HomeMy WebLinkAboutInsurance Certificate: Carollo Engineers
ACORD~ CERTIFICATE OF LIABILITY INSURANCE I DATE (MM/DDIYY)
12/27/2010
PRODUCER 0564249 1-800-833-7337 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION
Heffernan Insurance Brokers/ ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE
Heffernan Professional Practices HOLDER. THIS CERTIFICATE DOES NOT AMEND, EXTEND OR
1808 Embarcadero Road, Suite A ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW.
Palo Alto, CA 94303 INSURERS AFFORDING COVERAGE
INSURED INSURER A: Hanover Insurance Comnanv
Carollo Engineers INSURER B: National Union Fire Insurance
Company
2700 Ygnacio Valley Road, 1#300 INSURERC:Massachusetts Bay Insurance Company
Walnut Creek, CA 94598 INSURER D: ACE American Insurance Company
, INSURER E:
COVERAGES
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. AGGREGATE LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
I!"I~~ TYPE OF INSURANCE POLICY NUMBER POLICY EFFECTIVE P~~l.fJ EXPIRATION LIMITS
A ~NERAL LIABILITY ZHFB944B9200 12/31/10 12/31/11 EACH OCCURRENCE $ 1,000,000
X COMMERCIAL GENERAL LIABILITY ~ FIRE DAMAGE (Anv one fire) $ 500,000
I CLAIMS MADE 0 OCCUR MED EXP (Anyone ""rson) $25,000
PERSONAL &ADV INJURY $ 1,000,000
GENERAL AGGREGATE $ 2,000,000
~'~ AGG~r;lE LIMIT APnS PER PRODUCTS - COMP/OP AGG $ 2,000,000
POLICY X ~,B.9.; LOC
A ~TOMOBILE LIABILITY AHFB9116B500 12/31/10 12/31/11
COMBINED SINGLE LIMIT $1,000,000
~ ANY AUTO (Eaaccidenl)
- ALL OWNED AUTOS BODILY INJURY
(Per person) $
- SCHEDULED AUTOS
- HIRED AUTOS BODILY INJURY
(Per accident) $
L- NON-OWNED AUTOS
PROPERTY DAMAGE $
(Peraccidenl)
~~GE LIABILITY AUTO ONLY. EA ACCIDENT $
ANY AUTO OTHER THAN EA ACC $
AUTO ONLY: AGG $
B ~ESS LIABILITY BE19715061 12/31/10 12/31/11 EACH OCCURRENCE $1,000,000
X OCCUR D CLAIMS MADE AGGREGATE $ 1,000,000
$
=i ,DEDUCTIBLE $
RETENTION $ $
C WORKERS COMPENSATION AND WDFB95749900 12/31/10 12/31/11 X I TVjHm~~ I 10ll!-
EMPLOYERS' LIABILITY $ 1,000,000
E.l. EACH ACCIDENT
E.L. DISEASE. EA EMPLOYE $1,000,000
E.L. DISEASE - POLICY LIMIT $ 1,000,000
OTHER
D Professional Liability G21656495007 07/04/10 07/04/11 Per Claim $ 1,000,000
Retroactive Date: Unlimited Aggregate $ 1,000,000
Deductible $400,000
DESCRIPTION OF OPERATlONSfLOCATIONSNEHICLESJEXCLUSIONS ADDED BY ENDORSEMENT/SPECIAL PROVISIONS
All operations of the named insured.
Professional Liability is written in aggregate limits of liability not less than the amount shown.
Re: Water Conservation & Reuse Study (WCRS) and Comprehensive Water Plan (CWMP) . Carollo Project #: B406A. 00.
The City of Ashland, Oregon, and its elected officials, officers and employees are included as additional insureds with
respects to General & Auto Liability. .<>'\\l1~~
CERTIFICATE HOLDER I I AD' iii \\ 1 Ri~"'E~ CANCELLATION *10 DAYS NOTICE FOR NON-PAYMENT OP PREMIUM
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION
City of Ashland ~ jt>.~ DATE THEREOF, THE ISSUING INSURER WILL ~MAlL ~ DAYS WRITTEN
............... NOTICE TO THE CERTIFICATE HOLDER NAMED TO THE LEFT, ~
it .'
20 East Main Street 11 : .....
~J~.,.KilIJ,XXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXXX
Ashland, OR 97520 AUTHORIZEO REPRESENTATIVE $
USA
ACORD 2S-S (7/97) Kristinb
1B923408
@ ACORD CORPORATION 198B
Architects and Enaineers
The following policy language is from Commercial General Liability Coverage Forms
The following are mandatory forms on the policy identified on the Certificate of Insurance:
421-0ns (09 09) CALIFORNIA COMMERCIAL GENERAL LIABILITY SPECIAL BROADENING ENDORSEMENT
. Addltlonaf Insured by Contract, Agreement or Permit
Under Section II - Who Is An insured, Paragraph 4. is added as follows:
4. a. Any person or organization with whom you agreed, because of a written contract, written agreement or permit to provide
insurance, is an insured, but only with respect to:
(1) "Vour work" for the additional insured(s) at the location designated in the contract, agreement or permit; or
(2) Premises you own, rent, lease or occupy,
This insurance applies on a primary basis if that is required by the written contract, written agreement or permit.
b. This provision does not apply:
(1) Unless the written contract or written agreement has been execufed or permit has been issued prior to the "bodily
injury", "property damage", "personal injury" or "advertising injury",
(2) To any person or organization included as an insured by an endorsement issued by us and made part of this Coverage
Part.
(3) To any person or organization included as an insured under item 2 of this endorsement.
(4) To any lessor of equipment:
(a) After the equipment lease expires; or
(b) If the "bodily injury", "property damage", "personal injury" or 'advertising injury" arises out of sole negligence of
the lessor.
(5) To any:
(a) Owners or other interests from whom land has been leased which takes place after the lease for the land ex-
pires; or
(b) Managers or lessors of premises if:
(i) The .occurrence takes place after you cease to be a tenant in that premises; or
(ii) The "bodily injury", "property damage", "personal injury" or "advertising injury" arises out of structural
alterations, new construction or demolition operations performed by or on behalf of the manager or lessor.
. Aggregate limit Per Location
(1) Under Section III - Limits of Insurance the General Aggregate Limit applies separately to each of your "locations"
owned by or rented to you.
(2) Under Section V ' Definitions, definition 23. is added as follows:
23. "Location" means premises involving the same or connecting lots. or premises whose connection is interrupted
only by a street, roadway, waterway or right'of-way of a railroad,
CG 2503 (05 09) DESIGNATED CONSTRUCTION PROJECT(S) GENERAL AGGREGATE LIMIT
. Aggregate Limit of Insurance (Per Project)
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Designated Construction Projects:
Vour projects away from premises owned by or rented to you
A. For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I - Coverage
A, and for all medical expenses caused by accidents under Section I ~ Co.verage C, which can be aftributed only to ongoing
operations at a single designated construction project shown in the Schedul~ above:
.'
1. A separate Designated Construction Project General Aggregate Limit applies to'each designated construction project, and that
limit is equal to the amount of the General Aggregate Limit shown in the Declarations,
,
2. The Designated Construction Project General Aggregate Limit is the most we will pay for the sum of all damages under
Coverage A, except damages because of "bodily injury" or "property damage" included in the "products-completed operations
hazard", and for medical expenses under Coverage C regardless of the number of:'
Includes copyrighted material of Insurance Services Offices, Inc., with its permission
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims or bringing "suits".
3. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce Ihe Designated
Construction Project General Aggregate Limit for that designated construction project. Such payments shall not reduce the
General Aggregate Limit shown in the Declarations nor shall they reduce any other Designated Construction Project General
Aggregate Limit for any other designated construction project show~ in the Schedule above.
4. The limits shown in the Declarations for Each Occurrence, Damage To Premises Rented To You and Medical Expense continue
to apply. However, instead of being subject to the General Aggregate limit shown in the Declarations, such limits will be subject
to the applicable Designated Construction Project General Aggregale Limit.
B, For all sums which the insured becomes legally obligated to pay as damages caused by "occurrences" under Section I - Coverage
A, and for all medical expenses caused by accidents under Section I - Coverage C, which cannot be attributed only to ongoing
operations at a single designated construction project shown in the Schedule above:
1. Any payments made under Coverage A for damages or under Coverage C for medical expenses shall reduce the amount
available under the General Aggregate Limit or the Products-completed Operations Aggregate Limit, whichever is appiicable;
and
2. Such payments shall not reduce any Designated Construction Project Generai Aggregate Limit.
C. When coverage for liability arising out of the "products-completed operations hazard" is provided, any payments for damages
because of "bodily injury" or "property damage" included in the "products-completed operations hazard" will reduce the Products-
completed Operations Aggregate Limit, and not reduce the General Aggregate Limit nor the Designated Construction Project
General Aggregate Limit.
D. If the applicable designated construction project has been abandoned, delayed, or abandoned and then restarted, or if the
authorized contracting parties deviate from plans, blueprints, designs, specifications or timetables, the project will still be deemed to
be the same construction project.
E, The provisions of Section 111- Limits Of Insurance not otherwise modified by this endorsement shali continue to appiy as stipulated,
421-0452 (06 07) OTHER INSURANCE - PRIMARY AND NON-CONTRIBUTORY (ADDITIONAL INSURED)
. Additional Insured by Contract, Agreement or Permit Amended - Primary & Non-Contributory
The following is added to Section IV - Commercial Generai Liability Conditions
4. Other Insurance
a. Additionallnsureds
If you agree in a written contract, written agreement or permit that the insurance provided to any person or organization
included as an Additional Insured under Section II - Who is An Insured, is primary and non-contributory, the following appiies:
If other valid and collectible insurance is available to the Additional Insured for a loss we cover under Coverages A or B of this
Coverage Part, our obligations are limited as follows:
1. Primary Insurance
This insurance is primary to other insurance that is available to the Additional Insured which covers the Additionai Insured
as a Named Insured. We will not seek contribution from any other insurance available to the Additional Insured except:
I. For the sole negligence of the Additional Insured;
If. when the Additionai Insured is an Additional Insured under another primary liability policy; or
iii. when 2. below applies,
If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then,
we will share with all that other insurance by the method described in 3, below.
2, Excess Insurance
This insurance is excess over:
(1) Any of the other insurance, whether primary, excess, contingent or on any other basis:
(a) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for "your work";
(b) That is Fire insurance for premises rented to the Additional Insured or temporarily occupied by the Additional
Insured with permission of the owner;
(c) That is insurance purchased by the Additional Insured to cover the Additional Insured's liability as a tenant
for "property damage" to premises rented to the Additional Insured or temporarily occupied by the Additional
with permission of the owner; or
(d) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent nol subject to
Exclusion g, of Section 1- Coverage A - Bodily Injury And Property Damage Liability.
Includes copyrighted material of Insurance Services Offices, Inc., with its permission
When this insurance is excess, we will have no duty under Coverages A or B to defend the insured against any "suit" if any
other insurer has a duty to defend the insured against Ihal "suit". If no other insurer defends, we will undertake to do so, but we
will be entitled to the insured's righls against all those other insurers,
When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds
the sum of:
1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and
2) The total of all deductible and self-insured amounts under all that other insurance,
We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and
was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part.
3, Method Of Sharing
If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each
insurer contributes equal amounls until it has paid its applicable limit of insurance or none of the loss remains, whichever comes
first.
If any of the other insurance does not permit contribution by equal shares, we will contribute by limits, Under this method, each
insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers.
CG0001 (1207) COMMERCIAL GENERAL LIABILITY COVERAGE FORM
. Separation of Insureds
Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named
Insured, this insurance applies:
a. As if each Named Insured were the only Named Insured: and
b. Separately to each insured against whom claim is made or "suit" is brought.
CG 2404 (05 09) WAIVER OF TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US
. Waiver of Subrogation
COMMERCIAL GENERAL LIABILITY COVERAGE PART
PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART
SCHEDULE
Name Of Person Or Organization:
Persons or organizations with whom you have a written contract, executed prior to the "bodily injury" or "property damage:'
that requires you to waive your rights of recovery
The following is added to Paragraph 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV - Conditions:
We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we
make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization
and included in the "products-completed operations hazard", This waiver applies only to the person or organization shown in the
Schedule above.
Narnedlnsured:Carollo Engineers
Policy No.: ZHF894489200
Additional Insured: Any person or organization with whom you have agreed in written contract,
executed prior to loss. to name as additional insured.
this Notice does not form a part of the Insurance contract.
No coverage is provided by this Notice, nor can it be construed to replace any provisions of the policy (including its endorsements). If there is any conflict between this Notice and
the policy
(including its endorsements), the provisions of the policy (including Its endorsements) shall prevail.
Includes copyrighted material of Insurance Services Offices, Inc., with its permission
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BUSINESS AUTO COVERAGE
BROADENING ENDORSEMENT
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
With respect to coverage provided by this endorsement. the provisions of the Coverage Form
apply unless modified by the endorsement.
1. CANCELLATION EXTENSION
Paragraph A. CANCELLATION 2. b, of the
COMMON POLICY CONDITIONS is
replaced with the following:
b. 60 days before the effective date
of cancellation if we cancel for
any other reason.
d. Any business entity for which you
have a financial interest greater
than 50% of the voting stock or
otherwise have a controlling
interest after the effective date of
this policy or that is newly
acquired or formed by you during
the term of this policy.
SECTION I - COVERED AUTOS
2. EMPLOYEE HIRED "AUTOS"
Description Of Covered Auto
Designation Symbols; Symbol 8 is
replaced by the following:
The coverage provided by this
provision is afforded until
expiration or termination of this
policy, whichever occurs earlier.
SECTION II - LIABILITY COVERAGE
The coverage provided by this
provision does not apply to any
business entity described in d.
above that qualifies as an
insured under any other
automobile liability policy issued
to that business entity as a
named insured or would have
been an insured except for the
exhaustion of the policy limits or'
the insolvency of the insurer.
8 = Hired "Autos" Only - Only those "autos"
you lease, hire, rent or borrow; including
"autos" your employee hires at your
direction, for the purpose of conducting your
business. This does not include any "auto"
you lease. hire, rent, or borrow from any of
your "employees" or partners or members of
their households.
3. BROADENED NAMED INSURED
The coverage provided by this
provision does not apply to
"bodily injury" nor "property
damage" arising from an
accident that occurred prior to
your acquiring or forming the
business entity described in d.
above.
The following is added to the SECTION II -
LIABILITY COVERAGE, Paragraph 1. Who
Is An Insured provision:
Includes copyrighted material of Insurance Services Office, Inc. with its permission,
Copyright, Insurance Services Office, lnc" 1996
461-0155 (9-97)
4. EMPLOYEES AS INSUREDS
SECTION III - PHYSICAL DAMAGE
COVERAGE.
7. EXPENSE OF RETURNING A STOLEN
"AUTO" and SIGN COVERAGE
The following is added to the SECTION II -
LIABILITY COVERAGE, Paragraph 1. Who
Is An Insured provision:
e. Any employee of yours is an
"insured" while using a covered
"auto" you do not own, hire or
borrow in your business or your
personal affairs.
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.1.
COVERAGE:
5. SUPPLEMENTARY PAYMENTS
d. Expense Of Returning A Stolen
'"Auto"
The following amends SECTION II -
LIABILITY COVERAGE, Paragraph 2.
Coverage Extensions provision:
We will pay for the expense of
returning a covered "auto" to you.
e, Sign Coverage
Paragraph (2) is replaced by the following:
(2) Up to $2500 for cost of bail bonds
(including bonds for related traffic
law violations) required because
of an "accident" we cover. We do
not have to furnish these bonds.
We will pay for loss to signs,
murals. paintings or graphics,
as part of equipment, which are
displayed on a covered "auto".
Paragraph (4) is replaced by the following:
(4) All reasonable expenses incurred
by the "insured" at our request,
including actual loss of earnings
up to $500 a day because of time
off from work.
The most we will pay for "loss" in
anyone "accident" is the lesser of:
6. AMENDED FELLOW EMPLOYEE
EXCLUSION
1. nie actual cash value of
the property as of the
time of the "loss"; or
2. The cost of repairing or
replacing the damaged or
stolen property with other
property of like kind and
quality; or
3. $2,000.
8. GLASS BREAKAGE DEDUCTIBLE
The following is added to the SECTION II -
LIABILITY COVERAGE, B. Exclusions
Paragraph 5. Fellow Employee exclusion:
This exclusion does not apply if the
"bodily injury" arises from the use of a
covered "auto" you own or hire. This
coverage is excess over any other
collectible insurance
The'following is added to SECTION 111-
PHYSICAL DAMAGE COVERAGE A.
COVERAGE paragraph 3. Glass
Breakage - Hitting a Bird or Animal -
Falling Objects or Missiles:
Any deductible shown in the
Declarations as applicable to the
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc" 1996
461-0155 (9-97)
covered "auto" will not apply to glass
breakage if such glass is repaired, rather
than replaced.
9. TRANSPORTATION EXPENSE
Paragraph 4. Coverage Extension. of
SECTION III - PHYSICAL DAMAGE
COVERAGE, A. COVERAGE is replaced
with the following:
4. Coverage Extension
We will pay up to $50 per day to a
maximum of $1500 for temporary
transportation expense incurred by
you because of the total theft of a
covered "auto" of the private
passenger type. We will pay only
for those covered "autos" for which
you carry either Comprehensive or
Specified Causes of Loss Coverage,
We will pay for temporary
transportation expenses incurred
during the period beginning 24
hours after the theft and ending,
regardless of the policy's expiration,
when the covered "auto" is returned
to use or we pay for its "loss".
10. HIRED AUTO PHYSICAL DAMAGE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.
COVERAGE:
5. Hired Auto Physical Damage
If hired "autos" are covered "autos"
for Liability Coverage and if Physical
Damage Coverage of
Comprehensive, Specified Causes
of Loss. or Collision is provided
under this Coverage Form for any
"auto" you own, then the Physical
Damage Coverage(s) provided is
extended to "autos" you hire without
a driver or your employee hires,
without a driver, at your
direction, for the purpose of
conducting your business. for a
period of 30 days or less, of like kind
and use as the "autos" you own,
subject to the following:
The most we will pay for anyone
loss is the lesser of the following:
a. $50,000 per accident, or
b. cash value, or
c. the cost of repair,
minus the deductible equal to the
lowest deductible applicable to any
owned "auto" for that coverage. Any
deductible shown in the
Declarations does not apply to "loss"
caused by fire or lightning. Subject
to the limit and deductible stated
above, we will provide coverage
equal to the broadest coverage
provided to any covered "auto" you
own, that is applicable to the loss.
If the loss arises from an accident
for which you are legally liable and
the lessor incurs an actual financial
loss from that accident, we will
cover the lessor's actual financial
loss of use of the hired "auto" for a
period of up to seven consecutive
days from the date of the accident,
subject to a limit of $1,000 per
accident.
11. AUDIO, VISUAL AND DATA
ELECTRONIC EQUIPMENT
COVERAGE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.
COVERAGE:
6. Audio, Visual and Data Electronic
Equipment Coverage
We will pay for "loss" to any
electronic equipment that receives
461-0155 (9-97)
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc., 1996
or transmits audio, visual or data
signals and that is not designed
solely for the reproduction of sound.
This coverage applies only if the
equipment is permanently installed
in the covered "auto" at the time of
the "loss" or the equipment is
removable from a housing unit
which is permanently installed in the
covered "auto' at the time of the
"loss", and such equipment is
. designed to be solely operated by
use of the power from the "auto's"
electrical system, in or upon the
covered "auto". including its
antennas and other accessories.
However, this does not include
tapes, records or discs.
b. Permanently installed
in the opening of the dash or
console normally used by
the manufacturer for the
installation of a radio.
With respect to coverage herein, the
LIMIT OF INSURANCE provision of
PHYSICAL DAMAGE COVERAGE
is replaced by the following:
1. The most we will pay for all
"loss" to audio. visual or data
electronic equipment and any
accessories used with this
equipment as a result of any
one "accident" is the lesser of
The exclusions that apply to
PHYSICAL DAMAGE COVERAGE,
except for the exclusion relating to
Audio, Visual and Data Electronic
Equipment, also apply to coverage
provided herein. In addition, the
following exclusions apply:
We will not pay. under this
coverage, for either any electronic
equipment or accessories used with
such electronic equipment that is:
a. The actual cash value of
the damaged or stolen
property as of the time of
the "loss"; or
b. The cost of repairing or
replacing the damaged or
stolen property with other
property of like kind and
quality; or
c. $500.
1. Necessary for the normal
operation of the covered
"auto" or the monitoring of
the covered "auto's"
operating system; or
2. An adjustment for
depreciation and physical
condition will be made in
determining actual cash value
at the time of the "loss".
a. An integral part of the
same unit housing any
sound reproducing
equipment designed
solely for the
reproduction of sound if the
sound reproducing
equipment is permanently
installed in the covered
"auto", and
3, Deductibles applicable to
PHYSICAL DAMAGE
COVERAGE; do not 'apply
to this Audio, Visual and Data
Electronic Equipment
Coverage.
2. Both:
If there is other coverage provided
by this policy for audio, visual and
data electronic equipment. the
coverage provided herein is
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc.. 1996
461-0155 (9-97)
excess. However, you may elect to
apply the limit or any portion thereof
of coverage provided herein to pay
any deductible that is applicable
under the provisions of the other
coverage.
12. RENTAL REIMBURSEMENT and
MATERIAL TRANSFER EXPENSE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, A.
COVERAGE:
7. Rental Reimbursement and
. Material Transfer Expense
This coverage provides only those
Physical Damage Coverages where
a premium is shown in the
Declarations. It applies only to a
covered "auto" described or
designated to which the Physical
Damage Coverages apply.
We will pay for auto rental expenses
and the expenses, incurred by you
because of "loss" to a covered
"auto", to remove and transfer your
materials and equipment from the
covered "auto" . Payment applies in
addition to the otherwise applicable
amount of each coverage you have
on a covered "auto". No deductibles
apply to this coverage.
We will pay only for those auto
rental expenses incurred during the
policy period beginning 24 hours
after the "loss" and ending,
regardless of the policy's expiration,
with the lesser of the following
number of days:
1. The number of days
reasonably required to
repair or replace the
covered "auto". If "loss" is
caused by theft, this
number of days is added
to the number of days it
takes to locate the covered
"auto" and transport it to a
repair shop,
2. 60 days.
Our payment is limited to the lesser
of the following amounts:
1. Necessary and actual
expenses incurred,
incl!Jding loss of use.
2. $3000.
This auto rental expense coverage
does not apply while there are spare
or reserve "autos" available to you
for your operations.
If "loss" results from the total theft of
a covered "auto" of the private
passenger type, we will pay under
this coverage only that amount of
your rental reimbursement
expenses which is not already
provided for under the SECTION
III - PHYSICAL DAMAGE
COVERAGE, A. 4. Coverage
Extension.
13, AIRBAG COVERAGE
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, B.
Exclusions, paragraph 3.
The portion of this exclusion relating to
mechanical or electrical breakdown does not
apply to the accidental discharge of an
airbag. This coverage is excess of other
collectible insurance or warranty. No
deductible applies to this Airbag Coverage.
461-0155 (9-97)
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc" 1996
14. AUTO LOAN PHYSICAL DAMAGE
EXTENSION
The following is added to SECTION III -
PHYSICAL DAMAGE COVERAGE, C.
Limit Of Insurance provision:
When a "loss" results in a total loss to a
covered auto you own for which a Loss
Payee is designated in this policy, the most
we will pay for "loss" in anyone "accident" is
the greater of:
1. The actual cash value of the
damaged or stolen property as of
the time of the "loss"; or
2. The outstanding balance of the
initial loan, less any amounts for
taxes, overdue payments, overdue
payment charges, penalties.
interest. any charges for early
termination of the loan. costs for
Credit Life Insurance, Health,
Accident or Disability Insurance
purchased with the loan, and
carry-over balances from previous
loans.
15. AUTO LEASE PHYSICAL DAMAGE
EXTENSION
The following is added io SECTION III -
PHYSICAL DAMAGE COVERAGE, C.
Limit Of Insurance provision:
If, because of damage. destruction or theft
of a covered "auto", which is a long-term
leased "auto". the lease agreement between
you and the lessor is terminated, "we" will
pay the difference between the amount paid
under paragraph C. LIMIT OF INSURANCE
1, or 2. and the amount due at the time of
"loss" under the terms of the lease
agreement applicable to the leased "auto"
which you are required to pay: less any fees
to dispose of the auto; any overdue
payments; financial penalties
imposed under a lease for excessive use,
abnormal wear and tear or high mileage;
security deposits not refunded by the lessor;
cost for extended warranties, Credit Life
Insurance, Health, Accident or Disability
Insurance purchased with the loan; and
carry over balances from previous leases.
This coverage applies only to the initial lease
for the covered "auto" which has not
previously been leased. This coverage is
excess over all other collectible insurance.
SECTION IV - CONDITIONS
16. DUTIES IN THE EVENT OF
ACCIDENT, CLAIM, SUIT OR LOSS
The following is added to SECTION IV -
BUSINESS AUTO CONDITIONS, A. Loss
Conditions, 2. Duties In The Even.t Of
Accident, Claim, Suit Or Loss:
d. Knowledge of any "accident".
claim, "suit" or "loss" will be
deemed knowledge by you when
notice of such "accident".
claim, "suit" or "loss" has been
received by:
(1) You. if you are an individual;
(2) Any partner or insurance
manager if you are a
partnership; or
(3) An executive officer or
insurance manager if you are
a corporation.
17. BLANKET WAIVER OF
SUBROGATION
Paragraph 5. Transfer Of Rights Of
Recovery Against Others To Us,
SECTION IV - BUSINESS AUTO
CONDITIONS, A. Loss Conditions is
replaced by the following:
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc" 1996
461-0155 (9-97)
5. Transfer Of Rights Of Recovery
Against Others To Us
If any person or organization to or
for whom we make payment under
this Coverage Form has rights to
recover damages from another,
which have not been waived through
the execution of an "insured
contract", written agreement, or
permit, prior to the "accident" or
"loss" giving rise to the payment,
those rights to recover damages
from another are transferred to us.
That person or organization must do
everything necessal;y to secure,our
rights and must do nothing after the
"accident" or "loss" to impair them.
18. UNINTENTIONAL FAILURE TO
DISCLOSE INFORMATION
The following is added to SECTION IV
BUSINESS AUTO CONDITIONS. B.
General Conditions, paragraph 2.
Concealment, Misrepresentation Or
Fraud:
Your unintentional error in disclosing, or
failure to disclose. any material fact
existing after the effective date of this
Coverage Form shall not prejudice your
rights under this Coverage Form.
However, this provision does not affect
our right to collect additional premium or
exercise our right of cancellation or
non renewal.
19. HIRED AUTO - WORLDWIDE
COVERAGE
The following is added to SECTION IV -
Business Auto Conditions, B. General
Conditions, paragraph 7, Policy Period,
Coverage Territory provision:
e. Outside the coverage territory
described in a., b" c., and d.
above for an "accident" or "loss"
resulting from the use of a
covered "auto" you hire, without a
driver, or your employee hires
without a driver, at your direction,
for the purpose of conducting your
business, for a period of 30 days
or less, provided the suit is
brought within The United States
of America or its territories or
possessions.
SECTION V - DEFINITIONS
20. MENTAL ANGUISH
Paragraph C. "Bodily injury", SECTION V -
DEFINITIONS is replaced by the following:
C, "Bodily injury" means bodily injury,
sickness or disease sustained by a
person including death or mental
anguish resulting from any of these.
461-0155 (9-97)
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
Copyright, Insurance Services Office, Inc" 1996