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THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD <br />INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS <br />CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, <br />EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. <br />INSR <br />TYPE OF INSURANCE <br />ADDL <br />INSR <br />SUER <br />WVr1� <br />POLICY NUMBER <br />POLICY EFF <br />rMM DD /YYYYI <br />POLICY EXP <br />(MMIDri/YYYYI <br />LIMITS <br />A <br />GENERAL <br />X <br />LIABILITY <br />COMMERCIAL GENERAL LIABILITY <br />680386D3628 <br />12/18/12 <br />12/18/13 <br />EACH OCCURRENCE <br />$ 1,000 000 <br />PREM SES (Ea occurrence) <br />$ 300,000 <br />CLAIMS -MADE <br />X <br />OCCUR <br />MED EXP (Anyone person) <br />$ 5,000 <br />PERSONAL & ADV INJURY <br />$ 1,000,000 <br />GENERAL AGGREGATE <br />$ 2,000,000 <br />GEN'L AGGREGATE LIMIT APPLIES PER: <br />— 1 POLICY PRO <br />JFCT LOC <br />PRODUCTS - COMP /OP AGG <br />$ 2,000,000 <br />$ <br />AUTOMOBILE <br />X <br />LIABILITY <br />ANY AUTO <br />ALL OWNED <br />AUTOS <br />HIRED AUTOS <br />X <br />SCHEDULED <br />AUTOS <br />NON -OWNED <br />AUTOS <br />BA386D3770 <br />12/18/12 <br />12/18/13 <br />COMBINED SINGLE LIMIT <br />(Ea accident) <br />1 000 000 <br />$ s s <br />BODILY INJURY (Per person) <br />$ <br />BODILY INJURY Pdent <br />( er accident) <br />$ <br />PROPERTY DAMAGE <br />(Per accident) <br />$ <br />$ <br />A <br />X <br />UMBRELLA LIAB <br />EXCESS LIAB <br />_ <br />OCCUR <br />CLAIMS -MADE <br />ISFCUP973H2726 <br />12/18/12 <br />12/18/13 <br />EACH OCCURRENCE <br />$ 2,000,000 <br />AGGREGATE <br />$ 2,000,000 <br />DED 1 X RETENTION $ 5000 <br />$ <br />A <br />WORKERS COMPENSATION <br />AND EMPLOYERS' LIABILITY Y / N <br />ANY PROPRIETOR/PARTNER/EXECUTIVE <br />OFFICER/MEMBER EXCLUDED? <br />(Mandatory in NH) <br />If yes, describe under <br />DESCRIPTION OF OPERATIONS below <br />N / A <br />ICUB386D371A <br />12/18/12 <br />12/18/13 <br />x <br />WCSTATU- <br />TORY LIMITS <br />ER <br />ER <br />E.L. EACH ACCIDENT <br />$ 500,000 <br />E . DISEASE EA EMPLOYEE <br />$ 500,000 <br />E DISEASE - POLICY LIMIT <br />$ 500,000 <br />am 1 <br />Property <br />Prof Liab <br />680386D3628 <br />LHX980753600 <br />12/18/12 <br />01/05/13 <br />12/18/13 <br />01/05/14 <br />Contents 625,022 <br />Prof Liab 1,000,00C <br />DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) <br />4WRE <br />COVERAGES <br />CERTIFICATE HOLDER <br />FYI <br />CERTIFICATE OF LIABILITY INSURANCE <br />THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS <br />CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES <br />BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED <br />REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. <br />IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to <br />the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the <br />certificate holder in lieu of such endorsement s <br />PRODUCER <br />RJF Minneapolis <br />7225 Northland Dr N #300 <br />Minneapolis, MN 55428 <br />Mindy Carlson <br />INSURED <br />Ratwik Roszak & Maloney PA <br />730 2nd Ave S #300 <br />Minneapolis, MN 55402 <br />763- 746 -8000 <br />CERTIFICATE NUMBER: <br />FYI.... <br />CONTACT Colleen een Johnson <br />PHONE 763- 746 -8524 <br />E-MAIL • ohnsonc r a <br />ADDRESS; I fencies.com �� g <br />FAX 763 -7 <br />INC, No): <br />INSURER(S) AFFORDING COVERAGE <br />INSURER A : Travel ers Insurance Co <br />INSURER B: Hanover Insurance Company <br />INSURER C: <br />INSURER D: <br />INSURER E: <br />INSURER F: <br />46 -8624 <br />NAIC # <br />25658 <br />36064 <br />CANCELLATION <br />• <br />RATWROS OP ID: C2 <br />DATE (MM /DD/YYYY) <br />12/28/12 <br />SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE <br />THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN <br />ACCORDANCE WITH THE POLICY PROVISIONS. <br />AUTHORIZED REPRESENTATIVE <br />© 1988-2010 ACORD CORPORATION. All rights reserved. <br />ACORD 25 (2010/05) The ACORD name and logo are registered marks of ACORD <br />Attachment 2 <br />