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11/15/202
GHIRARDELLI ASSOCIATES, INC.,QVXUHG 1DPH
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Business Auto Policy
Policy Endorsement
CONTRACTORS EXTENDED COVERAGE ENDORSEMENT - BUSINESS AUTO PLUS I.
A.
1. 2.
a.
b.
(1)
(2)
3. 4.
1. 2.
B.
1. 2.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
LIABILITY COVERAGE
Who Is An Insured
The following is added to Section II, Paragraph A.1., Who Is An Insured:
a. Any incorporated entity of which the Named Insured owns a majority of the voting stock on the date of inception of this Coverage Form; provided that, b. The insurance afforded by this provision A.1. does not apply to any such entity that is an insured under any other liability "policy" providing auto coverage.
Any organization you newly acquire or form, other than a limited liability company, partnership or joint venture, and over which you maintain majority ownership interest.
The insurance afforded by this provision A.2.:
Is effective on the acquisition or formation date, and is afforded only until the end of the policy period of this Coverage Form, or the next anniversary of its inception date, whichever is earlier.
Does not apply to:
Bodily injury or property damage caused by an accident that occurred before you acquired or formed the organization; or
Any such organization that is an insured under any other liability "policy" providing auto coverage.
Any person or organization that you are required by a written contract to name as an additional insured is an insured but only with respect to their legal liability for acts or omissions of a person, who qualifies as an insured under SECTION II – WHO IS AN INSURED and for whom Liability Coverage is afforded under this policy. If required by written contract, this insurance will be primary and non-contributory to insurance on which the additional insured is a Named Insured.
An employee of yours is an insured while operating an auto hired or rented under a contract or agreement in that employee's name, with your permission, while performing duties related to the conduct of your business.
"Policy", as used in this provision A. Who Is An Insured, includes those policies that were in force on the inception date of this Coverage Form but:
Which are no longer in force; or
Whose limits have been exhausted.
Bail Bonds and Loss of Earnings
Section II, Paragraphs A.2. (2) and A.2. (4) are revised as follows:
In a.(2), the limit for the cost of bail bonds is changed from $2,000 to $5,000; and In a.(4), the limit for the loss of earnings is changed from $250 to $500 a day.
Policy No: BUA 6075689498
Policy Effective Date: 11/15/202
Policy Page: 80 of 342
Form No: CNA63359XX (04-2012)
Endorsement Effective Date: Endorsement Expiration Date:
Endorsement No: 15; Page: 1 of 4
Underwriting Company: "NFSJDBO$BTVBMUZ$PNQBOZ0G3FBEJOH 1", 151 N Franklin St, Chicago, IL
60606
© Copyright CNA All Rights Reserved. Includes copyrighted material of the Insurance Services Office, Inc., used with its permission.
Business Auto Policy
Policy Endorsement
C.
II.
A.
B.
a.
b.
C.
a.
D.
a.
b.
c.
d.
e.
(1)
(2)
E.
Fellow Employee
Section II, Paragraph B.5 does not apply.
Such coverage as is afforded by this provision C. is excess over any other collectible insurance.
PHYSICAL DAMAGE COVERAGE
Glass Breakage – Hitting A Bird Or Animal – Falling Objects Or Missiles The following is added to Section III, Paragraph A.3.:
With respect to any covered auto, any deductible shown in the Declarations will not apply to glass breakage if such glass is repaired, in a manner acceptable to us, rather than replaced.
Transportation Expenses
Section III, Paragraph A.4.a. is revised, with respect to transportation expense incurred by you, to provide:
$60 per day, in lieu of $20; subject to
$1,800 maximum, in lieu of $600.
Loss of Use Expenses
Section III, Paragraph A.4.b. is revised, with respect to loss of use expenses incurred by you, to provide:
$1,000 maximum, in lieu of $600.
Hired "Autos"
The following is added to Section III. Paragraph A.:
5. Hired "Autos"
If Physical Damage coverage is provided under this policy, and such coverage does not extend to Hired Autos, then Physical Damage coverage is extended to:
Any covered auto you lease, hire, rent or borrow without a driver; and Any covered auto hired or rented by your employee without a driver, under a contract in that individual employee's name, with your permission, while performing duties related to the conduct of your business.
The most we will pay for any one accident or loss is the actual cash value, cost of repair, cost of replacement or $75,000, whichever is less, minus a $500 deductible for each covered auto.
No deductible applies to loss caused by fire or lightning.
The physical damage coverage as is provided by this provision is equal to the physical damage coverage(s) provided on your owned autos.
Such physical damage coverage for hired autos will:
Include loss of use, provided it is the consequence of an accident for which the Named Insured is legally liable, and as a result of which a monetary loss is sustained by the leasing or rental concern.
Such coverage as is provided by this provision will be subject to a limit of $750 per accident.
Airbag Coverage
The following is added to Section III, Paragraph B.3.:
The accidental discharge of an airbag shall not be considered mechanical breakdown.
Policy No: BUA 6075689498
Policy Effective Date: 11/15/202
Policy Page: 81 of 342
Form No: CNA63359XX (04-2012)
Endorsement Effective Date: Endorsement Expiration Date:
Endorsement No: 15; Page: 2 of 4
Underwriting Company: "NFSJDBO$BTVBMUZ$PNQBOZ0G3FBEJOH 1", 151 N Franklin St, Chicago, IL
60606
© Copyright CNA All Rights Reserved. Includes copyrighted material of the Insurance Services Office, Inc., used with its permission.
Business Auto Policy
Policy Endorsement
F.
c.
d.
G.
a.
b.
c.
d.
(1)
(2)
III.
1. a.
b.
(1)
(2)
2. IV.
A.
Electronic Equipment
Section III, Paragraphs B.4.c and B.4.d. are deleted and replaced by the following:
Physical Damage Coverage on a covered auto also applies to loss to any permanently installed electronic equipment including its antennas and other accessories A $100 per occurrence deductible applies to the coverage provided by this provision.
Diminution In Value
The following is added to Section III, Paragraph B.6.:
Subject to the following, the diminution in value exclusion does not apply to:
Any covered auto of the private passenger type you lease, hire, rent or borrow, without a driver for a period of 30 days or less, while performing duties related to the conduct of your business; and
Any covered auto of the private passenger type hired or rented by your employee without a driver for a period of 30 days or less, under a contract in that individual employee's name, with your permission, while performing duties related to the conduct of your business.
Such coverage as is provided by this provision is limited to a diminution in value loss arising directly out of accidental damage and not as a result of the failure to make repairs; faulty or incomplete maintenance or repairs; or the installation of substandard parts.
The most we will pay for loss to a covered auto in any one accident is the lesser of:
$5,000; or
20% of the auto's actual cash value (ACV).
Drive Other Car Coverage – Executive Officers
The following is added to Sections II and III:
Any auto you don't own, hire or borrow is a covered auto for Liability Coverage while being used by, and for Physical Damage Coverage while in the care, custody or control of, any of your "executive officers", except:
An auto owned by that "executive officer" or a member of that person's household; or An auto used by that "executive officer" while working in a business of selling, servicing, repairing or parking autos.
Such Liability and/or Physical Damage Coverage as is afforded by this provision.
Equal to the greatest of those coverages afforded any covered auto; and Excess over any other collectible insurance.
For purposes of this provision, "executive officer" means a person holding any of the officer positions created by your charter, constitution, by-laws or any other similar governing document, and, while a resident of the same household, includes that person's spouse.
Such "executive officers" are insureds while using a covered auto described in this provision.
BUSINESS AUTO CONDITIONS
Duties In The Event Of Accident, Claim, Suit Or Loss
The following is added to Section IV, Paragraph A.2.a.:
Policy No: BUA 6075689498
Policy Effective Date: 11/15/202
Policy Page: 82 of 342
Form No: CNA63359XX (04-2012)
Endorsement Effective Date: Endorsement Expiration Date:
Endorsement No: 15; Page: 3 of 4
Underwriting Company: "NFSJDBO$BTVBMUZ$PNQBOZ0G3FBEJOH 1", 151 N Franklin St, Chicago, IL
60606
© Copyright CNA All Rights Reserved. Includes copyrighted material of the Insurance Services Office, Inc., used with its permission.
Business Auto Policy
Policy Endorsement
(4)
(6)
B.
C.
D.
E.
a.
V.
Your employees may know of an accident or loss. This will not mean that you have such knowledge, unless such accident or loss is known to you or if you are not an individual, to any of your executive officers or partners or your insurance manager.
The following is added to Section IV, Paragraph A.2.b.:
Your employees may know of documents received concerning a claim or suit. This will not mean that you have such knowledge, unless receipt of such documents is known to you or if you are not an individual, to any of your executive officers or partners or your insurance manager.
Transfer Of Rights Of Recovery Against Others To Us
The following is added to Section IV, Paragraph A.5. Transfer Of Rights Of Recovery Against Others To Us:
We waive any right of recovery we may have, because of payments we make for injury or damage, against any person or organization for whom or which you are required by written contract or agreement to obtain this waiver from us.
This injury or damage must arise out of your activities under a contract with that person or organization.
You must agree to that requirement prior to an accident or loss.
Concealment, Misrepresentation or Fraud
The following is added to Section IV, Paragraph B.2.:
Your failure to disclose all hazards existing on the date of inception of this Coverage Form shall not prejudice you with respect to the coverage afforded provided such failure or omission is not intentional.
Other Insurance
The following is added to Section IV, Paragraph B.5.:
Regardless of the provisions of Paragraphs 5.a. and 5.d. above, the coverage provided by this policy shall be on a primary non-contributory basis. This provision is applicable only when required by a written contract.
That written contract must have been entered into prior to Accident or Loss.
Policy Period, Coverage Territory
Section IV, Paragraph B. 7.(5).(a). is revised to provide:
45 days of coverage in lieu of 30 days.
DEFINITIONS
Section V. paragraph C. is deleted and replaced by the following:
Bodily injury means bodily injury, sickness or disease sustained by a person, including mental anguish, mental injury or death resulting from any of these.
Policy No: BUA 6075689498
Policy Effective Date: 11/15/202
Policy Page: 83 of 342
Form No: CNA63359XX (04-2012)
Endorsement Effective Date: Endorsement Expiration Date:
Endorsement No: 15; Page: 4 of 4
Underwriting Company: "NFSJDBO$BTVBMUZ$PNQBOZ0G3FBEJOH 1", 151 N Franklin St, Chicago, IL
60606
© Copyright CNA All Rights Reserved. Includes copyrighted material of the Insurance Services Office, Inc., used with its permission.
Business Auto Policy
Policy Endorsement
WAIVER OF TRANSFER OF RIGHTS OF RECOVERY
AGAINST OTHERS TO US (WAIVER OF SUBROGATION)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:
AUTO DEALERS COVERAGE FORM
BUSINESS AUTO COVERAGE FORM
MOTOR CARRIER COVERAGE FORM
With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement.
This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.
Named Insured: GHIRARDELLI ASSOCIATES, INC.
Endorsement Effective Date: 11/15/202
SCHEDULE
Name(s) Of Person(s) Or Organization(s):
Blanket when required by written contract.
Information required to complete this Schedule, if not shown above, will be shown in the Declarations.
The Transfer Of Rights Of Recovery Against Others To Us condition does not apply to the person(s) or organization(s) shown in the Schedule, but only to the extent that subrogation is waived prior to the "accident" or the "loss" under a contract with that person or organization.
Policy No: BUA 6075689498
Policy Effective Date: 11/15/202
Policy Page: 64 of 342
Form No: CA 04 44 10 13
Endorsement Effective Date: Endorsement Expiration Date:
Endorsement No: 4; Page: 1 of 1
Underwriting Company: "NFSJDBO$BTVBMUZ$PNQBOZ0G3FBEJOH 1", 151 N Franklin St, Chicago, IL
60606
© Copyright Insurance Services Office, Inc., 2011
Product Name
[Form Type]
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule. (This agreement applies only to the extent that you perform work under a written contract that requires you to obtain this agreement from us.) This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule.
Schedule
$Q\ Person or Organization)RU:KLFK7KH,QVXUHG+DV$JUHHG%\:ULWWHQ&RQWUDFW The premium charge for the endorsement is reflected in the Schedule of Operations.
All other terms and conditions of the policy remain unchanged.
This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below.
WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT
Policy No:
Policy EffectiveDate:
PTEFFDAT Policy Page: x of y
Form No: WC 00 03 13 (04-1984)
Endorsement Effective Date: [TEFFDAT] Endorsement Expiration Date:
Endorsement No: [ENDSEQNUM] ; Page: a of b
Underwriting Company: 1DWLRQDO)LUH,QVXUDQFH&RPSDQ\RI+DUWIRUG Copyright 1983 National Council on Compensation Insurance.
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