h. Wrong Description Of Prices committed in the "coverage territory" during the "Personal and advertising injury" arising out of policy period. the wrong description of the price of goods, products or services stated in your "advertisement". Page 6 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 i. Infringement Of Copyright, Patent, n. Pollution-related Trademark Or Trade Secret Any loss, cost or expense arising out of any: "Personal and advertising injury" arising out of (1) Request, demand, order or statutory or the infringement of copyright, patent, regulatory requirement that any insured or trademark, trade secret or other intellectual others test for, monitor, clean up, remove, property rights. Under this exclusion, such contain, treat, detoxify or neutralize, or in other intellectual property rights do not include any way respond to, or assess the effects the use of another's advertising idea in your of, "pollutants"; or "advertisement". However, this exclusion does not apply to (2) Claim or suit by or on behalf of agovernmental authority for damages infringement, in your "advertisement", of because of testing for, monitoring, cleaning copyright, trade dress or slogan. up, removing, containing, treating, j. Insureds In Media And Internet Type detoxifying or neutralizing, or in any way Businesses responding to, or assessing the effects of, "Personal and advertising injury" committed by "pollutants". an insured whose business is: o. War (1) Advertising, broadcasting, publishing or "Personal and advertising injury", however telecasting; caused, arising, directly or indirectly, out of: (2) Designing or determining content of web (1) War, including undeclared or civil war; sites for others; or (2) Warlike action by a military force, including (3) An Internet search, access, content or action in hindering or defending against an service provider. actual or expected attack, by any However, this exclusion does not apply to government, sovereign or other authority Paragraphs 14.a., b. and c. of "personal and using military personnel or other agents; or advertising injury" under the Definitions (3) Insurrection, rebellion, revolution, usurped section. power, or action taken by governmental For the purposes of this exclusion, the placing authority in hindering or defending against of frames, borders or links, or advertising, for any of these. you or others anywhere on the Internet, is not p. Recording And Distribution Of Material Or by itself, considered the business of Information In Violation Of Law advertising, broadcasting, publishing or "Personal and advertising injury" arising telecasting. directly or indirectly out of any action or k. Electronic Chatrooms Or Bulletin Boards omission that violates or is alleged to violate: "Personal and advertising injury" arising out of (1) The Telephone Consumer Protection Act an electronic chatroom or bulletin board the (TCPA), including any amendment of or insured hosts, owns, or over which the insured addition to such law; exercises control. (2) The CAN-SPAM Act of 2003, including any I. Unauthorized Use Of Another's Name Or amendment of or addition to such law; Product (3) The Fair Credit Reporting Act (FCRA), and "Personal and advertising injury" arising out of any amendment of or addition to such law, the unauthorized use of another's name or including the Fair and Accurate Credit product in your e-mail address, domain name Transactions Act(FACTA); or or metatag, or any other similar tactics to (4) Any federal, state or local statute, mislead another's potential customers. ordinance or regulation, other than the m. Pollution TCPA, CAN-SPAM Act of 2003 or FCRA "Personal and advertising injury" arising out of and their amendments and additions, that the actual, alleged or threatened discharge, addresses, prohibits, or limits the printing, dissemination, disposal, collecting, dispersal, "pollutants"seepage, migration, release or recording, sending, transmitting, escape ofat any time. g, g, g, communicating or distribution of material or information. CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 7 of 16 COVERAGE C— MEDICAL PAYMENTS d. Workers' Compensation And Similar Laws 1. Insuring Agreement To a person, whether or not an "employee" of a. We will pay medical expenses as described any insured, if benefits for the "bodily injury" below for"bodily injury" caused by an accident: are payable or must be provided under a workers' compensation or disability benefits (1) On premises you own or rent; law or a similar law. (2) On ways next to premises you own or rent; e. Athletics Activities or To a person injured while practicing, instructing (3) Because of your operations; or participating in any physical exercises or provided that: games, sports, or athletic contests. (a) The accident takes place in the f. Products-Completed Operations Hazard "coverage territory" and during the policy Included within the "products-completed period; operations hazard". (b) The expenses are incurred and reported g. Coverage A Exclusions to us within one year of the date of the accident; and Excluded under Coverage A. (c) The injured person submits to SUPPLEMENTARY PAYMENTS—COVERAGES A examination, at our expense, by AND B physicians of our choice as often as we 1. We will pay, with respect to any claim we reasonably require. investigate or settle, or any "suit" against an b. We will make these payments regardless of insured we defend: fault. These payments will not exceed the a. All expenses we incur. applicable limit of insurance. We will pay b. Up to $250 for cost of bail bonds required reasonable expenses for: because of accidents or traffic law violations (1) First aid administered at the time of an arising out of the use of any vehicle to which accident; the Bodily Injury Liability Coverage applies. We (2) Necessary medical, surgical, X-ray and do not have to furnish these bonds. dental services, including prosthetic c. The cost of bonds to release attachments, but devices; and only for bond amounts within the applicable (3) Necessary ambulance, hospital, limit of insurance. We do not have to furnish professional nursing and funeral services. these bonds. 2. Exclusions d. All reasonable expenses incurred by the insured at our request to assist us in the We will not pay expenses for bodily injury . investigation or defense of the claim or "suit", a. Any Insured including actual loss of earnings up to $250 a To any insured, except"volunteer workers". day because of time off from work. b. Hired Person e. All court costs taxed against the insured in the, suit . However, these payments do not include To a person hired to do work for or on behalf of attorneys' fees or attorneys' expenses taxed any insured or a tenant of any insured. against the insured. c. Injury On Normally Occupied Premises f. Prejudgment interest awarded against the To a person injured on that part of premises insured on that part of the judgment we pay. If you own or rent that the person normally we make an offer to pay the applicable limit of occupies. insurance, we will not pay any prejudgment interest based on that period of time after the offer. Page 8 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 g. All interest on the full amount of any judgment So long as the above conditions are met, that accrues after entry of the judgment and attorneys' fees incurred by us in the defense of before we have paid, offered to pay, or that indemnitee, necessary litigation expenses deposited in court the part of the judgment that incurred by us and necessary litigation expenses is within the applicable limit of insurance. incurred by the indemnitee at our request will be These payments will not reduce the limits of paid as Supplementary Payments. insurance. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I — Coverage A — Bodily Injury 2. If we defend an insured against a „suit„ and an And Property Damage Liability, such payments will indemnitee of the insured is also named as a party not be deemed to be damages for "bodily injury" to the "suit", we will defend that indemnitee if all of and "property damage" and will not reduce the the following conditions are met: limits of insurance. a. The "suit" against the indemnitee seeks Our obligation to defend an insured's indemnitee damages for which the insured has assumed and to pay for attorneys' fees and necessary the liability of the indemnitee in a contract or litigation expenses as Supplementary Payments agreement that is an "insured contract"; g p pp y y g ends when we have used up the applicable limit of b. This insurance applies to such liability insurance in the payment of judgments or assumed by the insured; settlements or the conditions set forth above, or c. The obligation to defend, or the cost of the the terms of the agreement described in defense of, that indemnitee, has also been Paragraph f. above, are no longer met. assumed by the insured in the same "insured SECTION II—WHO IS AN INSURED contract", 1. If you are designated in the Declarations as: d. The allegations in the "suit" and the information a. An individual, you and your spouse are we know about the "occurrence" are such that insureds, but only with respect to the conduct no conflict appears to exist between the of a business of which you are the sole owner. interests of the insured and the interests of the indemnitee; b. A partnership or joint venture, you are an insured. Your members, your partners, and e. The indemnitee and the insured ask us to their spouses are also insureds, but only with conduct and control the defense of that respect to the conduct of your business. indemnitee against such "suit" and agree that we can assign the same counsel to defend the c. A limited liability company, you are an insured. insured and the indemnitee; and Your members are also insureds, but only with respect to the conduct of your business. Your f. The indemnitee: managers are insureds, but only with respect (1) Agrees in writing to: to their duties as your managers. (a) Cooperate with us in the investigation, d. An organization other than a partnership, joint settlement or defense of the "suit"; venture or limited liability company, you are an (b) Immediately send us copies of any insured. Your "executive officers" and directors are insureds, but only with respect to their demands, notices, summonses or legal duties as our officers or directors. Your papers received in connection with the y "suit"; stockholders are also insureds, but only with respect to their liability as stockholders. (c) Notify any other insurer whose coverage e. A trust, you are an insured. Your trustees are is available to the indemnitee; and also insureds, but only with respect to their (d) Cooperate with us with respect to duties as trustees. coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the "suit"; and (b) Conduct and control the defense of the indemnitee in such "suit". CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 9 of 16 2. Each of the following is also an insured: c. Any person or organization having proper a. Your "volunteer workers" only while performing temporary custody of your property if you die, duties related to the conduct of your business, but only: or your "employees", other than either your (1) With respect to liability arising out of the "executive officers" (if you are an organization maintenance or use of that property; and other than a partnership,joint venture or limited (2) Until your legal representative has been liability company) or your managers (if you are appointed. a limited liability company), but only for acts within the scope of their employment by you or d. Your legal representative if you die, but only while performing duties related to the conduct with respect to duties as such. That of your business. However, none of these representative will have all your rights and "employees" or "volunteer workers" are duties under this Coverage Part. insureds for: 3. Any organization you newly acquire or form, other (1) "Bodily injury" or "personal and advertising than a partnership, joint venture or limited liability injury": company, and over which you maintain ownership or majority interest, will qualify as a Named (a) To you, to your partners or members (if Insured if there is no other similar insurance you are a partnership or joint venture),to your members (if you are a limited available to that organization. However: liability company), to a co-"employee" a. Coverage under this provision is afforded only while in the course of his or her until the 90th day after you acquire or form the employment or performing duties related organization or the end of the policy period, to the conduct of your business, or to whichever is earlier; your other "volunteer workers" while b. Coverage A does not apply to "bodily injury" or performing duties related to the conduct "property damage" that occurred before you of your business; acquired or formed the organization; and (b) To the spouse, child, parent, brother or c. Coverage B does not apply to "personal and sister of that co-"employee" or advertising injury" arising out of an offense "volunteer worker" as a consequence of committed before you acquired or formed the Paragraph (1)(a) above; organization. (c) For which there is any obligation to No person or organization is an insured with respect share damages with or repay someone to the conduct of any current or past partnership, joint else who must pay damages because of venture or limited liability company that is not shown the injury described in Paragraph (1)(a) as a Named Insured in the Declarations. or(b) above; or SECTION III — LIMITS OF INSURANCE (d) Arising out of his or her providing or 1. The Limits of Insurance shown in the Declarations failing to provide professional health and the rules below fix the most we will pay care services. regardless of the number of: (2) "Property damage" to property: a. Insureds; (a) Owned, occupied or used by; b. Claims made or"suits" brought; or (b) Rented to, in the care, custody or c. Persons or organizations making claims or control of, or over which physical control bringing "suits" is being exercised for any purpose by; . you, an of "empy to ees", "volunteer 2. The General Aggregate Limit is the most we will your workers", any partner or member (if you are pay for the sum of: a partnership or joint venture), or any a. Medical expenses under Coverage C; member (if you are a limited liability b. Damages under Coverage A, except damages company). because of"bodily injury" or"property damage" b. Any person (other than your "employee" or included in the "products-completed operations "volunteer worker"), or any organization while hazard"; and acting as your real estate manager. c. Damages under Coverage B. Page 10 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 3. The Products-Completed Operations Aggregate (3) The nature and location of any injury or Limit is the most we will pay under Coverage A for damage arising out of the "occurrence" or damages because of "bodily injury" and "property offense. damage" included in the "products-completed b. If a claim is made or "suit" is brought against operations hazard". any insured, you must: 4. Subject to Paragraph 2. above, the Personal And (1) Immediately record the specifics of the Advertising Injury Limit is the most we will pay claim or"suit" and the date received; and under Coverage B for the sum of all damages because of all "personal and advertising injury" (2) Notify us as soon as practicable. sustained by any one person or organization. You must see to it that we receive written 5. Subject to Paragraph 2. or 3. above, whichever notice of the claim or "suit" as soon as applies, the Each Occurrence Limit is the most we practicable. will pay for the sum of: c. You and any other involved insured must: a. Damages under Coverage A; and (1) Immediately send us copies of any b. Medical expenses under Coverage C demands, notices, summonses or legal papers received in connection with the because of all "bodily injury" and If claim or"suit"; damage" arising out of any one "occurrence". (2) Authorize us to obtain records and other 6. Subject to Paragraph 5. above, the Damage To information; Premises Rented To You Limit is the most we will pay under Coverage A for damages because of (3) Cooperate with us in the investigation or "property damage" to any one premises, while settlement of the claim or defense against rented to you, or in the case of damage by fire, the "suit"; and while rented to you or temporarily occupied by you (4) Assist us, upon our request, in the with permission of the owner. enforcement of any right against any 7. Subject to Paragraph 5. above, the Medical person or organization which may be liable Expense Limit is the most we will pay under to the insured because of injury or damage Coverage C for all medical expenses because of to which this insurance may also apply. "bodily injury" sustained by any one person. d. No insured will, except at that insured's own The Limits of Insurance of this Coverage Part apply cost, voluntarily make a payment, assume any separately to each consecutive annual period and to obligation, or incur any expense, other than for any remaining period of less than 12 months, starting first aid, without our consent. with the beginning of the policy period shown in the 3. Legal Action Against Us Declarations, unless the policy period is extended No person or organization has a right under this after issuance for an additional period of less than 12 Coverage Part: months. In that case, the additional period will be deemed part of the last preceding period for purposes a. To join us as a party or otherwise bring us into of determining the Limits of Insurance. a "suit" asking for damages from an insured; or SECTION IV—COMMERCIAL GENERAL LIABILITY b. To sue us on this Coverage Part unless all of CONDITIONS its terms have been fully complied with. 1. Bankruptcy A person or organization may sue us to recover on Bankruptcy or insolvent of the insured or of the an agreed settlement or on a final judgment p y y against an insured; but we will not be liable for insureds estate will not relieve us of our damages that are not payable under the terms of obligations under this Coverage Part. this Coverage Part or that are in excess of the 2. Duties In The Event Of Occurrence, Offense, applicable limit of insurance. An agreed settlement Claim Or Suit means a settlement and release of liability signed a. You must see to it that we are notified as soon by us, the insured and the claimant or the as practicable of an "occurrence" or an offense claimant's legal representative. which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 11 of 16 4. Other Insurance (3) When this insurance is excess over other If other valid and collectible insurance is available insurance, we will pay only our share of the to the insured for a loss we cover under amount of the loss, if any, that exceeds the Coverages A or B of this Coverage Part, our sum of: obligations are limited as follows: (a) The total amount that all such other a. Primary Insurance insurance would pay for the loss in the This insurance is primary except when absence of this insurance; and Paragraph b. below applies. If this insurance is (b) The total of all deductible and self- primary, our obligations are not affected unless insured amounts under all that other any of the other insurance is also primary. insurance. Then, we will share with all that other (4) We will share the remaining loss, if any, insurance by the method described in with any other insurance that is not Paragraph c. below. described in this Excess Insurance b. Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance (1) This insurance is excess over: shown in the Declarations of this Coverage (a) Any of the other insurance, whether Part. primary, excess, contingent or on any c. Method Of Sharing other basis: If all of the other insurance permits contribution (i) That is Fire, Extended Coverage, by equal shares, we will follow this method Builder's Risk, Installation Risk or also. Under this approach each insurer similar coverage for your work", contributes equal amounts until it has paid its (ii) That is Fire insurance for premises applicable limit of insurance or none of the loss rented to you or temporarily remains, whichever comes first. occupied by you with permission of If any of the other insurance does not permit the owner; contribution by equal shares, we will contribute (iii) That is insurance purchased by you by limits. Under this method, each insurer's to cover your liability as a tenant for share is based on the ratio of its applicable "property damage" to premises limit of insurance to the total applicable limits of rented to you or temporarily insurance of all insurers. occupied by you with permission of 5. Premium Audit the owner; or a. We will compute all premiums for this (iv) If the loss arises out of the Coverage Part in accordance with our rules maintenance or use of aircraft, and rates. "autos" or watercraft to the extent not subject to Exclusion g. of Section I — b. Premium shown in this Coverage Part as Coverage A — Bodily Injury And advance premium is a deposit premium only. Property Damage Liability. At the close of each audit period we will compute the earned premium for that period (b) Any other primary insurance available to and send notice to the first Named Insured. you covering liability for damages The due date for audit and retrospective arising out of the premises or premiums is the date shown as the due date operations, or the products and on the bill. If the sum of the advance and audit completed operations, for which you premiums paid for the policy period is greater have been added as an additional than the earned premium, we will return the insured. excess to the first Named Insured. (2) When this insurance is excess, we will have c. The first Named Insured must keep records of no duty under Coverages A or B to defend the information we need for premium the insured against any If if any other computation, and send us copies at such times insurer has a duty to defend the insured as we may request. against that "suit". If no other insurer defends, we will undertake to do so, but we 6. Representations will be entitled to the insured's rights By accepting this policy, you agree: against all those other insurers. a. The statements in the Declarations are accurate and complete; Page 12 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 b. Those statements are based upon However, "auto" does not include "mobile representations you made to us; and equipment". c. We have issued this policy in reliance upon 3. "Bodily injury" means bodily injury, sickness or your representations. disease sustained by a person, including death 7. Separation Of Insureds resulting from any of these at any time. Except with respect to the Limits of Insurance, and 4. "Coverage territory" means: any rights or duties specifically assigned in this a. The United States of America (including its Coverage Part to the first Named Insured, this territories and possessions), Puerto Rico and insurance applies: Canada; a. As if each Named Insured were the only b. International waters or airspace, but only if the Named Insured; and injury or damage occurs in the course of travel b. Separately to each insured against whom claim or transportation between any places included is made or"suit" is brought. in Paragraph a. above; or 8. Transfer Of Rights Of Recovery Against Others c. All other parts of the world if the injury or To Us damage arises out of: If the insured has rights to recover all or part of (1) Goods or products made or sold by you in any payment we have made under this Coverage the territory described in Paragraph a. Part, those rights are transferred to us. The above; insured must do nothing after loss to impair them. (2) The activities of a person whose home is in At our request, the insured will bring "suit" or the territory described in Paragraph a. transfer those rights to us and help us enforce above, but is away for a short time on your them. business; or 9. When We Do Not Renew (3) "Personal and advertising injury" offenses If we decide not to renew this Coverage Part, we that take place through the Internet or will mail or deliver to the first Named Insured similar electronic means of communication; shown in the Declarations written notice of the provided the insured's responsibility to pay nonrenewal not less than 30 days before the damages is determined in a "suit" on the merits, in expiration date. the territory described in Paragraph a. above or in If notice is mailed, proof of mailing will be sufficient a settlement we agree to. proof of notice. 5. "Employee" includes a "leased worker". SECTION V—DEFINITIONS "Employee" does not include a "temporary worker". 1. "Advertisement" means a notice that is broadcast or published to the general public or specific 6. "Executive officer" means a person holding any of market segments about your goods, products or the officer positions created by your charter, services for the purpose of attracting customers or constitution, bylaws or any other similar governing supporters. For the purposes of this definition: document. a. Notices that are published include material 7. "Hostile fire" means one which becomes placed on the Internet or on similar electronic uncontrollable or breaks out from where it was means of communication; and intended to be. b. Regarding web sites, only that part of a web 8• "Impaired property,' means tangible property, other site that is about your goods, products or than your product" or your work", that cannot be services for the purposes of attracting used or is less useful because: customers or supporters is considered an a. It incorporates "your product" or "your work" advertisement. that is known or thought to be defective, 2. "Auto" means: deficient, inadequate or dangerous; or a. A land motor vehicle, trailer or semitrailer b. You have failed to fulfill the terms of a contract designed for travel on public roads, including or agreement; any attached machinery or equipment; or if such property can be restored to use by the b. Any other land vehicle that is subject to a repair, replacement, adjustment or removal of compulsory or financial responsibility law or your product" or your work" or your fulfilling the other motor vehicle insurance law where it is terms of the contract or agreement. licensed or principally garaged. CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 13 of 16 9. "Insured contract" means: 10."Leased worker" means a person leased to you by a. A contract for a lease of premises. However, a labor leasing firm under an agreement between that portion of the contract for a lease of you and the labor leasing firm, to perform duties premises that indemnifies any person or related to the conduct of your business. "Leased organization for damage by fire to premises worker„ does not include a temporary worker". while rented to you or temporarily occupied by 11."Loading or unloading" means the handling of you with permission of the owner is not an property: "insured contract"; a. After it is moved from the place where it is b. A sidetrack agreement; accepted for movement into or onto an aircraft, c. Any easement or license agreement, except in watercraft or"auto"; connection with construction or demolition b. While it is in or on an aircraft, watercraft or operations on or within 50 feet of a railroad; "auto"; or d. An obligation, as required by ordinance, to c. While it is being moved from an aircraft, indemnify a municipality, except in connection watercraft or "auto" to the place where it is with work for a municipality; finally delivered; e. An elevator maintenance agreement; but "loading or unloading" does not include the f. That part of any other contract or agreement movement of property by means of a mechanical pertaining to your business (including an device, other than a hand truck,,, that, is not indemnification of a municipality in connection attached to the aircraft, watercraft or auto . with work performed for a municipality) under 12."Mobile equipment" means any of the following which you assume the tort liability of another types of land vehicles, including any attached party to pay for "bodily injury" or "property machinery or equipment: damage" to a third person or organization. Tort a. Bulldozers, farm machinery, forklifts and other liability means a liability that would be imposed vehicles designed for use principally off public by law in the absence of any contract or roads; agreement. b. Vehicles maintained for use solely on or next to Paragraph f. does not include that part of any premises you own or rent; contract or agreement: c. Vehicles that travel on crawler treads; (1) That indemnifies a railroad for"bodily injury" or "property damage" arising out of d. Vehicles, whether self-propelled or not, construction or demolition operations, within maintained primarily to provide mobility to 50 feet of any railroad property and permanently mounted: affecting any railroad bridge or trestle, (1) Power cranes, shovels, loaders, diggers or tracks, road-beds, tunnel, underpass or drills; or crossing; (2) Road construction or resurfacing equipment (2) That indemnifies an architect, engineer or such as graders, scrapers or rollers; surveyor for injury or damage arising out of: e. Vehicles not described in Paragraph a., b., c. (a) Preparing, approving, or failing to or d. above that are not self-propelled and are prepare or approve, maps, shop maintained primarily to provide mobility to drawings, opinions, reports, surveys, permanently attached equipment of the field orders, change orders or drawings following types: and specifications; or (1) Air compressors, pumps and generators, (b) Giving directions or instructions, or including spraying, welding, building failing to give them, if that is the primary cleaning, geophysical exploration, lighting cause of the injury or damage; or and well servicing equipment; or (3) Under which the insured, if an architect, (2) Cherry pickers and similar devices used to engineer or surveyor, assumes liability for raise or lower workers; an injury or damage arising out of the f. Vehicles not described in Paragraph a., b., c. insured's rendering or failure to render or d. above maintained primarily for purposes professional services, including those listed other than the transportation of persons or in (2) above and supervisory, inspection, architectural or engineering activities. cargo. Page 14 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 However, self-propelled vehicles with the 16."Products-completed operations hazard": following types of permanently attached a. Includes all "bodily injury" and "property equipment are not mobile equipment, but will damage" occurring away from premises you „ be considered "autos": own or rent and arising out of"your product" or (1) Equipment designed primarily for: "your work" except: (a) Snow removal; (1) Products that are still in your physical (b) Road maintenance, but not construction possession; or or resurfacing; or (2) Work that has not yet been completed or (c) Street cleaning; abandoned. However, "your work" will be (2) Cherry pickers and similar devices mounted deemed completed at the earliest of thefollowing times: on automobile or truck chassis and used to raise or lower workers; and (a) When all of the work called for in your contract has been completed. (3) Air compressors, pumps and generators, b When all of the work to be done at the including spraying, welding, building ( ) cleaning, geophysical exploration, lighting job site has been completed if your and well servicing equipment. contract calls for work at more than one However, "mobile equipment does not include job site. any land vehicles that are subject to a compulsory (c) When that part of the work done at a job or financial responsibility law or other motor site has been put to its intended use by vehicle insurance law where it is licensed or any person or organization other than principally garaged. Land vehicles subject to a another contractor or subcontractor compulsory or financial responsibility law or other working on the same project. motor vehicle insurance law are considered Work that may need service, maintenance, "autos". correction, repair or replacement, but which 13."Occurrence" means an accident, including is otherwise complete, will be treated as continuous or repeated exposure to substantially completed. the same general harmful conditions. b. Does not include "bodily injury" or "property 14."Personal and advertising injury" means injury, damage" arising out of: including consequential "bodily injury", arising out (1) The transportation of property, unless the of one or more of the following offenses: injury or damage arises out of a condition in a. False arrest, detention or imprisonment; or on a vehicle not owned or operated by you, and that condition was created by the b. Malicious prosecution; "loading or unloading" of that vehicle by any c. The wrongful eviction from, wrongful entry into, insured; or invasion of the right of private occupancy of (2) The existence of tools, uninstalled a room, dwelling or premises that a person equipment or abandoned or unused occupies, committed by or on behalf of its materials; or owner, landlord or lessor; ( ) Products or operations erations for which the d. Oral or written publication, in any manner, of classification, listed in the Declarations or in material that slanders or libels a person or a policy Schedule, states that products- organization or disparages a person's or completed operations are subject to the organization's goods, products or services; General Aggregate Limit. e. Oral or written publication, in any manner, of 17."Property damage" means: material that violates a person's right of privacy; a. Physical injury to tangible property, including all resulting loss of use of that property. All f. The use of another's advertising idea in your such loss of use shall be deemed to occur at "advertisement"; or the time of the physical injury that caused it; or g. Infringing upon another's copyright, trade dress b. Loss of use of tangible property iblethat is not or slogan in your advertisement . physically injured. All such loss of use shall be 15."Pollutants" mean any solid, liquid, gaseous or deemed to occur at the time of the thermal irritant or contaminant, including smoke, "occurrence" that caused it. vapor, soot, fumes, acids, alkalis, chemicals and For the purposes of this insurance, electronic data waste. Waste includes materials to be recycled, is not tangible property. reconditioned or reclaimed. CG 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 15 of 16 As used in this definition, electronic data means b. Includes: information, facts or programs stored as or on, (1) Warranties or representations made at any created or used on, or transmitted to or from time with respect to the fitness, quality, computer software, including systems and durability, performance or use of "your applications software, hard or floppy disks, CD- product"; and ROMs, tapes, drives, cells, data processing devices or any other media which are used with (2) The providing of or failure to provide electronically controlled equipment. warnings or instructions. 18."Suit" means a civil proceeding in which damages c. Does not include vending machines or other because of "bodily injury", "property damage" or property rented to or located for the use of "personal and advertising injury" to which this others but not sold. insurance applies are alleged. "Suit" includes: 22."Your work": a. An arbitration proceeding in which such a. Means: damages are claimed and to which the insured (1) Work or operations performed by you or on must submit or does submit with our consent; your behalf; and or b. An other alternative dispute resolution (2) Materials, parts or equipment furnished in y p proceeding in which such damages are connection with such work or operations. claimed and to which the insured submits with b. Includes: our consent. (1) Warranties or representations made at any 19."Temporary worker" means a person who is time with respect to the fitness, quality, furnished to you to substitute for a permanent durability, performance or use of "your "employee" on leave or to meet seasonal or short- work"; and term workload conditions. (2) The providing of or failure to provide 20."Volunteer worker" means a person who is not warnings or instructions. your "employee", and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 21."Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. Page 16 of 16 © Insurance Services Office, Inc., 2012 CG 00 01 04 13 IL001711 98 COMMON POLICY CONDITIONS All Coverage Parts included in this policy are subject to the following conditions. A. Cancellation b. Give you reports on the conditions we find; 1. The first Named Insured shown in the Declara- and tions may cancel this policy by mailing or deliv- c. Recommend changes. ering to us advance written notice of cancella- 2. We are not obligated to make any inspections, tion. surveys, reports or recommendations and any 2. We may cancel this policy by mailing or deliver- such actions we do undertake relate only to fin- ing to the first Named Insured written notice of surability and the premiums to be charged. We cancellation at least: do not make safety inspections. We do not un- a. 10 days before the effective date of cancel- dertake to perform the duty of any person or lation if we cancel for nonpayment of premi- organization to provide for the health or safety um; or of workers or the public. And we do not warrant that conditions: b. 30 days before the effective date of cancel- lation if we cancel for any other reason. a. Are safe or healthful; or 3. We will mail or deliver our notice to the first b. Comply with laws, regulations, codes or Named Insured's last mailing address known to standards. us. 3. Paragraphs 1. and 2. of this condition apply not 4. Notice of cancellation will state the effective only to us, but also to any rating, advisory, rate date of cancellation. The policy period will end service or similar organization which makes in- on that date. surance inspections, surveys, reports or rec- ommendations. 5. If this policy is cancelled, we will send the first Named Insured any premium refund due. If we 4. Paragraph 2. of this condition does not apply to cancel, the refund will be pro rats. If the first any inspections, surveys, reports or recom- Named Insured cancels, the refund may be mendations we may make relative to certifica- less than pro rats. The cancellation will be ef- tion, under state or municipal statutes, ordi- fective even if we have not made or offered a nances or regulations, of boilers, pressure ves- sels or elevators. refund. 6. If notice is mailed, proof of mailing will be suffi- E. Premiums cient proof of notice. The first Named Insured shown in the Declara- B. Changes tions: This policy contains all the agreements between 1. Is responsible for the payment of all premiums; you and us concerning the insurance afforded. and The first Named Insured shown in the Declarations 2. Will be the payee for any return premiums we is authorized to make changes in the terms of this pay. policy with our consent. This policy's terms can be F. Transfer Of Your Rights And Duties Under This amended or waived only by endorsement issued policy by us and made a part of this policy. Your rights and duties under this policy may not be C. Examination Of Your Books And Records transferred without our written consent except in We may examine and audit your books and rec- the case of death of an individual named insured. ords as they relate to this policy at any time during If you die, your rights and duties will be transferred the policy period and up to three years afterward. to your legal representative but only while acting D. Inspections And Surveys within the scope of duties as your legal representa- 1. We have the right to: tive. Until your legal representative is appointed, anyone having proper temporary custody of your a. Make inspections and surveys at any time; property will have your rights and duties but only with respect to that property. IL 00 17 11 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 ❑ POLICY NUMBER: U25SE13623 COMMERCIAL GENERAL LIABILITY CG 21 3510 01 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - COVERAGE C - MEDICAL PAYMENTS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description And Location Of Premises Or Classification: All activities, operations, and locations of the Named Insured. (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) With respect to any premises or classification shown 2. The following is added to Section I — Supple- in the Schedule: mentary Payments: 1. Section I — Coverage C — Medical Payments h. Expenses incurred by the insured for first does not apply and none of the references to it aid administered to others at the time of an in the Coverage Part apply: and accident for "bodily injury" to which this in- surance applies. CG 21 35 10 01 O ISO Properties, Inc., 2000 Page 1 of 1 � COMMERCIAL GENERAL LIABILITY CG 21 46 07 98 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ABUSE OR MOLESTATION EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART The following exclusion is added to Paragraph 2., 2. The negligent: Exclusions of Section I — Coverage A — Bodily a. Employment; Injury And Property Damage Liability and Para- graph 2., Exclusions of Section I — Coverage B — b. Investigation; Personal And Advertising Injury Liability: c. Supervision; This insurance does not apply to "bodily injury", d. Reporting to the proper authorities, or failure "property damage" or "personal and advertising to so report; or injury"arising out of: e. Retention; 1. The actual or threatened abuse or molestation by of a person for whom any insured is or ever was anyone of any person while in the care, custody legally responsible and whose conduct would be or control of any insured, or excluded by Paragraph 1. above. CG 21 46 07 98 Copyright, Insurance Services Office, Inc., 1997 Page 1 of 1 � ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company ATTENDANCE LIMITATION EXCLUSION ENDORSEMENT This endorsement modifies insurance under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE Number of Admissions 250.00 The following exclusion is added to both Paragraph 2. Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY (SECTION I — COVERAGES) and Paragraph 2. Exclusions of COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY (SECTION I — COVERAGES): This insurance does not apply to "bodily injury", "property damage", or"personal and advertising injury"arising out of any event in which the attendance or capacity of the designated venue for such event exceeds the Number of Admissions shown in the Schedule to this Attendance Limitation Exclusion Endorsement. However, this exclusion does not apply if the attendance or capacity of the designated venue for such event is otherwise approved by us in writing. All other terms, conditions and exclusions of the policy remain unchanged. Authorized Representative SE 1010 02 10 Page 1of 1 COMMERCIAL GENERAL LIABILITY CG21 47 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT=RELATED PRACTICES EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2., B. The following exclusion is added to Paragraph 2., Exclusions of Section I — Coverage A — Bodily Exclusions of Section I — Coverage B — Person- Injury And Property Damage Liability: al And Advertising Injury Liability: This insurance does not apply to: This insurance does not apply to: "Bodily injury" to: "Personal and advertising injury" to: (1) A person arising out of any: (1) A person arising out of any: (a) Refusal to employ that person; (a) Refusal to employ that person; (b) Termination of that person's employment; (b) Termination of that person's employment; or or (c) Employment-related practices, policies, (c) Employment-related practices, policies, acts or omissions, such as coercion, demo- acts or omissions, such as coercion, demo- tion, evaluation, reassignment, discipline, tion, evaluation, reassignment, discipline, defamation, harassment, humiliation, dis- defamation, harassment, humiliation, dis- crimination or malicious prosecution di- crimination or malicious prosecution di- rected at that person; or rected at that person; or (2) The spouse, child, parent, brother or sister of (2) The spouse, child, parent, brother or sister of that person as a consequence of"bodily injury" that person as a consequence of"personal and to that person at whom any of the employment- advertising injury" to that person at whom any related practices described in Paragraphs (a), of the employment-related practices described (b), or(c) above is directed. in Paragraphs (a), (b), or(c) above is directed. This exclusion applies: This exclusion applies: (1) Whether the injury-causing event described in (1) Whether the injury-causing event described in Paragraphs (a), (b) or (c) above occurs before Paragraphs (a), (b) or (c) above occurs before employment, during employment or after em- employment, during employment or after em- ployment of that person; ployment of that person; (2) Whether the insured may be liable as an em- (2) Whether the insured may be liable as an em- ployer or in any other capacity; and ployer or in any other capacity; and (3) To any obligation to share damages with or (3) To any obligation to share damages with or repay someone else who must pay damages repay someone else who must pay damages because of the injury. because of the injury. CG 21 47 12 07 © ISO Properties, Inc., 2006 Page 1 of 1 ❑ COMMERCIAL GENERAL LIABILITY CG21 67 12 04 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FUNGI OR BACTERIA EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverage A— Bodily Exclusions of Section I — Coverage B— Person- Injury And Property Damage Liability: al And Advertising Injury Liability: 2. Exclusions 2. Exclusions This insurance does not apply to: This insurance does not apply to: Fungi Or Bacteria Fungi Or Bacteria a. "Bodily injury" or "property damage" which a. "Personal and advertising injury" which would not have occurred, in whole or in part, would not have taken place, in whole or in but for the actual, alleged or threatened in- part, but for the actual, alleged or threat- halation of, ingestion of, contact with, expo- ened inhalation of, ingestion of, contact sure to, existence of, or presence of, any with, exposure to, existence of, or presence "fungi" or bacteria on or within a building or of any "fungi" or bacteria on or within a structure, including its contents, regardless building or structure, including its contents, of whether any other cause, event, material regardless of whether any other cause, or product contributed concurrently or in any event, material or product contributed con- sequence to such injury or damage. currently or in any sequence to such injury. b. Any loss, cost or expenses arising out of the b. Any loss, cost or expense arising out of the abating, testing for, monitoring, cleaning up, abating, testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, removing, containing, treating, detoxifying, neutralizing, remediating or disposing of, or neutralizing, remediating or disposing of, or in any way responding to, or assessing the in any way responding to, or assessing the effects of, "fungi" or bacteria, by any insured effects of, "fungi" or bacteria, by any insured or by any other person or entity. or by any other person or entity. This exclusion does not apply to any "fungi" or C. The following definition is added to the Definitions bacteria that are, are on, or are contained in, a Section: good or product intended for bodily consump- "Fungi" means any type or form of fungus, includ- tion. ing mold or mildew and any mycotoxins, spores, scents or byproducts produced or released by fun- gi. CG 21 67 12 04 © ISO Properties, Inc., 2003 Page 1 of 1 ❑ IL 00 21 09 08 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. NUCLEAR ENERGY LIABILITY EXCLUSION ENDORSEMENT (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART FARM COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY 1. The insurance does not apply: C. Under any Liability Coverage, to "bodily injury" A. Under any Liability Coverage, to "bodily injury" or "property damage" resulting from "hazard- or"property damage": ous properties" of nuclear material", if: (1) With respect to which an "insured" under (1) The "nuclear material" (a) is at any "nuclear the policy is also an insured under a nucle- facility" owned by, or operated by or on be- ar energy liability policy issued by Nuclear half of, an "insured" or (b) has been dis- Energy Liability Insurance Association, Mu- charged or dispersed therefrom; tual Atomic Energy Liability Underwriters, (2) The "nuclear material" is contained in Nuclear Insurance Association of Canada "spent fuel" or "waste" at any time pos- or any of their successors, or would be an sessed, handled, used, processed, stored, insured under any such policy but for its transported or disposed of, by or on behalf termination upon exhaustion of its limit of li- of an "insured"; or ability; or (3) The "bodily injury" or "property damage" (2) Resulting from the "hazardous properties" arises out of the furnishing by an "insured" of "nuclear material" and with respect to of services, materials, parts or equipment in which (a) any person or organization is re- connection with the planning, construction, quired to maintain financial protection pur- maintenance, operation or use of any "nu- suant to the Atomic Energy Act of 1954, or clear facility", but if such facility is located any law amendatory thereof, or (b) the "in- within the United States of America, its terri- sured" is, or had this policy not been issued tories or possessions or Canada, this ex- would be, entitled to indemnity from the clusion (3) applies only to "property dam- United States of America, or any agency age" to such "nuclear facility" and any thereof, under any agreement entered into property thereat. by the United States of America, or any 2. As used in this endorsement: agency thereof, with any person or organi- zation. "Hazardous properties" includes radioactive, toxic B. Under any Medical Payments coverage, to or explosive properties. expenses incurred with respect to "bodily inju- "Nuclear material" means "source material", "spe- llry" resulting from the "hazardous properties" of cial nuclear materialor by-product material . "nuclear material" and arising out of the opera- tion of a "nuclear facility" by any person or or- ganization. IL 00 21 09 08 © ISO Properties, Inc., 2007 Page 1 of 2 ❑ "Source material", "special nuclear material", and (c) Any equipment or device used for the pro- "by-product material" have the meanings given cessing, fabricating or alloying of "special them in the Atomic Energy Act of 1954 or in any nuclear material" if at any time the total law amendatory thereof. amount of such material in the custody of "Spent fuel" means any fuel element or fuel com- the "insured" at the premises where such ponent, solid or liquid, which has been used or ex- equipment or device is located consists of posed to radiation in a "nuclear reactor". or contains more than 25 grams of plutoni- um or uranium 233 or any combination "Waste" means any waste material (a) containing thereof, or more than 250 grams of uranium "by-product material" other than the tailings or 235; wastes produced by the extraction or concentra- tion of uranium or thorium from any ore processed (d) Any structure, basin, excavation, premises primarily for its "source material" content, and (b) or place prepared or used for the storage or resulting from the operation by any person or or- disposal of waste,, ganization of any "nuclear facility" included under and includes the site on which any of the foregoing the first two paragraphs of the definition of "nucle- is located, all operations conducted on such site ar facility". and all premises used for such operations. "Nuclear facility" means: "Nuclear reactor" means any apparatus designed (a) Any"nuclear reactor"; or used to sustain nuclear fission in a self- supporting chain reaction or to contain a critical (b) Any equipment or device designed or used mass of fissionable material. for(1) separating the isotopes of uranium or plutonium, (2) processing or utilizing "spent "Property damage" includes all forms of radioac- fuel", or(3) handling, processing or packag- tive contamination of property. ing "waste"; Page 2 of 2 © ISO Properties, Inc., 2007 IL 00 21 09 08 ❑ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company COMMERCIAL GENERAL LIABILITY AMENDATORY ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM notice of the "occurrence", offense, claim or A. Subparagraph (2) of Exclusion g. under "suit" Section I — Coverage A — 2. Exclusions is . deleted and replaced by the following: f. Failure by the agent, servant or "employee" This exclusion does not apply to: of an insured (other than an officer, manager pp y or partner) to notify us of an "occurrence" g. Aircraft, Auto or Watercraft shall not constitute a failure to comply with A watercraft that you do not own that is: subparagraphs 2.a. and 2.b. of this Section. a Less than 52 feet Ion g. Failure to report an "occurrence" or offense ( ) g; and which you inadvertently reported to another b Not beingpersons or insurer shall not constitute a failure to comply ( ) used to carry with Subparagraphs 2.a. and 2.b. of this property for a charge. Section. However, you shall notify us of any B. SUPPLEMENTARY PAYMENTS such "occurrence" or offense as soon as you COVERAGES A and B become aware of such error. Paragraphs 1.b. and 1.d. of Supplementary Paragraphs 10. and 11. are added to SECTION pp y Payments — Coverages A and B are deleted IV — COMMERCIAL GENERAL LIABILITYCONDITIONS as follows: and replaced by the following: We will pay,a , with respect to an claim we 10. Unintentional Error or Omission p y investigate or settle, or any "suit" against an The unintentional failure by you or any insured we defend: insured to provide accurate and complete representations as of the inception of the b. Up to $2,500 for cost of bail bonds required policy will not prejudice the coverages because of accidents or traffic law violations afforded by this policy. However, you must arising out of the use of any vehicle to which report such error or omission to us as soon the Bodily Injury Liability Coverage applies. as practicable after its discovery. We do not have to furnish thee bonds. 11. Liberalization Clause d. All reasonable expenses incurred by the If we revise or replace our standard policy insured at our request to assist us in the form to provide more coverage without an investigation or defense of the claim or"suit", additional premium charge, your policy will including actual loss of earnings up to $350 a automatically provide the additional day because of time off from work. coverages as of the date the revision is effective in your state. C. COMMERCIAL LIABILITY CONDITIONS Subparagraphs 2.e., 2.f and 2.g. are added to All other terms conditions and exclusions SECTION IV — COMMERCIAL GENERAL ' LIABILITY CONDITIONS as follows: of the policy remain unchanged. e. Knowledge of the "occurrence", offense, claim or "suit" by the agent, servant, or "employee" of an insured shall not in itself constitute your knowledge unless one of your officers, manager or partners has received SE 1012 01 13 Page 1 of 1 ENDORSEMENT REQUIREMENTS FOR WRITTEN CONTRACT OF VENDORS OR EXHIBITORS FOR SPONSORED EVENTS This endorsement modifies insurance provided by: COMMERCIAL GENERAL LIABILITY COVERAGE FORM A. Paragraph 10. is added to SECTION IV — or exhibitor's policy for any and all liabil- ity arising out COMMERCIAL GENERAL LIABILITY CONDI- of the "sponsored event"; and TIONS as follows: v. You will maintain in your office a Certifi- 1. Subcontractor, Vendor or Exhibitor Con- cate of Insurance or other evidence of tract Requirements coverage naming you as an Additional You warrant all of the following: Insured on, such subcontractor, vendor g or exhibitors policy. i. You will maintain, in full force and effect, a written contract between you and each B. Notwithstanding Paragraph 4., Other Insurance one of your subcontractors, vendors or of SECTION IV — COMMERCIAL GENERAL exhibitors that participates in each event LIABILITY CONDITIONS, this coverage part that you sponsor, manage, or hold shall be excess of any other primary Commer- (hereinafter, such event is referred to as cial General Liability Insurance naming you as an the "sponsored event"); Additional Insured. ii. You will require in such written contract C. The following exclusion is added to Paragraph 2., that such subcontractor, vendor or ex- Exclusions of COVERAGE A BODILY IN-JURY hibitor defends you and holds you harm- AND PROPERTY DAMAGE LIABILITY less for such vendor's or exhibitor's lia- (SECTION I — COVERAGES) and Paragraph 2., bility arising out of the"sponsored event"; Exclusions of COVERAGE B PERSONAL AND iii. You will require in such written contract ADVERTISING INJURY LIABILITY (SEC-TION that each subcontractor, vendor or ex- I—COVERAGES) as follows: hibitor maintain, in full force and effect, [This insurance does not apply to:] primary Commercial General Liability Insurance for the"sponsored event"on a Any claim or "suit" arising out of any subcontrac- form that provides coverage at least as tor's, vendor's or exhibitor's liability arising out of comprehensive as a standard ISO policy a "sponsored event" if you breach any of the with defense outside of the limits of warranties contained in Paragraph 10. of SEC- insurance and minimum limits of in- TION IV — COMMERCIAL GENERAL LIABIL- surance of at least: ITY CONDITIONS. • $1,000,000 Per Occurrence,and • $1,000,000 Aggregate Limit; iv. You will require in such written contract that each subcontractor, vendor or ex- hibitor add you as an Additional Insured .� dy on such subcontractor's, vendor's Authorized Representative All other terms and conditions of the policy remain the same. SE 1034 02 10 Page 1 of 1 ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company EXCLUSION -- SPORTS/LEISURE/ENTERTAINMENT ACTIVITIES AND DEVICES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following exclusions are added to Paragraph 2. Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY (SECTION I—COVERAGES) and Paragraph 2. Exclusions of COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY (SECTION I—COVERAGES) if an X is indicated to the left of such exclusion. This insurance does not apply to "bodily injury", "property damage", "personal and advertising injury" Inverted Aerial Maneuver Arising out of the attempt to perform or performance of any inverted aerial maneuver by a skier from a jump: 1. Built by you or on your behalf; or 2. Built on your premises with your permission or knowledge. Amusement Device Arising out of the ownership, operation, maintenance or use of any"amusement device". For purposes of this exclusion, "amusement device" means any device or equipment a person rides for enjoyment, including, but not limited to, any mechanical or non-mechanical ride, slide, water slide (including any ski or tow when used in connection with a water slide), moonwalk or moon bounce, bungee operation or equipment. "Amusement device" does not include any video arcade or computer game. Bungee Arising out of the ownership, operation, maintenance or use of any bungee operation or equipment whether owned, operated, maintained or used by you, any other insured or any other person or entity. Animals Arising out of injury or death to any animal. Object Propelled Arising out of any object propelled, whether intentionally or unintentionally, into the crowd by or at the direction of a "participant" or insured. "Participant" Arising out of the involvement of a participant in any activity, event or exhibition, including, but not limited to, any contest, physical training, sport, event, athletic activity, martial arts or stunt. Rodeo Arising out of any rodeo activity, including, but not limited to, bronco or bull riding, steer roping, team roping, barrel racing or horseback riding. SE 1019 02 10 Page 1 of 2 Concert Arising out of a concert, show, or theatrical event. Performer Arising out of the involvement of any performer during any activity, event or exhibition, including, but not limited to any stunt, concert, show or theatrical event. DEFINITION OF PARTICIPANT For purposes of this endorsement, "participant" means any person while instructing, supervising, training or practicing for, participating in or while otherwise involved in any sports or athletic activity, contest, or exhibition. "Participant" does not include any spectator. All other terms, conditions and exclusions remain unchanged. r Authorized Representative SE10190210 Page 2of2 THIS ENDORSEMENT EFFECTIVE: 12:01 A.M. Oct 29, 2025 FORMS A PART OF POLICY NO.: U25SE13623 ISSUED TO: Reef Enviromental Education Foundation, Inc By: U.S. Specialty Insurance Company FIELD OF ENTERTAINMENT EXCLUSION This endorsement modifies insurance under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART In consideration of the premium charged, it is hereby agreed that with respect to Coverage B. Personal and Advertising Injury Liability: 1. This policy does not apply to the following offenses arising out of the business of the Insured in the Field of Entertainment: A. Invasion of the right of privacy; B. Infringement of copyright, whether under statutory or common law; C. Libel, slander or other forms of defamation; D. Unauthorized uses of titles, formats, ideas, characters, plots or other program material; and E. Infringement of copyright or common law property rights, in literary or musical material, plagiarism, unfair competition or piracy. 2. "The Business of the Insured in the Field of Entertainment" means: A. The production, pre-production, post-production, distribution, exploitation and exhibition of motion pictures, television programs, commercial film, photograph records, electrical transcriptions, sheet music or other similar properties. B. The conduct of any players, entertainers or musicians in any show, theatrical performance or exhibition. C. The ownership, operation, maintenance or use of merchandising programs, advertising or publicity material, characters or ideas; whether or not on, premises of the Insured or in possession of the Insured at the time of the alleged offense. D. The ownership, operation, maintenance or use of theaters and similar exhibition media. All other terms, conditions and exclusions remain the same. Authorized Representative SE 1075 (06 1 1) ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company ASSAULT AND BATTERY EXCLUSION This endorsement modifies insurance under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following exclusion is added to Paragraph 2. Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY (SECTION I — COVERAGES) and Paragraph 2. Exclusions of COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY (SECTION I — COVERAGES): This Policy shall not apply to "bodily injury, property damage", or "personal injury and advertising injury", arising out of assault and/or battery or out of any act or omission in connection with the prevention or suppression of such assault and/or battery. All other terms, conditions and exclusions of the policy remain unchanged. Authorized Representative SE 1008 02 10 ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company FIREWORKS, EXPLOSIVES, PYROTECHNIC DEVICES, OR INCENDIARY DEVICE EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following exclusion is added to Paragraph 2., Exclusions of COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY (SECTION I — COVERAGES) and Paragraph 2., Exclusions of COVERAGE B. PERSONAL AND ADVERTISING INJURY LIABILITY(SECTION I—COVERAGES) as follows: This insurance does not apply to "bodily injury", "property damage" and "personal and advertising injury" caused by, arising out of, or resulting directly or indirectly, in whole or in part from fireworks, explosives, pyrotechnic devices, or any incendiary device. However, this exclusion does not apply to "flashboxes". As used in this endorsement, "flashbox(es)7) means a device used to create a visual effect along with an explosive noise and is induced electronically in a cylinder with no projectile, wadding, or wrapping. All other terms, conditions and exclusions remain unchanged. r Authorized Representative SE 1022 02 10 Page 1 of 1 ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company PROFESSIONAL LIABILITY EXCLUSION This endorsement modifies coverage provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM It is agreed that this policy shall not apply to liability arising out of the rendering of or failure to render professional services, or any error or omission, malpractice or mistake of a professional nature committed by or on behalf of the "Insured" in the conduct of any of the "Insured's" business activities. However, this exclusion shall not apply to an insured included under ADDITIONAL INSURED — MEDICAL PERSONNEL Endorsement #SE 1001 02 10 if applicable to this policy. All other terms, conditions and exclusions remain unchanged. AUTHORIZED Representative OR Countersignature (In states where applicable) SE 1032 02 10 Page 1 of 1 THIS ENDORSEMENT EFFECTIVE: 12:01 A.M. Oct 29, 2025 FORMS A PART OF POLICY NO.: U25SE 13623 ISSUED TO: Reef Enviromental Education Foundation, Inc BY: U.S. Specialty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ CAREFULLY. SECURITIES AND FINANCIAL INTEREST EXCLUSION This endorsement modifies insurance under the following: COMMERCIAL LIABILITY COVERAGE PART It is agreed that this insurance does not apply to any "bodily injury" and "property damage" arising out of or by reason of: The purchase, or sale, or offer of sale, or solicitation of any security, debt, bank deposit of financial interest or instrument. Any representative made at any time in relation to the price or value of any security, debt, bank deposit or financial interest or instrument; or Any depreciation or decline in price or value of any security, debt, bank deposit or financial interest or instrument. It is furthermore agreed that we have no obligations to defend or pay for the defense of any claim that may allege any of the foregoing. All other terms and condition remain the same. r Authorized Representative SE 1077 (06 11) THIS ENDORSEMENT EFFECTIVE: 12:01 A.M. Oct 29, 2025 FORMS APART OF POLICY NO.: U25SE13623 ISSUED TO: Reef Enviromental Education Foundation, Inc BY: U.S. Specialty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ CAREFULLY. STUNT EXCLUSION ENDORSEMENT This endorsement modifies insurance under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART In consideration of the premium charged, it is hereby agreed that all stunting activity or any practice or preparation of any such stunt is excluded from all coverage under this policy. "Stunting Activity", means any feat or activity requiring special strength, skill, equipment, device or daring. All other terms and conditions remain the same. Authorized Representative SE 1076 (06 11) ENDORSEMENT This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY, PLEASE READ CAREFULLY TOTAL LEAD EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART This insurance does not apply to any"bodily injury", "property damage", "personal injury", or "advertising injury", or any other loss, cost or expense arising out of the presence, ingestion, inhalation, or absorption of or exposure to lead in any form or products containing lead. r AUTHORIZED REPRESENTATIVE SE 1080 (06 11) ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company COLLAPSE OF TEMPORARY STRUCTURE EXCLUSION ENDORSEMENT This endorsement modifies insurance under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following exclusion is added to Paragraph 2. Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY (SECTION I—COVERAGES): This policy does not apply to any "bodily injury' or "property damage" arising out of the collapse of any temporary grandstand, tent, bleacher, stage and/or any other temporary structure. All other terms, conditions and exclusions of the policy remain unchanged. 171,L- , AUTHORIZED REPRESENTATIVE SE 1011 02 10 Page 1 of 1 Includes copyrighted information of the Insurance Services Offices, Inc.,with its permission. All rights reserved ENDORSEMENT This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ASBESTOS AND SILICA EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM Section I. —COVERAGES, COVERAGE A. — BODILY INJURY and PROPERTY DAMAGE LIABILITY, 2.— Exclusions, is amended to add the following exclusions: Asbestos "Bodily injury" or"property damage" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of, or exposure to asbestos products, asbestos fibers or asbestos dust, or to any obligation of the insured to indemnify any party because of"bodily injury" or"property damage" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of, or exposure to asbestos products, asbestos fibers or asbestos dust. Silica "Bodily injury" or"property damage" or any other loss, cost or expense arising out of the presence, ingestion, inhalation or absorption of or exposure to silica products, silica fibers, silica dust or silica in any form, or to any obligation of the insured to indemnify any party because of"bodily injury" or "property damage" arising out of the presence, ingestion, inhalation or absorption of or exposure to silica products, silica fibers, silica dust or silica in any form. Section I. —COVERAGES, COVERAGE B.— PERSONAL and ADVERTISING INJURY LIABILITY, 2.— Exclusions is amended to add the following exclusions: Asbestos "Personal and Advertising Injury" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of, or exposure to asbestos products, asbestos fibers or asbestos dust, or to any obligation of the insured to indemnify any party because of"personal and advertising injury" arising out of the manufacture of, mining of, use of, sale of, installation of, removal of, distribution of, or exposure to asbestos products, asbestos fibers or asbestos dust. Silica "Personal and Advertising Injury" or any other loss, cost or expense arising out of the presence, ingestion, inhalation or absorption of or exposure to silica products, silica fibers, silica dust or silica in any form, or to any obligation of the insured to indemnify any party because of"personal and advertising injury" arising out of the presence, ingestion, inhalation or absorption of or exposure to silica products, silica fibers, silica dust or silica in any form. All other terms, conditions and exclusions of the policy shall remain unchanged. Authorized Representative SE 1079 (06 11) Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc., with its permission ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company ANIMAL EXCLUSION This endorsement modifies insurance under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM The following exclusion is added to Subparagraph 2., Exclusions of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY (SECTION I COVERAGES): This insurance does not apply to "bodily injury" or"property damage" inflicted by any animal which: (1) typically weighs forty (40) pounds or more at one year of age, or (2) has any history of biting and/or causing "bodily injury" or (3) is an animal known to typically be aggressive. All other terms, conditions and exclusions of the policy remain the same. r _a Authorized Representative SE 1007 02 10 Page 1 of 1 POLICY NUMBER: U25SE13623 IL09851220 THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. THIS ENDORSEMENT DOES NOT GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SCHEDULE SCHEDULE—PART I Terrorism Premium (Certified Acts) $ $7.00 This premium is the total Certified Acts premium attributable to the following Coverage Part(s), Coverage Form(s) and/or Policy(ies): COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART Additional information, if any, concerning the terrorism premium: SCHEDULE—PART II Federal share of terrorism losses 80 % Refer to Paragraph B. in this endorsement. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. IL 09 85 12 20 O Insurance Services Office, Inc., 2020 Page 1 of 2 A. Disclosure Of Premium C. Cap On Insurer Participation In Payment Of In accordance with the federal Terrorism Risk Terrorism Losses Insurance Act, we are required to provide you with If aggregate insured losses attributable to terrorist a notice disclosing the portion of your premium, if acts certified under the Terrorism Risk Insurance any, attributable to coverage for terrorist acts Act exceed $100 billion in a calendar year and we certified under the Terrorism Risk Insurance Act. have met our insurer deductible under the The portion of your premium attributable to such Terrorism Risk Insurance Act, we shall not be coverage is shown in the Schedule of this liable for the payment of any portion of the amount endorsement or in the policy Declarations. of such losses that exceeds $100 billion, and in B. Disclosure Of Federal Participation In Payment such case insured losses up to that amount are Of Terrorism Losses subject to pro rats allocation in accordance with The United States Government, Department of the procedures established by the Secretary of theTreasury. Treasury, will pay a share of terrorism losses insured under the federal program. The federal share equals a percentage (as shown in Part II of the Schedule of this endorsement or in the policy Declarations) of that portion of the amount of such insured losses that exceeds the applicable insurer retention. However, if aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. Page 2 of 2 ©Insurance Services Office, Inc., 2020 IL 09 85 12 20 COMMERCIAL GENERAL LIABILITY CG 21 70 01 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART UNDERGROUND STORAGE TANK POLICY A. If aggregate insured losses attributable to terrorist 2. The act is a violent act or an act that is acts certified under the federal Terrorism Risk dangerous to human life, property or Insurance Act exceed $100 billion in a calendar infrastructure and is committed by an individual year and we have met our insurer deductible or individuals as part of an effort to coerce the under the Terrorism Risk Insurance Act, we shall civilian population of the United States or to not be liable for the payment of any portion of the influence the policy or affect the conduct of the amount of such losses that exceeds $100 billion, United States Government by coercion. and in such case insured losses up to that amount B. The terms and limitations of any terrorism are subject to pro rata allocation in accordance exclusion, or the inapplicability or omission of a with procedures established by the Secretary of terrorism exclusion, do not serve to create the Treasury. coverage for injury or damage that is otherwise "Certified act of terrorism" means an act that is excluded under this Coverage Part. certified by the Secretary of the Treasury, in accordance with the provisions of the federal Terrorism Risk Insurance Act, to be an act of terrorism pursuant to such Act. The criteria contained in the Terrorism Risk Insurance Act for a "certified act of terrorism" include the following: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and CG 21 70 01 15 O Insurance Services Office, Inc., 2015 Page 1 of 1 ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company LIMITED EVENT COVERAGE This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM SCHEDULE TYPE OF EVENT DATE OF EVENT LOCATION LIMITS PREMIUM Paragraph 1. Insuring Agreement of COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY and Paragraph 1. Insuring Agreement of COVERAGE B PERSONAL AND ADVERTISING INJURY LIABILITY are amended to include the following: This insurance applies only to "bodily injury", "property damage" or "personal and advertising injury" arising out of an "occurrence" or offense which takes place during an event shown in the Schedule to this Limited Event Coverage Endorsement (hereinafter the "Schedule"). Notwithstanding the Date of Event shown in the Schedule, those activities that are part of the setup and teardown required for the event are considered part of the event. The following is added to SECTION IV—COMMERCIAL GENERAL LIABILITY CONDITIONS: If any of the events shown in the Schedule are postponed by you, we may amend the Date(s) of Event in the Schedule to the date(s) you tell us. You must promptly notify us in writing of the postponement on or prior to the Date(s) of Event in the Schedule and prior to the revised Date(s)of Event. If any of the events in the Schedule are cancelled by you, we may refund to you the premium for the cancelled events if you cancel the event(s) prior to the scheduled start date(s). You must promptly notify us in writing of the cancellation prior to the scheduled start date(s). All other terms, conditions and exclusions shall remain unchanged. Authorized Signature SE 1024 02 10 Page 1 of 1 This Addendum forms a part of the LIMITED EVENT COVERAGE ENDORSEMENT SE 1024 02 10 part of the Policy No: U25SE13623 Issued To: Reef Enviromental Education Foundation, Inc By: U.S. Specialty Insurance Company SCHEDULE Event Name: 2026 Florida Keys Lionfish Derby & Arts Festival Event Dates: 04/26/2026 - 04/26/2026 Max Daily Attendance: 250 Venue Location: Reef Environmental Education Foundation, Inc Key Largo FL , 33037 Limits & Premium: * Classification: Art & Craft Festival Premium Basis: 250 Advance Premium: 250 ---------------------------------------------------------------------- * Limits & Premium as per Commercial General Liability Coverage Part Declarations SE 1024 02 10 POLICY NUMBER: U25SE13623 COMMERCIAL GENERAL LIABILITY CG 20 11 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - MANAGERS OR LESSORS OF PREMISES This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designation Of Premises (Part Leased To You): As submitted to company and required by written contract. Name Of Person(s) Or Organization(s) (Additional Insured): As submitted to company and required by written contract. Additional Premium: Included Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to 2. If coverage provided to the additional insured include as an additional insured the person(s) or is required by a contract or agreement, the organization(s) shown in the Schedule, but only insurance afforded to such additional insured with respect to liability arising out of the will not be broader than that which you are ownership, maintenance or use of that part of the required by the contract or agreement to premises leased to you and shown in the provide for such additional insured. Schedule and subject to the following additional B. With respect to the insurance afforded to these exclusions: additional insureds, the following is added to This insurance does not apply to: Section III—Limits Of Insurance: 1. Any "occurrence" which takes place after you If coverage provided to the additional insured is cease to be a tenant in that premises. required by a contract or agreement, the most we 2. Structural alterations, new construction or will pay on behalf of the additional insured is the demolition operations performed by or on amount of insurance: behalf of the person(s) or organization(s) 1. Required by the contract or agreement; or shown in the Schedule. 2. Available under the applicable Limits of However: Insurance shown in the Declarations; 1. The insurance afforded to such additional whichever is less. insured only applies to the extent permitted This endorsement shall not increase the by law; and applicable Limits of Insurance shown in the Declarations. CG 20 11 04 13 O Insurance Services Office, Inc., 2012 Page 1 of 1 POLICY NUMBER: U25SE13623 COMMERCIAL GENERAL LIABILITY CG20120413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - STATE OR GOVERNMENTAL AGENCY OR SUBDIVISION OR POLITICAL SUBDIVISION - PERMITS OR AUTHORIZATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE State Or Governmental Agency Or Subdivision Or Political Subdivision: As submitted to company and required by written contract. Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to 2. This insurance does not apply to: include as an additional insured any state or a. "Bodily injury", "property damage" or governmental agency or subdivision or political "personal and advertising injury" arising out subdivision shown in the Schedule, subject to the of operations performed for the federal following provisions: government, state or municipality; or 1. This insurance applies only with respect to b. "Bodily injury" or "property damage" operations performed by you or on your behalf included within the "products-completed for which the state or governmental agency or operations hazard". subdivision or political subdivision has issued a permit or authorization. B. With respect to the insurance afforded to these additional insureds, the following is added to However: Section III—Limits Of Insurance: a. The insurance afforded to such additional If coverage provided to the additional insured is insured only applies to the extent permitted required by a contract or agreement, the most we by law; and will pay on behalf of the additional insured is the b. If coverage provided to the additional amount of insurance: insured is required by a contract or 1. Required by the contract or agreement; or agreement, the insurance afforded to such additional insured will not be broader than 2• Available under the applicable Limits of that which you are required by the contract Insurance shown in the Declarations; or agreement to provide for such additional whichever is less. insured. This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. CG 20 12 04 13 O Insurance Services Office, Inc., 2012 Page 1 of 1 POLICY NUMBER: U25SE13623 COMMERCIAL GENERAL LIABILITY CG 20 26 04 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - DESIGNATED PERSON OR ORGANIZATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Name Of Additional Insured Person(s) Or Organization(s): Monroe County Board of County Commissioners 1100 Simonton St. Key West FL 33040 Information required to complete this Schedule, if not shown above, will be shown in the Declarations. A. Section II — Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured the person(s) or additional insureds, the following is added to organization(s) shown in the Schedule, but only Section III—Limits Of Insurance: with respect to liability for "bodily injury", "property If coverage provided to the additional insured is damage" or personal and advertising injury" required by a contract or agreement, the most we caused, in whole or in part, by your acts or will pay on behalf of the additional insured is the omissions or the acts or omissions of those acting amount of insurance: on your behalf: 1. Required by the contract or agreement; or 1. In the performance of your ongoing operations; or 2. Available under the applicable Limits of 2. In connection with your premises owned by or Insurance shown in the Declarations; rented to you. whichever is less. However: This endorsement shall not increase the 1. The insurance afforded to such additional applicable Limits of Insurance shown in the insured only applies to the extent permitted by Declarations. law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. CG 20 26 04 13 O Insurance Services Office, Inc., 2012 Page 1 of 1 POLICY NUMBER: U25SE13623 COMMERCIAL GENERAL LIABILITY CG DS 03 07 98 LIQUOR LIABILITY DECLARATIONS U.S. Specialty Insurance Company HCC SPECIALTY NAMED INSURED Reef Enviromental Education Foundation, Inc MAILING ADDRESS 98300 Overseas Hwy, Key Largo, FL 33037 POLICY PERIOD: FROM Oct 29, 2025 TO Apr 29, 2026 AT 12:01 A.M. TIME AT YOUR MAILING ADDRESS SHOWN ABOVE IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS POLICY, WE AGREE WITH YOU TO PROVIDE THE INSURANCE AS STATED IN THIS POLICY. LIMITS OF INSURANCE EACH COMMON CAUSE LIMIT $1,0007000.00 AGGREGATE LIMIT $17000,000.00 RETROACTIVE DATE CG 00 34 ONLY THIS INSURANCE DOES NOT APPLY TO " INJURY'WHICH OCCURS BEFORE THE RETROACTIVE DATE, IF ANY, SHOWN BELOW. RETROACTIVE DATE: (ENTER DATE OR"NONE" IF NO RETROACTIVE DATE APPLIES) DESCRIPTION OF BUSINESS FORM OF BUSINESS: ❑ INDIVIDUAL ❑ PARTNERSHIP ❑ JOINT VENTURE ❑ LIMITED LIABILITY COMPANY ❑ ORGANIZATION, INCLUDING A CORPORATION (BUT NOT IN- CLUDING A PARTNERSHIP, JOINT VENTURE OR LIMITED LIABILITY COMPANY) BUSINESS DESCRIPTION: 2026 Florida Keys Lionfish Derby&Arts Festival to be held 04/26/2026 at Reef Environmental Education Foundation, Inc, Key Largo, FL 33037 CG DS 03 07 98 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 2 ❑ ALL PREMISES YOU OWN, RENT OR OCCUPY LOCATION NUMBER ADDRESS OF ALL PREMISES YOU OWN, RENT OR OCCUPY Reef Environmental Education Foundation, Inc/ 98300 Overseas Hwy Key Largo, FL 33037 CLASSIFICATION AND PREMIUM CLASSIFICATION CODE PREMIUM RATE ADVANCE PREMIUM NO. BASE Liquor Liability Receipts 1$24.65 $250.00 STATE TAX OR OTHER(if applicable) TOTAL PREMIUM (SUBJECT TO AU- DIT) $250.00 PREMIUM SHOWN IS PAYABLE: AT INCEPTION $253.00 AT EACH ANNIVERSARY (IF POLICY PERIOD IS MORE THAN ONE YEAR AND PREMI- UM IS PAID IN ANNUAL INSTALLMENTS) AUDIT PERIOD (IF APPLICABLE) ❑ ANNUALLY ❑ SEMI- ❑ QUARTERLY ❑ MONTHLY ANNUALLY ENDORSEMENTS ENDORSEMENTS ATTACHED TO THIS POLICY: THESE DECLARATIONS, TOGETHER WITH THE COMMON POLICY CONDITIONS AND COVERAGE FORM(S)AND ANY ENDORSEMENT(S), COMPLETE THE ABOVE NUMBERED POLICY. Countersigned: By: Y Oct 29, 2025 q (Date) (Authorized Representative) NOTE OFFICERS' FACSIMILE SIGNATURES MAY BE INSERTED HERE, ON THE POLICY COVER OR ELSEWHERE AT THE COMPANY'S OPTION. Page 2 of 2 Copyright, Insurance Services Office, Inc., 1998 CG DS 03 07 98 ❑ COMMERCIAL GENERAL LIABILITY CG 00 33 04 13 LIQUOR LIABILITY COVERAGE FORM Various provisions in this policy restrict coverage. (2) Prior to the policy period, no insured listed Read the entire policy carefully to determine rights, under Paragraph 1. of Section II — Who Is duties and what is and is not covered. An Insured and no "employee" authorized Throughout this policy the words "you" and "your" ,by you to give or receive notice of an refer to the Named Insured shown in the Declarations, injury or claim, knew that the injury had and any other person or organization qualifying as a occurred, in whole or in part. If such,a listed Named Insured under this policy. The words "we", insured or authorized employee „knew„ "us" and "our" refer to the company providing this prior to the policy period, that the i njury insurance. occurred, then any continuation, change or ,,i resumption of such "injury" during or after The word "insured" means any person or organization the policy period will be deemed to have qualifying as such under Section II — Who Is An been known prior to the policy period. Insured. c. "Injury" which occurs during the policy period Other words and phrases that appear in quotation and was not, prior to the policy period, known marks have special meaning. Refer to Section V — to have occurred by any insured listed under Definitions. Paragraph 1. of Section II —Who Is An Insured SECTION I— LIQUOR LIABILITY COVERAGE or any "employee" authorized by you to give or 1. Insuring Agreement receive notice of an "injury" or claim, includes any continuation, change or resumption of that a. We will pay those sums that the insured "injury" after the end of the policy period. becomes legally obligated to pay as damages d. "Injury" will be deemed to have been known to because of "injury" to which this insurance have occurred at the earliest time when any applies if liability for such "injury" is imposed on the insured by reason of the selling, serving or insured listed under Paragraph 1. of Section II — Who Is An Insured or any employee ll furnishing of any alcoholic beverage. We will have the right and duty to defend the insured authorized by you to give or receive notice of against any "suit" seeking those damages. an injury or claim: However, we will have no duty to defend the (1) Reports all, or any part, of the "injury" to us insured against any "suit" seeking damages for or any other insurer; "injury" to which this insurance does not apply. (2) Receives a written or verbal demand or We may, at our discretion, investigate any claim for damages because of the "injury"; "injury" and settle any claim or "suit" that may or result. But: (3) Becomes aware by any other means that (1) The amount we will pay for damages is "injury" has occurred or has begun to occur. limited as described in Section III — Limits Of Insurance; and 2. Exclusions (2) Our right and duty to defend ends when we This insurance does not apply to: have used up the applicable limit of a. Expected Or Intended Injury insurance in the payment of judgments or "Injury" expected or intended from the settlements. standpoint of the insured. This exclusion does No other obligation or liability to pay sums or not apply to "bodily injury" resulting from the perform acts or services is covered unless use of reasonable force to protect persons or explicitly provided for under Supplementary property. Payments. b. Workers' Compensation And Similar Laws b. This insurance applies to "injury" only if: Any obligation of the insured under a workers' (1) The "injury" occurs during the policy period compensation, disability benefits or in the "coverage territory"; and unemployment compensation law or any similar law. CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 6 c. Employer's Liability (3) Insurrection, rebellion, revolution, usurped "Bodily injury" to: power, or action taken by governmental „ (1) An employee authority in hindering or defending against of the insured arising out of any of these. and in the course of: SUPPLEMENTARY PAYMENTS (a) Employment by the insured; or We will pay, with respect to any claim we investigate (b) Performing duties related to the conduct or settle, or any"suit" against an insured we defend: of the insured's business; or 1. All expenses we incur. (2) The spouse, child, parent, brother or sister of that employee as a consequence of 2. The cost of bonds to release attachments, but only Paragraph (1) above. for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. This exclusion applies whether the insured may be liable as an employer or in any other 3. All reasonable expenses incurred by the insured at capacity and to any obligation to share our request to assist us in the investigation or damages with or repay someone else who defense of the claim or " "suit , including actual loss must pay damages because of the "injury". of earnings up to $250 a day because of time off from work. d. Liquor License Not In Effect 4. All court costs taxed against the insured in the "Injury" arising out of any alcoholic beverage "suit". However, these payments do not include sold, served or furnished while any required attorneys' fees or attorneys' expenses taxed license is not in effect. against the insured. e. Your Product 5. Prejudgment interest awarded against the insured "Injury" arising out of "your product". This on that part of the judgment we pay. If we make an exclusion does not apply to "injury" for which offer to pay the applicable limit of insurance, we the insured or the insured's indemnitees may will not pay any prejudgment interest based on be held liable by reason of: that period of time after the offer. (1) Causing or contributing to the intoxication of 6. All interest on the full amount of any judgment that any person; accrues after entry of the judgment and before we (2) The furnishing of alcoholic beverages to a have paid, offered to pay, or deposited in court the person under the legal drinking age or part of the judgment that is within the applicable under the influence of alcohol; or limit of insurance. (3) Any statute, ordinance or regulation relating 7. Expenses incurred by the insured for first aid to the sale, gift, distribution or use of administered to others at the time of an event to alcoholic beverages. which this insurance applies. f. Other Insurance These payments will not reduce the limits of insurance. Any "injury" with respect to which other SECTION II—WHO IS AN INSURED insurance is afforded, or would be afforded but for the exhaustion of the limits of insurance. 1. If you are designated in the Declarations as: This exclusion does not apply if the other a. An individual, you and your spouse are insurance responds to liability for "injury" insureds. imposed on the insured by reason of the b. A partnership or joint venture, you are an selling, serving or furnishing of any alcoholic insured. Your members, your partners, and beverage. their spouses are also insureds, but only with g. War respect to the conduct of your business. "Injury", however caused, arising, directly or c. A limited liability company, you are an insured. indirectly, out of: Your members are also insureds, but only with (1) War, including undeclared or civil war; respect to the conduct of your business. Your managers are insureds, but only with respect (2) Warlike action by a military force, including to their duties as your managers. action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or Page 2 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13 d. An organization other than a partnership, joint c. Your legal representative if you die, but only venture or limited liability company, you are an with respect to duties as such. That insured. Your "executive officers" and directors representative will have all your rights and are insureds, but only with respect to their duties under this Coverage Part. duties as your officers or directors. Your 3. Any organization you newly acquire or form, other stockholders are also insureds, but only with than a partnership, joint venture or limited liability respect to their liability as stockholders. company, and over which you maintain ownership e. A trust, you are an insured. Your trustees are or majority interest, will qualify as a Named also insureds, but only with respect to their Insured if there is no other similar insurance duties as trustees. available to that organization. However: 2. Each of the following is also an insured: a. Coverage under this provision is afforded only a. Your "employees", other than either your until the 90th day after you acquire or form the "executive officers" (if you are an organization organization or the end of the policy period, other than a partnership,joint venture or limited whichever is earlier, and liability company) or your managers (if you are b. Coverage does not apply to "injury" that a limited liability company), but only for acts occurred before you acquired or formed the within the scope of their employment by you or organization. while performing duties related to the conduct No person or organization is an insured with respect of your business. However, none of these to the conduct of any current or past partnership, joint employees is an insured for. venture or limited liability company that is not shown (1) "Injury": as a Named Insured in the Declarations. (a) To you, to your partners or members (if SECTION III — LIMITS OF INSURANCE you are a partnership or joint venture), 1. The Limits of Insurance shown in the Declarations to your members (if you are a limited and the rules below fix the most we will pay liability company), or to a co-flemployeell regardless of the number of: while that co-"employee" is either in the course of his or her employment or a. Insureds; performing duties related to the conduct b. Claims made or"suits" brought; or of your business; c. Persons or organizations making claims or (b) To the spouse, child, parent, brother or bringing "suits". sister of that co-"employee" as a 2. The Aggregate Limit is the most we will pay for all consequence of Paragraph (a) above; or "injury" as the result of the selling, serving or (c) For which there is any obligation to furnishing of alcoholic beverages. share damages with or repay someone 3. Subject to the Aggregate Limit, the Each Common else who must pay damages because of Cause Limit is the most we will pay for all "injury" the injury described in Paragraph (a) or sustained by one or more persons or (b) above. organizations as the result of the selling, serving (2) "Property damage" to property: or furnishing of any alcoholic beverage to any one (a) Owned or occupied by; or person. (b) Rented or loaned; The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to to that "employee", any of your other any remaining period of less than 12 months, starting employees , by any of your partners or with the beginning of the policy period shown in the members (if you are a partnership or joint Declarations, unless the policy period is extended venture), or by any of your members (if you after issuance for an additional period of less than 12 are a limited liability company). months. In that case, the additional period will be b. Any person or organization having proper deemed part of the last preceding period for purposes temporary custody of your property if you die, of determining the Limits of Insurance. but only: SECTION IV— LIQUOR LIABILITY CONDITIONS (1) With respect to liability arising out of the 1. Bankruptcy maintenance or use of that property; and Bankruptcy or insolvency of the insured or of the (2) Until your legal representative has been insured's estate will not relieve us of our appointed. obligations under this Coverage Part. CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 3 of 6 2. Duties In The Event Of Injury, Claim Or Suit A person or organization may sue us to recover on a. You must see to it that we are notified as soon an agreed settlement or on a final judgment as practicable of an "injury" which may result in against an insured; but we will not be liable for a claim. To the extent possible, notice should damages that are not payable under the terms of include: this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement (1) How, when and where the ,,injury took means a settlement and release of liability signed place; by us, the insured and the claimant or the (2) The names and addresses of any injured claimant's legal representative. persons and witnesses; and 4. Other Insurance (3) The nature and location of any"injury". If other valid and collectible insurance is available b. If a claim is made or "suit" is brought against to the insured for a loss we cover under this any insured, you must: Coverage Part, our obligations are limited as (1) Immediately record the specifics of the follows: claim or"suit" and the date received; and a. Primary Insurance (2) Notify us as soon as practicable. This insurance is primary. Our obligations are You must see to it that we receive written not affected unless any of the other insurance notice of the claim or "suit" as soon as is also primary. Then, we will share with all that practicable. other insurance by the method described in b. below. c. You and any other involved insured must: b. Method Of Sharing (1) Immediately send us copies of any If all of the other insurance permits contribution demands, notices, summonses or legal papers received in connection with the by equal shares, we will follow this method claim or"suit"; also. Under this approach each insurer contributes equal amounts until it has paid its (2) Authorize us to obtain records and other applicable limit of insurance or none of the loss information; remains, whichever comes first. (3) Cooperate with us in the investigation or If any of the other insurance does not permit settlement of the claim or defense against contribution by equal shares, we will contribute the "suit"; and by limits. Under this method, each insurer's (4) Assist us, upon our request, in the share is based on the ratio of its applicable enforcement of any right against any limit of insurance to the total applicable limits of person or organization which may be liable insurance of all insurers. to the insured because of "injury" to which 5. Premium Audit this insurance may also apply. a. We will compute all premiums for this d. No insured will, except at that insured's own Coverage Part in accordance with our rules cost, voluntarily make a payment, assume any and rates. obligation, or incur any expense, other than for b. Premium shown in this Coverage Part as first aid, without our consent. g advance premium is a deposit premium only. 3. Legal Action Against Us At the close of each audit period we will No person or organization has a right under this compute the earned premium for that period Coverage Part: and send notice to the first Named Insured. a. To join us as a art or otherwise bring us into The due date for audit and retrospective "suit". „ party g premiums is the date shown as the due date a suit asking for damages from an insured; or on the bill. If the sum of the advance and audit b. To sue us on this Coverage Part unless all of premiums paid for the policy period is greater its terms have been fully complied with. than the earned premium, we will return the excess to the first Named Insured. Page 4 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13 c. The first Named Insured must keep records of c. All other parts of the world if the "injury" arises the information we need for premium out of: computation, and send us copies at such times (1) Goods or products made or sold by you in as we may request. the territory described in Paragraph a. 6. Representations above; or By accepting this policy, you agree: (2) The activities of a person whose home is in a. The statements in the Declarations are the territory described in Paragraph a. accurate and complete; above, but is away for a short time on your b. Those statements are based upon business; representations you made to us; and provided the insured's responsibility to pay damages is determined in a "suit" on the c. We have issued this policy in reliance upon merits, in the territory described in Paragraph your representations. a. above or in a settlement we agree to. 7. Separation Of Insureds 3. "Employee" includes a "leased worker". Except with respect to the Limits of Insurance, and "Employee" does not include a "temporary any rights or duties specifically assigned in this worker". Coverage Part to the first Named Insured, this 4. "Executive officer" means a person holding any of insurance applies: the officer positions created by your charter, a. As if each Named Insured were the only constitution, bylaws or any other similar governing Named Insured; and document. b. Separately to each insured against whom claim 5. "Injury" means damages because of"bodily injury" is made or"suit" is brought. and "property damage", including damages for 8. Transfer Of Rights Of Recovery Against Others care, loss of services or loss of support. To Us 6. "Leased worker" means a person leased to you by If the insured has rights to recover all or part of a labor leasing firm under an agreement between any payment we have made under this Coverage you and the labor leasing firm, to perform duties Part, those rights are transferred to us. The related„to the conduct of your business. Leased insured must do nothing after loss to impair them. worker does not include a temporary worker". At our request, the insured will bring "suit" or 7. "Property damage" means: transfer those rights to us and help us enforce a. Physical injury to tangible property, including them. all resulting loss of use of that property. All 9. When We Do Not Renew such loss of use shall be deemed to occur at If we decide not to renew this Coverage Part, we the time of the physical injury that caused it; or will mail or deliver to the first Named Insured b. Loss of use of tangible property that is not shown in the Declarations written notice of the physically injured. All such loss of use shall be nonrenewal not less than 30 days before the deemed to occur at the time of the occurrence expiration date. that caused it. If notice is mailed, proof of mailing will be sufficient 8. "Suit" means a civil proceeding in which damages proof of notice. because of "injury" to which this insurance applies SECTION V— DEFINITIONS are alleged. "Suit" includes: 1. "Bodily injury" means bodily injury, sickness or a. An arbitration proceeding in which such disease sustained by a person, including death damages are claimed and to which the insured resulting from any of these at any time. must submit or does submit with our consent; or 2. "Coverage territory" means: b. Any other alternative dispute resolution a. The United States of America (including its proceeding in which such damages are territories and possessions), Puerto Rico and claimed and to which the insured submits with Canada; our consent. b. International waters or airspace, but only if the 9. "Temporary worker" means a person who is "injury" occurs in the course of travel or furnished to you to substitute for a permanent transportation between any places included in "employee" on leave or to meet seasonal or short- Paragraph a. above; or term workload conditions. CG 00 33 04 13 © Insurance Services Office, Inc., 2012 Page 5 of 6 10."Your product": b. Includes: a. Means: (1) Warranties or representations made at any (1) Any goods or products, other than real time with respect to the fitness, quality, property, manufactured, sold, handled, durability, performance or use of "your distributed or disposed of by: product"; and (a) You; (2) The providing of or failure to provide warnings or instructions. b Others tradingunder our name; or g . ( ) y c. Does not include vending machines or other c A person or organization ization whose g ( ) p g property rented to or located for the use of business or assets you have acquired; others but not sold. and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. Page 6 of 6 © Insurance Services Office, Inc., 2012 CG 00 33 04 13 ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement, effective 12:01 a.m. Oct 29, 2025 forms a part of Policy No. U25SE13623 Issued to Reef Enviromental Education Foundation, Inc By U.S. Specialty Insurance Company AMENDMENT OF THE POLICY PERIOD This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is hereby agreed and understood that the Policy Period as shown on the Declarations Page of this policy is amended to read as follows: From Oct 29, 2025 To Apr 29, 2026 at 12:01 A.M. standard time at the mailing address of the Named Insured. It is further agreed and understood that coverage under this policy does not apply to any loss that occurred prior to the Policy Period as stated above. All other terms and conditions remain unchanged. Authorized Representative SE 1070 06 10 Page 1 of 1 Includes copyrighted information of the Insurance Services Offices, Inc.,with its permission. All rights reserved IL P 001 01 04 U.S. TREASURY DEPARTMENT'S OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by OFAC. Please read this Notice carefully. The Office of Foreign Assets Control (OFAC) administers and enforces sanctions policy, based on Presidential declarations of"national emergency". OFAC has identified and listed numerous: • Foreign agents; • Front organizations; • Terrorists; • Terrorist organizations; and • Narcotics traffickers; as "Specially Designated Nationals and Blocked Persons". This list can be located on the United States Treas- ury's web site—http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is a Specially Designated National and Blocked Person, as identified by OFAC, this insurance will be considered a blocked or frozen contract and all provisions of this insurance are immediately subject to OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Other limitations on the premiums and payments also apply. IL P 001 01 04 O ISO Properties, Inc., 2004 Page 1 of 1 COMMERCIAL GENERAL LIABILITY CG 21 53 01 96 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - DESIGNATED ONGOING OPERATIONS This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Description of Designated Ongoing Operation(s): Any and all health screenings, medical examinations, vaccinations and/or testing Specified Location (If Applicable): (If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.) The following exclusion is added to paragraph 2., Unless a "location" is specified in the Schedule, this Exclusions of COVERAGE A — BODILY INJURY exclusion applies regardless of where such opera- AND PROPERTY DAMAGE LIABILITY (Section I— tions are conducted by you or on your behalf. If a Coverages): specific "location" is designated in the Schedule of This insurance does not apply to "bodily injury" or this endorsement, this exclusion applies only to the "property damage" arising out of the ongoing opera- described ongoing operations conducted at that tions described in the Schedule of this endorsement, "location". regardless of whether such operations are conducted For the purpose of this endorsement, "location" by you or on your behalf or whether the operations means premises involving the same or connecting are conducted for yourself or for others. lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. CG 21 53 01 96 Copyright, Insurance Services Office, Inc., 1994 Page 1 of 1 ❑ COMMERCIAL GENERAL LIABILITY CG 21 32 05 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMUNICABLE DISEASE EXCLUSION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. The following exclusion is added to Paragraph 2. B. The following exclusion is added to Paragraph 2. Exclusions of Section I — Coverage A — Bodily Exclusions of Section I — Coverage B — Per- InjuryAnd Property Damage Liability: sonal And Advertising Injury Liability: 2. Exclusions 2. Exclusions This insurance does not apply to: This insurance does not apply to: Communicable Disease Communicable Disease "Bodily injury" or "property damage" arising out "Personal and advertising injury" arising out of of the actual or alleged transmission of a com- the actual or alleged transmission of a commu- municable disease. nicable disease. This exclusion applies even if the claims This exclusion applies even if the claims against any insured allege negligence or other against any insured allege negligence or other wrongdoing in the: wrongdoing in the: a. Supervising, hiring, employing, training or a. Supervising, hiring, employing, training or monitoring of others that may be infected monitoring of others that may be infected with and spread a communicable disease; with and spread a communicable disease; b. Testing for a communicable disease; b. Testing for a communicable disease; c. Failure to prevent the spread of the dis- c. Failure to prevent the spread of the dis- ease; or ease; or d. Failure to report the disease to authorities. d. Failure to report the disease to authorities. CG 21 32 05 09 O Insurance Services Office, Inc., 2008 Page 1 of 1 0 COMMERCIAL GENERAL LIABILITY CG 21 09 06 15 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION - UNMANNED AIRCRAFT This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Exclusion 2.g. Aircraft, Auto Or Watercraft under This Paragraph g.(2) applies even if the Section I — Coverage A — Bodily Injury And claims against any insured allege Property Damage Liability is replaced by the negligence or other wrongdoing in the following: supervision, hiring, employment, training 2. Exclusions or monitoring of others by that insured, if the occurrence which caused the This insurance does not apply to: "bodily injury" or "property damage" g. Aircraft, Auto Or Watercraft involved the ownership, maintenance, (1) Unmanned Aircraft use or entrustment to others of any aircraft (other than unmanned aircraft ), "Bodily injury" or "property damage" "auto" or watercraft that is owned or arising out of the ownership, operated by or rented or loaned to any maintenance, use or entrustment to insured. ,others of any aircraft that is an This Para . 2 does not apply to: unmanned aircraft . Use includes Paragraph g ( ) pp y operation and "loading or unloading". (a) A watercraft while ashore on This Paragraph g.(1) applies even if the premises you own or rent; claims against any insured allege (b) A watercraft you do not own that is: negligence or other wrongdoing in the (i) Less than 26 feet long; and supervision, hiring, employment, training Not being persons or monitoring of others by that insured, if (ii) g used to carry the "occurrence" which caused the or property for a charge; "bodily injury" or "property damage" (c) Parking an "auto" on, or on the ways involved the ownership, maintenance, next to, premises you own or rent, use or entrustment to others of any provided the "auto" is not owned by aircraft that is an If aircraft". or rented or loaned to you or the (2) Aircraft(Other Than Unmanned insured; Aircraft), Auto Or Watercraft (d) Liability assumed under any "insured "Bodily injury" or "property damage" contract" for the ownership, arising out of the ownership, maintenance or use of aircraft or maintenance, use or entrustment to watercraft; or others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and "loading or unloading". CG 21 09 06 15 © Insurance Services Office, Inc., 2014 Page 1 of 2 (e) "Bodily injury" or "property damage" This exclusion applies even if the claims arising out of: against any insured allege negligence or other (i) The operation of machinery or wrongdoing in the supervision, hiring, equipment that is attached to, or employment, training or monitoring of others by part of, a land vehicle that would that insured, if the offense which caused the qualify under the definition of personal and advertising injury involved the "mobile equipment" if it were not ownership, maintenance, use or entrustment to subject to a compulsory or others If any aircraft that is an "unmanned financial responsibility law or aircraft . other motor vehicle insurance law This exclusion does not apply to: where it is licensed or principally a. The use of another's advertising idea in garaged; or your"advertisement"; or (ii) The operation of any of the b. Infringing upon another's copyright, trade machinery or equipment listed in dress or slogan in your"advertisement". Paragraph f.(2) or f.(3) of the definition of"mobile equipment" C. The following definition is added to the Definitions . B. The following exclusion is added to Paragraph 2. section: Exclusions of Coverage B — Personal And "Unmanned aircraft" means an aircraft that is not: Advertising Injury Liability: 1. Designed; 2. Exclusions 2. Manufactured; or This insurance does not apply to: 3. Modified after manufacture; Unmanned Aircraft to be controlled directly by a person from within or "Personal and advertising injury" arising out of on the aircraft. the ownership, maintenance, use or entrustment to others of any aircraft that is an if aircraft". Use includes operation and "loading or unloading". Page 2 of 2 © Insurance Services Office, Inc., 2014 CG 21 09 06 15 COMMERCIAL GENERAL LIABILITY CG 02 20 03 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLORIDA CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART ELECTRONIC DATA LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCT WITHDRAWAL COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraph 2. of the Cancellation Common Policy (2) The policy was obtained by a material Condition is replaced by the following: misstatement; 2. Cancellation Of Policies In Effect (3) Failure to comply with underwriting a. For 90 Days Or Less requirements established by the insurer If this policy has been in effect for 90 days within 90 days of the effective date ofcoverage; or less, we may cancel this policy by mailing or delivering to the first Named (4) A substantial change in the risk covered Insured written notice of cancellation, by the policy; or accompanied by the reasons for (5) The cancellation is for all insureds under cancellation, at least: such policies for a given class of (1) 10 days before the effective date of insureds. cancellation if we cancel for If we cancel this policy for any of these nonpayment of premium; or reasons, we will mail or deliver to the first (2) 20 days before the effective date of Named Insured written notice of cancellation if we cancel for any other cancellation, accompanied by the reasons reason, except we may cancel for cancellation, at least: immediately if there has been: (a) 10 days before the effective date of (a) A material misstatement or cancellation if we cancel for misrepresentation; or nonpayment of premium; or (b) A failure to comply with the (b) 45 days before the effective date of underwriting requirements cancellation if we cancel for any of established by the insurer. the other reasons stated in b. For More Than 90 Days Paragraph 2.b. B. Paragraph 3. of the Cancellation Common Policy If this policy has been in effect for more Condition is replaced by the following: than 90 days, we may cancel this policy only for one or more of the following 3. We will mail or deliver our notice to the first reasons: Named Insured at the last mailing address known to us. (1) Nonpayment of premium; CG 02 20 03 12 O Insurance Services Office, Inc., 2011 Page 1 of 2 C. Paragraph 5. of the Cancellation Common Policy The cancellation will be effective even if we Condition is replaced by the following: have not made or offered a refund. 5. If this policy is cancelled, we will send the first D. The following is added and supersedes any other Named Insured any premium refund due. If we provision to the contrary: cancel, the refund will be pro rata. If the first Nonrenewal Named Insured cancels, the refund may be less than pro rats. If the return premium is not 1. If we decide not to renew this policy, we will refunded with the notice of cancellation or mail or deliver to the first Named Insured when this policy is returned to us, we will mail written notice of nonrenewal, accompanied by the refund within 15 working days after the the reason for nonrenewal, at least 45 days date cancellation takes effect, unless this is an prior to the expiration of this policy. audit policy. 2. Any notice of nonrenewal will be mailed or If this is an audit policy, then, subject to your delivered to the first Named Insured at the last full cooperation with us or our agent in securing mailing address known to us. If notice is the necessary data for audit, we will return any mailed, proof of mailing will be sufficient proof premium refund due within 90 days of the date of notice. cancellation takes effect. If our audit is not completed within this time limitation, then we shall accept your own audit, and any premium refund due shall be mailed within 10 working days of receipt of your audit. Page 2 of 2 © Insurance Services Office, Inc., 2011 CG 02 20 03 12 m�oe!N rvi l�v�: 1r. 0 lr� a �H. �m 9 mvJ�aim %nbs' N,. s� ,N a 01 ■ czi m " 111 l rwa91 At""Dyy Ln 00 mAul,lU° r �y OOM► Ln CI v ON m l ��f%(f yfm�i'�� 'Al`�ilW�`r^° J 'w MVx u L V� r XIIIJ �d r, D CL u,r 11 D 0. rrrrrrroiiiiiiiiiiii ( �l�'"`/ L�i m alll{✓fir rrrrrrrrrrrp,,,, ffj�rr"�� �i ui CD 1f ,�f� rrrrrpgl � /p�X�� Irrrrrrrrrrrrroi, "9V"�''�„;r b ui lli!A clom �� 1, firm I l l��i�Jl J'Ol 0 i I AA Au, AN N-1 l l,f I II r � a W, w U) "S n Vliouul mwowv�� u w P fly ivwiwivl�uivaN� �mrl^ mum m ru l�f�PJfY'm Lr vd'n X u�?' IpIry u ( an �1„ ,� 11f9;9 V VAN �rl m o/ N