HomeMy WebLinkAboutInsurance Certificate: Scelzi Enterprises, Inc.(2) SCELENT-01 BLOOSIGIAN
R� CERTIFICATE OF LIABILITY INSURANCE DATE
A E(MM/ 026
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 License#OE02096 CONTACT Blair Loosigian
NAME: ----------- ____ -----
DiBuduo&DeFendis Insurance Brokers,LLC PHtONE FAX
Exry: ( (Arc,No}:
6873 N.West Ave,Ste 101
E-MAIL . an u.com
Fresno,CA 93711 - AILADDRESS,_ blairloosii dib
_ g
INSURERS.AFFORDING COVERAGE______ NAIC#_.
_ INSURER A:Fireman's Fund Insurance Co. 21873
INSURED INSURER B:Arch Insurance Company _ _11150
Scelzi Enterprises,Inc. INSURERC Znat Insurance Company _�30120 _
2286 E_Date Ave. INSURER D
Fresno,CA 93706
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 MMtDD MM/DD
A X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000'OOO
CLAIMS-MADE "- OCCUR USC015795260 5/1/2026 5t1t2027 DAMAGE TO RENTED 100,000
_ X X PREMISES Ea occurrence $ S,OOO
_ MED EXP An one person) $
PERSONAL&ADV INJURY $ 1,000,000
hlEN1 AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000
POLICY PRO-
JECT E LOC PRODUCTS-COMPIOPAGG $ 2,000,000
OTHER: $
B AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000
Ea accident $
X ANY AUTO X X .71CAB5310101 5t1t2026 5/1/2027 BODILY INJURY tiler person} $
OWNED SCHEDULED
AUTOS ONLY AUTOS BODILY INJURY(Per accident $
HIRED NON-OWNED PROPERTY DAMAGE
.
AUTOS ONLY AUTOS ONLY (Per accident) _ $
A X UMBRELLA LIAR X OCCUR EACH OCCURRENCE Is 10,000,000
EXCESS LIAR CLAIMS-MADE' ! USCO1183326U 5t1t2026 511/2027 AGGREGATE $ 10,000,000
DED FIRETENTION$ ( $
C WORKERS COMPENSATION X PER OTH-
AND EMPLOYERS'LIABILITY PER
ER _
Y� E.L.EACH ACCIDENT $
M1225509 3/112026 3/112027 1,000,000
ANY PROPRIETOR/PARTNERIEXECU I IVE NIA
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $ 1,000,000
If yes,describe under 1,000,000
DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $
B �Garagekeepers Liab 71CAB5310101 51112026 5t1(2027 Direct Primary
B Dealer Physical Damg 71CAB5310101 5t1/2026 5/1/2027 Comp/Coll$500 Ded 6,000,000
DESCRIPTION OF OPERATIONS I LOCATIONS 1 VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required)
City,its officers,agents,volunteers and employees are named additional insured with respect to General Liability per attached form CG71930319 and Auto
Liability per attached form CA70181014.Waiver of subrogation applies to General Liability per attached form CG71930319 and Auto Liability per attached for
CA70181014.This insurance is primary and non-contributory per attached form CG71930319(General Liability)and CA70181014(Auto Liability).Certificate
holder is named as loss payee per as respects Garagekeepers Legal Liability per form CA99371013(Direct Primary/Comp&Collision)with a six million dolla
limit.Contractor's insurance coverage will be primary insurance with respect to City,its officers,agents,volunteers and employees per attached form
CG71930319(General Liability)and CA70181014(Auto Liability)and any insurance or self-insurance maintained by the City will be in excess of Contractor's
insurance and not contributory with it.Contractor will furnish certificates of insurance and endorsements to City prior to City's execution of this Agreement.
CERTIFICATE HOLDER CANCELLATION
City of Ashland SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
20 E Main St THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Ashland OR 97520-1814 ACCORDANCE WITH THE POLICY PROVISIONS.
.AUTHORIZED REPRESENTATIVE
ACORD 25(2016/03) O 1988-2015 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
'0�
Allianz
@9
MuUtiCover@ _ Without Medical Payments - CG 71 93 03 19
Po|ioyAmendment(a)Commercial General Liability Coverage Form
Your Commercial General Liability Coverage Form is revised aafollows:
1. Broadened Named Insured
A. SECTION 11 -WHO IS AN INSURED, item 3., is deleted and replaced by the following:
3. Any organization that you own at the inception of this policy, or newly acquire or form during the policy
pehod, and over which you maintain during the policy period majority ownership or majority in1erest,
will qualify as m Named Insured it
a. There iano other similar insurance available ho that organization; and
b. The first Named Insured shown in the Declarations has the responsibility of placing insurance for
that organization; and
c. That organization is incorporated or organized under the laws of the United States of America.
However:
(1) Coverage under this provision 3 is afforded only until the next occurring annual anniversary of the
beginning of the policy period shown in the Declarations, or the end of the policy period,whichever
isear|iecand
.
(2) Coverage A does not apply to bodily injury or property damage that occurred before you acquired
or formed the organization; and
(3) Coverage B does not apply to personal and advertising injury arising out of an offense committed
before you acquired or formed the organization.
B. SECTION 11 -WHO IS AN INSURED, the last paragraph, is deleted and replaced by the following:
No person or organization is an insured with respect to the conduct of any current or past partnership,joint
venture. or limited liability company that is not shown as u Named Insured in the Declarations. However,
this does not apply to a limited liability company that meets all of the conditions in Section || ' Who Is An
Insured, item 3.. above.
2. Additional Insured
If an Additional Insured endorsement is attached to this policy that specifically names a person or organization
as an additional insured, then this Section 2. Additional Insured does not apply to such person or organization.
SECTION || WHO |SAN INSURED, subsection 2.o . iu added anfollows:
e. Any person or organization is included as an additional insuned, but only to the extent such person or
organization is legally obligated to pay for bodily injury, property damage or personal and advertising
injury caused by your acts or omissions.With respect to the insurance afforded to such additional insured,
all of the following additional provisions apply:
(1) You have agreed in a written insured contract that such person or organization be added as an
additional insured under this policy;
(2) The bodily irjury, property damage or personal and advertising injury for which said person or
organization is legally obligated to pay occurs subsequent to the execution of such insured contract;
(3) The most we will pay is the lesser of eitherthe amount of insurance available under the applicable Limits
of Insurance shown in the Declarations or the limits of insurance required by the insured contract;
(4) The insurance afforded to such additional insured only applies to the extent permitted by law;
Con93os,p
Copyright D 2019^m°""Global Risks uo Insurance Company.All tights reserved.
Alflanz
Q!)I
(5) Such person or organization ison additional insured only with respect to:
(a) Their mmnemhip, mein|enunoe, or use of that part of the premises, or |end, owned by, rented to,
or leased to you, except such person or organization is not an insured with respect to structural
o|Kan$ionu, new construction or demolition operations performed byuron behalf ofsuch person
or organization;
(b) Your ongoing operations performed for that insured;
(c) Their financial control o[you, except such person or organization isnot an insured with respect to
structural alterations, new construction or demolition operations performed by or on behalf of such
person ororganization;
(d) The mainienanue, operation or use by you of equipment leased to you by such person or
organization;
(a) Operations performed by you o/on your behalf and for which a state or political subdivision has
issued a permit, provided such operations are not performed for such state or political subdivision,
and are not included within the products-completed operations hazard; or
(f) Their liability aou grantor o[u franchise Loyou.
(8) This insurance does not apply to bodily injury, property damage, personal and advertising injury,
occurrence oroffense:
(a) Which takes place ota particular premises after you cease k`boa tenant cd that premises;
(b) Which takes place after all work, including matahu|a, parts or equipment furnished in connection
with such work to be performed by or on behalf of the additional insured at the site of the covered
operations, has been completed;
(o) Which takes place after that portion of your work out of which the injury or damage ahnmu has
been put to its intended use by any other person or organization other than another contractor or
subcontractor engaged in performing operations for a principal as part of the same project; or
(d) Which takes place after the expiration of any equipment lease to which (4)(d)above applies;
(7) With respect to architects, engineers or surveyors,coverage does not apply to bodily injury, property
damage or personal and advertising injury arising out of the rendering or failure to render any
professional services byor for you, including:
(a) The preparing,approving,or failing to prepare or approve, maps,shop drawings,opinions,reports,
surveys,field orders, change orders, or drawings and specifications; or
(b) Supervisory, inspection, architectural, or engineering services.
These exclusions apply even if the claims against any insured allege negligence or other wrongdoing in the
supervision, hiring,employment,training or monitoring of others by that insured, if the occurrence which caused
the bodily injury or property damage,or the offense which caused the personal or advertising injury,involved
the rendering of or the failure to render any professional services by or for you.
3. Additionu| |nmuned -Vendors
If an Additional Insured Vendors endorsement is attached to this policy that apaoiDna||y names a person or
organization as an additional insured, then this Section 3. Additional Insured Vendors does not apply tothat
person ororganization.
Unless the products-completed operations hazard is excluded from this policy, SECTION || WHO IS AN �
INSURED, item 2tio added emfollows: �
[ Any vendor of yours is included as an additional insured, but only with respect to bodily injury or property �
damage caused by your products which are distributed or sold in the regular course of the vendor's
business, subject bu the following additional exclusions:
cor'en`,v
Copyright w20m^m==Global Risks vu Insurance Company.All rights reserved.
»�»
����� ���� ��� Q!)I
(1) The insurance afforded such vendor does not apply to:
(o) Bodily injury or property damage for which the vendor is obligated to pay damages by reason of
the assumption of liability in a contract or agreement. This exclusion does not apply to liability for
damages that the vendor would have in the absence of the contract or agreement;
(b) Any express warranty unauthorized byyou;
(c) Any physical or chemical change in the product made intentionally by the vendor;
(d) Repackaging, unless unpacked solely for the purpose of inspection, demonstration, testing, or the
substitution of parts under instructions from the manufacturer, and then repackaged in the original
container;
(e) Any failure to make such inspectione, adjuoimenta, tests urservicing as the vendor has agreed
to make or normally undertakes to make in the usual course of business, in connection with the
distribution or sale ofthe products;
(f) Demonsinabon, inataUa1ion, servicing or repair operations, except such operations performed by
the vendor in full compliance with the manufacturer's written instructions at the vendor's premises
in connection with the sale of the pnnduc1�
(g) Products which, after distribution or sale by you, have been labeled or relabeled or used as a
container, part or ingredient of any other thing or substance by or for the vendor; or
(h) Bodily injury or property damage arising out of the liability of the vendor for its own acts or
omissions or those of its employees or anyone else acting on its behalf.
(2) This insurance does not apply to any insured person or organization from whom you have acquired such
products or any ingredient, part or container, entering into,accompanying or containing such products;
(3) The most we will pay is the lesser of either the amount of insurance available under the applicable
Limits of Insurance shown in the Declarations or the limits of insurance required by the contract or
agreement; and
(4) The insurance afforded to such vendor only applies to the extent permitted by law.
4. Additional Insured-Limited Primary and Noncontributory Provision
The following is added as a second paragraph to Section IV Conditions, Condition 4. Other Insurance,following
ponaAmphb.(2):
However, if you have added any person, organization or vendor of yours as an additional insured to this policy
by way of this Mu|iiCoverg) endorsement and have agreed in m written insured contract that this insurance is
primary and non-contributory with other insurance available to that additional insured, this insurance is primary
and we will not seek contribution from such additional inaured's other insurance, provided that the additional
insured isu Named Insured under such other insurance.
5. Waiver ofSubrogation
SECTION |V COMMERCIAL GENERAL LIABILITY CONDITIONS, item 8., is deleted and rop|mood by the
following: ----
8. Transfer of Rights of Recovery Against Others to Us and Blanket Waiver of Subrogation
a. If the insured has rights to recover all or part of any payment we have made under this Coverage Part,
those rights are transferred to us. The insured must do nothing after the loss to impair those rights.At
our request, the insured will bring suit or transfer those rights to us and help us enforce them.
b. If required by written insured contract executed prior to the occurrence or oUenae, we waive any
right of recovery we may have against any person or organization named in such insured omntrout,
because of payments we make for injury or damage arising out of your operations or your work for
that person ororganization.
oer1,`o,`o
Copyright `y^m=z Global Risks vo Insurance Company.All rights reserved.
Allianz
(S
6. CanceUabon -SOUays
Common Policy Conditions endorsement |L0017. A. Cancellation, item 2b. is deleted and replaced by the
following:
b. 90 days before the effective date of cancellation if we cancel for any other reason.
7� Liberalization
SECTION IV - COMMERCIAL GENERAL LIABILITY CONDITIONS, the following is added as an additional
Condition:
Liberalization
If we adopt a change in our forms or rules which would broaden the coverage provided by any form that is a part
of this policy without an extra premium charge, the broader coverage will apply to this policy. This extension is
effective upon the approval of such broader coverage in your state.
8. Fire, Explosion,Sprinkler Leakage, or Lightning Legal Liability Coverage
A. SECTION | COVERAGES. COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2.
Exclusions,the last paragraph, ia deleted and replaced by the following:
Exclusions c.through n.do not apply to damage by fire,explosion,sprinkler leakage,or lightning to premises
while:
1� Rented to you;
2. Temporarily occupied by you with the permission of the owner; or
5. Managed by you under o written agreement with the owner.
A separate limit of insurance applies to this coverage as described in Section III -LIMITS OF INSURANCE.
Q. SECTION U| 'LIMITS OF INSURANCE, item 0, is deleted and replaced by the following:
O. Subject to5. above. the Damage to Pnenieae Rented TbYou Limit shown in the Declarations, for
property damage to any one premises while rented to you,or in the case of damage by fire,explosion,
sprinkler leakage, or lightning while vented to you, temporarily occupied by you with the permission of
the owner, or managed by you under a written agreement with the owner, is the greater of:
a. $1.OUU.O00 Any One Premises; nr
b. The Damage Tb Premises Rented lb You Limit shown in the Declarations.
C. SECTION |V COMMERCIAL GENERAL LIABILITY COND|T0NS, 4. Other Insurance, b. Excess
Insurance, (1)(a), items (I)and (iii), are deleted and replaced by the following:
(i) That is Qve. Exp|osion, Sprinkler Leakage or Lightning insurance for premises while rented to you,
temporarily occupied by you with permission of the owner,or managed byyou undera written agreement
with the owner; �
(iii) That is insurance purchased by you to cover your liability as a tenant for property damage to premises �
rented to you,temporarily occupied by you with the permission of the owner,or managed by you under
o written agreement with the owner; or �
O. SECT|ONV-DEFINITIONS, S. Insured Contract, item a., is deleted and replaced by the following: �
(o) A contract for a lease of premises. However, that portion of the contract for a lease of premises that
indemnifies any person or organization for damage by fire, explosion, sprinkler leakage, or lightning to
premises while rented to you, temporarily occupied by you with permission of the owner, or managed
by you under a written agreement with the owner, io not on insured contract,
9. Damage to Invitees' Automobiles from Failing Trees or Tree Limbs-Limited Coverage
oar`93mm
Copyright @ ^Allianz Global Risks uu Insurance Company.All rights reserved.
THIS ENDORSEMENT CHANGES THE POLICY- PLEASE READ IT CAREFULLY.
FLEETCOVERO ENDORSEMENT- CA 70 18 10 14
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
MOTOR CARRIER COVERAGE FORM
k Broadened Named Insured
Section || — Covered Autos Liability Coverage, A. Coverage, 1. Who Is An Insured, the
following ixadded:
Any organization you own on the inception of this po|icy, or newly acquire or form during the
policy period, and over which you maintain during the policy pehod, majority ownership or
majority interest will qualify asm Named Insured if:
(1) There iano other similar insurance available io that organization; and
(2) The first Named Insured shown in the Declarations of this policy has the responsibility of
placing insurance for that organization; and
(3) The organization is incorporated or organized under the laws of the United States of America.
However:
(a) Coverage under this provision ia afforded only until the next occurring 12 month anniversary
of the beginning of the policy period shown in the Deo|an4ions, or the end of the policy
pmhud. whichever is earlier;and
(b) Coverage under this provision dues not apply to bodily injury or property damage that
results from an acuidunt that occurred before you acquired or formed the organization;
and
(o) No person or organization is an insured with respect to any current or past partnership,
or joint venture that is not shown aa a Named Insured in the Declarations; and
(d) Coverage under A.(1), (2) and (3)above does not apply to any organization that is covered
as an insured under any other automobile liability insurance policy whose limits of
insurance have been exhausted or whose insurer has become insolvent.
B. Broadened Who Is an Insured
1. Form CA0001 (if attached N this policy), Section || — Covered Autos Liability Coverage, A.
Covanage. 1. Who |uAnInsured, item b.(2) is deleted, and d. ie added axfollows:
d. Your employee while using his owned auto, oran auto owned by a member of
his or her househoN, in your business or your personal affaim, provided you do not
mmn. hire orborrow that auto.
2. Form CA0020 (if attached to this policy), Section || — Covered Autos Liability Coverage, A.
Cowsnage, 1. Who Is An |nsunad, item b.(2) is da|utad, and t is added as follows:
t Your employee or agent while using his owned private passenger type auto. or
CA78181O14 Page 1of1O
n private passenger type auto owned bya member of his or her household, inyour
business or personal mfais, provided you do not own, hinn, or borrow that auto.
C. Additional Insured Coverage and Waiver o( Subrogation
1 Form CA0001 (if attached to this policy), Section || — Covered Autos Liability Covenage, A.
Coverage, 1. VVho Is An |naured, the following is added as item e.; and form CA0020 (if
attached to this policy), Section || — Covered Autos Liability Covenago, A. CovonaQe, 1.
Who |eAnInsured; the following ia added as item g.:
Any person or organization with respect to the operation, maintenance,or use, of a covered
auto, provided that you and such person or organization have agreed under an expressed
provision in a written insured contract orwritten agrmmment, or a written permit issued
to you by u governmental or public authuri1y, to add such person' organization, or
governmental or public authority iothis policy aoan insured.
However, such person or organization iyaninsured:
(1) Only with respect to the operohon, mainkananca, or use, of a covered auto; and
(2) Only for bodily injury or property damage caused by an accident which takes
place after:
(a) You executed the insured contract orwritten agreement; or
(b) The permit has been issued \uyou.
2. Form CA0001 (if attached to this policy), Section |V Business Auto Condidono, A. Loss
Conditions, item 5.; and form CA0020 (if attached to this policy), Section V - Motor Carrier
Conditions, A. Loss Conditions, item S.;the following isadded:
Waiver ofSubrogation
|f required byu:
a. Written insured contract or written agreement executed prior to the accident; or
b. VVh#en permit issued to you by a governmental or public authority prior to the �
accident;
we waive any right of recovery we may have against any person or organization named
|n such contract, agreement orpermit, because of payments vve make for injury ordamage �
arising out of the ownership, maintenance or use ofa covered auto. �
D. Auto K4odioa| Payments Increased Limit
For each covered auto described in the Declarations or shown in the Schedule as having
Auto KJndioa| Payments Coverage, the Medical Payments Limit u[ Insurance for those autos is
revised to the greater of:
1. $5.000;or
2. The limit shown in the Declarations.
E� Hired Auto Physical Damage Coverage and Loss of Use Expenses Hired Auto Physical Damage
C/\7O181014 Page 2of10
Coverage If Physical Damage Coverage is provided by this policy on your owned covered
auton, the following applies:
Any auto that you leuae, hine, n*rt or borrow without a driver, will be covered under this policy
for Physical Damage Coverage. However any such auto:
1. Will be covered only for the same Physical Damage Coverage that applies to your owned
covered autos;
2. Will be subject to the same applicable deductible shown in the Declarations that applies
10 your most similar owned covered auto, except any Comprehensive Coverage deductible
does not apply to loss caused by fire or lightning; and
3. The most we will pay for any one loss in any one accident ia the lesser of the following:
a. Actual ouah value of the damaged or stolen property as of the time of the loss
as determined by us; or
b. The cost of repairing or replacing the damaged or stolen property with other property
of like kind and quality.
In addition, wewill pay costa and fees associated with such covered loss only for m maximum
time period of seven days beginning with the date of loss, subject to a maximum of$500.
However:
1. If form CA0001 is attached to this policy, this coverage does not apply to autos you lease,
hin+, rent or borrow from any of your employees, partners (if you are a partnerahip),
members (if you are a limited liability company) or members of their households; and
2. If form CAOU2Uisattached to this policy, this coverage does not apply hzany private
passenger type auto you |eooa, hin*, rent or borrow from any member of your household,
any of your employees, partners (if you are a partnership), members (if you are a limited
liability company), or agents or members of their households.
Hired Auto Loss mfUse Expenses
FonnCAOOO1 (if attached to this po|icy), Section III - Physical Damage Coverage, & Coverage,
4. Coverage Extension, b. Loss of Use Expenses; and form CA0020 (if attached to this policy),
Section |V - Physical Damage Covemge, A. Cuvenage, 4. Coverage Extension. b. Loss of Use
Expenses; ia deleted and replaced by the following:
b. For Hired Auto Physical Oamage, we will pay expenses for which an Insured becomes
legally responsible to pay for |ouu of use of u vehicle rented or hired without a driver.
under m written rental contract oragreement. VV* will pay for loss o[use expenses ifcaused
by:
(1) Other than collision only ifthe Declarations indicate that Comprehensive Coverage
is provided for any covered auto;
(2) Specified Causes of Loss only if the Declarations indicate that Specified Causes of
Loss io provided for any covered auto; or
(3) Collision only if the Declarations indicate that Collision Coverage is provided for
any covered auto.
CAY01O1014 Page 3uf10
However, the most we will pay for any expenses for loss of use is $100 per day, to u
maximum of$1.UOO.
F� Coverage Territory - Hired Auto
1 Form CA0001. (if attached to this policy), Section |V ' Business Auto Condhions, B.
Sanom| Conditions, 7. Policy Pohod, Coverage Tenitory, b.(5) is deleted and replaced by
the foUmwing�
(5) Anywhere in the world if covered auto of the private passenger type is |eeaed,
hirmd, rented or borrowed without a driver for a period of180 days or {eum.
2. Form CA0020 (if attached to this policy), Section V Motor Carrier Condidona, B.
General Condiiions, 7. Policy Period, Coverage Tenitory, b.(5) is deleted and replaced by
the following:
(5) Anywhere in the mmdd if covered auto of the private passenger type is |uuued.
hired, rented nr borrowed without a driver for a period o[1OO days orless,
G. Communication Equipment Coverage
Form CA0001 (if attached to this policy), Section ||| ' Physical Damage Covmruga, C. Limits of
|nsuxanoe. Paragraph 1.b.; and form CA0020 (if attached to this policy), Section |V Physical
Damage Coverage, C. Limits of |naumnue. Paragraph 1.b.; is deleted and replaced by the
following:
b. All electronic equipment that reproduces , receives or transmits audio, visual or data signals
in any one loss ia$1.5OO. if, ut the time of loss, such electronic equipment is:
H. Topma, Records, CDs and DVD Coverage
The Physical Damage Coverage Section is amended as follows:
1. The exclusion referring to topes, naoordu, discu, or other similar audio, visual or data
electronic devices designed for use with audiu, visual or data electronic equipment does not
apply.
2. Under Comprehensive Coverage Form CA0801 (if attached to this policy), Section III-
Physical Damage Coverage, A. Coverage; and form CA0020 (if attached to this policy),
Section |V- Physical Damage Coverage, A. Coverage;the following isadded:
We will pay for |usa to 1epes, recordu, discs or other similar devices used with audio,
visual or data electronic equipment. We will pay only if the tapes, neconda, discs or other
similar audio, visual or data electronic devices: �
a. Are your pnuperty, or that of family member; and �
b. Are in a covered auto at the time of loss.
The most wm will pay for loss is$2G0. No deductible applies to this coverage.
|, Personal Effects Coverage
FormCAOOU1 (if attached |o this po|icy). Section III Physical Damage Covemge, A. Cov*nage,
Coverage Extensions; and form CA8020 (if attached to this po|ioy). Section |V Physical Damage
CA7O181U14 Page 4of1U
Coverage, A. Coverage, 4. Coverage Extensions; hem c. is added as follows:
C. Personal Effects Coverage
We will pay up to $500 for loss for clothing Umma or other personal effects that are
owned byun insured and are inan Owned auto at the time ofa covered loss.
Pnmnnm| Effects do not include audio visual or electronic devicoo, monoy, gift cards,
securities,jewelry, ortools.
This coverage is excess over any other collectible insurance. No deductible applies to this
coverage.
J. Airbag Coverage
1. Form CA0001 (if attached to this policy), Section ||| - Physical Damage Coverage, B.
Exclusions, 3.a.; and form CA0020 (if attached to this policy), Section |V Physical Damage
Coverage, B. Exclusions, 4.u.;the following is added:
However, mechanical breakdown does not mean the unintended discharge of on airbag.
provided that any |nas covered under this provision is excess over any other collectable
insurance or warranty designed to cover such unintended discharge.
K. Rental Reimbursement
FonnCA0O81 (if attached to this policy), Section III - Physical Damage Coverage, A. Covemge,
4. Coverage Extensions; and form CA0020 (if attached to this policy), Section |V - Physical
Damage CuvemAe, A. Covmnage, 4. Coverage Extensions; item d. is added as follows:
d� Rental Reimbursement or Transportation Expenses
If |ouo occurs to a covered auto described or designated in the Declarations or Schedule
and covered for Physical Damage Coverage,we will pay for rental expenses for the nania|
of similar replacement auto and additional transportation expenses, incurred by you. This
payment applies in addition to the otherwise applicable amount of each coverage you have
on the covered auto. No deductible applies lo this coverage. However
(1) We will pay only for those expenses incurred by you that begin 24 hours after
the covered loss.
(2) We will cease paying for those oxpenoeo, regardless ofthe policy's expiration date,
at the earlier of the following dates:
(o) The number of days reasonably required to repair or replace the covered
auto. If loss is caused by thmK, this number of days is added to the number
of days i(takes to locate and return the covered auto to you; or
(b) 45 days from the date this coverage begins.
(3) Our payment is limited io the lesser of the following amounts:
(a) Necessary and actual expenses incurred by you; or
CA70 18 10 14 Page 5of10
(b) $1.500.
(4) This coverage does not apply while there are spare or reserve autos available to you
for your operations.
(5) If loss results from the total theft ofacovered private passenger type auto (if
CA0020ia attached to this po|icy), or u covered private passenger auto (ifCAUUO1
is attached to this po|ioy), we will pay under this coverage only that amount of your
covered rental expenses or additional transportation expenses which are not already
provided for under the Physical Damage Coverage Extensions.
L. Extended Towing Coverage
1 Form CA8001 (if attached to this policy), Section I|| Physical Damage Coverage,
A. Coverage, 2. Towing And Labor, ie deleted and replaced by the following:
2 Extended Towing
We will pay up to $750 per disablement for towing and labor costs you incur each
time your covered auto ia disabled. However:
a. All labor must be performed at the place of disablement; and
b. U the covered auto is of the private passenger iypo, no deductible applies;
and
o� If the covered auto is not of the private passenger type,our obligation to pay will
bo reduced bya $25Odeductible per disablement.
d. If the covered auto is not of the private passenger type and the disablement
results from a loss covered under Section ||| Physical Damage Coverage, A.
Coverage, Paragraphs 1, a., b., orc.' there is no separate deductible for the
Extended Towing Coverage.
For purposes of this coverage, disablement means abreakdown of the covered auto
including mechanical breakdown, engine failure, or tire blowout, vvhena repairs cannot
be made roadside and aUovv is required to remove the auto from the roadway and 10
seek additional services and repair,
2. Form CA0020 (if attached to this policy), Section |V - Physical Damage Coverage,
A. Coverage, 2. Towing And Labor, ia deleted and replaced by the following:
2. Extended Towing
We will pay up to $758 per disablement for towing and labor costs you incur each
time your covered auto iudisabled. However:
o. All labor must boperformed a( the place o[disablement; and
b. If the covered auto is of the private passenger type no deductible applies-,
and
o� If the covered auto is not of the private passenger type our obligation to pay
will be reduced bya $25O deductible per disablement.
CA70181814 Page Sof10
d. K the covered auto is not of the private passenger type and the
disablement results from a loss covered under Section ||| Physical Damage
Coverage, A. Coverage, Paragraphs 1, a, b, or o, there is no separate
deductible for the Extended Towing Coverage.
For purposes of this coverage, disablement means a breakdown of the covered
auto including mechanical breakdown, engine tai|uv*, or tire blowout, where
repairs cannot be made roadside and a tow is required to remove the auto
from the roadway and ioseek additional services and repair.
M. Cancellation ' 120 Days Notice
If we cancel this policy for any reason other than nonpayment of premium, we will mail or
deliver to the Doi Named Insured at the |uut mailing address known to ue, written nubum of
cancellation at least 12O days prior to the effective date ofcancellation.
N. Supplementary Payments - Increased Limits
Section || Liability Covenage, 2. Coverage Extensions, a. Supplementary Payments, items (2)
and(4)are deleted and replaced by the following:
(2) Up to $2.500 for the cunt of bail bonds (including bonds for related imfDo law violations)
required because ofan accident we cover.VVe do not have to furnish these bonds.
(4) All n*maonub|e expenses incurred by the insured at our nequust, including substantiated '
loss ofearnings up to $500a day, because of time off from work.
O. Duties in the Event of Accident, Claim, Suit or Loss ' Amended
Form CA0001 (if attached to this po|icy) Section |V Business Auto Conditiona, A. Loss
Conditions, item 2 o.; and form CA0020 (if attached to this policy) Section V - Motor Carrier
Conditions, A. Luoy Conditions, item 2. a.; io deleted and replaced by the following:
m. In the event of accident, claim, suit or loss, you must promptly notify us or our authorized
representative when kbecomes known to:
(1) You, if you are an individual;
(2) Your partner urmember, if you are upartnership or joint venture;
(3) Your member, if you are u limited liability oompany�
(4) Your executive officer if you are an organization other than a partnership, joint venture
or limited liability onmpuny� or
(h) Your authorized representative or insurance manager.
Knowledge of an acc/dent, daim, suit or loss by other persons does not imply that
the persons listed above have such knowledge.
Notice should include:
(1) How, when and where the accident or loss occurred; and
(2) The insured'snumo and address; and
CA70181014 Page 7uf1U
(3) To the extent possibke, the names and address ofany injured persons and witnesses.
P� Unintentional Failure to Disclose Hazards
Form CA0001 (if attached to this policy), Section |V - Business Auto Condidons, B. General
Conditions, item 2.; and form CA0820 (if attached to this policy), Section V Motor Carrier
Cnnditionm, B. General Conditions, item 2.; the following is added:
However, if you unintentionally fail to disclose any hazards existing ai the inception date ofthis
pn|ioy, we will not deny coverage under this Coverage Form because of such failure. This
provision does not affect our right to collect additional premium or exercise our right of
cancellation or non-renewal.
0� FoUmm Employee Coverage
Section || Liability Coverage, B. Exclusions, 5. Fellow Employee, the following isadded:
However, this exclusion does not apply if the bodily injury results from the use ofa covered auto
you own or hire, and provided that any coverage under this provision only applies in excess over
any other collectible insurance.
R. Limited Mexico Coverage
WARNING
AUTO ACCIDENTS IN MEX|CD ARE SUBJECT TO THE LAWS OF MEX|CU ONLY - NOT THE
LAWS OF THE UNITED STATES OF AMER/CA. THE REPUBLIC OF K4EX|OO CONSIDERS
ANY AUTO ACCIDENT A CRIMINAL OFFENSE AS WELL AS AC|V|L MATTER.
IN SOME CASES THE COVERAGE PROVIDED HERE MAY NOT BE RECOGNIZED BY
THE K8EX|CAN AUTHORITIES AND WE MAY NOT BE ALLOWED TO IMPLEMENT
THIS COVERAGE AT ALL IN MEX|CO. YOU SHOULD CONSIDER PURCHASING AUTO
COVERAGE FROM A LICENSED MEX|CAN INSURANCE COMPANY BEFORE DRIVING IN
MEX|CO.
THIS ENDORSEMENT DOES NOT APPLY TO ACCIDENTS OR LOSSES WHICH OCCUR
OUTSIDE OF 25 K8|LEB FROM THE BORDER OF THE UNITED STATES 0FAMER|CA.
Form CA0001 (i[ attached to this policy), Section |V Business Auto Cnnditionm, B. General
Conditions, item 7.; and form CA0020 (if attached to this policy), Section V Motor Carrier
Condidona, B. General Conditions, item 7.,- tha following isadded:
The coverage territory is extended to include Mexion, but only:
a. For accidents or losses occurring within 25 miles of the United States border; and
b. For trips into Mexico of 18 days or less;and
C. If the covered auto is principally garaged and principally used in the United States; and �
�
d. K the insured is a resident of the United States.
�
If a loss to a covered auto occurs in Mexico, we pay for such loss in the United States. If the �
covered auto must be repaired in Mexico in order tobu driven, we will not pay for more than the �
actual cash value of such loss as determined by us at the nearest United States point where the
CA701O1O14 Page 8of10
repairs can bemade.
Any insurance provided under this provision will be excess over any other ooUocdb|m insurance.
S. Extended Glass Coverage
Form CA0001 (if attached to this policy), Section ||| - Physical Damage Cmvenage,A. Coverage,
item 3.a.; and form CA0020 (if attached to this policy), Section |V Physical Damage
Coverage,A. Coverage, item 3.a.; ia deleted and replaced by the following:
u. Glass breakage. |f glass must be rep|aoed. the deductible will be $100 or the deductible
shown inthe Declarations,whichever ie less. U glass can ba repaired and is actually repaired
rather than nep|aced, the deductible will be waived. You have the option of having the glass
repaired rather than replaced.
T. Broadened Definition of Bodily Injury
Form CA0001 (if attached to this policy), Section V - O*Unidono. item C.; and Form C48030 (if
attached to this policy), SECTION V| DEFINITIONS, item C.; is deleted and replaced by the
following:
C. Bodily Injury means bodily iniury, sickness or disease sustained by person including
death or mental anguish resulting from any of these at any time. Mental anguish moans
any type ofmental ur emotional illness or disease.
U. Customer Lease or Loan Physical Damage Coverage Extension
Form CA0001 (if attached to this policy), Section ||| Physical Damage Covamge, C. Limit Of
Insurance; and form CA0020 (if attached to this policy), Section |V Physical Damage
Coverage, C. Limits DfInsurance; item 4. is added mafollows:
4 K your covered owned auto is:
(1) Shown in the Schedule and designated as covered for Physical Damage Coverage;
and
(2) Shown in this policy aahaving a loss payee or additional-insured-lessor; and
(3) Incurs u covered total loss;ue will pay the greater of:
(a) The actual cash vu|ue, as determined by us, of the damaged or stolen property
aoof the time of the total loss; or
(b) The outstanding indebtedness under the initial finance agreement for the
covered auto and its equipment.
As used here, outstanding indebtedness means amount you owe the finance
agreement at the time of total loss:
(i) Lmom any amounts representing toxes, overdue pmymente, pena|Uea, irtenuoL or
charges resulting from overdue payments,additional mileage,excess wear and tear,or
lease termination fees; and
(ii) Less any administrative costs ur overhead fees oxmeamed by the finance company
who has leased the covered auto to you; and
C&7O181O14 Page 9o[10
(iii) Less security deposits not returned by the lessor; and
(iv) Less costs for extended warranties, Credit Life Insurance, Health,Accident or Disability
|naumnoo purchased with the loan or lease; and
(v) Less carry-over balances from previous loans or leases.
V. Two orMore Deductibles
1. Section ||| Physical Damage Covonage, D. Deductible, of form CA0001 (if attached to
this po|ioy).the following ioadded:
|f another Arch Insurance Company policy ur coverage form that ie not un automobile policy
or coverage form applies to the same accident or loss, the following applies:
(1) If the deductible under this Business Auto Coverage Form is the lesser of (or least)
deductible, it will bewaived.
(2) K the deductible under this Business Auto Coverage Form is not the kaua*c (or
least)deductible, it will be reduced by the amount of the lesser(or least)deductible.
2. Section |V ' Physical Damage Covunage, D. Deductible, of form CA0020 (if attached 0o
this po|icy).the following is added:
|[another Arch Insurance Company policy or coverage form that ie not an automobile policy
or coverage form applies tmthe soma accident or loss, the following applies:
(1) K the deductible under this Business Auto Coverage Form is the |mooer of (or
least)deductible, ii will bewaived.
(2) K the deductible under this Business Auto Coverage Form is not the lesser, (or
least)deductible, it will be reduced by the amount of the lesser(or least)deductible.
All other terms and conditions of the policy remain unchanged.
Issued By:
Endorsement Number:
Policy Number:
Named Insured:
This endorsement is effective on the inception date of this Policy unless otherwise stated herein: �
�
Endorsement Effective Date:
CA78 18 10 14 Page 10 of 10
POLICY NUMBER: 71CAB5310101 COMMERCIAL AUTO
CA 99 37 10 13
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
GARAGEKEEPERS COVERAGE
This endorsement modifies insurance provided under the following:
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.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated
below.
Named Insured:
Endorsement Effective Date:
SCHEDULE
Location Number Address Where You Conduct Garage Operations(Main Location)
1 LOCATIONS : BLANKET
Coverages Limit Of Insurance And Deductible Premium
Comprehensive Limit Of Insurance
Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
6, 000, 000 Limit Of Insurance
$ 500 Deductible For All Perils For Each
Customer's Auto
2, 500 Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maxirnurn Deductible For All Loss In
Any One Event
Collision 6, 000, 000 Limit Of Insurance
$ Soo Deductible For Each Customer's
Auto
CA 99 37 10 13 0 Insurance Services Office, Inc., 2011 Page 1
Location Number Address Where You Conduct Garage Operations
2 RATING BASIS : DIRECT PRIMARY
Coverages Limit Of Insurance And Deductible Premium
Comprehensive Limit Of Insurance
Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
6, 000, 000 Limit Of Insurance
$ 500 Deductible For All Perils For Each
Customer's Auto
2, 500 Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss In
Any One Event
Collision 6, 000, 000 Limit Of Insurance
Deductible For Each Customer's
$ 500 Auto
Page 2 0 Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Mere You Conduct Garage Operations
Coverages Limit Of Insurance And Deductible Premium
Comprehensive Lin-dt Of Insurance
Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision Limit Of Insurance
Deductible For Each Customer's
Auto
Total Garagekeepers Premium For All Locations $ 12, 007
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
CA 99 37 10 13 Q Insurance Services Office, Inc., 2011 Page 3
Direct Coverage Options
Indicate below with an ^X'which. if any, Direct Coverage Option isselected.
F—]Excess Insurance
If this box is checked, Garagekeepers Coverage remains applicable on a legal liability basis. However,
roverageu|noapp|ieewi1hputregardtoyouroranyothur ''insurad's^ |oga| |iabi|ityh»r ^}oss^too ''cusiomer'a
auto"on an excess basis over any other collectible insurance regardless of whether the other insurance
covers your or any other "insured's" interest or the interest of the "customer's auto's"owner.
��
L /phmary|naunance
If this box is checked, Garagekeepers Coverage is changed to apply without regard to your or any other
"inaun*d's'' legal liability for ^|oso''toa'^cuxtomer's auto"and ix primary insurance.
A. This endorsement provides only those coverages: 2. We will have the right and duty to defend any
1. Where u Limit Of Insurance and o premium are "insured" against a "suit" asking for these
shown for that coverage in the Schedule; and damages. Hovwaver, we have no duty to defend
any ^inaurmd" against ~xuii''seeking damages
2 Forthe |o��ionuhownin1heSohedu|u
' . for ^|ous^ to which this insurance does not
B. Coverage apply. We may investigate and autt|m any claim
1. We will pay all sums the ~inuun+d.. legally must or ''nuh" as we consider appropriate Our duty
pay as damages for ^|000" to a "customer's to defend or settle ends for u coverage when
muto" or"customer's auto"equipment |e0 in the the Limit of Insurance for that coverage has
"insuned'x^ care while the ^inuured" is been exhausted by payment of judgments or
attending, sarvioing, repuiring, parking or .
storing i\ in your "garage oparaiionm'' under: 3. Who isAnInsured
a. Comprehensive Coverage The following are ^insunedn'' for 1ooa'' to
�rom�nycauseexoept� ^uustomer's autos and ^customer'o auto"
(1) The 'customer's'customer'suu|o's^ collision withequipment:
another object; or a You.
b Your p��neroand iheirspouo�e if are
(2) Thm ^ousiomer'aau�o'�^ove�urn '
� a partnership, but only with respect to the
b. Specified Causes Of Loss Coverage conduct uf your "garage upuntiona"
Caused by: u. Your membero, if you are limited liability
(1) Fire, lightning or explosion; oompany, but only with respect to the
(2) Theft; or
conduct o g
of "garage operations". Your managers are also 'insureds", but only with
(3) Mischief orvandalism. respect to their duties ao your managers.
c. Collision Coverage d. Your "executive uMicmra" and directors, if
Caused by: you are an organization other than a
partnership or limited liability company but
(1) The "customer's auto's^ collision with only with respect to their duties as 'your
another object; or officers or directors. Your stockholders
are
(2) The ''oustomer'uuuto's^overturn. also ~insuredo'', but only with respect to �
their liability usstockholders. �
e. Your ^mmployeeo'', other than either your d- Faulty Work
^exmuukm ��uerm^ (� you are an` Fuulty"wmrkyou performed".
organization other than a partnership or limited liability company) ur your managers 2. We willwill ,not pay for |oms'.
to any of the
(if you are limited liabilityfollowing:
oompany). but '
only for acts within the scope of m. Tape decks or other sound-reproducing
employment by you or while performing equipment unless permanently installed ina
their duties related to the conduct of your "customer's auto".
''garage operadione"
. b. Topes, records or other sound-reproducing
4. Coverage Extensions devices designed for use with sound-
The following applies as Supplementary reproducing equipment.
Payments.We will pay for the ^inaured'': c. Sound-receiving equipment designed for
a. All expenses weincur. use as a citizens band radim, two-way
b' The costs of to release
mobile radio or telephone or scanning
munhorn*myive� indudingiba�ntennonend
in any^ouit'' against an ^insured''wmd�end. other mccessnhes, unless permanently
but only for bond amounts within our Limit installed in the dash or console opening
ofInsurance.
nonne||y used by the "customer's auto"
c. All reasonable expenses incurred by the manufacturer for the installation ofaradio.
"insured" at our nequosi, including actual d. Any device designed or used to detect
|owe of earnings up to $250u day because speed-measuring equipment, such as radar
of time off from work.
or laser detectors and any jamming
d. All court costs taxed against the ''inounyd" in apparatus intended to elude or disrupt
any ~uuit" against an ^insunad'' we defend speed-measuring equipment.
However, these payments do not include
. 3. We will not pay for "loss" caused by or
attorneys' fees or aUoma� expenses resultingfrom the following. Such "loss" is
taxed against the^insumd"
. excluded regardless of any other cause or
e. All interest on the h/U amount of any event that contributes concurrently or in any
judgment that accrues after entry of the sequence to the"|nss":
judgment in any ^ouit^ against an "insured" m' War, including undeclared or civil war;
we defend; but our duty to pay interest ends
when we have paid, offered to puy, or b' VVadike action by military force, including
deposited in court the pad of the judgment action in hindering or defending against an
that iu within our Limit ofInsurance. actual or expected attack, by any
government, sovereign or other authority
payments will not reduce the Limit of using military personnel or other agents; or
Insurance.
c. |nsunnction, rebeUiun, revolution, usurped
C. Exclusions power or action token by governmental
1. This insurance does not apply to any of the authority in hindering or defending against
following: any ofthese.
a. Contractual D. Limits Of Insurance And Deductibles
Liability voxu|bng from any contract or i' Regardless of the number of "customers
agreement by which the ^insurad'' accepts autos". "insuredm", premiums paid, claims
responsibility for ^|oao" But this exclusion mode or "suits" bruught, the most we will pay
does not apply to liability for ^|osm''that the for each "loss" at each location is the
^inuunod" would have in the absence of the [Saragakmopers Coverage Limit Of Insurance ----
contract oragreement. shown in the Schedule for that location. Prior to
b Theft the application of this |imit, the damages for
"l000" that would otherwise be payable will be
^Loas^ due io theft or conversion caused in reduced by the applicable deductibles for"|nas"
any way by you. your ''nmp|oymms~ or by caused by:
your stockholders.
m' Collision; or
c. Defective Parts
Defective parts ormaterials.
C&S9371013 0 Insurance Services Office, (no.. 2O1l Page 5
b. With respect to Garagekeepers Coverage 2. "Loss" means direct and accidental |oon or
Comprehensive or Specified Causes Of damage and includes any resulting loss ofuse,
Loss Coverage: 3. "Garage operations" means the ownership,
(1) Theft or mischief or vandalism; ur maintenance or use of locations for the
(2) All perils. purpose of a business of oeUing, oen/idnA,
repaihng, parking or storing "customer's autos"
2. The maximum deductible stated in the and that portion of the roads or other accesses
Schedule for Ganegoke*pens Coverage that adjoin these locations. "Garage
Comprehensive or Specified Causes Of Loss operations" also includes all operations
Coverage is the most that will be deducted for necessary or incidental to the performance of
o|| "|oao" inanyoneeventcausmdby'
� garage operations.
w. Theft or mischief or vandalism; or 4. "Work you performed" includes:
b' All perils. a. Work that someone performed on your
3' To settle a claim or "suit", we may pay all or behalf; and
any part of the deductible. If this happens you b' The providing of or failure to provide
must reimburse um for the deductible or that warnings orinstructions.
part of the deductible that wm paid.
E. Additional Definitions
As used in this endorsement:
1. "Customar'o auto" means o land motor vehicle,
"trailer" or semitrailer lawfully within your
possession for sen/iue, nepair, storage or
nahekomping, with or without the vehicle
owner's knowledge or consent. A "customer's
auto"also includes any such vehicle left inyour
cane by your "employees" and members of
their households who pay for oon/icos
performed.
�
Page 0>Insurance Services Office, |nc, 2O11 CAS9371O18
POLICY NUMBER: 71CAB53101 COMMERCIAL AUTO
CA 99 37 10 13
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
GARAGEKEEPERS COVERAGE
This endorsement modifies insurance provided under the following:
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.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated
below.
Named insured: SCELZI ENTERPRISES, INC.
Endorsement Effective Date: 05/01/2026
SCHEDULE
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /001 /001 2286 E. DATE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $200,000 Limit Of Insurance $187
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $200,000 Limit Of Insurance $265
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Pagel
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /002 /001 2329 E. DATE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $1,050,000 Limit Of Insurance $768
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $1,050,000 Limit Of Insurance $1,108
$500 Deductible For Each Cu!
Auto
Page 2 O Insurance Services Office, Inc.,2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /003 /001 2373 E. DATE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $175,000 Limit Of Insurance $168
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $175,000 Limit Of Insurance $239
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 3
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /004 /001 2772 S. CHERRY AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $220,000 Limit Of Insurance $203
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In An One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $220,000 Limit Of Insurance $287
$500 Deductible For Each Customer's
Auto
Page 4 @ Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /005 /001 2316 E. ANNADALE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $880,000 Limit Of Insurance $662
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
DeductibleFor All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $880,000 Limit Of Insurance $956
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 5
Location Number - Address Where You Conduct Garage Operations (Main Location)
CA /006 /001 2693 RUBIDOUX BOULEVARD RIVERSIDE
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $390,000 Limit Of Insurance $328
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $390,000 Limit Of Insurance $466
$500 Deductible For Each Customer's
Auto
Page 6 Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /007 /001 2645 S CHERRY AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $10,000 Limit Of Insurance $20
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $10,000 Limit Of Insurance $25
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 7
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /008 /001 2212 E ANNADALE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $460,000 Limit Of Insurance $378
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $460,000 Limit Of Insurance $538
$500 Deductible For Each Customer's
Auto
Page 8 Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /009 /001 2700 AVALON STREET JURUPA VALLEY
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $1,725,000 Limit Of Insurance $1,089
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $1,725,000 Limit Of Insurance $1,582
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc.,2011 Page 9
�
�
Page1U @ Insurance Services Office, |no, 2O11 CA39371O13
CA9S271D13 @ |nauxanoeSomioeoOfhoa. /no.. 2O11 Pege1i
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /013 /001 3701 ENTERPRISE STREET SHAFTER
— Coverages Limit Of Insurance And Deductible Premium
Comprehensive $150,000 Limit Of Insurance $149
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $150,000 Limit Of Insurance $212
$500 Deductible For Each Customer's
Auto
Page 12 @ Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /014 /001 2664 S. CHERRY AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $10,000 Limit Of Insurance $20
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $10,000 Limit Of Insurance $25
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /015 /001 APN: 328-300-22 FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $10,000 Limit Of Insurance $20
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $10,000 Limit Of Insurance $25
$500 Deductible For Each Customer's
Auto
Page 14 Insurance Services Office, Inc., 2011 CA 99 37 10 13
--'
CASS%T1D13 @ Insurance Services Office, |no, 2O11 Page15
Location Number Address Where You Conduct Garage Operations (Main Location)
CO /017 /001 427/427 N SECOND STREET LA SALLE
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $10,000 Limit Of Insurance $31
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $10,000 Limit Of Insurance $37
$500 Deductible For Each Customer's
Auto
Page 16 0 Insurance Services Office, Inc., 2011 CA 99 37 10 13
Total Garagelkeepers Premium For All Locations $12,007
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
Direct Coverage Options
Indicate below with mn "X"which, if any, Direct Coverage Option isselected.
Excess Insurance
If this box is checked, Garagekeepers Coverage remains applicable on a legal liability basis. However,
coverage also applies without regard to your or any other"insured's" legal liability for"loss"to a"customer's
auto"on an excess basis over any other collectible insurance regardless of whether the other insurance
covers your or any other"insured's" interest or the interest of the"customer's auto's"owner.
�L/��
� Primary|nsuranue
If this box is checked, Garagekeepers Coverage is changed to apply without regard to your or any other
"insured's"legal liability for"loss"to a"customer's auto"and is primary insurance.
A. This endorsement provides only those coverages: 2. We will have the right and duty to defend any
"insured" against o "suit" asking for these
1. VVhemaLimitO�|nsunanoaandepremiumeve
shown for that coverage in the Schedule; and damages. However, wo have no duty iodefend
any ^inouvod'' against a ^muit^ seeking damages
2. For the location shown in the Schedule. for ^|osy^ to which this insurance does not
B. Coverage apply. VVe may investigate andueK|eanydaim
or "suit" as we oonsidarapprophmte Durduh/
1 VV* wiU poyuU sums the ~inuunsd^ |egoUymus� �
'
pay as damages for to defend or settle ends fora coverage when
"loss" a "customer's Limit of Insurance for that coverage h��
auto" ur''ousiome�a auto" equipment left in the
been exhausted by payment of judgments or
^innuned's^ care vvhi|ethe 1nmured^ isa�mnding
'servicing, repairing, parking orstoh settlements.
.
"garage operations"under: 8. Who IsAnInsured
a' Comprehensive Coverage The following are ^inuunndm^ for ^|oaa^ to
From any cause uxuepL ^customer'u autos" and "customer's auto"
equipment:
(1) The "customer's auN'u^ collision with
a You
another o� d e ; or ' �
. b Your pa�nem and (heirapouaeo if you are
(2) The^cua�oma/aau�os^ove�urn ' '
u partnership, but only with respect to the
b. Specified Causes C}f Loss Coverage conduct of your"garage npemtiono^
Caused by: o. Your mombem, if you are a limited liability
(1) Fire. lightning or explosion; uompuny, but only with respect to the
(2) Theft; conduct of your "garage operations". Your
or
managers are also "insureds", but only with
(3) Mischief orvonda|ium nwopeoi8miheirdudesnsyourmanu�mm vandalism. respect �
u. Collision Coverage d. Your "executive n0oem^ and directors, if
Caused by: you are an organization other than a ==��
(1) The "customer's uuh'a'' collision with pad»emhipnr |imited liability company, but
only with vaapeoi to their duties as your
another object; or officers or directors. Your stockholders are
(2)
� The^oustomm/aaubz's^overturn. also ^imsureda., but only with naapmd to
their liability asstockholders.
CAS9371O13 @ Insurance Services Office, |no, 2O11 PaQe17
e. Your than either your d. Faulty Work
11 c^ecvvvu u/x"er (o you are an Fauky"work you pe�unned^
organization other than u partnership or �
limited liability company) or your managers 2. We will not Puy for ''|oos^ to any of the
(if you are a limited liabilityoompony), but following:
only for acts within the uoupu of a Tope decks or other sound-reproducing
employment by you or while performing equipment unless permanently installed inm
their duties related to the conduct of your "customer's auto",
''garage opeoationa^
. b. Tmpeo, records or other sound-reproducing
4. Coverage Extensions devices designed for use with sound-
The following applies as Supplementary reproducing equipment.
Payments.VVe will pay for the''insmned^: c' Sound-receiving equipment designed for
a. All expenses weincur. use as a citizens band nadiu, two-way
b' The coats of bonds to release attachments mobile radio or telephone or scanning
monitor necoivur, including its antennas and
inany^auit^againa��n ~inaun*d^wodefend. other »nooasoi'ey' unless permanently
of|nauxanoa
but only for bond amounts within our Limit installed in the' dash or console opening
� normally used by the "customer's auto"
c. All reasonable expenses incurred by the manufacturer for the installation ofaradio.
"insured" at our nequeut, including actual d Any device designed or used to detect|oya of earnings up to $250 o day because '
upeed-moasuringequipmeni such asradar
of time off hn �from '
or laser detectors and any jamming
d. All court costs taxed against the ^innurud^ in apparatus intended to elude or disrupt
any "suit" against an ''inouved" we defend. upaed'muuauhngaquipmeni
However, these 1heoe payments do not include 3. VVe will not pay for''|nss''caused byorvemu|dng
attorneys' fees or attorneys' expenses from the following. Such "loss" is excluded
koxodaQmineithe^inxured^ �
. regardless of any other cause or event that
e. All interest on the full amount of any contributes concurrently or in any sequence to
judgment that accrues after entry of the the "loss":
judgment in any ^euit" against an ^inyuned"
o. VVar, including
we defend; but our duty to pay interest ends ' '
when we have p:id, offered to poy, or b. Warlike action by military force, including
deposited in court the part of the judgment motion in hindering or defending against an
that iu within our Limit ufInsurance. actual or expected attack, by any
These payments will not reduce the Limit of government, sovereign or other authority
Insurance. using military personnel or other agents; or
C. Exclusions u' |nourneoiion, rebm||ion, revolution, usurped
power or action taken by governmental
1. This insurance does not apply to any of the authority in hindering or defending against
following: any ofthese.
a. Contractual D. Limits Of Insurance And Deductibles
Liability resulting from any contract or 1. Ragavd|mua of the number of "customer's
agreement by which the "insured" uomsptn ouhoo^. ^inourmde^, premiums paid, claims
responsibility for ^|osa^ But this exclusion made or "suits" bvought, the most vvewill pay
does not apply |o liability for ^|osa^ that the for each "loss" at each location is the
^insured" would have in the absence of the Gunagekeepucy Coverage Limit Of Insurance
contract oragreement. shown in the Schedule for that location. Prior io
b. Theft the application of this |imit, the damages for
"Loss" "loss" that vvouN otherwise be payable will be
due to theft orconversion ouue*d in
reduced by the applicable deductibles for''|oas"
any way by you. your "employees" or by caused by:
your stockholders.
a Collision; or
o. Defective Parts
Defective parts or materials. �
�
�
Page1O @ Insurance Services Office, |nc, 2O11 C88S371O13
b. With respect to Garayakaopem Coverage 2. "Loss" means direct and accidental loos or
Comprehensive or Specified Causes Of damage and includes any resulting loss ofuse.
Loss Coverage: 3. "Garage upenaiiono" means the ownership,
(1) Theft or mischief or vandalism; or maintenance or use of locations for the purpose
(2) All perils. of a business of selling, servicing, repairing,
� parking or storing "customers autos" and that
2. The maximum deductible stated in the portion of the roads or other accesses that
Schedule fbr <Sanagekeepers Coverage adjoin these locations. "Garage operations"
Comprehensive or Specified Causes Of Loss also includes all operations necessary or
Coverage is the most that will be deducted for incidental to the pedbnnonoe of garage
�u|| ^|oea^ inonyoneavontcouaedby� h opera onx.
a. Theft or mischief or vandalism; or 4` "Work you performed" includes:
b. All perils. a. Work that someone pedhnnmd on your
3. To settle a claim or''suit'.we may pay all orany behalf; and
part of the deductible. If this happens you must b. The providing of or failure to provide
reimburse us for the deductible or that pad of warnings urinstructions.
the deductible that w* paid.
E. Additional Definitions
Ao used in this endorsement:
1. "Customer's auto" means m land motor vehicle,
"trailer" or semitrailer |ovvfuUy within your
possession for oewice, repair, storage or
safekeeping, with or without the vehicle
owner's knowledge or consent. A ''ouo0umur's
auto" also includes any such vehicle left inyour
care by your"emp|oyeem^ and members oftheir
households who pay for services performed.
CA993T1U13 @ Insurance Services Office, |nc.. 2011 Page19
--�� SCELENT-01 BLOOSIGIAN
CERTIFICATE OF LIABILITY INSURANCE DATE(MMroo(Yvvv)3r2or2o26
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 License#OE02096 CONTACT Blair Loosigian
NAME:
DiBuduo&DeFendis Insurance Brokers,LLC PHONE FAx
6873 N.West Ave,Ste 101 (A/C,No,Ext): I(AIC,No): _
E-MAIL : air.loi ian dibm
Fresno,CA 93711 AooREss bl os
__. _ 9 � u.co
_
INSURER(S)AFFORDING COVERAGE �T NAIC#
_ INSURER A:Fireman's Fund Insurance Co. 21873
INSURED INSURER B: Insurance Companyi11150
Scelzi Enterprises,Inc. INSURERC:Znat Insurance Company_30120
2286 E.Date Ave. INSURER D: _
Fresno,CA 93706
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 ADDLISUBR POLICY NUMBER POLICY EFF POLICY EXP LIMITS
LT
INSD WVD MM/DDIYY MMIDDIYYYY
A I X I COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000
CLAIMS-MADE X OCCUR USCO15795260 511/2026 5/1/2027 DAMAGE TO RENTED 100,000
X X PREMISES Ea occurrence $
MED EXP(A one person} $ 5,000
PERSONAL&ADV INJURY $ 1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,ODU,000
X POLICY❑JPEO LOG PRODUCTS-COMP/OP AGO $ 2,0001000
OTHER: i $
B AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT 1,000,000
Ea ac_cide_nt $ _
X ANY AUTO X X 71CAB5310101 5/112026 511/2027 BODILY INJURY Per e son $
OWNED SCHEDULED
AUTOS ONLY AUTOS $ _
HIRED NON-OWNED ; PROPERTY DAMAGE
AUTOS ONLY AUTOS ONLY Per accident $
A X UMBRELLA LIAB X OCCUR EACH OCCURRENCE __ $
10,000,000
EXCESS LIAB CLAIMS-MADE USCO1183326U 5/1/2026 5/1/2027 AGGREGATE j$ 10'Q00'000
I DED RETENTION$ $
C WORKERS COMPENSATION XPER OTH-
AND EMPLOYERS'LIABILITY TE R -
ANY PROPRIETORIPARTNERlEXECUTIVE Y(—v�IN NIA I M1225509 3/112026 31112027 E.L.EACH ACCIDENT I$ 1,000,000
OFFICER/MEMBER EXCLUDED? u
(Mandatory in NH) E.L.DISEASE-EA EMPLOYEE $__ 1000000
If yes,describe under 1,000,000
DESCRIPTION OF OPERATIONS below E.L.DISEASE-POLICY LIMIT $
B Garagekeepers Liab 71CAB5310101 5/1/2026 5/1/2027 Direct Primary
B ,Dealer Physical Damg 71CAB5310101 51112026 5/1/2027 ,Comp/Cal1$500 Ded 6,000,000
I
DESCRIPTION OF OPERATIONS I LOCATIONS 1 VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required)
City,its officers,agents,volunteers and employees are named additional insured with respect to General Liability per attached form CG71930319 and Auto
Liability per attached form CA70181014.Waiver of subrogation applies to General Liability per attached form CG71930319 and Auto Liability per attached for
CA70181014.This insurance is primary and non-contributory per attached form CG71930319(General Liability)and CA70181014(Auto Liability).Certificate
holder is named as loss payee per as respects Garagekeepers Legal Liability per form CA99371013(Direct Primary/Comp&Collision)with a six million dolla
limit.Contractor's insurance coverage will be primary insurance with respect to City,its officers,agents,volunteers and employees per attached form
CG71930319(General Liability)and CA70181014(Auto Liability)and any insurance or self-insurance maintained by the City will be in excess of Contractor's
insurance and not contributory with it.Contractor will furnish certificates of insurance and endorsements to City prior to City's execution of this Agreement.
CERTIFICATE HOLDER CANCELLATION
City of Ashland SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
20 E Main St THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Ashland OR 97520-1814 ACCORDANCE WITH THE POLICY PROVISIONS.
AUTHORIZED REPRESENTATIVE
ACORD 25(2016/03) O 1988-2015 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
A"I'llanz
Q!)I
MuUtiCover@ - Without Medical Payments - CG 71 93 03 19
Policy Amendmant(s) Commercial General Liability Coverage Form
Your Commercial General Liability Coverage Form is revised asfollows:
1. Broadened Named Insured
A. SECTION || VVH(} IS AN INSURED, item 3., is deleted and replaced by the following:
1 Any organization that you own at the inception of this policy, or newly acquire or form during the policy
pehod, and over which you maintain during the policy period majority ownership or majority interest
will qualify as a Named Insured it
a. There imnw other similar insurance available 0o that organization; and
b. The first Named Insured shown in the Oedooahona has the responsibility ofplacing insurance for
that organization; and
o. That organization is incorporated or organized under the laws of the United States of America.
However:
(1) Coverage under this provision 3 is afforded only until the next occurring annual anniversary of the
beginning of the policy period shown in the Declarations, or the end of the policy period,whichever
is earlier;and
.
(2) Coverage A does not apply to bodily injury or property damage that occurred before you acquired
or formed the organization; and
(3) Coverage B does not apply to personal and advertising injury arising out of an offense committed
before you acquired or formed the organization.
B. SECTION || -VVHO IS AN INSURED, the last paragraph, is deleted and replaced by the following:
No person or organization is an insured with respect to the conduct of any current or past partnership,joint
venture, or limited liability company that is not shown as m Named Insured in the Declarations. However,
this does not apply to a limited liability company that meets all of the conditions in Section 11 Who |oAn
Insured, item 3.. above.
2. Additional Insured
if an Additional Insured endorsement is attached to this policy that specifically names a person or organization
as an additional inyumd,then this Section 2. Additional Insured does not apply to such person or organization.
SECTION ||-VVHO IS AN INSURED, subsection 2.e . is added as follows:
e. Any person or organization is included as an additional inauned, but only to the extent such person or
organization is legally obligated to pay for bodily injury, property damage or personal and advertising
injury caused by your acts or omissions.With respect to the insurance afforded to such additional insured,
all of the following additional provisions apply:
(1) You have agreed in awhtten insured contract that such person or organization be added as an
additional insured under this po|icy�policy;
(2)
(2) The bodily iniury, property damage or personal and advertising injury for which said person or
organization is legally obligated to pay occurs subsequent to the execution of such insured contract;
(3) The most we will pay is the lesser of either the amount of insurance available under the applicable Limits
of Insurance shown in the Declarations or the limits of insurance required by the insured contract;
(4) The insurance afforded to such additional insured only applies to the extent permitted by law;
cGnn,o,,,
Copyright wm'ym/ia"`Global Risks uoInsurance Company.All rights re-°°,u.
��
�=��� ���� ��� Q!)I
(5) Such person or organization isun additional insured only with respect to:
(a) Their ownemhip, meinhanance, or use of that pad of the premises, or|and, owned by, rented to,
or leased to you, except such person or organization is not an insured with respect to structural
o|hanadono' new construction or demolition operations performed by or on behalf ofsuch person
or organization;
(b) Your ongoing operations performed for that insured;
(c) Their financial control of you, except such person or organization is not an insured with respect to
structural alterations, new construction or demolition operations performed by or on behalf of such
person oronganiza|ion�
(d) The muintenance, operation or use by you of equipment leased to you by such person or
organization;
(e) Operations pedbnnod by you or on your behalf and for which u state or political subdivision has
issued a permit, provided such operations are not performed for such state or political subdivision,
and are not included within the products-completed operations hazard; or
Ul Their liability aum grantor ofa franchise ioyou.
(M) This insurance does not apply hy bodily injury, property damage, personal and advertising injury,
occurrence oroffense:
(a) Which takes place at a particular premises after you cease to be a tenant of that premises;
(b) Which takes place after all work, including moteha|a, puda or equipment furnished in connection
with such work to be performed by or on behalf of the additional insured at the site of the covered
operations, has been completed;
(c) Which takes place oKar that portion of your work out of which the injury or damage ahome has
been put to its intended use by any other person or organization other than another contractor or
subcontractor engaged in performing operations for a principal as part of the same project; or
(d) Which takes place after the expiration of any equipment lease to which (4)(d)above applies;
(7) With respect to architects, engineers or surveyors, coverage does not apply to bodily injury, property �
damage or personal and advertising injury arising out of the rendering or failure to render any �
�
professional services byor for you, including: �
(a) The preparing,approving,or failing to prepare or approve, maps,shop drawings,opinions,reports,
surveys,field orders, change orders,or drawings and specifications; or
(b) Supervisory, inspection, architectural, or engineering services.
These exclusions apply even if the claims against any insured allege negligence or other wrongdoing in the
supervision,hiring,employment,training or monitoring of others by that insured, if the occurrence which caused
the bodily injury or property damage,orthe offense which caused the personal or advertising injury,involved
the rendering of or the failure to render any professional services by or for you.
3 Additional Insured 'Vendoro
If an Additional Insured Vendors endorsement is attached to this policy that specifically names o person or
organization as an additional ineun*d, then this Section 3 Additional Insured -Vendore does not apply to that
person ororganization.
Unless the prod ucts-oomp|eted operations hazard is excluded from this p^|iu8 SECTION || WHO IS AN
|NSUREU, item 21 is added as follows:
[ Any vendor of yours is included as an additional insured, but only with respect to bodily injury or property
damage caused by your products which are distributed or sold in the regular course of the vendor's
business, subject to the following additional exclusions:
oor`ys03m
Risks US Insurance Company.All rights reseNed.
'0�
Allianz
QV
(l) The insurance afforded such vendor does not apply to:
(a) Bodily injury or property damage for which the vendor is obligated to pay damages by reason of
the assumption of liability in a contract or agreement. This exclusion does not apply to liability for
damages that the vendor would have in the absence of the contract or agreement;
(b) Any express warranty unauthorized byyou;
(c) Any physical or chemical change in the product made intentionally by the vendor;
(d) Repackaging, unless unpacked solely for the purpose of inspection, demonstration,testing, or the
substitution of parts under instructions from the manufacturer, and then repackaged in the original
container;
(o) Any failure to make such inspeotions, adjustments, tests or servicing aa the vendor has agreed
to make or normally undertakes to make in the usual course of business, in connection with the
distribution or sale of the products;
(0 D*monotnation, inata||udon, servicing or repair operations, except such operations paKbnned by
the vendor in full compliance with the manufacturer's written instructions mt the vendor's premises
in connection with the sale of the product;
(g) Products which, after distribution or sale by you, have been labeled or relabeled or used as a
container, part or ingredient of any other thing or substance by or for the vendor;or
(h) Bodily injury or property damage arising out of the liability of the vendor for its own acts or
omissions or those of its employees or anyone else acting on its behalf.
'
(2) This insurance does not applyto any insured person or organization from whom you have acquired such
products or any ingredient, part or container, entering into, accompanying or containing such products;
(3) The most we will pay is the lesser of either the amount ofinsurance available under the applicable
Limits of Insurance shown in the Declarations or the limits of insurance required by the contract or
agreement; and
(4) The insurance afforded to such vendor only applies to the extent permitted by law.
4. Additional Insured-Limited Primary and Noncontributory Provision
The following is added as a second paragraph to Section IV Conditions, Condition 4. Other Insurance,following
panagnaphb.(2):
However, if you have added any person, organization or vendor of yours as an additional insured to this policy
by way of this MuhiCove,m endorsement and have agreed in o written insured contract that this insurance is
primary and non-contributory with other insurance available to that additional insured, this insurance is primary
and we will not seek contribution from such additional insuned'a other insurance, provided that the additional
insured iso Named Insured under such other insurance.
5� Waiver ofSubrogation
SECTION |V COMMERCIAL GENERAL LIABILITY CONDITIONS, item 8., is deleted and replaced by the
following:
8. Transfer of Rights of Recovery Against Others to Us and Blanket Waiver of Subrogation
a. If the insured has rights to recover all or part of any payment we have made under this Coverage Part,
those rights are transferred to us. The insured must do nothing after the loss to impair those rights. At
our request,the insured will bring suit or transfer those rights to us and help us enforce them.
b. If required by a written insured contract executed prior to the occurrence or offense, we waive any
right of recovery w/e may have against any person or organization named in such insured contneot,
because of payments we make for injury or damage arising out ofyour operations or your work for
that person or organization.
uo,,9oo`,v
Copyright 9u"mw/*"=Global Risks ou Insurance Company All rights reserved.
Includes commo^tex material of Insurance Services Office,/"=,with its permission. page 3m,
Allianz
5. Cancellation -9ODays
Common Policy Conditions endorsement U0017. A. Cancellation, item 2b. is deleted and replaced by the
following:
b. 90 days before the effective date of cancellation if we cancel for any other reason.
7� Liberalization
SECTION |y - C(3YNK8ERC|AL GENERAL LIABILITY CONDITIONS, the following is added as an additional
Condition:
Liberalization
If we adopt a change in our forms or rules which would broaden the coverage provided by any form that is a part
of this policy without an extra premium charge. the broader coverage will apply to this po|iuy. This extension is
effective upon the approval of such broader coverage in your state.
8. Hnm, Explosion, Sprinkler Leakage, or Lightning Legal Liability Coverage
A. SECTION | ' COVERAGES. COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY, 2.
Exclusions,the last paragraph, im deleted and replaced by the following:
Exclusions o.through n.donot apply to damage by fire,explosion,sprinkler leakage,or lightning to premises
while:
1. Rented to you;
2. Temporarily occupied by you with the permission of the owner; m
3. Managed by you under m written agreement with the owner.
A separate limit of insurance applies to this coverage as described in Section III-LIMITS OF INSURANCE.
Q. SECTION III - LIMITS OF INSURANCE, item 8, is deleted and replaced by the following:
0. Subject to5. above. the Damage to Premises Rented To You Limit shown in the Declarations, for
property damage to any one premises while rented to you,or in the case of damage by fire,explosion,
sprinkler leakage, or lightning while rented to you, temporarily occupied by you with the permission of
the owner, or managed by you under a written agreement with the owner, is the greater of:
u. $1.000.000 Any One Premises; or
b. The Damage Tb Premises Rented Tb You Limit shown in the Declarations.
C. SECTION |V - COMMERCIAL GENERAL LIABILITY COND|T|(]NS, 4. Other Insurance, b. Excess
Insurance, (1)(a), items (i)and (iii), are deleted and replaced by the following:
(i) That is Fire, Exp|osion, Sprinkler Leakage or Lightning insurance for premises while rented to you,
temporarily occupied by you with permission of the owner,or managed by you under a written agreement
with the mmnec
.
(iii) That is insurance purchased by you to cover your liability as a tenant for property damage to premises
rented to you,temporarily occupied by you with the permission of the owner,or managed by you under
a written agreement with the owner; or
D, SECTION-DEFINITIONS, 9. Insured Contract, item a., is deleted and replaced by the following:
(a) A contract for a lease of premises. However, that portion of the contract for o lease of premises that
indemnifies any person or organization for damage by fire, explosion, sprinkler leakage, or lightning to
premises while rented to you, temporarily occupied by you with permission of the owner, or managed
by you under a written agreement with the owner, im not an insured conl
S. Damage to Invitees'Automobiles from Failing Trees or Tree Limbs -Limited Coverage
csny,mm
Copyright Q 2019^m==Global Risks uo Insurance Company.All rights reserved. �
Includes copyrighted material m Insurance Services Office,m^,with its permission. Page^m,
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ 0[ CAREFULLY.
FLEETCOVERm ENDORSEMENT- CA70181014
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
MOTOR CARRIER COVERAGE FORM
A. Broadened Named Insured
Section 11 — Covered Autos Liability Covenagm, A. Covenage, 1. Who Is An |nsured, the
following isadded:
Any organization you own on the inception of this po|ioy, or newly acquire or form during the
policy pehod, and over which you maintain during the policy period, majority ownership or
majority interest will qualify mea Named Insured if:
(1) There iano other similar insurance available io that organization; and
(2) The first Named Insured shown in the Declarations of this policy has the responsibility of
placing insurance for that organization; and
(3) The organization is incorporated or organized under the laws of the United States of America.
However:
(o) Coverage under this provision ia afforded only until the next occurring 12 month anniversary
of the beginning of the policy period shown in the Dao|andiono, or the end of the policy
period, whichever is earlier;and
(b) Coverage under this provision does not apply to bodily injury or property damage that
results from an accident that occurred before you acquired or formed the organization;
and
(o) No person or organization is on insured with respect to any current or past partneship,
nr joint venture that imnot shown auo Named Insured in the Declarations; and
(d) Coverage under A.(1). (2) and (3) above does not apply to any organization that is covered
as on insured under any other automobile liability insurance policy whose limits of
insurance have been exhausted or whose insurer has become insolvent.
B. Broadened Who Is an Insured
i Form CA0001 (if attached to this policy), Section || — Covered Autos Liability Coverage, A.
Coverage, 1. Who Is An Insured, item b.(2) is deleted, and d. is added as follows:
d. Your employee vvhi|a using his owned autu, or an auto owned by member of
his or her houeeho|d, in your business or your personal affairs, provided you do not
mwn, hire or borrow that auto.
2. Form CA0020 (if attached to this policy), Section || — Covered Autos Liability Coverage, A.
Coverage, 1. Who Is An Insured, item b.(2) is deleted, and f. is added as follows:
f. Your employee or agent while using his owned private passenger type auto' or
CA70181O14 Page 1of18
m private passenger type auto owned bya member of his orher household, in your
business or personal affairs, provided you du not own, hire, or borrow that auto.
C� Additional Insured Coverage and Waiver of Subrogation
1. FormCA0001 (if attached tn this po|icy). Section || — Covered Autos Liability Coverage, A.
Coverage, 1. Who Is An |naunad, the following is added as item e.; and form CA0020 (if
attached to this policy), Section || — Covered Autos Liability Coverage, A. CovonaAe, 1.
Who /sAnInsured; the following ie added as item g.-.
Any person or organization with respect to the operation, maintenance,or use, of a covered
auto, provided that you and such person or organization have agreed under an expressed
provision in u written insured contract orwritten nQn*umanL or o written permit issued
to you by a governmental or public authority, to add such pamon, orQanizuiion, or
governmental or public authority huthis policy ason insured.
However, such person or organization is an insured:
(1) Only with respect to the operadon, maintenanoe, or use, of o covered auto; and
(2) Only for bodily injury or property damage caused by an accident which takes
place after:
(u) You executed the insured contract or written agreement; or
(b) The permit has been issued to you.
2. Form CA0001 (if attached to this policy), Section |V ' Business Auto Conditiwno, A. Loss
Conditions, item 5.; and form CA0028 (if attached to this policy), Section V ' Motor Carrier
Conditions, A. Loss Conditions, item 5.;the following isadded:
Waiver ofSubrogation
If required by a:
m. Written insured uontoct or written agreement executed prior to the accident or
b. VVhUon permit issued to you by a governmental or public authority prior to the
accident;
we waive any right nfrecovery we may have against any person ororganization named
in such contract, agreement or permit, because of payments we make for injury ordamage
arising out of the ownership, maintenance or use ofa covered auto.
D. Auto Medical Payments - Increased Limit
For each covered auto described in the Declarations or shown in the Schedule as having
Auto Medical Payments Coverage, the Medical Payments Limit of Insurance for those autos is
revised to the greater of:
1. $b.OUU;or
2. The limit shown in the Declarations.
E� Hired Auto Physical Damage Coverage and Loss of Use Expenses Hired Auto Physical Damage
CA7O 18 10 14 Page of1O
Coverage If Physical Damage Coverage is provided by this policy on your owned covered
autos, the following applies:
Any auto that you |eamo, hire, vent or borrow without a driver, will be covered under this policy
for Physical Damage Coverage. However any such auto:
1. Will be covered only for the same Physical Damage Coverage that applies to your owned
covered autos-,
2. Will be subject to the same applicable deductible shown in the Declarations that applies
(o your most similar owned covered outo, except any Comprehensive Coverage deductible
does not apply to loss caused by fire or lightning; and
3. The most we will pay for any one loss in any one accident is the lesser of the following:
a. Actual cash value of the damaged or stolen property an of the time of the loss
as determined by us; or
b. The cost of repairing or replacing the damaged or stolen property with other property
of like kind and quality.
In addition, we will pay costs and fees associated with such covered loss only for a maximum
time period of seven days beginning with the date of loss, subject bza maximum o[$58O.
However:
1. If form CA0001 is attached to this policy, this coverage does not apply to autos you lease,
hine, rent or borrow from any of you/ employees, partners (if you are a partnership),
members (if you are a limited liability company) or members of their houeoho|ds� and
2. If form CA0020 is attached to this po|icy, this coverage does not apply to any private
passenger type auto you |euse, hine, rent or borrow from any member of your household,
any of your employees, partners (if you are a partnership), members (if you are a limited
liability oompany). oragents or members of their households.
Hived Auto Loss of Use Expenses
FonnCAOOO1 (if attached to this policy), Section III Physical Damage Coverage, A. Covemge,
4. Coverage Extension, b Loma of Use Expenses; and form CA0820 (if attached to this policy),
Section |V - Physical Damage Covoxage, A. Cmvexuge, 4. Coverage Extension, b. Loos of Use
Expenses; ie deleted and replaced by the following:
b� For Hired Auto Physical Damoge, we will pay expenses for which an Insured becomes
legally responsible to pay for loss of use of a vehicle rented or hired without a driver.
under a written rental contract o/agreement. VVe will pay for loss of use expenses ifcaused
by:
(1) Other than collision only i[the Declarations indicate that Comprehensive Coverage
is provided for any covered auto;
(2) Specified Causes of Loss only if the Declarations indicate that Specified Causes of
Loss io provided for any covered auto; or
(3) Collision only if the Declarations indicate that Collision Coverage is provided for
any covered auto.
C&70 18 10 14 Page 3of 10
However, the most we will pay for any expenses for loss of use is $100 per day, to m
maximum of$1.O80.
F. Coverage Territory Hired Auto
1. Form CA0001. (if attached to this policy), Section |V - Business Ao&u Cnndihona. B.
General Conditions, 7 Policy Period, Coverage Tendnry, b.(5) ia deleted and replaced by
the following:
(G) Anywhere in the mmdd if covered auto of the private passenger type in |eaaad,
hired, rented or borrowed without a driver for aperiod o/18O days urless,
2. Form CA0020 (if attached to this policy), Section V Motor Carrier Condhiuns, B.
General Condidwno, 7. Policy Period, Coverage Tenitory, b.(5) is deleted and replaced by
the following:
(5) Anywhere in the world if covered auto of the private passenger type is |eaoed,
hired, rented or borrowed without a driver for aperiod of18O days or less,
G. Communication Equipment Coverage
Form CA0001 (if attached to this policy), Section ||| ' Physical Damage Covorage, C. Limits of
Insurance, Paragraph 1.b.; and form CA0020 (if attached to this policy), Section |V Physical
Damage Covemge, C. Limits of |naunanne. Paragraph 1.b.; is deleted and replaced by the
following:
b. All electronic equipment that reproduces , receives or transmits audio, visual or datasignals
in any one loss ia$1.5OO. if, at the time uf loss, such electronic equipment is:
H. Tupex, Records, CDs and DVO Coverage
The Physical Damage Coverage Section is amended as follows:
1. The exclusion referring to \apay, ruoovda, disus, or other similar uudiu, visual or data
electronic devices designed for use with eudio, visual or data electronic equipment does not
app|y-
2. Under Comprehensive Coverage Form CA0001 (if attached to this policy), Section III-
Physical Damage Coverage, A. Coverage; and form CA0020 (if attached to this policy), �
Goodon IV- Physical Damage Coverage, A. Coverage;the following iaadded: �
�
We will pay for loss to tapma, neoovdo, discs or other similar devices used with audio, �
visual or data electronic equipment. We will pay only if the bapes, recorda, discs or other
similar audio, visual or data electronic devices:
n. Are your property, or that of family member; and
b. Are in a covered auto at the time of loss.
The most we will pay for loss iy $250. No deductible applies to this coverage.
|. Personal Effects Coverage
Form CA0001 (if attached to this policy), Section III Physical Damage Cov*mge, A. Covemge,
Coverage Extensions; and form CA0020 (if attached to this policy), Section K/-Phyuica| Damage
CA 70 18 10 14 Page 4 of 10
Coverage, A. Coverage, /i Coverage Extensions; item c. is added as follows:
C. Personal Effects Coverage
We will pay up to $580 for loss for clothing items or other personal effects that are
owned byan insured and are inan Owned auto a\the time ofm covered loss.
Personal Effects do not include audio visual or electronic devioee, money' gift oando.
securities,jewelry, ortools.
This coverage in oxoeaa over any other collectible insurance. No deductible applies to this
coverage.
J. Airbag Coverage
1. Form CA0001 (if attached to this policy), Section ||| Physical Damage Coverage, B.
Exclusions, 3.a.; and form CA0020 (if attached to this policy), Section |V- Physical Damage
Cowsnage. Q. Exclusions, 4.a.;the following iaadded:
However, mechanical breakdown does not mean the unintended discharge of an airbag,
provided that any loss covered under this provision is excess over any other collectable
insurance or warranty designed to cover such unintended discharge.
K. Rental Reimbursement
FonnCAO0O1 (if attached to this policy), Section III ' Physical Damage Coverage, A. Coveragm,
4. Coverage Extensions; and form CA0020 (if attached to this policy), Section |V - Physical
Damage Covemg*, A. CovuxaQe, 4. Coverage Extensions; item d. isadded as follows:
d. Rental Reimbursement or Transportation Expenses
U loss occurs to u covered auto described or designated in the Declarations or Schedule
and covered for Physical Damage Coverage,wm will pay for rental expenses for the rental
of similar replacement auto and additional transportation expenses, incurred by you. This
payment applies in addition to the otherwise applicable amount of each coverage you have
on the covered auto. No deductible applies kz this coverage. However:
(1) We will pay only for those expenses incurred by you that begin 24 hours after
the covered loss.
(2) We will cease paying for those expenuoa, regardless ofthe policy's expiration date,
ot the earlier of the following dates:
(a) The number of days reasonably required to repair or vuphoe the covered
auto If loss is caused by theft, this number of days is added to the number
of days it takes iu locate and return the covered auto to you; or
(b) 45doyy from the date this coverage begins.
(3) Our payment is limited to the lesser mf the following amounts:
(a) Necessary and actual expenses incurred by you; or
CA70 18 10 14 Page 5 nf1O
(b) $1.500.
(4) This coverage does not apply while there are spare or reserve autos available to you
for your operations.
(5) If loss results from the total theft o[ ucovered private passenger type auto (if
CA0020 is attached to this policy), or a covered private passenger auto (ifCA00O1
is attached to this po|ioy), we will pay under this coverage only that amount of your
covered rental expenses or additional transportation expenses which are not already
provided for under the Physical Damage Coverage Extensions.
L. Extended Towing Coverage
1. Form C&0001 (if attached to this policy), Section ||| - Physical Damage Coverage,
A. Coverage, 2. Towing And Labor, io deleted and replaced by the following:
2. Extended Towing
We will pay up to $750 per disablement for towing and labor coots you incur each
time your covered auto ie disabled. However:
a. All labor must be performed at the place of disablement; and
b� If the covered auto is of the private passenger iype, no deductible applies;
and
C. If the covered auto is not of the private passenger type, our obligation to pay will
bu reduced bya$250deductible per disablement.
d. If the covered auto is not of the private passenger type and the disablement
results from a loss covered under Section ||| Physical Damage Coverage, A.
Coverage, Paragraphs 1, o , b., or u., there is no separate deductible for the
Extended Towing Coverage.
For purposes of this coverage, disablement means ubreakdown of the covered auto
including mechanical brnakdown, engine tai|um, or tire b|owout, where repairs cannot
be mode roadside and a tow is required io remove the auto from the roadway and to
seek additional services and repair.
2� Form CA0020 (if attached to this policy), Section |V Physical Damage Coverage,
A. Coverage, 2. Towing And Labor, io deleted and replaced by the following:
2. Extended Towing
�
We will pay up to $750 per disablement for towing and labor costs you incur each
�
time your covered auto is disabled. However: �
a All labor must be performed at the place of disablement; and
b. If the covered auto is of the private passenger type no deductible applies;
and
C. If the covered auto is not of the private passenger type our obligation to pay
will be reduced bya $25O deductible per disablement.
CA70181O14 Page 8of18
d. K the covered auto is not of the private passenger type and the
disablement results from a loss covered under Section U| Physical Damage
Covenage, A. Covexago, Paragraphs 1, a, b., or o, there is no separate
deductible for the Extended Towing Coverage.
For purposes of this coverage, disablement means a breakdown of the covered
auto including mechanical braakdmwn, engine fui|una. or tire blowout, where
repairs cannot be made roadside and o tow is required to remove the auto
from the roadway and toseek additional services and repair.
M. Cancellation 120 Days Notice
If we cancel this policy for any reason other than nonpayment of premium, we will mail or
deliver to the first Named Insured at the last mailing address known to ua, written notice of
cancellation at least 12U days prior bo the effective date ofcancellation.
N. Supplementary Payments ' Increased Limits
Section /| - Liability Coverage, 2. Coverage Extensions, a. Supplementary Payments, items (2)
and (4)are deleted and replaced by the following:
(2) Up to $2.500 for the cost of bail bonds (including bonds for related traffic law violations)
required because ofan accident vve cover.VVe do not have to furnish these bonds.
(4) All reasonable expenses incurred by the insured at our requeat, including substantiated
loss ofearnings up to $500a day, because of time off from work.
O� Duties in the Event of Accident, Claim, Suit or Loss - Amended
Form CA0081 (if attached to this policy) Section |V Business Auto Condidons, A. Lose
Conditions, item 2. a.; and fbnn CA0020 (if attached to this policy) Section V ' Motor Carrier
Conditions, A. Loss Conditions, item 2. a.; io deleted and replaced by the following:
n. In the event of accident, claim, suit or loss, you must promptly notify us or our authorized
representative when itbecomes known to:
(1) You, if you are an individual;
(2) Your partner ormember, d you are apartnership or joint venture;
(3) Your member, if you are a limited liability company;
(4) Your executive officer if you are an organization other than a partnership, joint venture
nr limited liability company; or
(5) Your authorized representative or insurance manager.
Knowledge of an muuident, o|aim, suit or |oaa by other persons does not imply that
the persons listed above have such knowledge.
Notice should include:
(1) Hmy, when and where the accident or loss 000unod� and
(2) The 7nsuned'snume and address; and
CA70181014 Page 7of10
(3) To the extent possible' the names and address ofany injured persons and witnesses.
P. Unintentional Failure to Disclose Hazards
Form CA0001 (if attached to this policy), Section |V Business Auto Condihons, B. General
Conditions, item 2.; and form CA0020 (if attached to this policy), Section V Motor Carrier
Condibona, B. General Conditions, item 2.; the following is added:
However, if you unintentionally fail to disclose any hazards existing ot the inception date ofthis
poUoy, we will not deny coverage under this Coverage Form because of such failure. This
provision does not affect our right to collect additional premium or exorcise our right of
cancellation or non-renewal.
O. Fellow Employee Coverage
Section U Liability Coverage, B. Exc|unions, 5. Fellow Employee, the following is added:
However, this exclusion does not apply if the bodily injury results from the use of a covered auto
you own or hire, and provided that any coverage under this provision only applies in excess over
any other collectible insurance.
R. Limited Mexico Coverage
WARNING
AUTO ACCIDENTS |NMEX|CO ARE SUBJECT TU THE LAWS OfMEX|C0 ONLY- NOTTHE
LAWS OF THE UNITED STATES 0FAME0|CA. THE REPUBLIC OF K4EX|CU CONSIDERS
ANY AUTO ACCIDENT A CRIMINAL OFFENSE AS WELL AS&CIVIL MATTER.
IN SOME CASES THE COVERAGE PROVIDED HERE MAY NOT OE RECOGNIZED BY
TMEMEX|CAN AUTHORITIES AND WE MAY NOT BE ALLOWED TO IMPLEMENT
THIS COVERAGE KTALL IN K8EX|CU. YOU SHOULD CONSIDER PURCHASING AUTO
COVERAGE FROM AL|CENSED k4EX|CAN INSURANCE COMPANY BEFORE DRIVING IN
MEX|CO.
THIS ENDORSEMENT DOES NOT APPLY V] ACCIDENTS OR LOSSES WHICH OCCUR
OUTSIDE OF25MILES FROM THE BORDER OFTHE UNITED STATES 0FAK4ER|CA.
Form CA0001 (K attached to this policy), Section |V - 8uain*oa Auto Condidonn, B. General
Conditions, item Y.; and form CA0020 (if attached to this policy), Section V - Motor Currier
Conditione, B. General Conditions, item 7.-, the following isadded:
The coverage territory is extended toinclude Mexioo, but only:
u. For accidents or losses occurring within 25 miles of the United States border; and
b. For trips into Mexico of 10 days or less;and
C. If the covered auto is principally garaged and principally used in the United States; and �
d. U the insured is o resident of the United States.
�
K a loss 1om covered auto occurs in Mexico, mm pay for such loss in the United States. If the �
covered auto must be repaired in Mexico in order to be dhven, we will not pay for more than the �
actual cash value of such loss as determined by us at the nearest United States point where the �
�
CA7O181O14 Page 8of18
repairs can Lmmade.
Any insurance provided under this provision will be excess over any other collectible insurance.
& Extended Glass Coverage
FonnCAOOO1 (if attached to this policy), Section ||| Physical Damage Coverage, A. Coverage,
item 3.a.; and form CA8020 (if attached to this policy), Section |V - Physical Damage
Coverage,A. Coverage. item 3.o.; im deleted and replaced by the following:
a. Glass breakage. U glass must be oep|aoed, the deductible will be $108 or the deductible
shown inthe Declarations,whichever is less. |f glass can be repaired and is actually repaired
rather than rep|aomd, the deductible will be waived. You have the option of having the Q|aoa
repaired rather than replaced.
T. Broadened Definition of Bodily Injury
Form CA0001 (if attached to this policy), Section V Definitions, item C.; and Form CA0020 (if
attached to this policy), SECTION V| DEFINITIONS, item C.; is deleted and replaced by the
following:
C� Bodily Injury means bodily injury, sickness or disease sustained by person including
death or mental anguish resulting from any of these at any time. k4enh*| anguish means
any type ufmental or emotional illness urdisease.
U. Customer Lease or Loan Physical Damage Coverage Extension
Form CA0001 (if attached to this policy), Section ||| - Physical Damage Coverage, C. Limit Of
Insurance-, and form CA0020 (if attached to this policy), Section |V - Physical Damage
Coverage, C. Limits[KInsurance; item 4. iy added asfollows:
4. |f your covered owned auto is:
(1) Shown in the Schedule and designated as covered for Physical Damage Coverage;
and
(2) Shown in this policy auhaving u loss payee or add idmna|'iosuvod-|emuoc and
(3) Incurs a covered total |oas�we will pay the greater of:
(a) The actual cash vo|ue, as determined by us, of the damaged or stolen property
osof the time of the total loss; ur
(b) The outstanding indebtedness under the initial finance agreement for the
covered auto and its equipment.
As used hee, outstanding indebtedness means the amount you owe on the finance
agreement at the time of total loss:
(i) Loaa any amounts representing taxes, overdue puymenty, pena|Uaa, interest, or
charges resulting from overdue payments, additional mileage,excess wear and tear,or
lease termination fees; and
(ii) Less any administrative costs or overhead fees assessed by the finance company
who has leased the covered auto to you; and
CA7O1D1U14 Page Qof1O
(iii) Less security deposits not returned by the lessor; and
(k) Less costs for extended warranties, Credit Life Insurance, Health,Accident or Disability
|naumnom purchased with the loan or lease; and
(v) Less carry-over balances from previous loans or leases.
V. Two orMore Deductibles
1. Section ||| ' Physical Damage Covmmye, D. Deductible, of form CA8001 (if attached to
this po|icy).the following is added:
|f another Arch Insurance Company policy or coverage form that is not en automobile policy
or coverage form applies to the same accident or loss, the following applies:
(1) If the deductible under this Business Auto Coverage Form is the |aaaer of (or least)
deductible, it will be waived.
(2) If the deductible under this Business Auto Coverage Form is not the /eeoar. (or
least)deductible, it will be reduced by the amount ofthe lesser(or least)deductible.
2. Section |V ' Physical Damage Cuvenagm, D. Deductible, of form CA0020 (if attached to
this po|ioy),the following iaadded:
U another Arch Insurance Company policy or coverage form that iu not an automobile policy
or coverage form applies tothe same accident orloss, the following applies:
(1) If the deductible under this Business Auto Coverage Form is the lesser of (or
least)deductible, it will bewaived.
(2) K the deductible under this Business Auto Coverage Form is not the lesser, (or
least)deductible, it will be reduced by the amount of the lesser(or least)deductible.
All other terms and conditions of the policy remain unchanged.
�
�
Issued By:
Endorsement Number:
Policy Number:
Named Insured:
This endorsement is effective on the inception date of this Policy unless otherwise stated herein:
Endorsement Effective Date:
C&7O1O1014 Page 10of1U
POLICY NUMBER: 71CAB5310101 COMMERCIAL AUTO
CA 99 37 10 13
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
GARAGEKEEPERS COVERAGE
This endorsement modifies insurance provided under the following:
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.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated
below.
Named Insured:
Endorsement Effective Date:
SCHEDULE
Location Number Address Where You Conduct Garage Opp-rations(Main Location)
I LOCATIONS: BLANKET
Coverages Limit Of Insurance And Deductible Premium
Comprehensive Limit Of Insurance
Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
6, 000, 000 Limit Of Insurance
$ 500 Deductible For All Perils For Each
Customer's Auto
2, 500 Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss In
Any One Event
Collision 6, 000, 000 Limit Of Insurance
$ 500 Deductible For Each Customer's
Auto
CA 99 37 10 13 0 Insurance Services Office, Inc., 2011 Page 1
Page 2 0 Insurance Services Office, |nc, 2011 CA98J71O13
Location Number Address Where You Conduct Garage Operations
Coverages Limit Of Insurance And Deductible Premium
Comprehensive Limit Of Insurance
Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision Limit Of Insurance
Deductible For Each Customer's
Auto
Total Garagekeepers Premium For All Locations $ 12, 007
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
CA 99 3710 13 0 Insurance Services Office, Inc., 2011 Page 3
Direct Coverage Option
Indicate below with un "X'which. if any, Direct Coverage Option is selected.
�l
L ]Emcoss|nsumance
If this box is checked, Garagekeepers Coverage remains applicable on a legal liability basis. However,
coverage also applies without regard to your or any other "insured's" legal liability for "loss"to a "customer's
auto"on an excess basis over any other collectible insurance regardless of whether the other insurance
covers your m/any other ''inuured'n" interest or the interest of the''uueiome/n outo'y^ owner.
��
L �Phmary|nsunanoe
If this box is checked, Garagekeepers Coverage is changed to apply without regard to your or any other
"insunad'c^ legal liability for ~|osa^tna ^nustomar'u auto"and is primary insurance.
4^ This endorsement provides only those coverages: l We will have the right and duty to defend any
1. Where o Limit Of Insurance and m premium are "insured" against u 'suit" asking for these
shown for that coverage in the Schedule; and damages. Hovwaver, we have no duty to defend
any ^insured" against "suit"seeking damages
2 For|he|omsUonohownin1huSchedu|u
' . for "loss" to which this insurance does not
B. Coverage apply. We may investigate and settle any claim
1. We will pay all sums the ~inouned.' legally must or ''oui1^ as we consider appropriate. Our duty
pay as damages for ^|oas^ to a "customer's to defend or settle ends for m coverage when
auto" or"customer's auto"equipment |u0 in the the Limit of Insurance for that coverage has
^insured'a" ouro while the ''inmurmd" is been exhausted by payment of judgments or
settlements.
attending, servioing, vapoiring, parking or se .
storing iiin your "garage operations" under: 3. Who(sAnInsured
a Comprehensive Coverage The following are ^inounods" for 'loss" to
From any cause except: ''ouatomer'o autos" and "customer's auto"
(1) The 'customer's uu|o'o^ collision with equipment:
another object; or a You.
The �� Your partners and their spouses, if you are
`-' a partnerohip, but only with respect to the
b. Specified Causes Df Loss Coverage conduct of your "garage opengione^
Caused by: c. Your mumbers, if you are limited liability
(1) Fire, lightning orexp|ooion� cumpany, but only with respect to the
conduct ofyour ^Amrmgo operations". Your
(2) Theft; or �
managers are also ^insuneds^, but only with
(3) Mischief orvandalism. respect 10 their duties ay your managers.
c. Collision Coverage d. Your 'executive officers" and directors, if
Caused by: you are on organization other than a
partnership or limited liability oompony, but
(1) The "customer's auto^s^ collision with only with respect to their duties as 'your
another object; or officers o/ directors. Your stockholders
are
(2) The ^ouuiome/'sauio'o^overturn. also ^inauredo'', but only with respect to
their liability as stockholders.
e. ^ other than either d. Faulty Work
executive11 officers"s" (if you are an Faulty"work you porformmd".
organization other than a partnership or
limited liability company) or your managers 2. We will not pay for "loss" to any of the
(if you are limited liability company), but following:
only for acts within the scope of a- Tape decks or other sound-neproduGing
employment by you or while performing equipment unless permanently installed ina
their duties related to the conduct of your "customer's auto".
''garage oparaion�''
operations". b' Tapes records or other sound-reproducing
4. Coverage Extensions devices designed for use with sound-
The Ky||uvving applies as Supplementary reproducing equipment.
Payments.VVe will pay for the ^inuuned'': c' Sound-receiving equipment designed for
a. All expenses weincur. use as a citizens bond redin. two-way
mobile radio or telephone or scanning
b. The costs of bonds to release attachments monitor receiver, including its antennas and
in any^nub''against mn '`inuured^wadefend, other aucessohes, unless permanently
but only for bond amounts within our Limb installed in the dash or console opening
of|nsuranoe. nonnm|h/ used by the "customers auto"
c' All reasonable expenses incurred by the manufacturer for the installation ofaradio.
"insurud" at our naqumst, including actual d. Any device designed or used to detect
|000 of earnings up to $250 a day because speed-measuring mquipmnnrd, such as radar
uf time off from work. or laser detectors and any jamming
d. All court costs taxed against the''insuved'' in apparatus intended to elude or disrupt
any ^uuk" against an ''innun*d" we defend. speed-measuring equipment.
Hovwaver, these payments du not include 3~ We will not pay for "loss" caused by or
attorneys' fees or attorneys' expenses resulting from the following. Such "loss" is
taxed against the ''inaunad" excluded regardless of any other cause or
e' All interest on the full amount of any event that owrthbutao concurrently or in any
judgment that accrues after entry of the sequence to the"|oms":
judgment in any ''suit" against an ''insuned" a. VVar, including undeclared or civil war;
we defend; but our duty kz pay interest ends
when we have paid, offered to ', r b- Warlike action by m military force, including
deposited in court the part of thej 'd ni action in hindering or defending against an
` ���uo| or expected attack,` by any
govomnmmmnt, sovereign or other authority
These payments will not reduce the Limit of using military personnel ur other agents; or
Insurance.
c' |neurroction, rebellion, revolution, usurped
C. Exclusions power or action taken by governmental
1. This insurance does not apply to any of the authority in hindering or defending against
following: any ufthese.
a. Contractual D. Limits 0f Insurance And Deductibles
Liability resulting from any contract or 1' Regardless of the number of "customer's
agreement by which the ^innunad" accepts autos", "insunedm", premiums paid` claims
responsibility for ^|oes" But this exclusion made or "suits" bnought, the most we will pay
does not apply to liability for "loss"that the for each "loss" at each location is the
"inournd^ would have in the absence ofthe Ganegekeepem Coverage Limit Of Insurance ----
contract oragreement. shown in the Schedule for that location. Prior to
b' Theft the application of this limit, the damages for
^|uoe^ that would otherwise be payable will be
"Loys'' due to theft or conversion caused in reduced by the applicable deductibles for"|ums"
any way by you. your "employees" or by caused by:
your stockholders.
m' Collision; or
c. Defective Parts
Defective parts ormaterials.
CA99371013 8%Insurance Services Office, |no.. 2O11 Page
b. With respect to Garagekeepers Coverage 2. "Loss' means direct and accidental loss or
Comprehensive or Specified Causes Of damage and includes any resulting loss ofuse.
Loss Coverage: . "Garage operations" means the ownership,
(1) Theft or mischief nr vandalism; or maintenance or use of locations for the
(2) All perils. purpose of u business of seUinQ, aun/ioing,
repaihng, parking or storing "customer's mu1ua"
2. The maximum deductible stated in the and that portion of the roads or other accesses
Schedule for GaroQekoepers Coverage that adjoin these locations. "Garage
Comprehensive or Specified Causes Of Loss operations" also includes all operations
Coverage is the most that will be deducted for necessary or incidental to the pa�oononoe of
aU `'|uos" inanyonmevan1causmdby'
by: garage operations.
m Theft' ' 4. "Work you performed"includes:
b- All perils. a. Work that someone pmdbnnmd on your
3. To settle m claim or "aud", we may pay all or behalf; and
any part wf the deductible. |f this happens you b. The providing of or failure to provide
must reimburse um for the deductible or that warnings orinstructions.
part cf the deductible that wopaid.
E. Additional Definitions
Am used in this endorsement:
Y. "Custwnner'o auto" means a land motor vehicle,
"trailer" or semitrailer lawfully within your
possession for servino, repair, storage or
oahekeeping, with or without the vehicle
owner's knowledge or consent. A "customer's
auto"also includes any such vehicle left inyour
oanu by your "employees" and members of
their households who pay for san/ioas
performed.
�
Page 6 0 Insurance Services Office, |nc, 2011 C/\8S371O13
POLICY NUMBER: 71CAB53101 COMMERCIAL AUTO
CA 99 37 10 13
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
GARAGEKEEPERS COVERAGE
This endorsement modifies insurance provided under the following:
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.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated
below.
Named Insured: SCELZI ENTERPRISES, INC.
Endorsement Effective Date: 05/01/2026
SCHEDULE
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /001 /001 2286 E. DATE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $200,000 Limit Of Insurance $187
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $200,000 Limit Of Insurance $265
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Pagel
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /002 /001 2329 E. DATE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $1,050,000 Limit Of Insurance $768
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In An One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $1,050,000 Limit Of Insurance $1,108
$500 Deductible For Each Customer's
Auto
Page 2 @ Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /003 /001 2373 E. DATE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $175,000 Limit Of Insurance $168
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $175,000 Limit Of Insurance $239
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 3
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /004 /001 2772 S. CHERRY AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $220,000 Limit Of Insurance $203
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $220,000 Limit Of Insurance $287
$500 Deductible For Each Customer's
Auto
Page 4 @ Insurance Services Office, Inc., 2011 CA 99 37 10 13
CASS%71U1% @ Insurance Services Office, |no.. 2011 Page
Location Number Address Where You Conduct Garage Operations (Main Location)
CA 1006 /001 2693 RUBIDOUX BOULEVARD RIVERSIDE
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $390,000 Limit Of Insurance $328
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
----- Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $390,000 Limit Of Insurance $466
$500 Deductible For Each Customer's
Auto
Page 6 @ Insurance Services Office, Inc., 2011 CA 99 37 10 13
CASS371O13 @ Insurance Services Office, |nc. 2U11 Page
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /008 /001 2212 E ANNADALE AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $460,000 Limit Of Insurance $378
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $460,000 Limit Of Insurance $538
$500 Deductible For Each Customer's
Auto
Page 8 @ Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /009 /001 2700 AVALON STREET JURUPA VALLEY
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $1,725,000 Limit Of insurance $1,089
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $1,725,000 Limit Of Insurance $1,582
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 9
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /010 /001 2700 AVALON STREET RIVERSIDE
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $10,000 Limit Of Insurance $20
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $10,000 Limit Of Insurance $25
$500 Deductible For Each Customer's
Auto
Page 10 O Insurance Services Office, Inc., 2011 CA 99 37 10 13
Location Number Address Where You Conduct Garage Operations {Main Location
CO /012 /001 203 5TH AVENUE LA SALLE
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $400,000 Limit Of Insurance $504
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In An One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $400,000 Limit Of Insurance $707
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 11
Page12 Insurance Services Office, |no, 2O11 CASS371O13
Location Number Address Where You Conduct Garage Operations (Main Location)
CA /014 /001 2664 S. CHERRY AVENUE FRESNO
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $10,000 Limit Of Insurance $20
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $10,000 Limit Of Insurance $25
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 @ Insurance Services Office, Inc., 2011 Page 13
PaQo14 @ Insurance Services Office, |no, 2O11 CAS9371O13
Location Number Address Where You Conduct Garage Operations (Main Location)
WA /016 /001 7850 S TRAFTON STREET TACOMA
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $300,000 Limit Of Insurance $499
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $300,000 Limit Of Insurance $464
$500 Deductible For Each Customer's
Auto
CA 99 37 10 13 Insurance Services Office, Inc., 2011 Page 15
Location Number Address Where You Conduct Garage Operations (Main Location)
CO /017 /001 427/427 N SECOND STREET LA SALLE
Coverages Limit Of Insurance And Deductible Premium
Comprehensive $10,000 Limit Of Insurance $31
Deductible For Each Customer's
$500 Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For
$2,500 Loss Caused By Theft Or Mischief
Or Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All
Loss In Any One Event
Specified Limit Of Insurance
Causes Of Loss
Deductible For Each Customer's
Auto For Loss Caused By Theft Or
Mischief Or Vandalism
Maximum Deductible For Loss
Caused By Theft Or Mischief Or
Vandalism In Any One Event
OR
Limit Of Insurance
Deductible For All Perils For Each
Customer's Auto
Maximum Deductible For All Loss
In Any One Event
Collision $10,000 Limit Of Insurance $37
$500 Deductible For Each Customer's
Auto
Page 16 @ Insurance Services Office, Inc., 2011 CA 99 37 10 13
Total Garagelkeepers Premium For All Locations $12,007
Info ove,will be shown in the Declarations.
Direct Coverage Options
Indicate below with mn "X"which, if any, Direct Coverage Option isselected.
[_]Eruesn |nsunanoe
If this box is checked, Garagekeepers Coverage remains applicable on a legal liability basis. However,
coverage also applies without regard to your or any other"insured's" legal liability for"loss"to a"customer's
auto"on an excess basis over any other collectible insurance regardless of whether the other insurance
covers your or any other"insured's" interest or the interest of the"customer's auto's"owner.
Primary Insurance
If this box is checked, Garagekeepers Coverage is changed to apply without regard to your or any other
"insured's" legal liability for"loss"to a "customer's auto"and is primary insurance.
A. This endorsement provides only those coverages: 2. We will have the right and duty to defend any
"insured" against u "suit" asking for these
1. VVheneaLimii0f|neumnoe �ndapremiumara
shown for that coverage in the Schedule; and damages. However, me have no duty&odefend
any ''inaued^ against a ^ouit" seeking damages
2. For the location shown in the Schedule. for ^|uaa^ to which this insurance does not
B. Coverage apply. VV* may investigate and settle any claim
1. We will pay all sums the "insured" |mga||Y must or "suit" as we consider appropriate. Our duty ty
pay as damages for "loss" to a "customer's to defend uraeU^|m ends for a coverage when
Insurance for that coverage has
uuto'' or^cusioma/smuto'. �ho Limit of |nsu equipment left inthe been exhausted by payment of judgments or
^inxunod'a^ care vvhi|ethe ''inauned^ iaoUending'servicing, nepairing, parking or storing seb|ummntanA it in your .
^garage operations"under: 3. Who |sAnInsured
a. Comprehensive Coverage The following are "insureds" for ''|ous^ to
From any cause except� "customer's autos" and "customer's auto"
� equipment
(i) The "customer's auto'o^ collision with a you
another object; or ' �
b- Your partners and their spouses, if you are
(2) The^uuokomm�suuho's^ovedum. m partnership, but only with respect iothe
b. Specified Causes Uf Loss Coverage conduct of your"garage opemhono^
Caused by: c. Your membem, if you are a limited liability
(1) Fine. lightning or explosion; oompony, but only with respect to the
conduct of your "garage operations". Your
(2) Theft; or managers are also ^inauredw^, but only with
(3) Mischief orvendu|iam vespmottoiheirdubesoayourmenegera vandalism. respect �
c. Collision Coverage d. Your "executive offic*m^ and directors, if
Caused by: you one an organization other than o
|) The "customer's a�o'a^ collision with partnership or limited liability company, but
( only with respect to their duties as your
another object; or officers or directors. Your stockholders are
(2) The ^customer'sauto'u^overturn. also ''insun*du^, but only with respect to
their liability aostockholders.
C&89371013 @ Insurance Services Office, (nc, 2O11 Poge17
e. Yo than either your d. Faulty Work
11 executive u//cem (i/ you are an Fauhy"work you pedbrmed^
organization other than a partnership ur �
limited liability company) oryour managers 2. We will not pay for "loss" to any of the
(if you are a limited liability oumpony), but following:
only for acts within the scope of a. Tape decks or other sound-reproducing
employment by you or xvhi|m performing equipment unless permanently installed inu
their duties related to the conduct of your ^uue|ommr'aou(u^
^garage opemdons"
. b' Tapex, records or other sound-reproducing
4. Coverage Extensions devices designed for use with sound-
The following applies as Supplementary reproducing equipment.
Payments. VVo will pay for the ^insuved'': c. Sound-receiving equipment designed for
a. All expenses weincur. use as a citizens bond mdio, two-way
b' The costs of bonds to release attachments mobile radio or telephone or scanning
monitor reoeiv*r, including its antennas and
but only for bond amounts within our Limit inany^aui['ug�ine�un ^ineurud''wedefend. other onoeaeo''�ea' un|moa permanently
of installed in the dash or console opening
`
� normally used by the "customer's auto"
u. All reasonable expenses incurred by the manufacturer for the installation of radio.
"inaured" at our request, including u«1ua| d Any device designed or used to detect
loss of earnings up to $250 a day because '
speed-measuring equipment, such aomdar
ofhme off h �from '
or laser dmk*dnm and any jamming
d. All court costs taxed against the ^inaunad'' in apparatus intended to elude or disrupt
any ^oui\^ against an ''innured^ wudefend. speed-measuring equipment.
However, these thaue payments do not include 3. VVavvi|| not pay for..|oso^caused byorresulting
attorneys' fees or attorneys' expenses from the following. Such ^|oaa^ is excluded
taxedoguinoithm^insuvod^ �
. regardless of any other cause or event that
e. All interest on the full amount of any contributes concurrently or in any sequence to
judgment that accrues after entry of the the"loss":
judgment in any "suit" against an "insured"
a VVar, including
we defend; but our duty to pay interest ends
' '
when we have paid, offered to pay, or b. Warlike action by a military force, including
deposited in court the part of the judgment action in hindering or defending against an
that is within our Limit ofInsurance. actual or expected a8ack, by any �
These payments will not reduce the Limit of government, sovereign or other ou1hoh4/ �
Insurance. using military personnel or other agents; mr �
�
C. Exclusions c. |neunecdon, mbeUimn, ravo|uUon, usurped
power or umUun taken by governmental
1. This insurance does not apply to any of the authority in hindering or defending against
following: any ofthese.
a. Contractual D. Limits Of Insurance And Deductibles
Liability resulting from any contract or 1. Regardless of the number of "customer's
agreement by which the "insured" accepts uuiom^. ^insunods^, premiums puid, claims
responsibility for ''|ome^ But this exclusion made or ^auitx^ brou8hi, the most wewill pay
does not apply to liability for ^|oao" that the for each ^|oem" at each location is the
"insured" would have in the absence cf the Guragmkeepem Coverage Limit Of Insurance
contract oragreement. shown in the Schedule for that location. Phorto
b. Theft the application of this |imi1, the damages for
"Loss" "loss" that would otherwise be payable will be
duo to theft orconversion caused in
reduced by the applicable deductibles for^|oau^
any way by you. your "employees" or by caused by:
your stockholders.
a. Collision;or
c. Defective Parts
Defective parts ormaterials.
Page1U @ Insurance Services Office, |no.. 2011 CA99371O13
�
b. With respect to Garagekeepers Coverage 2. "Loss" means direct and accidental loss or
Comprehensive or Specified Causes Of damage and includes any resulting loss ofuse.
Loss Coverage: 3. "Garage operations" means the ownership,
(1) Theft or mischief or vandalism; or maintenance or use of locations for the purpose
(2) All perils- of � business of selling, oomidng' repairing,
parking or storing ^cuskxnu/s autos" and that
2. The maximum deductible stated in the portion of the mudu or other accesses that
Schedule for Gamgekeapera Coverage adjoin these |uoubone. "Garage operations"
Comprehensive or Specified Causes Of Loss also includes all operations necessary or
Coverage is the most that will be deducted for incidental to the performance of garage
all ^|ons''in any one event caused by: operations.
a. Theft mr mischief or vandalism; or 4. "Work you performed" includes:
b. All perils. a. Work that someone performed on your
3. To settle a claim or^auk^.we may pay all orany behalf; and
pad of the deductible. If this happen* you must b. The providing of or failure to provide
reimburse us for the deductible or that pad of warnings or instructions.
the deductible that vvepaid,
E. Additional Definitions
Aa used in this endorsement:
1. "Customer's nu0o" means a land motor vehicle,
"trailer" or semitrailer lawfully within your
possession for sunvice, mpak, storage or
sofekaeping, with or without the vehicle
owner's knowledge or consent. A "customer's
auto" also includes any such vehicle left inyour
care by your^emp|oyeem^and members oftheir
households who pay for services performed.
CAS9371Oi3 @ Insurance Services Office, |no.. 2011 Page1S