Loading...
HomeMy WebLinkAboutInsurance Certificate: Quality Fence Co; Reliable Electric; Western Vinyl Products QUALFEN-01 JLARIOS ACORL7µ' CERTIFICATE OF LIABILITY INSURANCE DAT/18/2D/YYYY) 025 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 NAME: Portland Office PHONE FAX Marsh McLennan Agency LLC (A/C,No,Ext): (971) 888-7950 (A/C,No):(855) 883-6100 14900 SW Barrows Rd,Ste 202 ADDRESS: Beaverton,OR 97007 INSURERS AFFORDING COVERAGE NAIC# INSURERA:HDI Global Insurance Company 41343 INSURED INSURER B: Quality Fence Co Reliable Electric Western Vinyl Products INSURER C: Steve Rietmann INSURER D: PO Box 3985 Central Point,OR 97502 INSURER E: INSURER F: COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES.LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR TYPE OF INSURANCE ADDL SUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS LTR INSD WVD MMIDD/YYYY MMIDD/YYYY A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 CLAIMS-MADE X OCCUR HDI55CLO466835 14 11/19/2024 11/19/2025 DAMAGE TO RENTED 100,000 X PREMISES Ea occurrence $ MED EXP(Any oneperson) $ 5,000 PERSONAL&ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY X JECT1:1 LOC PRODUCTS-COMP/OPAGG $ 2,000,000 OTHER: $ A AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000 Ea accident $ ANY AUTO HDI55CLO466835 14 11/19/2024 11/19/2025 BODILY INJURY Perperson) $ OWNED SCHEDULED AUTOS ONLY X AUTOS BODILY INJURY Per accident $ X HIRED X NON-OWNED PROPERTY DAMAGE AUTOS ONLY AUTOS ONLY Per accident $ A X UMBRELLA LIAB X OCCUR EACH OCCURRENCE $ 2,000,000 EXCESS LIAB CLAIMS-MADE HDI55CLO466835 14 11/19/2024 11/19/2025 AGGREGATE $ 2,000,000 DED X RETENTION$ 10,000 $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS'LIABILITY Y/N STATUTE ER ANY PROPRIETOR/PARTNER/EXECUTIVE ❑ E.L.EACH ACCIDENT $ OFFICER/MEMBER EXCLUDED? N/A (Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ If yes,describe under DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $ A Leased/Rented Equip HDI55CLO466835 14 11/19/2024 11/19/2025 Occurrence 25,000 A Installation Floater HDI55CLO466835 14 11/19/2024 11/19/2025 Jobsite Limit 100,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required) City of Ashland-Public Works are hereby named as an additional insured per the attached forms MP9767 10/10. CERTIFICATE HOLDER CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE City of Ashland-Public Works THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ty ACCORDANCE WITH THE POLICY PROVISIONS. 90 North Mountain Ave Ashland,OR 97520 AUTHORIZED REPRESENTATIVE 41i'dw A,&o ACORD 25(2016/03) ©1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD COMMERCIAL GENERAL LIABILITY GC 20 40 07 20 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS FOR OTHER PARTIES WHEN REQUIRED IN WRITTEN CONSTRUCTION AGREEMENT (COMPLETED OPERATIONS) - INCLUDING PRIMARY/NON-CONTRIBUTORY AND WAIVER OF SUBROGATION This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Section II — Who Is An Insured is amended to B. With respect to the insurance afforded to these include as an additional insured: additional insureds, the following additional 1. Any person or organization for whom you have exclusion applies: performed operations when you and such This insurance does not apply to: person or organization have agreed in writing "Bodily injury"or"property damage" arising out of in a contract or agreement that such person or the rendering of, or the failure to render, any organization be added as an additional insured professional architectural, engineering or on your policy; and surveying services, including: 2. Any other person or organization you are 1. The preparing, approving, or failing to prepare required to add as an additional insured under or approve, maps, shop drawings, opinions, the contract or agreement described in reports,surveys,field orders,change orders or Paragraph 1. above. drawings and specifications; or Such person(s)or organization(s) is an additional 2. Supervisory, inspection, architectural or insured only with respect to liability for "bodily engineering activities. injury or property damage caused, in whole or in part, by"your work"performed for the additional This exclusion applies even if the claims against insured described in Paragraph 1.or 2.above and any insured allege negligence or other included in the "products-completed operations wrongdoing in the supervision, hiring, hazard". employment, training or monitoring of others by that insured, if the"occurrence"which caused the However, the insurance afforded to such "bodily injury" or "property damage" involved the additional insured described above: rendering of, or the failure to render, any a. Only applies to the extent permitted by law; professional architectural, engineering or and surveying services. b. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. Includes copyrighted material of Page 1 of 2 Insurance Services Office, Inc., used with its permission C. With respect to the insurance afforded to these (1) The additional insured is a Named Insured additional insureds, the following is added to under such other insurance; and Section III—Limits Of Insurance: (2) You have agreed in writing in a contract or The most we will pay on behalf of the additional agreement that this insurance would be insured is the amount of insurance: primary and would not seek contribution 1. Required by the contract or agreement from any other insurance available to the described in Paragraph A.1.; or additional insured. 2. Available under the applicable limits of E. WAIVER OF SUBROGATION insurance; The following is added to Paragraph 8.Transfer whichever is less. Of Rights Of Recovery Against Others To Us of Section IV—Conditions: D. PRIMARY AND NON-CONTRIBUTORY We waive any right of recovery against an The following is added to the Other Insurance additional insured under your policy because of Condition and supersedes any provision to the payments we make under this Coverage Part. contrary: Such waiver by us applies only to the extent that Primary And Noncontributory Insurance the insured has waived its right of recovery This insurance is primary to and will not seek against such person(s)or organization(s) prior to contribution from any other insurance loss. This endorsement applies only to an available to an additional insured under your additional insured under your policy. policy provided that: This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations. All other terms and conditions of this policy remain unchanged. Page 2 of 2 Includes copyrighted material of GC 20 40 07 20 Insurance Services Office, Inc., used with its permission ARTISANS ADVANTAGE ENHANCED COVERAGE ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. This endorsement modifies insurance provided under the following: BUILDING AND PERSONAL PROPERTY COVERAGE FORM CAUSES OF LOSS —SPECIAL FORM COMMERCIAL PROPERTY CONDITIONS COMMERCIAL GENERAL LIABILITY COVERAGE FORM When this endorsement is attached to the policy, insurance under the Building and Personal Property Coverage Form, the Causes of Loss— Special Form, the Commercial Property Conditions and the Commercial General Liability Coverage Form is enhanced to provide the coverages described in this endorsement. All other conditions of the policy continue to apply. This coverage is subject to the provisions applicable to the Building and Personal Property Coverage Form, Causes of Loss —Special Form, the Commercial Property Conditions and the General Liability Coverage Form. SCHEDULE Coverage Enhancements Limits of Insurance Each Location Property Coverage Premises Boundary 1,000 feet Property Coverage Extensions Newly Acquired or Constructed Property Buildings $500,000. at Each Building Business Personal Property $250,000. at Each Building Personal Effects and Property of Others $ 25,000. at Replacement Cost Valuable Papers and Records (Other than Electronic Data) $ 25,000. Property Off-Premises (Including Laptops and Other Electronic Equipment) $ 15,000. Outdoor Property (Named Perils) $ 1,000. per tree/shrub, max. limit$25,000. Non-Owned Detached Trailers $ 10,000. Accounts Receivable $ 50,000. Property in Transit (Including Laptops and Other Electronic Equipment) $ 15,000. Fine Arts $ 25,000. Property Additional Coverages Debris Removal $ 25,000. Fire Department Service Charge $ 5,000. Pollutant Clean-up and Removal $ 15,000. Electronic Data $ 25,000. Interruption of Computer Operations $ 15,000. Arson Reward $ 5,000. Water Back-Up and Sump Overflow $ 25,000. Brands and Labels $ 25,000. Employee Theft $ 10,000. Business Income Including Extra Expense $ 25,000. Business Income from Dependent Properties $ 10,000. Claims Expenses $ 10,000. Inventory or Appraisal Cost $ 5,000. Money and Securities Inside $ 10,000. Outside $ 5,000. Off Premises Power Failure—Direct Damage $ 10,000. Ordinance or Law Coverage Coverage A Included within Building Limit. Coverages B and C Combined 25% of Bldg. Limit, $150,000. maximum Outdoor Signs $ 10,000. Recharging of Fire Extinguishers $ 5,000. Unauthorized Business Card Use $ 5,000. Forgery or Alteration $ 10,000. Salespersons Samples $ 2,500. MP 97 67 04 23 Includes copyrighted material of Insurance Services Office, Inc.and Page 1 of 25 American Association of Insurance Services, Inc.,with their permission Inland Marine Coverages Installation Coverage $ 10,000. Contractors Equipment Coverages: Small Tools $ 5,000. (Maximum limit per item $1,000) Employee Small Tools $ 1,000. (Maximum limit per item $250) Leased and Rented Equipment $ 5,000. Rental Reimbursement $ 1,000. General Liability Additional Coverages Blanket Additional Insured (Including Primary Non-Contributing Coverage) Included in Each Occurrence Limit Mobile Equipment Broadened Coverage Included in Each Occurrence Limit Aggregate Limit Per Project Included in Each Occurrence Limit Blanket Waiver Included in Each Occurrence Limit Voluntary Property Damage Coverage $ 2,500. The following applies to coverages under this endorsement only. Property Coverage The phrase`within 100 feet of the described premises'used in Paragraphs a.(5)(b), b.and c.(2)underA.1.Covered Property of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM and Paragraph 2.c.(1) under C. Limitations of the CAUSES OF LOSS—SPECIAL FORM is replaced by the phrase `within 1,000 feet of the described premises'. Property Coverage Extensions Paragraph A.5. Coverage Extensions of the BUILDING AND PERSONAL PROPERTY COVERAGE FORM is deleted in its entirety and replaced by the following: 5. Coverage Extensions Except as otherwise provided, the following Extensions apply to property located in or on the building described in the Declarations or in the open (or in a vehicle) within 1,000 feet of the described premises. If a Coinsurance percentage of 80% or more or, a Value Reporting period symbol, is shown in the Declarations,you may extend the insurance provided by this Coverage Part as follows: a. Newly Acquired Or Constructed Property (1) Buildings If this policy covers Building,you may extend that insurance to apply to: (a) Your new buildings while being built on the described premises; and (b) Buildings you acquire at locations, other than the described premises, intended for: (i) Similar use as the building described in the Declarations; or (ii) Use as a warehouse. The most we will pay for loss or damage under this Extension is $500,000 at each building. (2) Your Business Personal Property (a) If this policy covers Your Business Personal Property,you may extend that insurance to apply to: (i) Business personal property, including such property that you newly acquire, at any location you acquire, at any location you acquire other than at fairs, trade shows or exhibitions; (ii) Business personal property, including such property that you newly acquire, located at your newly constructed or acquired buildings at the location described in the Declarations; or (iii) Business personal property that you newly acquire, located at the described premises. The most we will pay for loss or damage under this Extension is $250,000 at each building. (b) This Extension does not apply to: (i) Personal property of others that is temporarily in your possession in the course of installing or performing Page 2 of 25 Includes copyrighted material of Insurance Services Office, Inc.and MP 97 67 04 23 American Association of Insurance Services, Inc.,with their permission We will not reimburse you for the rental of equipment until after 72 hours have passed since the covered property was rendered inoperable. After 72 hours have passed, we will only reimburse you for the rental expense that you actually incur. The deductible of$500 does not apply to rental reimbursement expenses. General Liability Additional Coverages The following Additional Coverages are added to the COMMERCIAL GENERAL LIABILITY COVERAGE FORM. A. Blanket Additional Insured Coverage 1. SECTION II—WHO IS AN INSURED of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is amended to include as an insured any person or organization (referred to as Additional Insured)whom you are required to add as an Additional Insured on this policy under: a. A written contract or agreement; and b. Where a certificate of insurance showing that person or organization as an additional insured has been issued; and c. When the written contract or agreement and certificate of insurance are currently in effect or becoming in effect during the term of the policy and executed prior to the "bodily injury," "property damage," or "personal and advertising injury." 2. The insurance provided to the Additional Insured is limited as follows: a. The Additional Insured is only an additional insured for: (1) "Bodily injury,""property damage,"or"personal and advertising injury"caused in whole or in part by negligent acts or omissions of the Named Insured or anyone directly or indirectly employed by the Named Insured or for whose acts a Named Insured may be liable. (2) Liability arising out of your ongoing operations for the Additional Insured by or for you. A person's or organization's status as an insured under this coverage ends when your operations for that insured are completed. b. The Limits of Insurance applicable to the Additional Insured are those specified in the written contract or agreement but not more than the Limits of Insurance specified in the Declarations for this policy. The Limits of Insurance applicable to the Additional Insured are inclusive of and not in addition to the Limits of Insurance shown in the Declarations for the Named Insured. 3. In addition to the other exclusions applicable to Section I,Coverages A., B.and C.of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM, the insurance provided to the Additional Insured does not apply to: a. "Property damage"to: (1) Property owned, used, occupied by, loaned or rented to the Additional Insured; (2) Property in the care, custody or control of the Additional Insured or over which the Additional Insured are for any purpose exercising physical control; or (3) "Your work" performed for the Additional Insured. b. "Bodily injury," "property damage," or"personal and advertising injury" arising out of an architect's, engineer's or surveyor's rendering or failure to render any professional services for you, for the Additional Insured or for others, including, but not limited to: (1) The preparing, approving or failure to prepare or approve maps,drawings,opinions, reports,surveys, change orders, designs or specifications; or (2) Supervisory, inspection or engineering services. c. "Bodily injury" or"property damage" occurring after: (1) All work, including materials, parts or equipment furnished in connection with such work, on the project(other than service, maintenance or repairs) to be performed by or on behalf of the additional insured at the site of the covered operations has been completed; or (2) That portion of"your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project. 4. SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS, Paragraph 4. Other Insurance, is amended to add the following subparagraph: d. Additional Insured's Other Insurance As Excess Insurance MP 97 67 04 23 Includes copyrighted material of Insurance Services Office, Inc.and Page 21 of 25 American Association of Insurance Services, Inc.,with their permission 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. B. Mobile Equipment Broadened Coverage VA2.f.(1)of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM is replaced by the following: (1) Equipment designed primarily for: (a) Snow Removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning. Except the above provisions do not apply to self-propelled vehicles of less than 1,000 pounds gross vehicle weight which are not intended for use on a highway. C. Aggregate Limit Per Project The General Aggregate Limit under SECTION III —LIMITS OF INSURANCE of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM applies separately to each of your projects away from premises owned by or rented to you. D. Blanket Waiver Of Transfer Of Rights Of Recovery Against Others To Us The Transfer Of Rights Of Recovery Against Others To Us Condition (SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS) is amended by the addition of the following: We waive any right of recovery we may have against any person or organization to whom you by written contract or written agreement have waived your own right or recovery for loss caused by that person or organization because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a written contract or written agreement with that person or organization and included in the "products-completed operations hazard." This provision does not apply unless the written contract or written agreement has been executed prior to the"occurrence" or offense giving rise to the "bodily injury" or"property damage." E. Voluntary Property Damage Coverage 1. We will, at your request, pay but not defend any claim for "property damage" to the property of others otherwise excluded underA.2.j.(4), (5)and(6)of the COMMERCIAL GENERAL LIABILITY COVERAGE FORM provided that: a. Such "property damage" takes place while such property is in your care, custody or control, or is property of others over which you, for any purpose, are exercising or have exercised physical control; and b. Such "property damage"takes place away from any premises you own, rent or lease; and c. Such "property damage"takes place within the "coverage territory" and during the policy term; and d. Such "property damage"takes place only during your operations that are known to us, are scheduled on the policy and for which a premium has been charged. 2. The insurance under this additional coverage does not apply to "property damage"to property: a. Held by you for servicing, repair, storage or sale at premises owned by, rented or leased to you; b. While being transported by or caused by the ownership, maintenance, operation, use, "loading or unloading" of any "auto,"watercraft or aircraft; or c. Owned or occupied by or rented to you. 3. Deductible This additional coverage will apply only to that amount of any loss in each "occurrence"that exceeds$500. The terms of the policy with respect to your duties in the event of"occurrence," claim or "suit" and the Company's right to investigate, negotiate and settle any claim or "suit" apply irrespective of the application of the deductible amount of$500. We may pay any part or all of the deductible amount of $500 to effect settlement of any claim or "suit." Upon notification of the action taken, you must promptly reimburse us for such part of the deductible amount as has been paid by us. 4. Limits of Liability The Limit of Liability for this additional coverage shall not exceed $2,500 for each "occurrence" and is the limit of the Company's liability for all damages on account of each claim or"suit" covered herein. The annual aggregate Limit of Liability is $2,500 and is, subject to the above provisions respecting each claim, the total limit of the Company's liability for all damages. 5. Settlement Page 22 of 25 Includes copyrighted material of Insurance Services Office, Inc.and MP 97 67 04 23 American Association of Insurance Services, Inc.,with their permission COMMERCIALAUTO CCA 001 06 24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL AUTO ENHANCEMENT ENDORSEMENT This endorsement modifies insurance provided underthe following: BUSINESS AUTO COVERAGE FORM With respect to coverage provided by this endorsement,the provisions of the Coverage Form apply unless modified by the endorsement. A. SECTION II—COVERED AUTO LIABILITY COVERAGE The following amendments refer to Paragraph SECTION II —LIABILITY COVERAGE,A.1.Who Is An Insured, is amended by the addition of the following: 1. Broadened Named Insured Any organization you newly acquire or form, other than a partnership,joint venture or limited liability company, and over which you maintain ownership or majority interest, and there is no other similar insurance available to that organization. However, insurance provided by this provision: a. Is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Does not apply to "bodily injury" or"property damage" resulting from an "accident"that occurred before you acquired or formed the organization; c. Does not apply to an insured under any other automobile liability policy, or would be an insured under such a policy but for the exhaustion of such policy's limits of insurance or the termination of such policy; and d. No newly acquired or formed organization is an insured with respect to any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. 2. Employee Hired Auto An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in that"employee's" name,with your permission,while performing duties related to the conduct of your business. Under SECTION IV—BUSINESS AUTO CONDITIONS, B.5., Other Insurance, Paragraph b. is deleted and replaced with the following: b. 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". If Employee Hired Autos Coverage Form CA 20 54 is attached to this policy, then the Employee Hired Autos coverage described above does not apply. 3. Employees as Insured Any "employee" of yours is an "insured"while using a covered "auto"you don't own, hire or borrow in your business or your personal affairs. If Employees as Insured CA 99 33 is attached to this policy,then the Employees as Insured coverage described above does not apply. 4. Partners or Members as Insured CCA 001 06 24 Includes copyrighted material of Insurance Services Office, Inc., Page 1 of 4 with its permission Definition includes as an "insured" a partner(if you are a partnership) or a member(if you are a limited liability company)while using a covered "auto" owned by him or her or a member of his or her household in your business affair. If Partners or Members as Insureds CA 05 25 is attached to this policy, then the Partners or Members as Insureds coverage described above does not apply. 5. Blanket Additional Insured Any person or organization with respect to the operation, maintenance, or use, of a covered "auto"that you are required to include as additional insured on the Coverage Form in a written agreement or written "insured contract" that is signed and executed by you before the "bodily injury" or "property damage" occurs. However, such person or organization is an insured: a. Only for "bodily injury" or"property damage" caused by an "accident"which takes place after you executed the written agreement or written "insured contract"; b. Is in effect during the policy period; and c. Only for damages to which this insurance applies and only to the extent that person or organization qualifies as an "insured" under the Who Is An Insured provision contained in Section II. Under SECTION II — LIABILITY COVERAGE, A.2., Coverage Extensions, a. Supplementary Payments, Paragraphs a.(2)and a.(4)are deleted and replaced by the following: 6. Supplementary Payments a. Up to $5,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident"we cover. We do not have to furnish these bonds. b. All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $500 a day because of time off from work. B. SECTION III—PHYSICAL DAMAGE COVERAGE Under SECTION III —PHYSICAL DAMAGE COVERAGE,A.4.,Coverage Extensions,a. Transportation Expenses is deleted in its entirety and replaced with the following: 1. Transportation Expenses We will pay up to $50 per day, to a maximum of$1,500, for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private passenger type. We will pay only for those covered "autos" for which you carry either Comprehensive or Specified Causes Of Loss Coverage. We will pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and ending, regardless of the Policy's expiration, when the covered "auto" is returned to use or we pay for its "loss". Under SECTION III —PHYSICAL DAMAGE COVERAGE,A. Coverage, 4. Coverage Extensions,the last paragraph under b. Loss Of Use Expenses is replaced as follows 2. Loss of Use Expenses However,the most we will pay for any expenses for loss of use is$65 per day,to a maximum of$1,950. Under SECTION III—PHYSICAL DAMAGE COVERAGE,A.4.,Coverage Extensions,the following is added: 3. Theft Expense If Comprehensive Coverage is purchased on a covered "auto", and that covered "auto" is stolen, we will pay the expense of returning that stolen auto to you. The limit for this coverage extension is $2,500. 4. Rental Agency Expense We will pay the following expenses that you or any or your"employees" are legally obligated to pay because of a written contract or written agreement entered into for use of a rental vehicle in the conduct of your business: Maximum amount we will pay for any one written contract or written agreement: a. $2,500 for loss of income incurred by the rental agency during the period of time that vehicle is out of use due as a result of actual damage to, or"loss" of, that vehicle, including income lost due to absence of that vehicle for use as a replacement; b. $2,500 for decrease in trade-in value of the rental vehicle because of actual damage to that vehicle arising out of a covered "loss"; and CCA 001 0624 Includes copyrighted material of Insurance Services Office, Inc., Page 2 of 4 with its permission c. $2,500 for administrative expenses incurred by the rental agency, as stated in the written contract or written agreement. d. Maximum total amount payable under Paragraphs a., b. and c. combined is$7,500. 5. Hired Auto Physical Damage If hired "autos" are covered "autos" for Liability Coverage, and if Comprehensive, Specified Causes Of Loss, or Collision Coverage as provided under this Coverage Part,then coverage is extended to "autos"you hire without a driver, subject to the following: a. The most we will pay for "loss" to any hired "auto" is $50,000 or the actual cash value or cost to repair or replace, whichever is less, minus a deductible. b. The deductible will be equal to the largest deductible applicable to any owned "auto"for that coverage. Coverage provided by this extension applies only to"autos"you hire of the private passenger type or light truck (gross vehicles weight 10,000 pounds or less)type vehicles. If a limit for Hired Auto — Physical Damage is shown in the Declarations, then that limit replaces, and is not added to, the $50,000 limit indicated above. 6. Personal Effects We will pay up to $500 for"loss"to personal effects which are owned by an "insured"; and in or on your covered "auto." This coverage applies only in the event of the total theft of your covered "auto." No deductible applies to this coverage. For the purposes of this provision, "personal effects" mean tangible property that is worn or carried by an insured. "Personal effects"does not include tools, equipment,jewelry, money or securities. 7. Vehicle Vinyl Wrap We will pay up to $1,000 per occurrence in any 12 months in the case of a total loss for vinyl vehicle wraps displayed on the vehicle at the time of loss. Under SECTION III—PHYSICAL DAMAGE COVERAGE, B. Exclusions, Paragraph 3.a. is replaced as follows: 8. Airbag Coverage Wear and tear, freezing, mechanical or electrical breakdown. However, mechanical or electrical breakdown does not apply to the unintended discharge of an airbag.Any loss covered under this provision is excess over any other collectible insurance or warranty. Under SECTION III—PHYSICAL DAMAGE COVERAGE, D., Deductible,the following is added: 9. Glass Repair—Waiver of Deductible If Comprehensive Coverage or Specified Causes Of Loss Coverage is purchased on a covered "auto", no deductible shown in the Declaration applies to the cost of repairing damaged safety glass on the covered "auto(s)". 10. Parked Auto Collision Coverage—Waiver of Deductible The deductible does not apply to "loss" caused by collision to such covered "auto" of the private passenger type or light weight truck with a gross vehicle weight of 10,000 lbs. or less as defined by the manufacturer as maximum loaded weight the "auto" is designed to carry while it is: a. In the charge of an "insured"; b. Legally parked; and c. Unoccupied. The "loss" must be reported to the police authorities within 24 hours of known damage. The total amount of the damage to the covered "auto" must exceed the deductible shown in the Declarations. This provision does not apply to any "loss" if the covered "auto" is in the charge of any person or organization engaged in the automobile business. 11. Physical Damage Deductible—Vehicle Tracking System Any Comprehensive Deductible shown in the Declarations will be reduced by 50% for any"loss"caused by theft if the vehicle is equipped with a vehicle tracking device such as a radio tracking device or a global position device and that device was the method of recovery of the vehicle. CCA 001 06 24 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 4 with its permission C. DEATH BENEFIT 1. We will pay a supplementary death benefit equal to $10,000 per person because of death caused by an "auto" "accident"and sustained by an "insured". We will pay the benefit if death from an "auto" "accident" occurs within three years of the date of such "accident". 2. The "beneficiary" must furnish us with proof of death of the "insured", accompanied by a police report or other suitable proof. 3. Any amounts payable under the supplementary death benefit shall not be reduced by any other amounts paid or payable under this policy. 4. "Beneficiary" means (in order of priority of payment): a. The surviving spouse if a resident in the same household as the deceased at the time of the "accident"; or b. If the deceased is an unmarried minor, either of the surviving parents who had legal custody at the time of the "accident"; or c. The estate of the deceased D. SECTION IV—BUSINESS AUTO CONDITIONS Under SECTION IV — BUSINESS AUTO CONDITIONS, B. General Conditions, Paragraph 2. Concealment, Misrepresentation Or Fraud, is amended by the addition of the following: 1. Unintentional Failure To Disclose Hazards The unintentional omission of, or unintentional error in, any information given by you shall not prejudice your rights under this insurance. However, this provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal. Under SECTION IV — BUSINESS AUTO CONDITIONS, A.2. Duties In The Event Of Accident, Claim, Suit Or Loss, Paragraph 2.a., is deleted and replaced with the following: 2. Duties In The Event Of Accident,Claim,Suit Or Loss In the event of"accident", claim, "suit" or"loss", you must give us or our authorized representative prompt notice of the "accident" or"loss" after it becomes known to: a. You, if you are an individual; b. A partner or member, if you are a partnership or joint venture; c. A member or manager, if you are a limited liability company; or d. An executive officer or insurance manager if you are an organization other than a partnership, joint venture or limited liability company. Notice should include the following: a. How,when and where the"accident"or"loss"occurred; b. The"insured's" name and address; and c. To the extent possible,the names and addresses of any injured persons and witnesses.Your"employees" may know of an "accident", claim, "suit"or"loss". This will not mean that you have such knowledge of an "accident", claim, "suit" or"loss". CCA 001 06 24 Includes copyrighted material of Insurance Services Office, Inc., Page 4 of 4 with its permission COMMERCIAL AUTO CA 04 49 11 16 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY - OTHER INSURANCE CONDITION This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A. The following is added to the Other Insurance B. The following is added to the Other Insurance Condition in the Business Auto Coverage Form Condition in the Auto Dealers Coverage Form and and the Other Insurance— Primary And Excess supersedes any provision to the contrary: Insurance Provisions in the Motor Carrier This Coverage Form's Covered Autos Liability Coverage Form and supersedes any provision to Coverage and General Liability Coverages are the contrary: primary to and will not seek contribution from any This Coverage Form's Covered Autos Liability other insurance available to an "insured" under Coverage is primary to and will not seek your policy provided that: contribution from any other insurance available to 1. Such "insured" is a Named Insured under such an "insured" under your policy provided that: other insurance; and 1. Such "insured" is a Named Insured under such 2. You have agreed in writing in a contract or other insurance; and agreement that this insurance would be 2. You have agreed in writing in a contract or primary and would not seek contribution from agreement that this insurance would be any other insurance available to such primary and would not seek contribution from "insured". any other insurance available to such "insured". CA 04 4911 16 ©Insurance Services Office, Inc., 2016 Page 1 of 1 COMMERCIAL AUTO CA 04 43 11 20 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US (WAIVER OF SUBROGATION) - AUTOMATIC WHEN REQUIRED BY WRITTEN CONTRACT OR AGREEMENT This endorsement modifies insurance provided under the following: AUTO DEALERS COVERAGE FORM BUSINESS AUTO COVERAGE FORM MOTOR CARRIER COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. The Transfer Of Rights Of Recovery Against Others To Us Condition does not apply to any person(s) or organization(s) for whom you are required to waive subrogation with respect to the coverage provided under this Coverage Form, but only to the extent that subrogation is waived: A. Under a written contact or agreement with such person(s) or organization(s); and B. Prior to the "accident" or the 'loss." CA 04 43 11 20 © Insurance Services Office, Inc., 2019 Page 1 of 1