EMSAC 2024 Board Book_clone

DocuSign Envelope ID: 5177212B-772B-4A81-AD8D-7A8B978EA709

EXHIBIT "A"

Schedule of Services

Central office facilities
Includes physical office space, mailing address, email address(es); telephone services; working
supplies; central storage of materials; current and historical

Committee Management
Up to 5 1-hour standing committees 6 times per year (30) Includes audio/webinar technology
set up; staff attendance if required; meeting space if required based on availability

Conference Management
Venue contract for meeting space, hotels rooms / F&B / AV; BEOs; attendee and sponsor/
exhibitor registration; speaker management (up to 30 speakers) including speaker contracts;
conference app setup and updating; coordinate meeting room setups; setting up/attending 1
hour planning committee meetings up to 1 per month; S&E communications; exhibit kit;
contract with show services if required; S&E onsite management; name badges; signage;
development of conference budget; site inspection prior; conference promotion via email;
certificates of attendance; website updates; production of conference program $250 per page;
onsite staffing (1 staff per 100 attendees)

(1 conference/year 400-800 people and up to 80 exhibitors)

Learning Management System

Provide and manage online learning for members and non-members; registration forms;
contracting with presenters; setup education in the LMS and CE tracking in member/ non-
member profiles. Up to 3 educational offerings per month

Executive / Board Services
Includes attending and preparing for 6 executive committee and 6 board meetings per year;
new board orientation; includes audio/webinar technology set up and/or meeting space if
required and based on availability; works with and directs all activities of the staff; works with
president and board to accomplish strategic plan initiatives and goals of the board; mentor
board members; liaise with appropriate industry related organization as needed; maintain and
update electronic files of the Articles of Incorporation, Bylaws, special rules of order; standing
rules and minutes of meeting; maintain annual contracts and budgets; manage call for board
nominations and elections; work closely with volunteer leaders to communicate with major
stakeholders (members, exhibitors and sponsors) throughout the year to keep them apprised of
Association opportunities, events and the status of their sponsored activities; direct the board
on all aspects of management of the association; work with contract lobbyist(s) and oversight
of contract communications director, including proof reading of EMSAC Star

DocuSign Envelope ID: 5177212B-772B-4A81-AD8D-7A8B978EA709

Financial Services
Create and update accounting file; preparation of 990s and liaise with tax preparer;
bookkeeping (accounts payable, accounts receivable); maintain monthly paper files with
accurate bank reconciliation, invoice copies and information about bulk uploads; monitor all
requests for payment comparing them to budget; prepare and pay checks monthly; process
credit card payments and credit card reconciliations; collect, record and deposit to checking
account all cash and checks as received by mail or following events; maintain W9 information;
issue 1099s; bank account management; quarterly financial reports (P&L vs. budget, P&L vs.
prior year and balance sheet statements); preparation of annual organization budget in
conjunction with board; quarterly operational dashboards for board meetings; quarterly
treasurer’s reports for board meetings; obtain and maintain liability and D&O insurance; file
annual report with Secretary of State; file charitable solicitor registration with Secretary of
State; serve as registered agent of association

Membership
Maintain member database; administrate awards program; daily customer support; weekly
communications with members/non-members; post events and create registration forms from
volunteer leaders (up to 12 per year); create marketing collateral, i.e. flyers for events or
membership recruitment; setup and update membership notification emails; website updates;
execute membership recruitment/retention programs

ADDITIONAL SERVICES:
These are services that are additional to the scope as noted above. The items highlighted in
yellow are services that Civica provides today. Other items are not currently included in the
scope.

Addition of 10 speakers per event $500
Additional board meetings $900 ea.
Additional executive committee meetings $600 ea.
Additional webinars charged $250 ea.
Annual Report- assist with creative/final product - graphic design $400
$50-$100*
Attending additional meetings (charge by hour)* $300/mtg
Board minutes
Book fulfillment $400
Council Meetings $5,000
Day at the Capitol $300/mtg
District & SIG management (up to 5) $5,000
Executive Committee minutes $1,500
Expo hall management exceeding 80 exhibitors $1,500
Golf Tournament management (up to 80 golfers)
Grant writing (up to 3 per year)
Grass Roots Advocacy

DocuSign Envelope ID: 5177212B-772B-4A81-AD8D-7A8B978EA709

Group Purchasing mgmt and goals (Savvik) $1,500
Lobbying Support
Merchandise fulfillment license plate form; patches and decals (maintain $950
inventory) price based on 50 orders per year (Over 50 will require additional
fee) $1,200
Monthly member roster download from national and upload
National Meetings $800
PAC bookkeeping and reports $375
Preparation for external audit by outside accounting firm $2,500
Process CE applications/credits (based on 40 hours)
Sales tax permit $500
Silent auction setup and promotion
Social media $700
Speaker abstract software management $250 ea.
Town hall meetings

REQUIRED SOFTWARE / PLATFORMS:

Bill.com
MemberClicks Association Management
MyCommittee.com (1st 3 portals free)
QuickBooks Online (QBO)
Vonage with text

AS TO ASSOCIATION
Date 1/20/2021

AS TO MANAGER
Date 1/25/2021

DocuSign Envelope ID: 5177212B-772B-4A81-AD8D-7A8B978EA709

EXHIBIT "B"

Schedule of Fees

As consideration for the Services and Additional Services provided hereunder, Association shall pay
to Manager the fees described below:

Services: With respect to the Services, Association shall pay to Manager a fixed fee of $68,000 during
the Term, to be paid in equal monthly installments of $5,666.67 in advance on or before the first day
of each month commencing Aug. 1, 2020.

(1) Additional Services: With respect to Additional Services and subject to the terms set forth in Section
II(B), Association shall pay to Manager an hourly fee of $60 per hour spent by staff and $100 per hour
spent by the Executive Director, Team Leader, Don Knox or a consultant. Association will approve
such work in advance in writing. Manager will keep records of the time spent on Additional Services
and will provide to Association monthly a breakdown of the time spent, description of Services, and by
whom, together with an invoice of such Hourly Fees. Upon receipt of such invoice, the Association
shall pay the later of ten (10) business days following receipt of the invoice and the date the
subsequent monthly fixed fee is due.

(2) Success Fees: As additional compensation for the Services, the parties hereby agree that the
Association will pay Manager a "success fee" as described here: none at this time.

AS TO ASSOCIATION
Date 1/20/2021

AS TO MANAGER
Date 1/25/2021

October 16, 2019

Mr. Scott Sholes
Board President
Emergency Medical Services Association of Colorado

Dear Scott:

We are excited to once again represent EMSAC at the State Capitol in the 2020
legislative session. This letter will serve to again spell out the agreement between The
Howes Group, LLC and the Emergency Medical Services Association of Colorado
(EMSAC) and the services we will provide with respect to legislation considered by the
Colorado General Assembly and regulatory actions by various state agencies which
may affect EMSAC.

As we did in past years, The Howes Group will provide the following services on behalf
of the EMSAC:

1. Act as your consultant and lobbyist, available to consult with you and other
representatives of EMSAC with respect to any legislation or other measures which
could affect EMSAC.

2. At your request, lobby and monitor legislation that could affect EMSAC.
3. Screen bills and other measures during the legislative session that could possibly

affect EMSAC.
4. Consult with you and representatives of EMSAC as necessary to provide

explanations on legislation and other measures of concern.
5. Recommend action and positions to be taken on such bills and other measures.
6. Prepare reports as necessary that summarize pertinent bills and other measures.
7. Present or organize testimony, positions, and arguments to be presented to the

General Assembly or its legislative committees on behalf of EMSAC.
8. Provide information and analysis relating to any state or local ballot issues that

may affect EMSAC.
9. Provide strategic advice and counsel on candidate races and ballot issue

elections, including making recommendations with respect to campaign
contributions by EMSAC.

The term of this engagement shall be from January 1, 2020 through December 31, 2020.
EMSAC shall pay The Howes Group, LLC a fee of $34,200. Payment shall be made by
the first of the month. The fee will be $2,600 per month from January to August, then
$3,350 per month from September to December. In addition to the compensation for

Strategic Government Relations / Corporate Initiatives / Public Affairs 1580 Lincoln Street / Suite 970 / Denver, CO / 80203 303.246.5753

services, EMSAC will reimburse The Howes Group, LLC for expenses actually incurred,
not to exceed $500 unless otherwise agreed, for the term of this contract in connection
with any food, drink, conference calls, or printing costs performed on behalf of EMSAC.
This letter shall constitute the full and complete agreement between EMSAC and The
Howes Group, LLC. Consistent with the provisions of section 24-6-308, C.R.S., no
consideration or compensation shall be due or owing from EMSAC to The Howes Group,
LLC which is contingent upon the passage or defeat of any legislation; the making or
defeat of any rule, standard, or rate by any state agency; or the approval or veto of
any legislation by the Governor of Colorado. This agreement may be terminated by
written notice of either party. Termination shall be effective thirty days from the date the
written notice is received.
If this letter fully states your understanding of the agreement between EMSAC and The
Howes Group, LLC, please sign in the space provided below and return it to us for our
files.
Sincerely yours,

Christopher D. Howes
President
The Howes Group, LLC

Accepted and approved:
BY: ______________________________
DATE: ______________________________

Scott Sholes
President of the Board
Emergency Management Services Association of Colorado

Strategic Government Relations / Corporate Initiatives / Public Affairs 1580 Lincoln Street / Suite 970 / Denver, CO / 80203 303.246.5753











ALLIANCE OF www.insurancefornonprofits.org rinanclal Streagth
BEST
NONPROFITS FOR
Enceden
INSURANCE
ANI #2 RENEWAL UPDATE
A Head for Insurance. A Heart for Nonprofits.
Current Policy Dates Producer: 02258
Member #:16937
2/2/2021 TO 2/2/2022 CNIA, Part of HUB Intl Insurance
(Ajay M/Debbie F)
Current Policy # Services, Inc.
Emergency Medical Services
Assoc. of Colorado, Inc. 2021-16937 2000 S. Colorado Blvd. Tower 2

P.O. Box 3406 Ste 150

Englewood, CO 80155 Denver, CO 80222

Contact: Lindsey Salee

Applicant Name: Emergency Medical Services Assoc. of Colorado, Inc.

Contact Person: Susan Nolte Title Check here if
Phone: (720-457-1057 none available
Fax: (303) 200-7099
Email [email protected] Check here f
none available
Website: www.emsac.org
Check hereif
Confirm Billing Address: I D Creck none available

COVERAGES REQUESTED AT RENEWAL:

General Liablity Submit ACORD Optional for accounts with

Non-owned/Hired Auto Liability premium under $2,000)
Auto Liability/Physical Damage Canun olswss, 1uktavouo

Improper Sexual Conduct (Submit ACORD)

Social Service Professional Liability (Submit ANI #9)

Umbrella (Submit ANI #12)

Directors &Officers Liability (Submit ACORD) ol Scuss

Property/Crime (Submit ANI #6) CCen e a Uora

ParticipantVolunteer Accident (Submit ACORD) e

Employee Benefits Liability (Submit ANI #7)

(Submit ANI #8)

The Named Insured listed above is due to renew as indicated. Please complete this Renewal
Update, the appropriate ACORD forms, and the Additional Insured, Special Event/Fundraiser

Supplements attached (if applicable).
We request that you return all renewal information to us at least thirty (30) days prior to expiration.

1. a. Isthe Named Insured's501((3) tax-exemptstatus stillin force? YYeess No

b. What is the organization's state of incorporation? Color aolo

ANI #2 GLRenewal 1014 Page 1

2. Does this organization have in place a proced ure to verify annually t he existence of personal
who may us
auto insurance for employees and vol unteers e their au t os on agency buSIness?

Yes No

How maný employees drive? R How many volunteers?
N o3. Are any vehicles or mobile equipment owned/registered to this organization? Yes

If yes, how many?

Note: We no longer order, request, add, delete, main tain nor eval uate MVRs and driver record s for the policies. We ask that t he nonprofit be
follow our guidelines when deciding whether to allow someone to la for dri gency owned ve
drive. Our underwriting criter vers of a hicles can

found at: http://www.insurancefomonprofits.org

Are you presently in bankruptcy or has your organization contemplated filing bankruptcy during

the past 6 months?

Yes No

If yes, please explain. .

If yes, please provide the bankruptcy filing paperwork.

Total number of employees Total number of volunteers_ S
5.
/oD Annual payroll $ Annual sales if applicable $
6. Annual budget $

ANI-RRG RENEWAL UPDATE (ANI-RRG #2)
Please complete the following information for an update on Special Events/Fundraisers& Field Trips

Number of Trips Field Trips Mode of Transportation

Destination

Special Events or Fundraisers

Date Event # of Participants Antic. Revenue (gross) Co-sponsors

November- Annual COStateEMS Conference-1,000attendees

COMMENTS OR ADDITIONAL INFORMATION

List any changes/aditionsin services and types of activities since last year's ANI-RRG application.
Be certain to list and describe all programs added or deleted below.

ANI #2 GL Renewal 1014 Page 2

ALLIANCE OF NONPROFITS FOR INSURANCE
RISK RETENTION GROUP

Control # 16937 Policy #:2021-16937

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc.

Policy Dates: 02/02/2021 TO 02/02/2022
The following is a list of the location(s) and additional insured(s) currently on your expiring policy.

Please do the following:

1. Check the list and make any corrections necessary
22.. Indicate the interest of each additional insured on the line provided i.e., funding, reterral,

landlord, contract, etc.

3. Add any new additional insureds applicable

4. Return updated list with the Renewal Supplement (ANI-RRG #2)

CURRENT LOCATION SCHEDULE

Address Class Description Exposure Exposure
1,582
Code Type

2851 S. Parker Rd., #1210, 61227 Office Area
Aurora, CO

PROPERTY

Business Personal Property/Contents @ 2851 S Parker Rd, Aurora CO:
$1,000 total value
$250 deductible

COMMERCIAL LINES COMMON POLICY DECLARATIONS

PRODUCER: POLICY NUMBER: 2022-16937
RENEWAL OF NUMBER: 2021-16937
CNIA, Part of HUB Int'l Insurance Services, Inc.
2000 S. Colorado Blvd. Tower 2 Ste 150
Denver, CO 80222
NAME OF INSURED AND MAILING ADDRESS:

Emergency Medical Services Assoc. of Colorado, Inc.

P.O. Box 3406
Englewood, CO 80155

POLICY PERIOD: FROM 02/02/2022 TO 02/02/2023

AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE

BUSINESS DESCRIPTION: Advocates for good medical care

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS
POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY.

THIS POLICY CONSISTS OF THE FOLLOWING COVERAGE PARTS FOR WHICH A PREMIUM IS INDICATED. THESE PREMIUMS MAY BE SUBJECT TO ADJUSTMENT.

COMMERCIAL GENERAL LIABILITY COVERAGE PART - OCCURRENCE ............................ PREMIUM
COMMERCIAL AUTO LIABILITY COVERAGE PART .............................................................. $550
IMPROPER SEXUAL CONDUCT AND PHYSICAL ABUSE COVERAGE PART .........................
SOCIAL SERVICE PROFESSIONAL COVERAGE PART .......................................................... Not Covered
COMMERCIAL LIQUOR LIABILITY COVERAGE PART ............................................................ Not Covered
TERRORISM COVERAGE (Certified Acts) ................................................................................ Not Covered
INCLUDED
Not Covered

TOTAL: $550

FORM(S) AND ENDORSEMENT(S) MADE A PART OF THIS POLICY AT TIME OF ISSUE:*

ANI-E003 GL 08 20, ANI-E069 GL 02 19, ANI-E078 11 20, ANI-E120 09 19, ANI-E123 09 19, ANI-E180 GL 01 21, ANI-E180 LL 01 21,
ANI-RRG-E25 12 15, ANI-RRG-E26 11 17,
ANI-E195 GL 05 21, ANI-E282 GL 12 21, ANI-RRG-E11 GL 09 19, ANI-RRG-E15 09 20, ANI-RRG-E22 09 19, ANI-RRG-E44 04 07, ANI-RRG-E5 07 15,
ANI-RRG-E72 01 17, ANI-RRG-E74 03 14,
ANI-RRG-E28 01 99, ANI-RRG-E29 12 09, ANI-RRG-E33 GL 09 19, ANI-RRG-E34 09 18, ANI-RRG-E42 GL 09 19, CG 00 33 04 13, CG 20 10 12 19,
CG 20 26 12 19, CG 20 34 12 19,
ANI-RRG-E56 01 17, ANI-RRG-E59 02 12, ANI-RRG-E60 07 12, ANI-RRG-E61 02 19, ANI-RRG-E70 03 19, CG 22 44 04 13, CG 22 52 10 93,
SCHEDULE L 01 80
ANI-RRG-GL 04 01, ANI-RRG-LL 04 01, ANI-RRG-NPO-001 05 20, ANI-RRG-X1 06 18, CG 00 01 04 13,

CG 20 11 12 19, CG 20 12 04 13, CG 20 18 04 13, CG 20 20 11 85, CG 20 21 07 98,

CG 20 37 12 19, CG 21 09 06 15, CG 21 47 12 07, CG 21 73 01 15, CG 21 96 03 05,

CG 24 07 01 96, IL 00 17 11 98, IL 00 21 09 08, IL 02 28 09 07, SCHEDULE G 01 80,

*Omits applicable forms and endorsement if shown in specific coverage part / coverage form declarations.

These declarations and the common policy declarations, if applicable, together with the common policy conditions, coverage form(s) and forms
and endorsements, if any, issued to form a part thereof, complete the above numbered policy.

"NOTICE BY
This policy is issued by your risk retention group. Your risk
retention group may not be subject to all of the insurance laws (AUTHORIZED REPRESENTATIVE)
and regulations of your State. State insurance insolvency 02/01/2022
guaranty funds are not available for your risk retention group."

ANI-RRG-CO

COMMERCIAL GENERAL LIABILITY COVERAGE PART DECLARATIONS

PRODUCER: POLICY NUMBER: 2022-16937
CNIA, Part of HUB Int'l Insurance Services, Inc. RENEWAL OF NUMBER: 2021-16937
2000 S. Colorado Blvd. Tower 2 Ste 150
Denver, CO 80222

NAME OF INSURED AND MAILING ADDRESS:
Emergency Medical Services Assoc. of Colorado, Inc.
P.O. Box 3406
Englewood, CO 80155

POLICY PERIOD: FROM 02/02/2022 TO 02/02/2023
AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE

BUSINESS DESCRIPTION: Advocates for good medical care

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS
POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY.

LIMITS OF COVERAGE: $1,000,000
$1,000,000
GENERAL AGGREGATE LIMIT (OTHER THAN PRODUCTS - COMPLETED OPERATIONS) $1,000,000
PRODUCTS - COMPLETED OPERATIONS AGGREGATE LIMIT .......................... $1,000,000
PERSONAL AND ADVERTISING INJURY LIMIT ....................................................
EACH OCCURRENCE LIMIT .................................................................................. $500,000any one premises
DAMAGE TO PREMISES RENTED TO YOU .........................................................
$20,000any one person
MEDICAL EXPENSE LIMIT ....................................................................................

ADDITIONAL COVERAGES:

PREMIUM $550

FORMS AND ENDORSEMENTS APPLICABLE TO THIS POLICY ARE INCLUDED IN COMMERCIAL LINES COMMMON POLICY DECLARATIONS

02/01/2022 BY (AUTHORIZED REPRESENTATIVE)

THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE FORM(S)
AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY.

"NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all
the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for
your risk retention group."

ANI-RRG-GL

COMMERCIAL GENERAL LIABILITY
EXTENSION OF DECLARATIONS

POLICY NUMBER: 2022-16937 Schedule G
NAME OF INSURED: Emergency Medical Services Assoc. of Colorado, Inc. Page 1

PREMISES *LOC PREMIUM RATE *ADVANCED
CODE/CLASS BASIS PREMIUM
1 184.606
61227/Buildings or Premises - office - NFP 1,582 $292

Activities/Field Trips:

Event # # of people Description
Annual CO State EMS Conference
1 1,000 November $200
$58
Additional Premium to Meet Minimum

*See Common Declarations for Total Advanced Premium and Schedule 'L' for locations.

2/1/2022 BY

(AUTHORIZED REPRESENTATIVE)

"NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all

the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for

your risk retention group."

ANI - RRG - SCHEDULE G

COMMERCIAL GENERAL LIABILITY Schedule L
EXTENSION OF DECLARATIONS Page 1

POLICY NUMBER: 2022-16937
NAME OF INSURED: Emergency Medical Services Assoc. of Colorado, Inc.

PREMISES DESIGNATED PREMISES ADDITIONAL INSUREDS
LOC/BLDG ADDRESS, CITY, STATE, ZIP AND OTHER INTERESTS

1 2851 S. Parker Rd., #1210
Aurora, CO 80014

02/01/2022 BY

(AUTHORIZED REPRESENTATIVE)

"NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all
the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for
your risk retention group."

ANI-RRG - SCHEDULE L

COMMERCIAL LIQUOR LIABILITY COVERAGE PART DECLARATIONS

PRODUCER: POLICY NUMBER: 2022-16937
CNIA, Part of HUB Int'l Insurance Services, Inc. RENEWAL OF NUMBER: 2021-16937
2000 S. Colorado Blvd. Tower 2 Ste 150
Denver, CO 80222

NAME OF INSURED AND MAILING ADDRESS:
Emergency Medical Services Assoc. of Colorado, Inc.

P.O. Box 3406
Englewood, CO 80155

POLICY PERIOD: FROM 2/2/2022 TO 2/2/2023
AT 12:01 A.M. STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE

BUSINESS DESCRIPTION: Advocates for good medical care

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS
POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY.

LIMITS OF COVERAGE: 1,000,000
GENERAL AGGREGATE LIMIT.............................................................. $ 1,000,000
EACH COMMON CAUSE LIMIT.............................................................. $

PREMIUM: Included

FORMS AND ENDORSEMENTS APPLICABLE TO THIS COVERAGE PART AND MADE PART OF THIS POLICY AT THE TIME OF ISSUANCE:
CG 00 33 04 13

THESE DECLARATIONS AND THE COMMON POLICY DECLARATIONS, IF APPLICABLE, TOGETHER WITH THE COMMON POLICY CONDITIONS, COVERAGE
FORM(S) AND FORMS AND ENDORSEMENTS, IF ANY, ISSUED TO FORM A PART THEREOF, COMPLETE THE ABOVE NUMBERED POLICY.

2/1/2022 BY

(AUTHORIZED REPRESENTATIVE)

"NOTICE : This Policy is issued by your risk retention group. Your risk retention group may not be subject to all
the insurance laws and regulations of your State. State insurance insolvency guaranty funds are not available for
your risk retention group."

ANI - RRG - LL

INDEX OF FORMS ATTACHED TO THE POLICY

POLICY NUMBER: 2022-16937

NAME OF INSURED: Emergency Medical Services Assoc. of Colorado, Inc. Page: 1

LIABILITY FORMS AND ENDORSEMENTS FORM NUMBER / EDITION DATE

Member Criteria ANI-E003 GL 08 20
Fiscal Sponsor Limitation ANI-E069 GL 02 19
Professional Services - Exclusion ANI-E078 11 20
Lead Liability - Exclusion ANI-E120 09 19
Firearms Sublimit Endorsement ANI-E123 09 19
Communicable Disease - Exclusion ANI-E180 GL 01 21
Communicable Disease - Exclusion ANI-E180 LL 01 21
Discrimination Exclusion ANI-E195 GL 05 21
Cyber Incident - Exclusion ANI-E282 GL 12 21
Fireworks Exclusion ANI-RRG-E11 GL 09 19
Blood Testing Exclusion ANI-RRG-E15 09 20
Asbestos Exclusion ANI-RRG-E22 09 19
Additional Insured - Designated Person or Organization ANI-RRG-E25 12 15
Waiver of Transfer of Rights of Recovery Against Others ANI-RRG-E26 11 17
Property Damage to Personal Property in the Care, Custody or Control of the Insured ANI-RRG-E28 01 99
Employee Personal Auto Reimbursement ANI-RRG-E29 12 09
Mold, Fungus Exclusion ANI-RRG-E33 GL 09 19
Construction and Conversion Exclusion ANI-RRG-E34 09 18
Nuclear, Chemical and Biological Hazard Exclusion ANI-RRG-E42 GL 09 19
Exclusion - Medical Payments Coverage (Patients or Clients) ANI-RRG-E44 04 07
Trampoline Bounce House Exclusion ANI-RRG-E5 07 15
Liberalization - GL, SSP, EBL ANI-RRG-E56 01 17
Liberalization - LL ANI-RRG-E59 02 12
Volunteer Medical Payments ANI-RRG-E60 07 12
Additional Insured - Primary and Non-Contributory Endorsement for Public Entities ANI-RRG-E61 02 19
Fundraiser and Event Endorsement ANI-RRG-E70 03 19
Other Insurance - Coverage C ANI-RRG-E72 01 17
Mental Anguish Endorsement ANI-RRG-E74 03 14
Commercial General Liability Coverage Part Declarations ANI-RRG-GL 04 01
Commercial Liquor Liability Coverage Part Declarations ANI-RRG-LL 04 01
Nonprofits' OWN Enhancement Endorsement ANI-RRG-NPO-001 05 20
Improper Sexual Conduct and Physical Abuse Exclusion - GL ANI-RRG-X1 06 18
Commercial General Liability Coverage Form CG 00 01 04 13
Liquor Liability Coverage Form CG 00 33 04 13
Additional Insured - Owners, Lessees or Contractors CG 20 10 12 19
Additional Insured - Managers or Lessors of Premises CG 20 11 12 19
Additional Insured - State or Political Subdivisions - Permits CG 20 12 04 13
Additional Insured - Mortgagee, Assignee or Receiver CG 20 18 04 13
Additional Insured - Charitable Institutions CG 20 20 11 85
Additional Insured - Volunteers CG 20 21 07 98
Additional Insured - Designated Person or Organization CG 20 26 12 19
Additional Insured - Lessor of Leased Equipment - Automatic Status - Lease CG 20 34 12 19

This list of forms is not part of the actual policy, but is for your information only.
Please refer to the policy(s) for actual limits, coverages and exclusions.

INDEX OF FORMS ATTACHED TO THE POLICY

POLICY NUMBER: 2022-16937

NAME OF INSURED: Emergency Medical Services Assoc. of Colorado, Inc. Page: 2

LIABILITY FORMS AND ENDORSEMENTS FORM NUMBER / EDITION DATE

Additional Insured - Owners, Lessees or Contractors - Completed Operations CG 20 37 12 19
Exclusion - Unmanned Aircraft CG 21 09 06 15
Employment-Related Practices Exclusion CG 21 47 12 07
Exclusion of Certified Acts of Terrorism CG 21 73 01 15
Silica - Exclusion CG 21 96 03 05
Health or Cosmetic Services Exclusion CG 22 44 04 13
Medical Payments Coverage (Inmates, Patients, or Prisoners) Exclusion CG 22 52 10 93
Products/Completed Operations Hazard Redefined CG 24 07 01 96
Common Policy Conditions IL 00 17 11 98
Nuclear Energy Liability Exclusion Endorsement (Broad Form) IL 00 21 09 08
Colorado Changes - Cancellation and Nonrenewal GL IL 02 28 09 07
Commercial General Liability Class Code Schedule SCHEDULE G 01 80
Commercial General Liability Location Schedule SCHEDULE L 01 80

This list of forms is not part of the actual policy, but is for your information only.
Please refer to the policy(s) for actual limits, coverages and exclusions.

POLICY NUMBER: 2022-16937

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED
PRIMARY AND NON-CONTRIBUTORY
ENDORSEMENT FOR PUBLIC ENTITIES

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization:

A. Section II – WHO IS AN INSURED is amended to include:

4. Any public entity as an additional insured, and the officers, officials, employees, agents and/or volunteers
of that public entity, as applicable, who may be named in the Schedule above, when you have agreed in a
written contract or written agreement presently in effect or becoming effective during the term of this policy,
that such public entity and/or its officers, officials, employees, agents and/or volunteers be added as an
additional insured(s) on your policy, but only with respect to liability for “bodily injury”, “property damage” or
“personal and advertising injury” caused, in whole or in part, by:

a. Your negligent acts or omissions; or
b. The negligent acts or omissions of those acting on your behalf;

in the performance of your ongoing operations.

No such public entity or individual is an additional insured for liability arising out of the sole negligence by
that public entity or its designated individuals. The additional insured status will not be afforded with
respect to liability arising out of or related to your activities as a real estate manager for that person or
organization.

B. Section III – LIMITS OF INSURANCE is amended to include:

8. The limits of insurance applicable to the public entity and applicable individuals identified as an additional
insured(s) pursuant to Provision A.4. above, are those specified in the written contract between you and
that public entity, or the limits available under this policy, whichever are less. These limits are part of and
not in addition to the limits of insurance under this policy.

C. With respect to the insurance provided to the additional insured(s), Condition 4. Other Insurance of
SECTION IV – COMMERCIAL GENERAL LIABILITY CONDITIONS is replaced by the following:

4. Other Insurance

a. Primary Insurance

This insurance is primary if you have agreed in a written contract or written agreement:

(1) That this insurance be primary. If other insurance is also primary, we will share with all that
other insurance as described in c. below; or

ANI-RRG-E61 02 19 Page 1 of 2

POLICY NUMBER: 2022-16937

(2) The coverage afforded by this insurance is primary and non-contributory with the additional
insured(s)’ own insurance.

Paragraphs (1) and (2) do not apply to other insurance to which the additional insured(s) has been
added as an additional insured or to other insurance described in paragraph b. below.

b. Excess Insurance

This insurance is excess over:

1. Any of the other insurance, whether primary, excess, contingent or on any other basis:

(a) That is Fire, Extended Coverage, Builder’s Risk, Installation Risk or similar coverage for
"your work";

(b) That is fire, lightning, or explosion insurance for premises rented to you or temporarily
occupied by you with permission of the owner;

(c) That is insurance purchased by you to cover your liability as a tenant for "property damage"
to premises temporarily occupied by you with permission of the owner; or

(d) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent
not subject to Exclusion g. of SECTION I – COVERAGE A – BODILY INJURY AND
PROPERTY DAMAGE.

(e) Any other insurance available to an additional insured(s) under this Endorsement covering
liability for damages which are subject to this endorsement and for which the additional
insured(s) has been added as an additional insured by that other insurance.

(1) When this insurance is excess, we will have no duty under Coverages A or B to defend the
additional insured(s) against any "suit" if any other insurer has a duty to defend the additional
insured(s) against that "suit". If no other insurer defends, we will undertake to do so, but we will
be entitled to the additional insured(s)’ rights against all those other insurers.

(2) When this insurance is excess over other insurance, we will pay only our share of the amount of
the loss, if any, that exceeds the sum of:

(a) The total amount that all such other insurance would pay for the loss in the absence of this
insurance; and

(b) The total of all deductible and self-insured amounts under all that other insurance.

(3) We will share the remaining loss, if any, with any other insurance that is not described in this
Excess Insurance provision and was not bought specifically to apply in excess of the Limits of
Insurance shown in the Declarations of this Coverage Part.

c. Methods of Sharing

If all of the other insurance available to the additional insured(s) permits contribution by equal
shares, we will follow this method also. Under this approach each insurer contributes equal
amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever
comes first.

If any other the other insurance available to the additional insured(s) does not permit contribution by
equal shares, we will contribute by limits. Under this method, each insurer’s share is based on the
ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers.

ANI-RRG-E61 02 19 Page 2 of 2

POLICY NUMBER: 2022-16937 FORM: ANI-RRG-E25 12 15

NAMED INSURED: Emergency Medical Services Assoc. of Colorado, Inc.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED - DESIGNATED PERSON
OR ORGANIZATION -

FOOD CONTRIBUTIONS OR CLIENT REFERRALS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name of Person or Organization:

Any person or organization that you are required to add as an additional insured on this policy, under a written
contract or agreement currently in effect, or becoming effective during the term of this policy, in consideration
of food contributions or client referrals you receive from them.

A. Section II – Who Is An Insured is amended to include as an additional insured the person(s) or organization(s)
shown in the Schedule, but only with respect to liability for "bodily injury", "property damage" or "personal and
advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting
on your behalf:
1. In the performance of your ongoing operations; or
2. In connection with your premises owned by or rented to you.

However:
1. The insurance afforded to such additional insured only applies to the extent permitted by 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.

B. With respect to the insurance afforded to these additional insureds, the following is added to Section III –
Limits Of Insurance:

If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on
behalf of the additional insured is the amount of insurance:
1. Required by the contract or agreement; or
2. Available under the applicable Limits of Insurance shown in the Declarations; whichever is less. This

endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.

ANI-RRG-E25 12 15 Page 1 of 1

POLICY NUMBER: 2022-16937 COMMERCIAL GENERAL LIABILITY

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc. CG 20 26 12 19

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):

Any person or organization that you are required to add as an additional insured on this policy, under a written
contract or agreement currently in effect, or becoming effective during the term of this policy. The additional
insured status will not be afforded with respect to liability arising out of or related to your activities as a real
estate manager for that person or organization.

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
damage" or "personal and advertising injury" If coverage provided to the additional insured is
caused, in whole or in part, by your acts or required by a contract or agreement, the most we
omissions or the acts or omissions of those acting will pay on behalf of the additional insured is the
on your behalf: amount of insurance:
1. In the performance of your ongoing operations; 1. Required by the contract or agreement; or
or 2. Available under the applicable Limits of
2. In connection with your premises owned by or
rented to you. Insurance shown in the Declarations;
whichever is less.
However:
1. The insurance afforded to such additional This endorsement shall not increase the
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 12 19 © Insurance Services Office, Inc., 2012 Page 1 of 1

POLICY NUMBER: 2022-16937 COMMERCIAL GENERAL LIABILITY

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc. CG 20 34 12 19

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED - LESSOR OF LEASED
EQUIPMENT - AUTOMATIC STATUS WHEN

REQUIRED IN LEASE AGREEMENT WITH YOU

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Section II – Who Is An Insured is amended to A person's or organization's status as an
include as an additional insured any person(s) or additional insured under this endorsement ends
organization(s) from whom you lease equipment when their contract or agreement with you for such
when you and such person(s) or organization(s) leased equipment ends.
have agreed in writing in a contract or agreement
that such person(s) or organization(s) be added as B. With respect to the insurance afforded to these
an additional insured on your policy. Such additional insureds, this insurance does not apply
person(s) or organization(s) is an insured only with to any "occurrence" which takes place after the
respect to liability for "bodily injury", "property equipment lease expires.
damage" or "personal and advertising injury"
caused, in whole or in part, by your maintenance, C. With respect to the insurance afforded to these
operation or use of equipment leased to you by additional insureds, the following is added to
such person(s) or organization(s). Section III – Limits Of Insurance:

However, the insurance afforded to such additional The most we will pay on behalf of the additional
insured: insured is the amount of insurance:
1. Only applies to the extent permitted by law; 1. Required by the contract or agreement you

and have entered into with the additional insured;
2. Will not be broader than that which you are or
2. Available under the applicable Limits of
required by the contract or agreement to Insurance shown in the Declarations;
provide for such additional insured. whichever is less.

This endorsement shall not increase the
applicable Limits of Insurance shown in the
Declarations.

CG 20 34 12 19 © Insurance Services Office, Inc., 2012 Page 1 of 1

POLICY NUMBER: 2022-16937 COMMERCIAL GENERAL LIABILITY

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc. CG 20 11 12 19

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):

Name Of Person(s) Or Organization(s) (Additional Insured):

Any person or organization acting as a manager or lessor of a covered premises that you are required to
name as an additional insured on this policy, under a written contract, lease or agreement currently in effect,
or becoming effective during the term of this policy.

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
exclusions: B. With respect to the insurance afforded to these
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
amount of insurance:
demolition operations performed by or on 1. Required by the contract or agreement; or
behalf of the person(s) or organization(s) 2. Available under the applicable Limits of
shown in the Schedule.
Insurance shown in the Declarations;
However: whichever is less.
1. The insurance afforded to such additional
This endorsement shall not increase the
insured only applies to the extent permitted applicable Limits of Insurance shown in the
by law; and Declarations.

CG 20 11 12 19 © Insurance Services Office, Inc., 2012 Page 1 of 1

POLICY NUMBER: 2022-16937 COMMERCIAL GENERAL LIABILITY

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc. CG 20 37 12 19

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – OWNERS, LESSEES OR
CONTRACTORS – COMPLETED OPERATIONS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s) Location And Description Of Completed Operations
Or Organization(s)

Any person or organization that you are required to All insured premises and operations.
add as an additional insured on this policy, under a
written contract or agreement currently in effect, or
becoming effective during the term of this policy.
The additional insured status will not be afforded
with respect to liability arising out of or related to
your activities as a real estate manager for that
person or organization.

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" or

"property damage" caused, in whole or in part, by If coverage provided to the additional insured is

"your work" at the location designated and required by a contract or agreement, the most we

described in the Schedule of this endorsement will pay on behalf of the additional insured is the

performed for that additional insured and amount of insurance:

included in the "products-completed operations 1. Required by the contract or agreement; or
hazard". 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.
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 37 12 19 © Insurance Services Office, Inc., 2012 Page 1 of 1

POLICY NUMBER: 2022-16937 COMMERCIAL GENERAL LIABILITY

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc. CG 20 10 12 19

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED – OWNERS, LESSEES OR
CONTRACTORS – SCHEDULED PERSON OR
ORGANIZATION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE

Name Of Additional Insured Person(s) Location(s) Of Covered Operations
Or Organization(s) All insured premises and operations.

Any person or organization that you are required to
add as an additional insured on this policy, under a
written contract or agreement currently in effect, or
becoming effective during the term of this policy. The
additional insured status will not be afforded with
respect to liability arising out of or related to your
activities as a real estate manager for that person or
organization.

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 for "bodily injury", "property will not be broader than that which you are
damage" or "personal and advertising injury" required by the contract or agreement to
caused, in whole or in part, by: provide for such additional insured.

1. Your acts or omissions; or B. With respect to the insurance afforded to these
2. The acts or omissions of those acting on your additional insureds, the following additional
exclusions apply:
behalf;
This insurance does not apply to "bodily injury" or
in the performance of your ongoing operations for "property damage" occurring after:
the additional insured(s) at the location(s)
designated above. 1. All work, including materials, parts or
equipment furnished in connection with such
However: work, on the project (other than service,
1. The insurance afforded to such additional maintenance or repairs) to be performed by
or on behalf of the additional insured(s) at the
insured only applies to the extent permitted location of the covered operations has been
by law; and completed; or

CG 20 10 12 19 © Insurance Services Office, Inc., 2012 Page 1 of 2

2. That portion of "your work" out of which the 2. Available under the applicable Limits of
injury or damage arises has been put to its Insurance shown in the Declarations;
intended use by any person or organization whichever is less.
other than another contractor or subcontractor
engaged in performing operations for a This endorsement shall not increase the
principal as a part of the same project. applicable Limits of Insurance shown in the
Declarations.
C. With respect to the insurance afforded to these
additional insureds, the following is added to
Section III – Limits Of Insurance:

If coverage provided to the additional insured is
required by a contract or agreement, the most we
will pay on behalf of the additional insured is the
amount of insurance:

1. Required by the contract or agreement; or

CG 20 10 12 19 © Insurance Services Office, Inc., 2012 Page 2 of 2

POLICY NUMBER: 2022-16937 COMMERCIAL GENERAL LIABILITY

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc. CG 20 18 04 13

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED –
MORTGAGEE, ASSIGNEE OR RECEIVER

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

SCHEDULE Designation Of Premises

Name Of Person(s) Or Organization(s)

Any person or organization acting as mortgagee,
assignee, or receiver with respect to locations scheduled
on the policy.

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 C. 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 their liability as mortgagee,
assignee, or receiver and arising out of the If coverage provided to the additional insured is
ownership, maintenance, or use of the premises by required by a contract or agreement, the most we
you and shown in the Schedule. will pay on behalf of the additional insured is the
amount of insurance:
However: 1. Required by the contract or agreement; or
1. The insurance afforded to such additional 2. Available under the applicable Limits of

insured only applies to the extent permitted by Insurance shown in the Declarations;
law; and whichever is less.
2. If coverage provided to the additional insured is
required by a contract or agreement, the This endorsement shall not increase the
insurance afforded to such additional insured applicable Limits of Insurance shown in the
will not be broader than that which you are Declarations.
required by the contract or agreement to
provide for such additional insured.

B. This insurance does not apply to structural
alterations, new construction and demolition
operations performed by or for that person or
organization.

CG 20 18 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 1

POLICY NUMBER: 2022-16937 COMMERCIAL GENERAL LIABILITY

Named Insured: Emergency Medical Services Assoc. of Colorado, Inc. CG 20 12 04 13

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:
Subdivision:

Any state or political subdivision that issues a permit or authorization to the named insured.

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
b. "Bodily injury" or "property damage"
1. This insurance applies only with respect to included within the "products-completed
operations performed by you or on your behalf operations hazard".
for which the state or governmental agency or
subdivision or political subdivision has issued a B. With respect to the insurance afforded to these
permit or authorization. additional insureds, the following is added to
Section III – Limits Of Insurance:
However:
a. The insurance afforded to such additional If coverage provided to the additional insured is
required by a contract or agreement, the most we
insured only applies to the extent permitted will pay on behalf of the additional insured is the
by law; and amount of insurance:
b. If coverage provided to the additional 1. Required by the contract or agreement; or
insured is required by a contract or 2. Available under the applicable Limits of
agreement, the insurance afforded to such
additional insured will not be broader than Insurance shown in the Declarations;
that which you are required by the contract whichever is less.
or agreement to provide for such additional
insured. This endorsement shall not increase the
applicable Limits of Insurance shown in the
Declarations.

CG 20 12 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 1

POLICY NUMBER: 2022-16937 FORM: ANI-RRG-E26 11 17

NAMED INSURED: Emergency Medical Services Assoc. of Colorado, Inc.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

WAIVER OF TRANSFER OF RIGHTS OF RECOVERY
AGAINST OTHERS (WAIVER OF SUBROGATION)

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART
SOCIAL SERVICE PROFESSIONAL LIABILITY COVERAGE FORM

SCHEDULE

Name of Person or Organization:

Where you are so required in a written contract or agreement currently in effect or becoming effective during the
term of this policy, we waive any right of recovery we may have against that person or organization, who may be
named in the schedule above, because of payments we make for injury or damage.

ANI-RRG-E26 11 17 Page 1 of 1

EVIDENCE OF MEMBERSHIP
Alliance of Nonprofits for Insurance,

Risk Retention Group (ANI)

Pursuant to the Articles of Incorporation and Amended and Restated Bylaws ["Bylaws"] of Alliance of
Nonprofits for Insurance Risk Retention Group, Inc. ["the Corporation"], this Certificate evidences the
membership of

Emergency Medical Services Assoc. of Colorado, Inc.
as a Member of the Corporation during such time as it satisfies all the requirements for eligibility for
membership as set forth in Article II, Section 1 of the Bylaws. The term of membership is set forth in Article
II, Section 2 of the Bylaws.
A Member may not transfer its membership or any rights arising therefrom except in accordance with
Article II, Section 4 of the Bylaws.
The rights of Members to elect Directors, to vote on matters submitted to the membership of the
Corporation for decision and to attend meetings of the Corporation are all as further set forth in Article II of
the Bylaws.
A copy of the Bylaws of the Corporation is available online at www.insurancefornonprofits.org

Offered with reference to Policy No 2022-16937
February 02, 2022
Alliance of Nonprofits for Insurance, Risk Retention Group, Inc. Issuing Office: Santa Cruz, CA

NORTH AMERICAN
ELITE INSURANCE COMPANY

MANCHESTER, NH

BUSINESSOWNERS ENHANCEMENT ENDORSEMENT

POLICYHOLDER NOTICE

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 coverage you are provided. If there is any conflict between the policy and this notice, the provisions
of the policy shall prevail.

This notice has been prepared in conjunction with the implementation of changes to your policy. This
notice provides information concerning insurance coverage under the Businessowner policy. It contains
a brief synopsis of a new endorsement to your policy. This notice does not reference every editorial
change made to the endorsements included in your policy.

Please read your policy, and the endorsements attached to your policy, carefully.

The following is a summary of enhancements to Coverage, Limits and/or Terms.

Fire Department Service Charge $25,000

Business Income Period of Restoration Increased to 18 Consecutive Months

Business Income - Ordinary Payroll Period of Restoration Increased to 120 Days

Business Income - Ordinary Payroll Includes Officers, Executives, and Managers

Extra Income Expense Period of Restoration Increased to 18 Consecutive Months

Pollutant Clean up and Removal Coverage $25,000

Increased Cost of Construction 25% of Building or $100,000 which ever is less

Business Income From Dependent Properties $50,000

Fire Extinguisher Systems Recharge Expense $25,000

Arson or Vandalism Reward for Information $5,000

Spoilage $25,000

Water Damage $25,000

Interruption of Utility Services or Off-Premises Power Failure- Loss or Damage $25,000

Interruption of Utility Services or Off-Premises Power Failure- Time Element $25,000

Earthquake Sprinkler Leakage $10,000

Newly Acquired Or Constructed Property Extended from 30 to 60 days

Personal Property Off Premises $250,000

Outdoor Property $50,000

Outdoor Property - Plants $1,000 each / $10,000

Outdoor Property - Signs $25,000

Personal Effects at the Described Premises $25,000

Valuable Papers and Records at the Described Premises $25,000

Valuable Papers and Records Not at the Described Premises $10,000

Account Receivable at the Described Premises $50,000

Account Receivable Not at the Described Premises $25,000

Lock and Key Replacement $2,500

NAE-AMS-PHN (07/13) Page 1 of 1

NORTH AMERICAN
ELITE INSURANCE COMPANY
1200 Main Suite 800 Kansas City, MO 64105
Fax Number: 913-676-6226
Phone: 800-255-6931

BUSINESSOWNERS POLICY DECLARATIONS

PRODUCER: POLICY NUMBER: CWB0005008-17 - 16937

1009984
AMS Insurance Services, Inc.
P.O. Box 8507
Santa Cruz, CA 95061-8507

NAME OF INSURED AND MAILING ADDRESS:

Emergency Medical Services Assoc. of Colorado, Inc.

P.O. Box 3406
Englewood, CO 80155

POLICY PERIOD: FROM: 02/02/2022 TO: 02/02/2023

AT 12:01 A.M.* STANDARD TIME AT YOUR MAILING ADDRESS SHOWN ABOVE.

*Exceptions: 12:00 noon in Maine, Michigan, North Carolina and Virginia

BUSINESS DESCRIPTION: Advocates for good medical care

IN RETURN FOR THE PAYMENT OF THE PREMIUM, AND SUBJECT TO ALL THE TERMS OF THIS
POLICY, WE AGREE WITH YOU TO PROVIDE THE COVERAGE AS STATED IN THIS POLICY.

(See SCHEDULE A for applicable coverage information & limits)

SECTION I - PROPERTY

POLICY DEDUCTIBLE: $250

BUILDINGS N/A

BUSINESS PERSONAL PROPERTY (BPP) $113
$50
BOP Enhancement Endorsement (NAE-AMS-002)
Additional Premium To Meet Minimum $137

OPTIONAL COVERAGES:
$500 deductible applies to the following optional coverages:

SECTION II - LIABILITY N/A (Not Available in this Policy) TOTAL PREMIUM $300

FORM(S) AND ENDORSEMENT(S) MADE A PART OF THIS POLICY AT TIME OF ISSUE: NAE-AMS-DEC 07 13,

BP 01 81 03 15, BP 15 60 02 21, NAE-AMS-000 01 14, NAE-AMS-002 07 13, NAE-AMS-011 01 15, NAE-AMS-021 01 15,

SCHEDULE A 07 13, SP 38 81 12 17, SP 56 94 10 12

AUTOMATIC INCREASE IN INSURANCE : 8%
Named Insured Representative
CNIA, Part of HUB Int'l Insurance Services, Inc.
2000 S. Colorado Blvd. Tower 2 Ste 150
Denver, CO 80222
888-795-0300

COUNTERSIGNATURE USE ONLY :

Countersigned at: By: Date:
Issued Date : 02/01/2022
Issuing Office : Santa Cruz
NAE-AMS-DEC (07/13) Page 1 of 2

POLICY NUMBER: NORTH AMERICAN ELITE INSURANCE COMPANY
AGENCY NAME: BUSINESSOWNERS PROPERTY POLICY
EXTENSION OF DECLARATIONS
SCHEDULE A

CWB0005008-17 - 16937
Emergency Medical Services Assoc. of Colorado, Inc.

Loc Bldg Coverage Address Class Code Limit Premium
1 1 Business Personal Property 63611
2851 S. Parker Rd. $20,000 $113
#1210
Aurora, CO 80014

Additional Premium To Meet Minimum $137

NAE-AMS-DEC (07/13) Page 2 of 2

NORTH AMERICAN ELITE INSURANCE COMPANY

INDEX OF FORMS ATTACHED TO THE POLICY
POLICY NUMBER: CWB0005008-17

NAME OF INSURED: Emergency Medical Services Assoc. of Colorado, Inc. Page 1

PROPERTY FORMS AND ENDORSEMENTS FORM NUMBER/EDITION DATE

Colorado Changes - Cancellation and Nonrenewal BP 01 81 03 15
Cyber Incident Exclusion BP 15 60 02 21
Businessowners Coverage Form NAE-AMS-000 01 14
BOP Enhancement Endorsement NAE-AMS-002 07 13
Exclusion of Certified Acts of Terrorism NAE-AMS-011 01 15
Exclusion of Other than Certified Acts of Terrorism NAE-AMS-021 01 15
Businessowners Property Policy Declarations NAE-AMS-DEC 07 13
Businessowners Property Policy Extension of Declarations Schedule A SCHEDULE A 07 13
NAE Signature Form SP 38 81 12 17
International Trade or Economic Sanctions SP 56 94 10 12

This list of forms is not part of the actual policy, but is for your information only.
Please refer to the policy(s) for actual limits, coverages and exclusions.

CIVICA ASSOCIATIONS AT A GLANCE

WHAT: Civica Associations, Conferences & Exhibitions is an association management
company based in Aurora, a suburb of Denver. Civica was incorporated in 2011. It acquired
Caruso Group in 2013 and ACE Management in 2015.

EXECUTIVE CHAIR: Don Knox

PRESIDENT: Kim Gill, CAE

STAFF: 22 full-time employees as of August 2022. Civica is the largest AMC operating in
the Rocky Mountains.

OWNERSHIP: Privately held. All employees have stock appreciation rights, giving them a
financial stake in the company provided they remain employed with us.

MEMBERSHIPS: American Society of Association Executives, AMC Institute, Colorado
Society of Association Executives, Meeting Professionals International, Professional
Convention Management Association

SERVICES OFFERED: Executive management, membership, conferences, marketing,
finance & accounting, website/technology.

CULTURE: Civica has a culture of freedom and responsibility. We seek excellence, and
our culture focuses on helping us achieve excellence.

VALUES: We particularly value the following six behaviors and skills in our colleagues,
meaning we hire and promote people who demonstrate these six: Accountability, Fun,
Communications, Impact, Selflessness, Courage.

HEADQUARTERS: 2851 S. Parker Road, Suite 250, Aurora, CO 80014. Mailing address:
P.O. Box 3406, Englewood, CO 80155

WEBSITE: www.civicamanagement.com

EMAIL: [email protected]

TELEPHONE: 720-277-0060

FAX: 303-200-7099

TELEPHONE URGENT: 303-562-1924 (rings all staffers simultaneously; business hours
only)

DON KNOX CELL PHONE: 720-272-0961

KIM GILL CELL PHONE: 720-256-4927

Staffing Your Association: AMC or Full-Time
Executive?

American Society of Association Executives

The power of associations lies in groups of like-minded people collaborating to
achieve common goals. In general, associations achieve these goals through the
contribution of time, expertise, insight, and passion of volunteers. Each association
is led by a board of directors which, often in partnership with a paid staff, sets the
strategic direction for the organization, ensures that the organization is legally
compliant, and advances the association’s mission.

As an association grows or its needs change beyond what volunteers can handle,
the board may want to consider hiring an individual or company to professionally
manage the association. Choosing the right staffing option is one of the most critical
responsibilities of the board, and can lead to expanded association services,
increased member satisfaction, and growth.

There are two primary executive staffing options for a board to consider: directly
retaining an individual staff executive as an employee of the association, or hiring an
association management company to run the association.

Why Choose An Association
Management Company?

by Trace Carson

In the June 2012 issue of Inc. magazine, Bo Burlingham interviewed Jim Collins, author of
Good to Great. During the interview, he discussed some of his research with the American
Society of Association Executives (ASAE). In part he said, “I began thinking that associations
may actually be on the leading edge of what more people are going to have to learn to do.
Instead of managing a company, you’re managing an ecosystem that is networked…”

Non-profit, volunteer-led associations as networked ecosystems! Ponder that for a moment…

How do you manage a networked ecosystem? Typically, associations have three choices
when considering how to manage their membership, resources and network:

• capitalize on volunteer time and maximize their output
• hire staff
• contract with an Association Management Company (AMC)

No two associations are alike and every association has its own set of needs and
challenges. For some, volunteers may provide the best answer and achieve outstanding
results. And for others, a dedicated staff may make the most sense. But for those who know
their volunteers don’t have the time to dedicate to projects and who can’t afford hiring staff,
the AMC option may provide the best solution.

Consider a July 2012 report by the AMC Institute that states stand-alone associations
(employing their own staff), with up to $5M in annual revenue, were twice as likely to end
2008 with a deficit as organizations managed by an AMC. Fifty percent of stand-alone
organizations operated at a loss in 2008 while 2/3 of AMC-managed organizations operated
at a surplus.

Benefits of an AMC

1. Expertise
AMC’s have long understood that associations are a network and have evolved to conduct
the association’s business in that environment. Although no two associations are the same,

AMC’s are on the leading edge of trends and know what pitfalls to avoid from experience
with other clients.

2. Continuity
Every time an association’s Board changes (usually on an annual basis), there is a new
dynamic. When a Past President rolls off of the Board, deciding she has “done her duty” and
takes a hiatus from association activities, her first-hand knowledge suddenly disappears. An
AMC is able to provide each new Board with continuity and a historical perspective that most
members will not have. With this institutional knowledge, previous discussions do not have to
be repeated and wheels do not have to be reinvented each year.

3. Mission, Strategic Thinking and Implementation
A Board’s primary responsibility is to fulfill the association’s mission and to think strategically
on behalf of the association. The AMC’s primary responsibility is to implement the Board’s
strategy while promoting a creative environment that allows the Board to think “big picture,”
making better use of volunteer time.

4. Objectivity
Members feel passionate about their association, particularly those in leadership positions.
But sometimes passion can overshadow what is in the best interest of an association. The
AMC is an objective third party and can often make observations that others may feel
uncomfortable in stating. The AMC will base all association decisions on objectivity and
impartiality, thinking of the good of the whole for the association.

5. Streamlined Operations and Shared Technology and Infrastructure
AMC’s typically use the same systems and processes for its various clients. These
economies of scale can significantly reduce the cost of running an association compared to
the association paying for each system itself. AMC’s will use the same software for their
clients, many of which require a licensing fee. These fees are shared between the clients.
The same can be said for phone systems, general overhead of an office, etc.

6. Fiduciary Responsibility
As an independent contractor, AMC’s assume a great deal of financial risk on the
association’s behalf (every board should still carry Directors and Officers insurance). Be sure
that your AMC is bonded, meaning that if any misappropriation of funds were to occur
through the AMC, the association is “insured.” A good AMC will require some sort of financial
inspection on a regular basis whether or not it is explicitly stated in the association’s bylaws.
This can be through a financial review inspection committee or an actual review or audit
through a CPA firm.

7. Cost Effective and No Employment Liability
Association management is labor intensive. However, many associations will not need a
dedicated full-time employee. Most AMC account managers work with multiple clients:
associations that use an AMC are only paying for the time that their account manager is
working with them. AMC’s also assume 100% of all employment related issues such as
payroll taxes, health insurance and other benefits. In addition, if work on behalf of the
association were to be scaled up (or down), an AMC is flexible enough to accommodate
those changing needs. This can be a huge cost savings to the association when compared
to a standalone model.

8. Return on Investment (ROI)
Association leaders should also think about their return on investment (ROI) when
contracting with an AMC. AMC’s are in the business of managing associations and their
experience can help grow an association’s bottom line. The management fee should be
viewed as an investment in the association’s future growth.

The AMC model is an economically viable option for almost any association that relies on
volunteers. It frees time for Board members to think strategically about their industry knowing
that the day-to-day operations are being effectively handled by a company which is in the
business of running volunteer-led associations. For the above reasons, an AMC can position
an association to move to the next level.

Trace Carson is the President of Catapult, Inc. He received his B.S. in Commerce from the
University of Virginia’s McIntyre School of Commerce in 1988 and his MBA, with a
concentration in marketing, from Virginia Commonwealth University in 1992. He founded
Catapult in 2000 and oversees all aspects of client management from administration to
strategic planning.

Benefits Of An AMC vs. Standalones

The association management industry is primarily split into two different
management models, association management companies (AMCs) and self-
managed organizations, or standalones.

Most of the time, though not always, AMCs are for profit companies. In some
cases nonprofit groups will form to serve as AMCs, and sometimes standalone
organizations will serve as an AMC for other organizations (i.e. their separately
incorporated chapters). AMCs typically provide the capital infrastructure and
human resources necessary to provide management services to their clients.
Standalone organizations are independent non-profit groups that are responsible
for hiring their own staff, renting or purchasing their own office space and
investing in capital expenditures.

A 2009 report published by the Association Management Company Institute
(AMCI) found that standalone organizations with budgets up to $5 million pay a
50% premium for the same level of services that would be provided by an AMC.
Net profitability was also found to be stronger under the AMC model, as was the
operating efficiency. Midsized organizations in the $1 million – $5 million range
had a more diversified revenue stream when managed under the AMC model.
There were not enough organizations with budgets greater than $5 million dollars
to do an analysis at that level.

Other benefits to the AMC model include the quality of staff, as many
standalones invest in their CEO, but not in the other functional positions that are
at the heart of an organization (meeting planning, membership coordination,
etc.).

The data clearly shows many advantages for small to mid-sized nonprofits who
are managed by AMCs. Just how big is the AMC industry? Let’s take a peek:

• AMCs are found in all 50 states and 16 countries
• 1,800 associations are managed by AMCI members
• 2,800,000 members are served by AMCI member companies
• $1.5 Billion in total budget cared for by AMCI members
• $200 Million in total hotel spending by AMCI members

-- Bill Elliot, Executive Director, and Haley Montsma, Marketing & Meeting
Coordinator, Association Acumen

FAQs About Association Management Companies

Home > Resources

Will the association lose its identity when contracting with an AMC?

The short answer is no. Members shouldn't even realize that the association does
not have direct employees and a separate office. Most AMCs answer the telephone
with a generic "association headquarters" or "association offices". Many stand-
alone associations with tongue-twister names (e.g., International Society of Left-
Handed Neuropsychopharmacologists) use a similar phone greeting. Even with the
increased use of voice mail, these sophisticated systems can be programmed to
give members easy phone access to association staff.

Association leaders often express fear that they will become lost within the AMC's
staff structure - that no one will be responsible for their needs. But with many AMCs
using a team approach to client management, there is always at least one, and
often several, individuals who are intimately familiar with the association's
members, programs, and culture.

How can an AMC be dedicated to more than one client?

AMCs have professional executives with years of education and experience. Like
lawyers and accountants, association managers attend to the affairs of each of their
clients without disclosing confidential client information or co-mingling client funds.
Even where client associations have contrary positions on public policy issues, so
long as key staff for each association are separate and confidential client
information remains secure, the associations can be assured of discretion.

What are the staffing advantages of AMCs?

Because the relationship of an AMC to a client association is that of an independent
contractor, the association is freed of employment responsibility and liability.
Employee relations is an increasingly complex management responsibility. Hiring,
firing, worker compensation, fringe benefits, avoiding discrimination in a host of
protected areas, and employer liability are only some of the concerns employers
face. AMCs relieve an association's board from all of these concerns.

The flexibility in staffing levels that an AMC provides an association is another
distinct advantage compared to having a direct staff. A well-staffed AMC can
provide the appropriate person with necessary skills to complete an association
project when needed. When the project is completed and staffing needs decrease,

the individual goes on to the next client? project. The shared resources of an AMC
help smooth out the peaks and valleys of staffing needs. And this shared-resources
concept allows AMC clients to realize savings in computers and other office
equipment, office space rental, insurance, and the host of other expenses that go
into maintaining a business office.

Why do AMCs want past and current financial information when
responding to a request for proposal?

Financial statements are necessary because they provide the AMC with information
about the extent and breadth of the association's activities, giving the AMC a truer
picture of the association. A current financial statement reveals the budgetary
priorities of the association and helps identify projects and activities that consume
staff time. It also gives the AMC the opportunity to see how well the association?
finances are handled and if the prospective client is, in fact, solvent.

Are AMCs ideal only for start-up associations?

No. An AMC can be an asset at any time within the life cycle of an association.
AMCs can be particularly useful in assisting in the start-up of associations. They
have the experience, contacts, and expertise to get the newly formed association
over many hurdles, saving volunteers time and effort and husbanding scarce
association resources.

But AMCs are equally adept at managing mature associations. The interchange of
ideas that is fostered by the AMC's management of multiple organizations helps
them introduce fresh concepts to their clients. An active AMC office is a hothouse
of germinating ideas, budding programs, and growing talent--the very thing needed
to bring life back into an aging organization.

Steven T. King, CAE, is executive vice president of Clemons and Associates, Inc.,
Baltimor
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Association Management Models and Their Impact on
Financial Performance

Prepared by James Gaskin, Ph.D.
Brigham Young University

Commissioned by
AMC Institute (AMCI)

Final Report
July 2015

Executive Summary

The table below summarizes the relative financial performance of associations managed by an
association management company (AMC) vs those independently managed. Green reflects a
higher value for associations managed by AMCs, while red reflects a lower value. Data was culled
from IRS form 990s of 501c3 and 501c6 organizations. A random sample was drawn of 167
associations. The low budget category was between $0.5 and 2 Million. The high budget category
was between $2 and 7.5 Million.

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Measure ALL c3 c6 Low$ High$

Net Total Rev Growth More More More More More

Net Income Growth (surplus) More More More More More

Avg Percent Surplus More More Less More More

Net Asset Growth More More More More More

Revenue Diversity in Products More More More More More

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! KEY FINDINGS

• In general, using AMCs is associated with stronger financial
performance.

• Regardless of tax status and budget size, growth in Net Income, Net
Revenue, and Net Assets are stronger for associations using AMCs.

• The only organizational context in which using AMCs did not lead to
higher performance was with regards to average percent surplus for
501c6 organizations.

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