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HomeMy WebLinkAboutInsurance Certificate: Pressure Point Roofing (2) ® DATE (MM/DD/YYYY) ,a~oizo CERTIFICATE OF LIABILITY INSURANCE 10/03/2016 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must 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 CONTACT Pamela J Breazeale Hart Insurance Agency - Medford PHONE FAX PO Box 1240 A/C No Ext: (541) 779-4232 A/C No: E-MAIL ADDRESS: Grants Pass OR 97528 INSURERS AFFORDING COVERAGE NAIC # INSURERA:Cincinnati Specialty Underwrit INSURED (541) 772-1945 INSURER B: SAIF Corporation Pressure Point Roofing Inc. INSURERC:Mutual of Enumclaw Insurance C 14761 5235 Rainbow Dr INSURER D: Central Point OR 97502 INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: Cert ID 1340 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR ADDL SUBR POLICY EFF POLICY EXP LIMITS LTR TYPE OF INSURANCE WVD POLICY NUMBER MM/DD/YYYY MM/DDNYYY A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 11000,000 DAMAGE TO RENTED CLAIMS-MADE 1XI OCCUR Y Y CSU0068454 03/29/2016 03/29/2017 PREMISES Ea occurrence $ 100,000 MED EXP (Any one person) $ 5 , 0 0 0 PERSONAL & ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY 7X PRO JECT ❑ LOC PRODUCTS - COMP/OP AGG $ 2,000,000 OTHER: AUTOMOBILE LIABILITY EO aBINEDtSINGLE LIMIT $ __1,000t000 C X ANY AUTO Y CPP0002914 12/06/2015 12/06/2016 BODILY INJURY (Per person) $ OWNED SCHEDULED BODILY INJURY (Per accident) $ AUTOS ONLY AUTOS HIRED NON-OWNED PROPERTY DAMAGE $ AUTOS ONLY AUTOS ONLY Per accident A UMBRELLA LIAB OCCUR CSU0068455 03/29/2016 03/29/2017 EACH OCCURRENCE $ 2,000,000 X EXCESS LIAB CLAIMS-MADE AGGREGATE $ 2,000,000 DED RETENTION $ $ WORKERS COMPENSATION X B AND EMPLOYERS' LIABILITY YIN 945959 10/01/2016 10/01/2017 STATUTE ERH ANYPROPRIETOR/PARTNER/EXECUTIVE ❑ NIA E.L. EACH ACCIDENT $ 1, 000, 000 OFFICER/MEMBER EXCLUDED? (Mandatory in NH) E.L. DISEASE- EA EMPLOYEE $ 11000,000 If yes, describe under 11000,000 DESCRIPTION OF OPERATIONS below E.L. DISEASE POLICY LIMIT $ $ DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Certificate Holders are included as Additional Insured per attached form CSGA4032-(06/12)Waiver of Subrogation per form # CSGA4087 (12/12) Completed Operations included, Coverage is Primary & Non-Contributory per written contract 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. City of Ashland 20 E Main Street AUTHORIZED REPRESENTATIVE Ashland OR 97520 ©1988-2015 ACORD CORPORATION. All rights reserved. ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD Page 1 of 1 COMMERCIAL GENERAL LIABILITY CSGA 4032 06 12 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL. INSURED - SCHEDULED PERSON OR ORGANIZATION - COMPLETED OPERATIONS ONLY (LIMITED) This endorsement modifies insurance provided under the following: PRODUCTS / COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE Name of Additional insured Person(s) or Organization(s): As Required by Written Contract. A. SECTION 11 - WHO IS AN INSURED is other because of damages arising out of amended to include as an additional insured such injury. any person or organization shown in the schedule, but only with respect to "bodily in- 4. "Bodily injury" or "property damage" for jury Of or "property damage" caused by "your which the Named Insured Is afforded no work" performed for the additional insured and coverage under this policy of insurance. included in the "products-completed opera- C. With respect to the insurance afforded to tions hazard". these additional insureds, SECTION III - UM- B. With respect to the insurance afforded to ITS OF INSURANCE is amended to Include: these additional insureds, the following adds- The limits applicable to the additional insured tional exclusions apply: are those specified in any written contract or This insurance does not apply to. agreement or in the Declarations of this Cov- erage Part, whichever is less. If no limits are 1. "Bodily injury" or "property damage arising specified in any written contract or agreement, out of the rendering of, or the failure to the limits applicable to the additional insured render, any professional architectural, en- are those specified in the Declarations of this gineering or surveying services, including: Coverage Part. The limits of insurance are in- clusive of and not in addition to the limits of in- a. The preparing, approving, or failing to surance shown in the Declarations. prepare or approve, maps, shop drawings, opinions, reports, surveys, D. With respect to the insurance afforded to the- field orders, change orders or draw- se additional insureds, SECTION IV - COM- ings and specifications,, or MERCIAL GENERAL LIABILITY COND1- b. SupervisaY, inspection, architectural TIONS, 4. Other Insurance is amended to in- or engineering activities. elude: 2. "Bodily Injury' or "property damage" aris- Any coverage provided herein will be excess in out of r work" for which a omsoli- over any other valid and collectible insurance g ~ available to the additional insured whether dated (wrap-up) insurance program has primary, excess, contingent or on any other been provided by the prime contractor / basis unless you have agreed in a written con- project manager or owner of the construe- tract or written agreement executed prior to lion project in which you are involved. any loss that this insurance will be primary. 3. "Bodily injury"or "property damage" to any This insurance will be noncontributory only if employee of you or to any obligation of you have so agreed in a written contract or the additional insured to indemnity an- written agreement executed prior to any loss and Ws coverage is determined to be primary. Includes copyrighted material of insurance CSGA 4032 06 12 Services Office, Inc., with its permiss;ion. Page 1 of 1 COMMERCIAL GENERAL LIABILITY CSGA 40871212 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US - PER CONTRACT This endorsement modifies insurance provided under the folbwing: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following Is added to Paragraph S. Transfer of Rights of Recovery Against Others to Us of SECTION IV - CONDITIONS: If you have agreed, in a written contract or agreement, to provide a waiver of any right of recovery against person or organization, we will waive any right of recovery we may have against rY gaibecause of payments we make for injury or damage arising out of your ongoinoperations oo"your worganization orrkk"ne under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to that person or organization for which you have agreed to in a written contract to provide said waiver. Includes copyrighted material of Insurance CSGA 40871212 Services Office, Inc., with its permission. Page 1 of, COMMERCIAL AUTO EA 99 11 05 13 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. SPECIAL BUSINESS AUTO ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement. The following changes revise SECTION I - COVERED The coverage that applies is the same as the AUTOS coverage provided for the vehicle being replaced. Paragraph C.1. is deleted and replaced with the Physical Damage Coverage is extended to the following: temporary substitute auto for the lesser of the 1. Trailers following number of days: a. "Trailers" with a load capacity of 2,000 1. The number of days reasonably required to pounds or less designed primarily for travel repair or replace the covered "auto" that is out on public roads; or of service; or b. "Trailers" designed primarily for travel on 2. 30 days. public roads when: The following changes revise SECTION II - LIABILITY (1) Pulled by an owned private passenger COVERAGE auto specifically described in Item The following is added to Paragraph A.1.: Three of the Declarations as a covered d. Blanket Additional Insured "auto" for Liability Coverage under this Coverage Form; and Any person or organization that you are required to include as an additional insured (2) Not used for business, farming or on this Coverage Form in a written contract ranching purposes. or agreement that is signed and executed Private passenger auto means a four (4) by you before the "bodily injury" or "property wheeled motor vehicle of the private damage" occurs and that is in effect during passenger, station wagon, pickup or van the policy period is an "insured" for Liability type designed for use on public highways Coverage, but only for damages to which and subject to motor vehicle registration. this insurance applies. The following is added: A person's or organization's status as an D. Temporary Substitute Autos - Physical Damage additional insured under this endorsement ends when your contract or agreement with If Physical Damage Coverage is provided by this such person or organization ends. Coverage Form, the following types of vehicles are The Limits of Insurance applicable to the also covered "autos" for Physical Damage Coverage: Additional Insured are those specified in the written contract or agreement but not more Any "auto" you do not own while used with the than the Limits of Insurance specified in the permission of its owner as a temporary substitute Declarations of this policy. The Limits of for a covered "auto" you own that is out of service Insurance applicable to the Additional because of its: Insured are inclusive of and not in addition 1. Breakdown; to the Limits of Insurance shown in the declarations for the Named Insured. 2. Repair; 3. Servicing; This Coverage does not apply to lessors of leased "autos". 4. "Loss"; or 5. Destruction. EA 99 11 05 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 1 of 6 e. Broadened Named Insured This coverage is excess over Any business entity newly acquired or a. any limit shown in the Declarations for formed by you during the policy period towing and labor costs; and provided you own 51% or more of the b. any other collectible insurance. business entity and the business is not separately insured for Business Auto This coverage applies only for an "auto" Coverage. Coverage is extended up to a covered on this policy for maximum of 180 days following acquisition c. Comprehensive or Specified Causes of or formation of the business entity or until Loss Coverage; and the end of the policy period, whichever d. Collision Coverage. comes first. f. Employee Hired Auto The following is added to Paragraph A.3 An "employee" of yours is an "insured" while Glass Repair - Waiver of Deductible operating an "auto" hired or rented under a No deductible will apply to glass breakage if contract or agreement in that "employee's" such glass is repaired in a manner acceptable name, with your permission, while to us rather than replaced. performing duties related to the conduct of Paragraph A.4.a. is deleted and replaced with the your business. following: Paragraphs A.2.a.(2) and A.2.a.(4) are deleted and 4. Coverage Extensions replaced with the following: a. Limited Rental Reimbursement or Travel 2. Coverage Extensions Expense a. Supplementary Payments We will pay up to $75 per day to a (2) Up to $5,000 for cost of bail bonds maximum of $2,250 for rental (including bonds for related traffic law reimbursement expenses for the rental of violations) required because of an an "auto" or other transportation expense "accident" we cover. We do not have to incurred by you because of "loss" to a furnish these bonds. covered "auto" which is covered by (4) All reasonable expenses incurred by Comprehensive, Specified Causes of Loss, the "insured" at our request, including or Collision coverage under this policy. No actual loss of earnings up to $500 a day deductible applies to this coverage. because of time off from work. (1) We will pay only for those expenses Paragraph B.5. is deleted and replaced with the incurred as a result of a covered "loss" following: occurring during the policy period 5. Fellow Employee beginning 24 hours after the "loss" and ending, regardless of the policy's "Bodily Injury" to any fellow "employee" of the expiration, with the lesser of the "insured" arising out of and in the course of the following number of days: fellow "employee's" employment or while (a) The number of days reasonably performing duties related to the conduct of your required to repair or replace the business. This exclusion does not apply to an covered "auto". If "loss" is caused "insured" who occupies a position as an officer, by theft, this number of days is manager or supervisor. added to the number of days it The following changes revise SECTION III - PHYSICAL takes to locate the covered "auto" DAMAGE COVERAGE and return it to you; or This coverage applies only for a covered "auto" for (b) 30 days. which Physical Damage Coverage is provided for on (2) Our payment under this Coverage this policy. Extension (4.a.) is limited to the lesser Paragraph A.2. is deleted and replaced with the of the necessary and actual expenses following: incurred or the maximum amount A. COVERAGE shown, $2,250. (3) Coverage under this Coverage 2. Towing Extension (4.a.) does not apply while We will pay up to $200 for a covered "auto" for there are spare or reserve "autos" towing and labor costs incurred each time the available to you for your operations. covered "auto" is disabled. However, the labor must be performed at the place of disablement. EA 99 11 05 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 2 of 6 (4) If a covered "auto" is described or (b) We will pay with respect to a designated as a covered "auto" on covered "auto" described in the endorsement EA 99 01, the coverage Schedule for "loss" to any provided by this extension is excess accessories used with the over coverage provided by electronic equipment described in endorsement EA 99 01. Paragraph (1)(a) above. However, The following is added to paragraph A.4. this does not include tapes, records or discs. c. Tapes, Records and Discs (2) Exclusions We will pay for "loss" to tapes, records, compact discs, or other similar devices The exclusions that apply to Physical used with audio, visual or data electronic Damage Coverage, except for the devices. exclusion relating to Audio, Visual and Data Electronic Equipment, also apply (1) We will pay only if the tapes, records, to coverage provided by this extension. compact discs, or other similar devices: In addition, the following exclusions (a) Are your property or that of a family apply: member; or We will not pay, under this extension, (b) Are the property of an "employee" for either any electronic equipment or using a covered "auto" in your accessories used with such electronic business affairs at the time of the equipment that is: "loss"; and (a) Necessary for the normal operation (c) Are in a covered "auto" which of the covered "auto" or the sustains other covered "loss" under monitoring of the covered "auto's" Comprehensive or Collision operating system; or coverage at the time of the "loss" to (b) An integral part of the same unit tapes, records, compact discs, or housing any sound reproducing other similar devices. equipment designed solely for the (2) The most we will pay for "loss" under reproduction of sound if the sound this Coverage Extension (4.c.) is $200. reproducing equipment is (3) Physical Damage Coverage provisions permanently installed in the apply to this coverage, except that any covered "auto" in the opening of the deductible applicable to dash or console normally used by Comprehensive or Collision coverage the manufacturer for the installation does not apply to this Coverage of a radio. Extension (4.c.). (3) Limit of Insurance d. Audio, Visual and Data Electronic With respect to coverage under this Equipment extension the Limit of Insurance (1) Coverage provision of Physical Damage Coverage is replaced by the following: (a) We will pay with respect to a covered "auto" described in the (a) The most we will pay for all "loss" to Schedule for "loss" to any electronic audio, visual or data electronic equipment that receives or equipment and any accessories transmits audio, visual or data used with this equipment as a result signals and that is not designed of any one "accident" is the lesser solely for the reproduction of sound. of: This coverage applies only if the (i) The actual cash value of the equipment is permanently installed damaged or stolen property as in the covered "auto" at the time of of the time of the "loss"; the "loss" or the equipment is (ii) The cost of repairing or removable from a housing unit replacing the damaged or which is permanently installed in stolen property with other the covered "auto" at the time of the property of like kind and quality; "loss", and such equipment is or designed to be solely operated by use of the power from the "auto's" (iii) $500. electrical system, in or upon the covered "auto". EA 99 11 05 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 3 of 6 (b) An adjustment for depreciation and When a Travel Trailer, "Camper" or Motor physical condition will be made in Home is a scheduled auto for physical determining actual cash value at damage coverage, we will pay up to $1,000 the time of the "loss". for "loss" to personal property belonging to (c) If a repair or replacement results in you or a family member that is within the better than like kind or quality, we Travel Trailer, "Camper" or Motor Home. will not pay for the amount of We will pay up to $250 for "loss" to personal betterment. property belonging to you or a family member that is outside the Travel Trailer, (4) Deductible "Camper" or Motor Home. No deductible applies to this coverage. (1) We will not pay for "loss" to: The insurance provided by this extension is (a) Articles carried or held for sale, excess over any other collectible insurance. storage or repairs, or for later e. Custom Signs and Decorations delivery; goods kept to show or sell; Physical Damage coverage on a covered or theatrical wardrobes. "auto" may be extended to "loss" to custom (b) Business, store of office furniture or signs and decorations including custom equipment. murals, paintings or other decals or (c) Records or accounts, money, graphics. bullion, deeds, contracts, evidences Our limit of liability for loss to custom signs of debt, securities, tokens or tickets, and decorations shall be the least of: stamps in current use or (1) Actual cash value of the stolen or manuscripts. damaged property; (d) Animals, private passenger "autos," (2) Amount necessary to repair or replace motorcycles, aircrafts, boats or any the property; or other motorized vehicles or their (3) $500. equipment, furnishings or appurtenances. f. Personal Effects Coverage (e) Equipment or accessories while (1) Physical Damage Coverage on a your Travel Trailer, "Camper" or covered "auto" may be extended to Motor Home is leased or rented to "loss" to your "personal effects" or, if any organization or any person you are an individual, the "personal other than you or a family member. effects" of a family member, that are in (2) The maximum we will pay for "loss" is the covered "auto" at the time of the the lesser of: "loss". (a) The actual cash value of the (2) "Personal effects" as used in this personal property at the time of extension means tangible property that "loss"; is worn or carried by the "insured". (b) The cost of repairing the damage; "Personal effects" does not include tools, jewelry, money, securities, radar or or laser detectors, or tapes, records, (c) The cost of replacing the damaged discs or similar audio, visual or data personal property with other electronic equipment. personal property of like kind, (3) The most we will pay for any one "loss" condition, quality and value. under this coverage extension is $500. L Vacation Expense Allowance No deductible applies to this extension. We will pay you $50 per day to a maximum The insurance provided by this extension is of $500 for extra expenses when a Travel excess over any other collectible insurance. Trailer, "Camper" or Motor Home is a scheduled auto for physical damage g. Camper Bodies coverage, and the Travel Trailer, "Camper" In the event of a "loss" to a detached or Motor Home: "camper," physical damage coverage will (1) Is damaged or destroyed and is apply as if it were part of the covered "auto" uninhabitable; and on which it is rated. (2) While being used for vacation purposes h. Contents of a Travel Trailer, Camper or within the policy period. Motor Home EA 99 11 05 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 4 of 6 Extra expenses must by supported by d. Subject to the above limit, deductible and receipts or other valid evidence. excess provisions, we will provide coverage The following is added to Paragraph A.: equal to the broadest coverage applicable to any covered "auto" you own. 5. Extra Expense -Broadened Coverage If a limit for Hired Auto Physical Damage is We will pay for the direct expense of returning a indicated in the Declarations, then that limit stolen covered "auto" to you. We will pay only replaces, and is not in addition to, the $50,000 for those covered "autos" for which you carry limit indicated above. Comprehensive or Specified Causes of Loss The following is added to Paragraph B.3.a.: Coverage. This coverage will only apply to vehicles recovered inside the 48 contiguous Airbag Coverage - Accidental Deployment United States. This coverage does not apply to However, this exclusion does not apply to the an "auto" we deem a total "loss". unintended inflation of an airbag if the inflation 6. Auto Loan/Lease Gap Coverage is caused by mechanical or electrical In the event of a covered total "loss" to a breakdown. covered "'auto" described or designated in the The following is added to Paragraph C.2. Schedule or in the Declarations, we will pay up New Vehicle Replacement Cost to $2,000 for any unpaid amount due on the lease or loan for a covered "auto" less: If, however, we deem a covered "auto" to be a total "loss" within 180 days of your purchase of the "auto" a. The Amount paid under the Physical and it has not been previously titled under the motor Damage Coverage section A.I. of the policy; and vehicle law of any state, we will pay at your option: a. the cost to replace the covered "auto" with a b. Any: new "auto" of like make, model and year; or (1) Overdue lease/loan payments at the b. an amount equal to the original purchase price time of the "loss"; you paid to acquire the vehicle, including taxes, (2) Financial penalties imposed under a but excluding any extended warranties and lease for excessive use, abnormal wear licensing fees. and tear or high mileage; This coverage applies only to a covered "auto" of (3) Security deposits not returned by the the private passenger, light truck or medium truck Lessor; type (20,000 lbs. or less gross vehicle weight). (4) Costs for extended warranties, Credit The following changes revise SECTION IV - Life Insurance, Health, Accident or BUSINESS AUTO CONDITIONS Disability Insurance purchased with the The following is added to Paragraph A.2.a.: loan or lease; and Amended Duties in the Event of an Accident, (5) Carry-over balances from previous Claim, Lawsuit or Loss loans or leases. However, this duty is only required when the 7. Hired Auto Physical Damage Coverage "accident" is known to: If hired "autos" are covered "autos" for Liability (1) You, if you are an individual; Coverage and if Comprehensive, Specified Causes of Loss or Collision Coverages are (2) A partner, if you are a partnership; provided under this coverage form for any (3) A member, if you are a limited liability company; "auto" you own, then the Physical Damage or Coverages provided are extended to "autos" (4) An executive officer or insurance manager, if you hire of like kind and use, subject to the you are a corporation. following: a. The most we will pay for any one "loss" is The following is added to Paragraph A.: $50,000 or the actual cash value or the cost 6. Blanket Waiver of Subrogation to repair and replace, whichever is less, We waive any right of recovery we may have minus a deductible; against any person or organization to the extent b. The deductible will be equal to the largest required of you by a written contract executed prior deductible applicable to any owned "auto" to any "accident" because of payments we make for for that coverage; damages under this coverage form. c. Hired Auto Physical Damage coverage is excess over any other collectible insurance; and EA 99 11 05 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 5 of 6 The following is added to Paragraph 13.2.: The following changes revise SECTION V - Unintentional Failure to Disclose Hazards DEFINITIONS Any unintentional failure to disclose all exposures or The following is added: hazards existing as of the effective date of the Q. "Camper" means a portable dwelling unit without Business Auto Coverage Form or at any time during axles or wheels that has been manufactured for the policy period will not invalidate or adversely attachment on the bed of a pickup truck to be used affect the coverage for such exposure or hazard. for casual travel or camping. However, you must report the undisclosed exposure or hazard to us as soon as reasonably possible after its discovery. Paragraph 13.5.b. is deleted and replaced with the following: a. For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own: (1) Any covered "auto" you lease, hire, rent or borrow; and (2) Any covered "auto" hired or rented by your "employee" under a contract in that individual "employee's" name, with your permission, while performing duties related to the conduct of your business. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto". The following is added to Paragraph 13.5. d. To the extent required by an "insured contract", this insurance is primary on behalf of the additional insured, and any other insurance maintained by the additional insured is excess and not contributory with this insurance. If the "insured contract" does not require this provision, then Paragraph a. above will apply. EA 99 11 05 13 Includes copyrighted material of Insurance Services Office, Inc., with its permission Page 6 of 6