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HomeMy WebLinkAboutPacific Clinics Insurance FY 2023-2024 (2).pdf From: HR-Risk Contracts To: Chung,Huong; HR-Risk Contracts Cc: Robinson,Rebecca;Aguirre.Elizabeth Subject: RE:Certificate of Insurance-Pacific Clinics-Central Region Date: Monday,August 14,2023 10:00:05 AM Attachments: imacie001.wq Hi Huong, This is acceptable at this time. Please add the corrected COI and any related documentation where there were no requests for changes to E-contracts in one pdf file with this acceptance email as the first page.Additionally, please include the email where the vendor stated the line you quoted from them below. Please include the contract number (s) in the COI description. Sincerely, Chris Woods I Human Resources Analyst- Risk Management County of Fresno, Department of Human Resources • 2220 Tulare St., 16th Floor, Fresno, CA 93721 Direct: (559) 600-1788 Main: (559) 600-1850 Stop#188 From:Chung, Huong<hchung@fresnocountyca.gov> Sent:Thursday,August 10, 2023 4:42 PM To: HR-Risk Contracts<HRRiskContracts@fresnocountyca.gov> Cc: Robinson, Rebecca<rrobinson@fresnocountyca.gov>;Aguirre, Elizabeth <eaguirre@fresnocountyca.gov> Subject: RE: Certificate of Insurance- Pacific Clinics-Central Region Good afternoon, I have come with another development. I am not an adept in insurance language so I would like your assistance. We received this from the vendor today with the message, "We have continued to work with our brokers to address the issue of occurrence-based coverage to allow compliance with our three current contracts. Through our current carrier, we have been able to obtain a "Contract Specific Occurrence General Liability Endorsement which will apply to our three current county contracts requiring occurrence based coverage, and others who may require occurrence based CGL." Did this help with their issue? Did it not? I re-attached the other email chain (for history) and re-attached the contracts. Thank you, Huong Chung From: Kim Wells To: Chung,Huono;Kelly Connell; Marilyn Slinev Cc: Robinson.Rebecca;Aguirre,Elizabeth Subject: RE:Certificate of Insurance-Pacific Clinics-Central Region Date: Thursday,August 10,2023 4:29:10 PM Attachments: imaae011.ona imaae011ma imaae014.ona image015.ona imaaeMxna image017.ona imaae018.ona imaae019.ona imaae020.ona imaae021.ona imaae022.ona E12752032019 Contract Soecific Occurrence General Liability Endorsement.odf Good afternoon- We have continued to work with our brokers to address the issue of occurrence-based coverage to allow compliance with our three current contracts. Through our current carrier, we have been able to obtain a "Contract Specific Occurrence General Liability Endorsement which will apply to our three current county contracts requiring occurrence based coverage, and others who may require occurrence based CGL. Please see attached. If these need to be issued specific to contract or with county as additional insured, please advise. Thank you. (Xdn Kim M.Wells(She/Her/Hers) Chief Legal Officer Telephone: 916.388.6327 Pacific Clinics From: Chung, Huong<hchung@fresnocountyca.gov> Sent: Wednesday,July 19, 2023 8:53 AM To:Josh Fagin <JoshF@HeffINS.COm>; Kim Wells<kim.wells@pacificclinics.org>; Kelly Connell <kelly.connell@pacificclinics.org>; Marilyn Sliney<marilyn.sliney@pacificclinics.org> Cc: Robinson, Rebecca <rrobinson@fresnocountyca.gov>; Aguirre, Elizabeth <eaguirre@fresnocountyca.gov>; Cheryl Shaeffer<Cheryls@heffins.com> Subject: RE: Certificate of Insurance - Pacific Clinics-Central Region Hi Josh, Thank you for the letters. Again, without the coverage the organization remains at a non-compliant status for the three contracts. For that reason, we are encouraging to search for a carrier who will A� CERTIFICATE OF LIABILITY INSURANCE DATE(MM/RDIYYYY) 6/30/2023 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 poticy(les)must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED,subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CNAME:ONTAC (SM)Heffernan Insurance Brokers PHONE 650-842-5200 FAX No:65D-842-5201 1820 Gateway Drive, Suite 330 E-MAIL San Mateo CA 94404 ADD RE Ss' INSURER(S)AFFORDING COVERAGE NAIL# LicenseM 056 249 INSURER A:Beazley Insurance Company,Inc. 37540 INSURED FAMIINC-01 INSURER a:Almerlea Financial Benefit insurance Company 41840 Pacific Clinics INSURER C:Accredited Specialty Insurance Company 16835 251 Llewellyn Ave., Campbell, CA 95008 800 S. Santa Anita Ave.,Arcadia, CA 91006 INSURER D:Safety National Casualty Corporation 15105 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER:2086640559 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, ILTR TYPE OF INSURANCE ADOL UBR]man WVD POLICY NUMBER MWDDY EFF POLICY M DDmYY LIMITS A X COMMERCIAL GENERAL LIABILITY Y Y W21FDE230601 3/1/2023 3/1/2024 EACH OCCURRENCE $1,000,000 X DAMAGE T RENT CLAIMS-MADE OCCUR PREMISES Ea occurrence $100,000 X Prof:Clms Made MED EXP(Any one arson) $5,000 i X Retro DaloW/18 PERSONAL&ADV INJURY $1,000,000 I M'OTHFR: LAGGREGATELIMITAPPLIESPER: GENERALAGGREGATE $3,000,000 PRO•POLICY JECT LOC PRODUCTS-COMPIOPAGG $1,000,ODD SEXUAL MISCONDUCT $Included 0 AUTOMOBILE LIABILITY AWF987096110 3/1/2023 3/1/2024 COMBINED SINGLE IMIT $1,000,000 Ea accident X ANY AUTO BODILY INJURY(Per person) $ OWNED SCHEDULED BODILY INJURY(Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ X AUTOS ONLY X AUTOS ONLY Per accident I A UMaRELLALIAB OCCUR W2A78D230401 311/2023 3/112024 EACH OCCURRENCE $2,000,000 I X EXCESS LIAB X CLAIMS-MADE AGGREGATE $2,000,000 DED X RETENTION$n $ D WORKERS COMPENSATION Y 0151210322 1/1/2023 1/1/2024 X STATUTE ERH AND EMPLOYERS'LIABILITY ANYPROPRIETORlPARTNER/EXECUTIVE — N/A E.L.EACH ACCIDENT $1,000,000 OFFICER/MEMBEREXCLUDED9 (Mandatory in N") E.L.DISEASE-EA EMPLOYEE $1,000,000 i If yes,describe under DESCRIPTION OF OPERATIONS below IE.L.DISEASE-POLICY LIMIT $1,000,000 a C Cyber/Multimedia Liability 2CIACA17SO10576301 3/1/2023 3/1/2024 $3M Occurrence $3M Aggregate I A D&O W21FBD230601 3/1/2023 311/2024 D&O Limit$5,000,000 D&O Ded.$100,000 EPLI EPLI Limit$6,000,000 EPLI Ded.$250,000 1 DESCRIPTION OF OPERATIONS 1 LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space Is required) Excess Liability Policy(T84281230AHL)-StarStone Specialty Insurance Company-Eff.51512023,Exp.3/1/2024-Limit$4M excess$2M Excess Liability Policy 2A78D230401)-Beazley Insurance Company,Inc.-Eff,3/112023,Exp.3/1/2024-Limit$2M excess$6M Excess Liability Policy PWHC0000031440)-Vantage Risk Specialty Insurance Company-Eff.31112023,Exp.311/2024-Limit$2M excess$8M Volunteer Accident Policy(SRG0009105878C)-National Union Fire Insurance Company of Pittsburgh,PA-Eff.311/2023,Exp.3/1/2024-Limit:$60,000; Deductible:$50 Sexual Misconduct and Professional Liability coverages are included under the General Liability Policy(W21 FDE230601). Re:A-23-282 Child Welfare Mental Health,A-23-280 ACT and A-23-276 BBFF.County of Fresno,its officers,agents,employees,and volunteers,individually See Attached... CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. County of Fresno 2220 Tulare Street, 16th Floor AUTHORIZED REPRESENTATIVE Fresno, CA 93721 / ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25(2016103) The ACORD name and logo are registered marks of ACORD AGENCY CUSTOMER ID: FAMIINC-01 _ LOC#: AC"R"� ADDITIONAL REMARKS SCHEDULE Page 1 of 1 AGENCY NAMED INSURED (SM)Heffernan Insurance Brokers Pacific Clinics 251 Llewellyn Ave.,Campbell,CA 95008 POLICY NUMBER 800 S,Santa Anita Ave.,Arcadia,CA 91006 CARRIER NAIC CODE EFFECTIVE DATE: ADDITIONAL REMARKS THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: 25 FORM TITLE: CERTIFICATE OF LIABILITY INSURANCE and collectively are included as an additional insured(primary and non-contributory)on General Liability policy per the attached endorsements,if required. Waiver of Subrogation is included on General Liability policy per the attached endorsement,if required.Waiver of Subrogation is included on Workers Compensation policy,if required.The Waiver endorsement has been requested for the Workers Compensation policy from the insurance company and if approved will be forwarded when received.The Cancellation notice endorsement has been requested for the General Liability policy from the Insurance company and if approved will be forwarded when received.This certificate replaces and supersedes all previously issued certificates. i i i i f i f 1 i I I I I 1 i I ACORD 101 (2008101) ©2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD QUALITY COMP kFS MONUMENT DATE: TO: ACCOUNTAMPLOYER: Pacific Clinics RE: Quality Comp, Inc.—Self-Insured Workers'Compensation Group i To Whom It May Concern: As proof of workers'compensation coverage, I would like to provide you with the attached Certificate of Consent to Self-Insure issued to Quality Comp, Inc. by the California Department of Industrial Relations, Office of Self-Insurance Plans. This Certificate carries an effective date of December 1, 2004 and does not have an expiration date. The Quality Comp, Inc. program has excess insurance coverage with Safety National Casualty Corporation. Safety National is a fully licensed and admitted writer of Excess Workers' Compensation Insurance in the State of California (NAIC#15105). The company is rated "A++Superior" Category"XV"by A.M. Best&Company. Specific Excess Insurance Excess Workers' Compensation: Statutory per occurrence excess of$500,000 Employers Liability: $1,000;000 Limit Term of Coverage I Effective Date: January 1, 2023 I Expiration: January 1, 2024 Please contact me if you have any questions or require additional information. Thank you. Sincerely, I Jacqueline Harris Director of Underwriting RPS Monument 1 1 255 Great Valley Parkway I Suite 200 Malvern, PA 19355 1 T 610.647.4466 F 610,647.0662 1 www.RPSins.com I I O °'- Con O J2 d rta C7 Fs4 a"i 04, oo to aU o ao e'a 4" A " O •0 N s p o et U -ty y L �+ 06) eo rf ,r"J A ai w 9 gg v � 41S 9 Js LO 00 . � w 4 �. � � Effective date of this Endorsement: 01-Mar-2023 This Endorsement is attached to and forms a part of Policy Number: W21 FDE230601 Syndicate 2623/623 at Lloyd's. Referred to in this endorsement as either the"Insurer" or the "Underwriters" BLANKET ADDITIONAL INSURED ENDORSEMENT—GENERAL LIABILITY COVERAGE ONLY This endorsement modifies insurance provided under the following: Miscellaneous Medical Professional Liability, General Liability, Advertising Liability, Products/Completed Operations Liability and Employee Benefits Liability Insurance Claims Made and Reported Insurance In consideration of the premium charged for the Policy, it is hereby understood and agreed that solely in relation to coverage provided under Clause !. INSURING AGREEMENTS, A. 2. General Liability, Clause II. PERSONS INSURED is amended to include any entity for which the Insured has assumed such entity's liability in a written contract or agreement(an "Additional Insured") solely for services rendered by or on behalf of the Named Insured and that is also named in a Claim if all of the following conditions are met: 9. The Claim against the Additional Insured seeks damages for which the Insured has assumed liability; 2. This insurance applies to such liability assumed by the Insured; 3. The obligation to defend the Additional Insured has also been assumed by the Insured in the same contract or agreement; 4. The allegations in the Claim and the information known about the incident are such that no conflict appears to exist between the interests of the Insured and the interests of the Additional Insured; 5. The Additional Insured and the Insured ask Underwriters to conduct and control the defense of that Additional Insured against such Claim and agree that Underwriters can assign the same counsel to defend the Insured and the Additional Insured; 6. The Additional Insured agrees in writing to: 1 a. Cooperate with the Underwriters in the investigation, settlement or defense of the Claim; b. Immediately send Underwriters copies of any demands, notices, summonses or legal j papers received in connection with the Claim; C. Notify any other insurer whose coverage is available to the Additional Insured; and d. Cooperate with Underwriters with respect to coordinating other applicable insurance available to the Additional Insured; and 7. The Additional Insured provides Underwriters with written authorization to: a. Obtain records and other information related to the Claim; and b. Conduct and control the defense of the Additional Insured in such Claim. All other terms and conditions of this Policy remain unchanged. E02293 Page 1 of 2 072019 ed. (I I 1 i All other terms and conditions of this Policy remain unchanged. Authorized Represen ative 1 3 ii 1 +i i i I i 1 1 i E02293 Page 2 of 2 072019 ed. f Effective date of this Endorsement: 01-Mar-2023 This Endorsement is attached to and forms a part of Policy Number:W21FDE230601 Syndicate 2623/623 at Lloyd's. referred to in this endorsement as either the"Insurer" or the "Underwriters" BLANKET ADDITIONAL INSURED ENDORSEMENT—GENERAL LIABILITY COVERAGE ONLY (WITH WAIVER/PRIMARY COVERAGE) This endorsement modifies insurance provided under the following: Miscellaneous Medical Professional Liability, General Liability, Advertising Liability, Products/Completed Operations Liability and Employee Benefits Liability Insurance Claims Made and Reported Insurance In consideration of the premium charged for the Policy, it is hereby understood and agreed that: Solely in relation to coverage provided under INSURING AGREEMENTS,A. 2. General Liability, Clause II. PERSONS INSURED is amended to include any entity for which the Insured has assumed such entity's liability in a written contract or agreement (an "Additional Insured") solely for services rendered by or on behalf of the Named Insured and that is also named in a Claim if all of the following conditions are met: 1. The Claim against the Additional Insured seeks damages for which the Insured has assumed liability; 2. This insurance applies to such liability assumed by the Insured; 3 The obligation to defend the Additional Insured, has also been assumed by the Insured in the same contract or agreement; 4. The allegations in the Claim and the information known about the incident are such that no conflict appears to exist between the interests of the Insured and the interests of the Additional Insured; 5. The Additional Insured and the Insured ask Underwriters to conduct and control the defense of that Additional Insured against such Claim and agree that Underwriters can assign the same 3I counsel to defend the Insured and the Additional Insured; 6. The Additional Insured agrees in writing to: i a. Cooperate with the Underwriters in the investigation, settlement or defense of the Claim; J b, Immediately send Underwriters copies of any demands, notices, summonses or legal papers received in connection with the Claim; c. Notify any other insurer whose coverage is available to the Additional Insured; and d. Cooperate with Underwriters with respect to coordinating other applicable insurance available to the Additional Insured; and i 7. The Additional Insured provides Underwriters with written authorization to: a. Obtain records and other information related to the Claim; and b. Conduct and control the defense of the Additional Insured in such Claim. All other terms and conditions of this Policy remain unchanged. The Underwriters waive any right of recovery the Underwriters may have against any person or J organization, where required by the Insured's written contract with the Additional Insured, because of payments made by the Named Insured for Damages and Claims Expenses arising out of the Named Insured's operations. E03340 Page 1 of 2 082019 ed. The coverage provided in this endorsement shall be primary and not contributing with any other insurance maintained by the Additional Insured, subject to the provisions set forth above. All other terms and conditions of this Policy remain unchanged. Authorized RepresenCative 1 i S s i 1 i i i i l 1 I E03340 Page 2 of 2 082019 ed. I County of Fresno, Department of Behavioral Health Human Services 3133 Millbrook Avenue Fresno, CA 93703 County of Fresno, DSS P.O. Box 1912 Fresno, CA 93718 30 June 2023 Our ref: W21FDE230601 Your ref: W21 FDE230601 Beazley<3roup To whom it may concern: 333 West Wacker Drive p Suite i�F00 Unable to provide occurrence-based general liability insurance Chicago,IL 60606 USA r(3112)476 6200 Due to the nature of operations of Pacific Clinics and its affiliated insureds, we info@beazley.com are unable to provide occurrence-based general liability insurance. j beazley.com Yours sincerely, Lyla Ruesewald Underwriter Miscellaneous Medical & Life Sciences I. T 972-419-8027 j M 405-651-4016 Lyla.ruesewald@beazley.com I i i i a I i y beazlv; _ Effective date of this Endorsement: 31-Jul-2023 This Endorsement is attached to and forms a part of Policy Number: W21 FDE230601 Syndicate 2623/623 at Lloyd's. referred to in this endorsement as either the "Insurer" or the "Underwriters" ADD ENDORSEMENT WITHOUT ADDITIONAL PREMIUM This endorsement modifies insurance provided under the following: Miscellaneous Medical Professional Liability, General Liability, Advertising Liability Products/Completed Operations Liability and Employee Benefits Liability Insurance Claims Made and Reported Insurance It is hereby understood and agreed that the following endorsement(s) is added to the Policy: Contract Specific Occurrence General Liability Endorsement E12752032019 All other terms and conditions of this Policy remain unchanged. Authorized RepresentUtive E03892 Pagel of 1 032015 ed. Effective date of this Endorsement: 31-Jul-2023 This Endorsement is attached to and forms a part of Policy Number: W21 FDE230601 Syndicate 2623/623 at Lloyd's. referred to in this endorsement as either the "Insurer" or the "Underwriters" CONTRACT SPECIFIC OCCURRENCE GENERAL LIABILITY ENDORSEMENT This endorsement modifies insurance provided under the following: Miscellaneous Medical Professional Liability, General Liability, Advertising Liability, Products/Completed Operations Liability and Employee Benefits Liability Insurance Claims Made and Reported Insurance In consideration of the premium charged for the Policy, it is hereby understood and agreed that solely in respect of the Named Insured's contract with Fresno County, Department of Behavioral Health in force at the date hereof: 1. The Preamble of this Policy is deleted in its entirety and replaced with the following: NOTICE: This Policy provides coverage on both a Claims Made and Reported basis and an Occurrence basis. Except to such extent as may otherwise be provided herein, the coverage afforded under Insuring Agreements I.A.1., I.A.2.b, and I.A.3. of this insurance policy is limited to those Claims which are first made against the Insured and reported to the Underwriters during the Policy Period; the coverage afforded under Insuring Agreement I.A.2.a. of this insurance covers Accidents taking place during the Policy Period. Damages and Claims Expenses shall be applied against the Deductible. Certain words and phrases which appear in bold type have special meaning; please refer to Section V., Definitions. Please review the coverage afforded under this insurance policy carefully and discuss the coverage hereunder with your insurance agent or broker. In consideration of the payment of premium and reliance upon the statements, representations and warranties made in the application which is made a part of this insurance policy (hereinafter referred to as the "Policy" or "insurance") and subject to the Limit of Liability, exclusions, conditions and other terms of this insurance, the Underwriters agree with the Named Insured (set forth in Item 1. of the Declarations, made a part hereof) as follows: 2. The Preamble of the Declarations is deleted in its entirety and replaced with the following: This Policy provides coverage on both a Claims Made and Reported basis and an Occurrence basis. Insuring Agreements I.A.1., I.A.2.b, and I.A.3. of this Policy provide coverage on a Claims Made and Reported basis and apply only to those Claims which are first made against the Insured and reported in writing to the Underwriters during the Policy Period or the Extended Reporting Period (if applicable). Insuring Agreements I.A.2.a. of this Policy provides coverage on an Occurrence basis and apply only to those Accidents taking place during the Policy Period. Amounts incurred as Claims Expenses shall reduce and may exhaust the Limit of Liability and are applied to the Deductible. The Underwriters are not liable for Claims Expenses or Damages once the Limit of Liability is exhausted. Please read this Policy carefully. 3. Clause I. INSURING AGREEMENTS A.2. is deleted in its entirety and replaced with the following: 2. a. General Liability and Advertising Liability (Occurrence coverage) The Underwriters will pay on behalf of the Insured Damages and Claims Expenses which the Insured shall become legally obligated to pay or assumed by the Insured under contract for Personal Injury, Property Damage or Advertising Liability caused by an Accident taking place during the Policy Period, except as excluded or limited by the terms, conditions and exclusions of this Policy. b. Products/Completed Operations Liability (Claims Made and Reported coverage) E12752 032019 ed. Page 1 of 3 The Underwriters will pay on behalf of the Insured Damages and Claims Expenses which the Insured shall become legally obligated to pay or assumed by the Insured under contract because of any Claim or Claims first made against any Insured during the Policy Period and reported to the Underwriters during the Policy Period or any applicable Extended Reporting Period, for Personal Injury, Property Damage or Advertising Liability caused by an Accident arising out of the Products/Completed Operations Liability Hazard, except as excluded or limited by the terms, conditions and exclusions of this Policy. 4. The following sentence is added to Clause IX. EXTENDED REPORTING PERIOD, before paragraph A.: This section applies to coverage afforded under this Policy on a Claims Made basis only. 4. Clause XI. NOTICE OF CLAIM, OR CIRCUMSTANCE THAT MIGHT LEAD TO A CLAIM is deleted in its entirety and replaced with the following: XI. NOTICE OF CLAIM OR OCCURRENCE, OR CIRCUMSTANCE THAT MIGHT LEAD TO A CLAIM Occurrence Coverage: As soon as the Insured first become aware of an Accident which has taken place during the Policy Period, it shall, as soon as reasonably practicable, notify the Underwriters through persons named in Item 9. of the Declarations. Claims Made Coverage: A. If any Claim is made against the Insured, the Insured shall, as soon as reasonably practicable, notify the Underwriters in writing through persons named in Item 9. of the Declarations and forward every demand, notice, summons or other process received by the Insured or its representative. In no event shall the Underwriters be given notice of a Claim later than the end of the Policy Period, the end of the purchased Extended Reporting Period, or thirty (30) days after the expiration date of the Policy Period in the case of Claims first made against the Insured during the last thirty (30) days of the Policy Period. The Insured's duty to provide notice in accordance with this provision is a condition precedent to coverage. B. If during the Policy Period the Insured first becomes aware of a negligent act, error or omission that could lead to a Claim, it must give written notice to the Underwriters through persons named in Item 9. of the Declarations during the Policy Period of: (1) the specific negligent act, error, or omission; (2) the injury or damage which may result or has resulted from the negligent act, error, or omission or; and (3) the circumstances by which the Insured first became aware of the negligent act, error or omission. Any subsequent Claim made against the Insured which is the subject of the written notice shall be deemed to have been made at the time written notice was first given to the Underwriters. C. A Claim or a circumstance that might lead to a Claim shall be considered to be reported to the Underwriters when notice is received by the Underwriters through persons named in Item 9 of the Declarations. D. All Claims arising out of the same, continuing or related negligent act, error or omission shall be considered a single Claim and deemed to have been made at the time the first E12752 032019 ed. Page 2 of 3 of the related Claims is reported to the Underwriters. Such related Claims shall be subject to one Limit of Liability, identified in Item 3(a) of the Declarations. E. In the event of non-renewal of this insurance by the Underwriters, the Insured shall have thirty (30) days from the expiration date of the Policy Period to notify the Underwriters of Claims made against the Insured during the Policy Period which arise out of any negligent act, error or omission occurring prior to the termination date of the Policy Period and otherwise covered by this insurance. F. All Claims arising out of the same, continuing or related negligent act, error or omission in the Administration of the Insured's Employee Benefits Program shall be considered a single Claim and deemed to have been made at the time the first of the related Claims is reported to Underwriters. Such related Claims shall be subject to one of Limit of Liability identified on item 3(c) of the Declarations. All coverages: If any Insured shall make any Claim under this Policy knowing such Claim to be false or fraudulent, as regards amount or otherwise, this Policy shall become null and void and all coverage hereunder shall be forfeited. All other terms and conditions of this Policy remain unchanged. Authorized Representa4ve E12752 032019 ed. Page 3 of 3