ABE }Holder Identifier : 7777777707070700077763616065553330772607457215557707543137672406211073750476157320030737045452177551207472400776275557075262775724767700772241155205471207704011752274530077727252025773110777777707000707007 6666666606060600062606466204446200622002404006200206200226260242222062020040422620220620002426224002206002204062262002060222240602622000620200404226020006220006040222422066646062240664440666666606000606006 Certificate No : 570112753246
CERTIFICATE OF LIABILITY INSURANCE
DATE(MM/DD/YYYY )
05/27/2025
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).
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATI ON ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AM END, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE P OLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONST ITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AU THORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
PRODUCER
Aon Risk Services Central, Inc.
Chicago IL Office
200 East Randolph
Chicago IL 60601 USA
PHONE
(A/C. No. Ext):
E-MAIL
ADDRESS :
INSURER(S) AFFORDING COVERAGE NAIC #
(866) 283-7122
INSURED 16535 Zurich American Ins Co INSURER A :
INSURER B :
INSURER C :
INSURER D :
INSURER E :
INSURER F :
FAX
(A/C. No .): (800) 363-0105
CONTACT
NAME:
A-C Electric Company
P.O. Box 81977
Bakersfield, CA 93380-1977 USA
COVERAGES CERTIFICATE NUMBER : 570112753246 REVISION NUMBER :
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE L ISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED A BOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH R ESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSUR ANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS S UBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES . LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS . Limits shown are as requested
POLICY EXP
(MM /DD /YYYY )
POLICY EFF
(MM /DD /YYYY )
SUBR
WVD
INSR
LTR
ADDL
INSD POLICY NUMBER TYPE OF INSURANCE LIMITS
COMMERCIAL GENERAL LIABILITY
CLAIMS-MADE OCCUR
POLICY LOC
EACH OCCURRENCE
DAMAGE TO RENTED
PREMISES (Ea occurrence )
MED EXP (Any one person )
PERSONAL & ADV INJURY
GENERAL AGGREGATE
PRODUCTS - COMP /OP AGG
X
X
X
GEN 'L AGGREGATE LIMIT APPLIES PER :
$1,000,000
$1,000,000
$10,000
$1,000,000
$1,000,000
$1,000,000
A 04/01/2025 04/01/2026 Y GLO550320012
PRO-
JECT
OTHER :
AUTOMOBILE LIABILITY
ANY AUTO
OWNED
AUTOS ONLY
SCHEDULED
AUTOS
HIRED AUTOS
ONLY
NON-OWNED
AUTOS ONLY
BODILY INJURY ( Per person)
PROPERTY DAMAGE
(Per accident)
X
BODILY INJURY (Per accident)
$1,000,000 A 04/01/2025 04/01/2026 COMBINED SINGLE LIMIT (Ea accident)
BAP 5503201-12
EXCESS LIAB
OCCUR
CLAIMS-MADE AGGREGATE
EACH OCCURRENCE
DED
UMBRELLA LIAB
RETENTION
E.L. DISEASE-EA EMPLOYEE
E.L. DISEASE-POLICY LIMIT
E.L. EACH ACCIDENT
$1,000,000
X OTH-
ER
PER STATUTE A 04/01/2025 04/01/2026
$1,000,000
Y / N
(Mandatory in NH)
ANY PROPRIETOR / PARTNER / EXECUTIVE
OFFICER/MEMBER EXCLUDED? N / A
Y
N
WORKERS COMPENSATION AND
EMPLOYERS' LIABILITY
If yes, describe under
DESCRIPTION OF OPERATIONS below
$1,000,000
WC550319912
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) RE: City of Bakersfield - City of Bakersfield Water Department - On-call Electrical Services. City of Bakersfield and its mayor, council, officers, agents, employees, or designated volunteers are included as Additional Insured in accordance with the policy provisions of the General Liability policy. General Liability and Automobile Liability policies evidenced herein are Primary and Non-Contributory to other insurance available to an Additional Insured, but only in accordance with the policy's provisions. A Waiver of Subrogation is granted in favor of Certificate Holder in accordance with the policy provisions of the Workers' Compensation policy.
CANCELLATION CERTIFICATE HOLDER
AUTHORIZED REPRESENTATIVE
City of Bakersfield
Water Resources Department
1000 Buena Vista Road
Bakersfield CA 93311 USA
ACORD 25 (2016/03)
©1988-2015 ACORD CORPORATION. All rights reserved.
The ACORD name and logo are registered marks of ACORD
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCE LLED BEFORE THE
EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS .
WC 252 (4-84)
WC 04 03 06 (Ed. 4-84) Page 1 of 1
WORKERS’ COMPENSATION AND EMPLOYERS’ LIABILITY INSURANCE POLICY WC 04 03 06 (Ed. 4-84)
WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS ENDORSEMENT—
CALIFORNIA
This endorsement changes the policy to which it is attached eff ective on the inception date of the policy unless a different date is indicated below.
(The following “attaching clause” need be completed only when this endorsement is issued subsequent to preparation of the policy.)
This endorsement, effective on at 12:01 A.M. standard time, f orms a part of (DATE)
Policy No. Endorsement No. ____________________________
of the ____________________________________________________________________________________
(NAME OF INSURANCE COMPANY)
issued to __________________________________________________________________________________
Premium (if any) $ _____________________
Authorized Representative
We have the right to recover our payments from anyone liable fo r an injury covered by this policy. We will not enforce our right against the person or organization named in t he 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.) You must maintain payroll records accurately segregating the re muneration of your employees while engaged in the work described in the Schedule.
The additional premium for this endorsement shall be _______ % of the California workers’ compensation pre - mium otherwise due on such remuneration.
Schedule
Person or Organization Job Description
A-C Electric Company
4/1/2025
WC550319912
Any person or organization for whom you are
required by written contract or written agreement to
obtain this waiver of rights from us.
Zurich American Ins Co
U-GL-2162-A CW (02/19)
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
INTERNAL USE ONLY
Additional Insured – Automatic – Owners, Lessees Or
Contractors
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Policy No. Effective Date:
This endorsement modifies insurance provided under the:
Commercial General Liability Coverage Part
A. Section II – Who Is An Insured is amended to include as an additional insured any person or organization whom you are required to add as an additional insured under a written co ntract or written agreement executed by you, but only with respect to liability for "bodily injury", "property damage " or "personal and advertising injury" and subject to the following:
1. If such written contract or written agreement specifically req uires that you provide that the person or organization be named as an additional insured under one or both of the following endorsements:
a. The Insurance Services Office (ISO) ISO CG 20 10 (10/01 edition); or b. The ISO CG 20 37 (10/01 edition),
such person or organization is then an additional insured with respect to such endorsement(s), but only to the extent that "bodily injury", "property damage" or "personal and advertising injury" arises out of:
(1) Your ongoing operations, with respect to Paragraph 1.a. above; or (2) "Your work", with re spect to Paragraph 1.b. above, which is the subject of the written contract or written agreement.
However, solely with respect to this Paragraph 1., insurance afforded to such additional insured:
(a) Only applies if the "bodily injury", "property damage" or "personal and advertising injury" offense occurs during the policy period and subsequent to your execution of the written contract or written agreement; and
(b) Does not apply to "bodily injury" or "property damage" caused by "your work" and included within the "products-completed operations hazard" unless the written contr act or written agreement specifically requires that you provide such coverage to such additional insured.
2. If such written contract or written agreement specifically requ ires that you provide that the person or organization be named as an additional insured under one or both of the following endorsements:
a. The Insurance Services Office (ISO) ISO CG 20 10 (07/04 editio n); or b. The ISO CG 20 37 (07/04 edition),
such person or organization is then an additional insured with respect to such endorsement(s), but only to the extent that "bodily injury", "property damage" or "personal and advertising injury" is caused, in whole or in part, by:
(1) Your acts or omissions; or
(2) The acts or omissions of those acting on your behalf, GLO550320012 4/1/2025
U-GL-2162-A CW (02/19)
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
INTERNAL USE ONLY
in the performance of:
(a) Your ongoing operations, with respect to Paragraph 2.a. above; or (b) "Your work" and included in the "products-completed operations hazard", with respect to Paragraph
2.b. above,
which is the subject of the written contract or written agreement.
However, solely with respect to this Paragraph 2., insurance afforded to such additional insured:
(i) Only applies if the "bodily injury", "property damage" or "per sonal and advertising injury" offense occurs during the policy period and subsequent to your execution of the written contract or written agreement; and
(ii) Does not apply to "bodily injury" or "property damage" caused by "your work" and included within the "products-completed operations hazard" unless the written c ontract or written agreement specifically requires that you provide such coverage to such additional insured.
3. If neither Paragraph 1. nor Paragraph 2. above apply and such written contract or written agreement requires that you provide that the person or organization be named as an additional insured:
a. Under the ISO CG 20 10 (04/13 edition, any subsequent edition or if no edition date is specified); or b. With respect to ongoing operation s (if no form is specified), such person or organization is then an additional insured only to the extent that "bodily injury", "property damage" or "personal and advertising injury" is caused, in whole or in part by:
(1) Your acts or omissions; or
(2) The acts or omissions of those acting on your behalf, in the performance of your ongoing operations, which is the subject of the written contract or written agreement.
However, solely with respect to this Paragraph 3., insurance afforded to such additional insured:
(a) Only applies to the extent permitted by law;
(b) Will not be broader than that which you are required by the wr itten contract or written agreement to provide for such additional insured; and
(c) Only applies if the "bodily injury", "property damage" or "personal and advertising injury" offense occurs during the policy period and subsequent to your execution of the written contract or written agreement.
4. If neither Paragraph 1. nor Paragraph 2. above apply and such written contract or written agreement requires that you provide that the person or organization be named as an additional insured:
a. Under the ISO CG 20 37 (04/13 edition, any subsequent edition or if no edition date is specified); or b. With respect to the "products-completed operations hazard" (if no form is specified), such person or organization is then an additional insured only to the extent that "bodily injury" or "property damage" is caused, in whole or in part by "your work" and included in the "products-completed operations hazard", which is the subject of the written contract or written agreement.
However, solely with respect to this Paragraph 4., insurance afforded to such additional insured:
(1) Only applies to the extent permitted by law;
(2) Will not be broader than that which you are required by the written contract or written agreement to provide for such additional insured;
(3) Only applies if the "bodily injury" or "property damage" occur s during the policy period and subsequent to your execution of the written contract or written agreement; and (4) Does not apply to "bodily injury" or "property damage" caused by "your work" and included within the "products-completed operations haz ard" unless the written contr act or written agreement specifically requires that you provide such coverage to such additional insured.
U-GL-2162-A CW (02/19)
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
INTERNAL USE ONLY
B. Solely with respect to the insurance afforded to any additiona l insured referenced in Section A. of this endorsement, the following additional exclusion applies:
This insurance does not apply to "bodily injury", "property dam age" or "personal and advertising injury" arising out of the rendering of, or failure to render, any professional architectural, engineering or surveying services including:
1. The preparing, approving or failing to prepare or approve maps , shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or
2. Supervisory, inspection, architectural or engineering activiti es.
This exclusion applies 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 and advertising injury", involved the rendering of or the failure to render any professional architectural, engineering or surveying services.
C. Solely with respect to the coverage provided by this endorseme nt, the following is added to Paragraph 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit of Section IV – Commercial General Liability Conditions:
The additional insured must see to it that:
(1) We are notified as soon as practicable of an "occurrence" or o ffense that may result in a claim; (2) We receive written notice of a claim or "suit" as soon as prac ticable; and (3) A request for defense and indemnity of the claim or "suit" wil l promptly be brought against any policy issued by another insurer under which the additional insured may be an insured in any capacity. This provision does not apply to insurance on which the additional insured is a Named I nsured if the written contract or written agreement requires that this coverage be primary and non-contributory.
D. Solely with respect to the cove rage provided by this endorsement:
1. The following is added to the Other Insurance Condition of Section IV – Commercial General Liability Conditions:
Primary and Noncontributory insurance
This insurance is primary to and will not seek contribution fro m any other insurance available to an additional insured provided that:
a. The additional insured is a Named Insured under such other insurance; and b. You are required by written contract or written agreement that this insurance be primary and not seek contribution from any other insurance available to the additional insured.
2. The following paragraph is added to Paragraph 4.b. of the Other Insurance Condition under Section IV – Commercial General Liability Conditions:
This insurance is excess over:
Any of the other insurance, whether primary, excess, contingent or on any other basis, available to an additional insured, in which the additional insured on our policy is also covered as an additional insured on another policy providing coverage for the same " occurrence", offense, claim or "suit". This provision does not apply to any policy in which the additional insured is a Named Insured on su ch other policy and where our policy is required
by a written contract or written agreement to provide coverage to the additional insured on a primary and non- contributory basis.
E. This endorsement does not apply to an additional insured which has been added to this Coverage Part by an endorsement showing the additional insured in a Schedule of add itional insureds, and which endorsement applies specifically to that identified additional insured.
F. Solely with respect to the insurance afforded to an additional insured under Paragraph A.3. or Paragraph A.4. of this endorsement, the following is added to Section III – Limits Of Insurance:
Additional Insured – Automatic – Owners, Lessees Or Contractors Limit The most we will pay on behalf of the additional insured is the amount of insurance:
U-GL-2162-A CW (02/19)
Includes copyrighted material of Insurance Services Office, Inc., with its permission.
INTERNAL USE ONLY
1. Required by the written contrac t or written agreement referenced in Section A. of this endorsement; or
2. Available under the applic able Limits of Insurance shown in the Declarations, whichever is less.
This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.
All other terms, conditions, provisions and exclusions of this policy remain the same.
U-GL-1477-C CW (03/20)
Includes copyrighted material of Insurance Services Office, Inc., w ith its permission.
General Liability Extended Coverages
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Policy No. Effectiv e Date:
This endorsement modifies insurance provided under the:
Commercial General Liability Coverage Part
The following changes apply to this Coverage Part.
A. Fellow Employee And Incidental Medical Malpractice Coverage Paragraph 2.a.(1) of Section II – Who Is An Insured is replaced by the following:
2. Each of the following is also an insured:
a. Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if yo u are an organization other than a partnership, joint venture or limited liability com pany) or your managers (if you are a limited liab ility com pany), but only for acts within the scope of their employment by you or while perfo rming duties related to the conduct of your business. Howev er, none of these "employees" or "volunteer workers" are insureds f or:
(1) "Bodily injury" or "personal and advertising injury":
(a) To you, to your partners or members (if you are a partnership or joint venture) or to your members (if you are a limited liability com pany);
(b) For which there is any obligation to share damages with or rep ay someone else who must pay damages because of the injury described in Paragraph (1)(a) above; or (c) Arising out of his or her providing or failing to provide prof essional health care services, except any "bodily injury" or "personal and advertising injury" arising ou t of:
(1) Medical or paramedical services to persons performed by any ph ysician, dentist, nurse, emergency medical technician, paramedic or other licensed medic al care person employed by you to provide such services; or
(2) Emergency cardiopulmonary resuscitation (CPR) or first aid ser vices performed by any other employee of yours who is not a licensed medical professional.
B. Additional Insureds – Les s ees Of Premis es
1. Section II – Who Is An Insured is amended to include as an additional insured any person or or ganization who leases or rents a part of the premises you own or manage who yo u are required to add as an additional insured on this policy under a written contract or written agreement, b ut only with respect to liab ility arising out of your ownership, maintenance or repair of that part of the premises w hich is not reserved for the exclusive use or occupancy of such person or organization or any other tenant or lessee.
However, the insurance afforded to such additional insured:
a. Only applies to the extent permitted by law;
GLO550320012 4/1/2025
U-GL-1477-C CW (03/20)
Includes copyrighted material of Insurance Services Office, Inc., w ith its permission.
b. Will not be br oader than that which you are required by the written contract or written agreement to provide for such additional insured; and
c. Ends when the person or organization ceases to lease or rent pr emises from you.
2. With respect to the insurance afforded to the additional insur eds under this endorsement, the following is added to Section III – Limits Of Insurance :
The most we will pay on behalf of the additional insured is the amount of insurance:
a. Required by the written contract or written agreement referenc ed in Subparagraph B.1. above (of this endorsement); or
b. Available under the applicable Limits of Insurance shown in th e Declarations, whichever is less.
This Paragraph B. shall not increase the applicable Limits of Insurance shown in the Declarations.
C. Additional Insured – Vendors
1. The following change applies if this Coverage Part provides in surance to you for "bodily injury" and "property damage" included in the "products-completed operations hazard":
Section II – Who Is An Insured is amended to include as an additional insured any person or o rganization (referred to throughout this Paragraph C. as vendor) who you have agreed in a written contract or writte n agreement, prior to loss, to name as an additional insured, but only with respec t to " bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business.
However, the insurance afforded to such vendor:
a. Only applies to the extent permitted by law; and
b. Will not be br oader than that which you are required by the written contract or written agreement to provide for such vendor.
2. With respect to the insurance afforded to these vendors, the f ollowing additional exclusions apply:
a. The insurance afforded the vendor does not apply to:
(1) "Bodily injury" or "property damage" for which the vendor is ob ligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclu sion does not apply to liability for dam ages that the vendor would have in the absence of the contract or ag reement; (2) Any express warranty unauthorized by you;
(3) Any physical or chemical change in the product made intentiona lly by the vendor; (4) Repackaging, except when unpacked solely for the purpose of in spection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container;
(5) Any failure to make such inspections, adjustments, tests or se rvicing 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 of the products;
(6) Demonstration, installation, servicing or repair operations, e xcept such operations performed a t the vendor's premises in connection with the sale of the product; (7) Products which, after distribution or sale by you, have been l abeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for th e vendor; or (8) "Bodily injury" or "property damage" arising out of the sole n egligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on it s behalf. However, this exclusion does not apply to:
(a) The exceptions contained in Subparagraphs (4) or (6) above; or
U-GL-1477-C CW (03/20)
Includes copyrighted material of Insurance Services Office, Inc., w ith its permission.
(b) Such inspections, adjustments, tests or servicing as the vendo r has agreed to make or normally undertakes to make in the usual course of business, in connecti on with the distribution or sale of the products.
b. This insurance does not apply to any insured person or organiz ation from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. c. This insurance does not apply to any of "your products" for wh ich coverage is excluded under this Coverage Part.
3. With respect to the insurance afforded to these vendors under this Paragraph C., the following is added to Section III – Limits Of Insurance :
The most we will pay on behalf of the vendor is the amount of insurance:
a. Required by the written contract or written agreement reference d in Subparagraph C.1. above (of this endorsement); or
b. Available under the applicable Limits of Insurance shown in th e Declarations, whichever is less.
This Paragraph C. shall not increase the applicable Limits of Insurance shown in the Declarations.
D. Damage to Premises Rented or Occupied by You
1. The last paragraph under Paragraph 2. Exclusions o f S e c t i o n I – Coverage A – Bodily Injury And Property Damage Liability is replaced by the following:
Exclusions c. through n. do not apply to damage by fire; lightning; explosion; windstor m or hail; smoke; aircraft or vehicles; vandalism; weight of snow, ice or slee t; leakage from fire exti nguishing equipment, including sprinklers; or accidental discharge or leakage of water or steam from any p art of a system or appliance containing water or steam to premises while rented to you or temporarily occupied b y you with permission of the owner. A separate Damage To Premises Rented To You Limit of Insurance applies to this coverage as described in Section III – Limits Of Insurance .
2. Paragraph 6. of Section III – Limits Of Insurance is replaced by the following:
6. Subject to Paragr aph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of "property damage" to any one premises w hile rented to you, or in the case of damage by one or more covered perils to any one premise s, while rented to you or temporarily occupied by you with permission of the owner.
E. Limited Contractual Liability Coverage – Personal and Advertising Injury
1. Exclusion e. of Section I – Coverage B – Personal And Advertising Injury Liability is replaced by the following:
2. Exclusions
This insurance does not apply to:
e. Contractual Liability
"Personal and advertising injury" for which the insured has ass umed liability in a contract or agreement.
This exclusion does not apply to:
(1) Liability for dam ages tha t the insured would have in the absence of the contract or agre ement; or (2) Liability for "pers onal and advertising injury" if:
(a) The "personal and advertising injury" arises out of the offens es of false arrest, detention or imprisonment;
(b) The liability pertains to your business and is assumed in a written contract or written agreement in which you assume the tort liability of another. Tort liab ility means a liability that would be imposed by law in the absence of any contract or agreement; and
U-GL-1477-C CW (03/20)
Includes copyrighted material of Insurance Services Office, Inc., w ith its permission.
(c) The "personal and advertising injury" occurs subsequent to the execution of the written contract or written agreement.
Solely for purposes of liability so assumed in such written con tract or written agreement, reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "personal and advertising injur y" described in Paragraph (a) above, provided:
(i) Liability to such party for, or for the cost of , that party's defense has also been assumed in the same written contract or written agreement; and
(ii) Such attorney fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to w hich this insurance applies are alleged.
2. Paragraph 2.d. of Section I – Supplementary Payments – Coverages A and B is replaced by the following:
d. The allegations in the "suit" and the information we know abou t the "occurrence" or offense are such that no conflict appears to exist between the interests of the insured and the interests of the indemnitee.
3. The following is added to the paragraph directly following Par agraph 2.f. of Section I – Supplementary Payments – Coverages A and B:
Notwithstanding the provisions of Paragraph 2.e.(2) of Section I – Coverage B – Personal And Advertising Injury Liability , such payments will not be deemed to be damages for "personal and advertising injury" and will not reduce the limits of insurance.
F. Medical Payments – Increased Reporting Period
Paragraph 1.a. of Section I – Coverage C – Medical Payments is replaced by the following; a. We will pay medical ex penses as described below for "bodily injury" caused by an acci dent:
(1) On premises you own or rent;
(2) On ways next to premises you own or rent; or
(3) Because of your operations;
provided that:
(a) The accident takes place in the "cov erage territory" and during the policy period; (b) The expenses are incurred and reported to us within three year s of the date of the accident; and (c) The injured person submits to examination, at our expense, by physic ians of our choice as often as we reasonably require.
G. Supplementary Payments
The following changes apply to Supplementary Payments – Coverages A and B:
Paragraphs 1.b. and 1.d. are replaced by the following:
b. Up to $2,500 for the cost of bail bonds required because of ac cidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Cover age applies. We do not have to furnish these bonds. d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work.
H. Broadened Property Damage
1. Elevator Property Damage
a. The following is added to Exclusion j. of Section I – Coverage A – Bodily Injury And Property Damage Liability:
Paragraphs (3) and (4) of this exclusion do not apply to "property damage" arising ou t of the use of an elevator at premises you own, rent or occupy.
U-GL-1477-C CW (03/20)
Includes copyrighted material of Insurance Services Office, Inc., w ith its permission.
b. The following is added to Section III – Limits Of Insurance:
Subject to Paragraphs 2., 3. and 5. above, the most we w ill pay under Coverage A for damages because of "property damage" to property loaned to you or personal propert y in the care, custody or control of the insured arising out of the use of an elevator at premises you own, rent or occupy is $25,000 any one "occurrence".
2. Property Damage To Borrowed Equipment
a. The following is added to Exclusion j. of Section I – Coverage A – Bodily Injury And Property Damage Liability:
Paragraph (4) of this exclusion does not apply to "property damage" to equip ment you borrow from others at a jobsite.
b. The following is added to Section III – Limits Of Insurance:
Subject to Paragraphs 2., 3. and 5. above, the most we w ill pay under Coverage A for damages because of "property damage" to equipment you borrow from others at a jobs ite is $25,000 any one "occurrence".
I. Expected or Intended Injury or Damage
Exclusion a. of Section I – Coverage A – Bodily Injury And Property Damage Liability is replaced by the following:
a. Expected Or Intended Injury Or Damage
"Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting fro m the use of reasonable force to protect persons or property.
J. Definition – Bodily Injury
The "bodily injury" definition under the Definitions Section is replaced by the following:
"Bodily injury" means bodily injury, sickness or disease sustai ned by a person. This includes mental anguish, mental injury, shock, fright or death sustained by a person which resu lts from that bodily injury, sickness or disease.
K. Insured Status – Amateur Athletic Participants
Section II – Who Is An Insured is amended to include as an insured any person you sponsor whi le participating in amateur athletic activ ities. Howev er, no such person is an insured for:
a. "Bodily injury" to:
(1) Your "employee", "volunteer worker" or any person you sponsor while participating in such amateur athletic activ ities; or
(2) You, any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company) while participating in such amateur athletic activities; or b. "Property damage" to property owned by, occupied or used by, r ented to, in the care, custody or control of, or over which the physical control is being exercised for any purp ose by:
(1) Your "employee", "volunteer worker" or any person you sponsor; or (2) You, any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company).
L. Aircraft, Auto Or Watercraft
Exclusion g. of Section I – Coverage A – Bodily Injury And Property Damage Liability is replaced by the following:
g. Aircraft, Auto Or Watercraft
"Bodily injury" or "property damage" arising out of the ownersh ip, maintenance, use or entrustment to others of any aircraft, "auto" or watercraft owned or operated by or rent ed or loaned to any insured. Use includes operation and "loading or unloading".
This exclusion applies even if the claims against any insured a llege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of othe rs by that insured, if the "occurrence" which caused
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the "bodily injury" or "property damage" involved the ownership , maintenance, use or entrustment to others of any aircraft, "auto" or watercraft that is owned or operated by or rented or loaned to any insured.
This exclusion does not apply to:
(1) A watercraft while ashore on premises you own or rent; (2) A watercraft you do not own that is:
(a) Less than 51 feet long; and
(b) Not being used to carry persons for a charge;
(3) Parking an "auto" on, or on the ways next to, premises you own or rent, prov ided the "auto" is not owned by or rented or loaned to you or the insured;
(4) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft or watercraft; or
(5) "Bodily injury" or "property damage" arising out of:
(a) The operation of machinery or equipment that is attached to, o r part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subje ct to a compulsory or financial responsib ility law or other motor vehicle insurance law where it is licensed o r principally garaged; or (b) The operation of any of the machinery or equipment listed in P aragraph f.(2) o r f.(3) of the definition of "mobile equipment".
M. Definitions – Leased Worker, Temporary Worker and Labor Leasing Firm
1. The "leased worker" and "temporary worker" definitions under t he Definitions Section are replaced by the following:
"Leased worker" means a person leased to you by a "labor leasin g firm" under a written agreement between you and the "labor leasing firm", to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker".
"Temporary worker" means a person who is furnished to you to su pport or supplement your work force during "employee" absences, temporary skill short ages, upturns or downturns in business or to meet seasonal or s hort - term workload conditions. "Temporary worker" does not include a "leased worker".
2. The following definition is added to the Definitions Section:
"Labor leasing firm" means any person or organization who hires out workers to others, including any:
a. Employment agency, contractor or services;
b. Professional employer organization; or
c. Temporary help service.
N. Definitions – Your Product and Your Work
The "your product" and "your work" definitions under the Definitions Section are replaced by the following:
"Your product":
a. Means:
(1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by:
(a) You;
(b) Others trading under your name; or
(c) A person or organization whose business or assets you have acq uired; and (2) Containers (other than vehicles), materials, parts or equipmen t furnished in connection with such goods or products.
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b. Includes:
(1) Warranties or representations made at any time with respec t to the fitness, quality, durability, performance, use, handling, maintenance, operation or safety of "your produc t"; and (2) The providing of or failure to provide warnings or instruction s. c. Does not include vending machines or other property rented to or located for the use of others but not sold.
"Your work":
a. Means:
(1) Work, services or operations performed by you or on your behal f; and (2) Materials, parts or equipment furnished in connection with such work, services or operations. b. Includes:
(1) Warranties or representations made at any time with respec t to the fitness, quality, durability, performance, use, handling, maintenance, operation or safety of "your work"; and (2) The providing of or failure to provide warnings or instruction s.
O. Duties in the Event of Occurrence, Offense, Claim or Suit Co ndition The following paragraphs are added to Paragraph 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit of Section IV – Commercial General Liability C onditions:
Notice of an "occurrence" or of an offense which may result in a claim under this insurance or notice of a claim or "suit" shall be given to us as soon as practicable after knowledge of the "occurrence", offense, claim or "suit" has been reported to any insured listed under Paragraph 1. of Section II – Who Is An Insured or an "employee" authorized by you to giv e or receiv e such notice. Knowledge by other "employees" of an "occurrence", offense, claim or "suit" does not imply that you also have such knowledge.
In the event that an insured reports an "occurrence" to the wor kers compensation carrier of the Named Insured and this "occurrence" later develops into a General Liab ility claim, covered by this Coverage Part, the insured's failu re to report such "occurrence" to us a t the time of the "occurrence" shall not be deemed to be a viol ation of this condition.
You must, however, give us notice as soon as practicable after being made aware tha t the particular claim is a General Liability rather than a Workers Compensation claim.
P. Other Insurance Condition
Paragraphs 4.a. and 4.b.(1) of the Other Insurance Condition of Section IV – Commercial General Liability Conditions are replaced by the following:
4. Other Insurance
If other valid and collectible insurance is available to the in sured for a loss we cover under Coverages A or B of this Coverage Par t, our obligations are limited as follows:
a. Primary Insurance
This insurance is primary except when Paragraph b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we w ill share with all that other insurance by the method described in Paragraph c. below. However, this insurance is also primary to and will not seek contribution from any other insurance available to an additional insured provided that:
(1) The additional insured is a Named Insured under such other ins urance; and (2) You are required by written contract or written agreement that this insurance be primary and not seek contribution from any other insurance available to the addition al insured.
Other insurance includes any type of self insurance or other me chanism by which an insured arranges for funding of its legal liab ilities.
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b. Ex ce ss Insura nce
(1) This insurance is excess over:
(a) Any of the other insurance, whether primary, excess, contingen t or on any other basis:
(i) That is property insurance, Builder's Risk, Installation Risk or similar coverage for "your work"; (ii) That is property insurance purchased by you (including any ded uctible or self insurance portion thereof) to cover premises rented to you or temporarily occupie d by you with permission of the owner;
(iii) That is insurance purchased by you (including any deductible or self insurance portion thereof) to cover your liability as a t enant for "property damage" to premises rented to you or tempor arily occupied by you with permission of the owner;
(iv) If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section I – Coverage A – Bodily Injury And Property Damage Liability ; or
(v) That is property insurance (including any deductible or self i nsurance portion thereof) purchased by you to cover damage to:
i Equipment you borrow from others at a jobsite; or
ii Property loaned to you or personal property in the care, custo dy or control of the insured arising out of the use of an elevator at premises you own, rent or occupy. (b) Any other primary insurance (including any deductible or self insurance portion thereof) available to the insured covering liability for damages arising out of the p remises, operations, products, work or services for which the insured has been granted additional insu red status either by policy provision or attachment of any endorsement. Other primary insurance include s any type of self insurance or other mechanism by which an insured arranges for funding of its legal liabilities. (c) Any of the other insurance, whether primary, excess, contingen t or on any other basis, available to an additional insured, in which the additional insured on our poli cy is also covered as an additional insured on another policy providing coverage for the same "occu rrence", claim or "suit". This provision does not apply to any policy in which the additional insured is a Named Insured on such other policy and where our policy is required by written contra ct or written agreement to provide coverage to the additional insured on a primary and non-contrib utory basis.
Q. Unintentional Failure to Disclose All Hazards
Condition 6. Representations of Section IV – Commercial General Liability C onditions is replaced by the following:
6. Representations
By accepting this policy, you agree:
a. The statements in the Declarations are accurate and complete; b. Those statements are based upon representations you made to us ; and c. We have issued this policy in reliance upon your representatio ns.
Coverage will continue to apply if you unintentionally:
i. Fail to disclose all hazards existing at the inception of this policy; or ii. Make an error, omission or improper description of premises or other statement of information stated in this policy.
You must notify us in writing as soon as possible after the dis covery of any hazards or any other information that was not provided to us prior to inception of this Coverage Part .
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R. Transfer Of Rights Of Recovery Against Others To Us / Waiver of Right of Subrogation Condition 8. Transfer Of Rights Of Recovery Against Others To Us of Section IV – Commercial General Liability Conditions is renamed and replaced by the following:
8. Transfer Of Rights Of Recovery Against Others To Us / Waiver of Right of Subrogation a. If the insured has rights to recover all or part of any paymen t we have made under this Coverage Par t, those rights are transferred to us. The insured must do nothing afte r loss to impair them. At our r equest, the insured will bring "suit" or transfer those rights to us and help us enforce them. b. If the insured waives its right to recover payments for injury or damage from another person or organization in a written contract executed prior to a loss, we waive any right of recovery we may have against such person or organization because of any payment we have made under this Coverage Part. The written contract w ill be considered executed when the insured's performance begins or when it is signed, whichever happens firs t.
This waiver of rights shall not be construed to be a waiver wit h respect to any other operations in which the insured has no contractual interest.
S. Liberalization Condition
The following condition is added to Section IV – Commercial General Liability C onditions:
Liberalization Clause
If we revise this Coverage Part to broaden coverage without an additional premium charge, your policy w ill automatically provide the additional coverage as of the day the revision is e ffective in the state shown in the mailing address of your policy.
All other terms, conditions, provisions and exclusions of this policy remain the same.
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Coverage Extension Endorsement
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
Policy No. Effective Date:
This endorsement modifies insurance provided under the:
Business Auto Coverage Form
Motor Carrier Coverage Form
A. Amended Who Is An Insured
1. The following is added to the Who Is An Insured Provision in Section II – Covered Autos Liability Coverage :
The following are also "insureds":
a. Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow for acts performed within the scope of employment by you. A ny “employee” of yours is also an “insured” while operating an “auto” hired or rented under a contract or agreement in an “ employee’s” name, with your permission, while performing duties related to the conduct of your business. b. Anyone volunteering services to you is an "insured" while using a covered "auto" you don’t own, hire or borrow to transport your clients or other persons in activities necess ary to your business. c. Anyone else who furnishes an "auto" referenced in Paragraphs A.1.a. and A.1.b. in this endorsement. d. Where and to the extent permitted by law, any person(s) or org anization(s) where required by written contract or written agreement with you executed prior to any "accident", including those person(s) or organization(s ) directing your work pursuant to such written contract or writte n agreement with you, provided the "accident" arises out of operations governed by such contract or agreement and only up to the limits required in the written contract or written agreement, or the Limits of Insurance shown in the Declarations, whichever is less.
2. The following is added to the Other Insurance Condition in the Business Auto Coverage Form and the Other Insurance – Primary and Excess Insurance Provisions Condition in the Motor Carrier Coverage Form :
Coverage for any person(s) or organization(s), where required b y written contract or written agreement wi th you executed prior to any "accident", w ill apply on a primary and non-contributory basis and any insurance maintained by the additional "insured" w ill apply on an excess basis. However, in no event w ill this coverage extend beyond the terms and conditions of the Coverage Form.
B. Amendment – Supplementary Payments
Paragraphs a.(2) and a.(4) of the Coverage Extensions Provision in Section II – Covered Autos Liability Coverage are replaced by the following:
(2) Up to $5,000 for the cost of bail bonds (including bonds for r elated traffic law violations) required because of an "accident" we cover. We do not have to furnish these bonds. (4) All reasonable expenses incurred by the "insured" at our reques t, including actual loss of earnings up to $500 a day because of time off from work.
C. Fellow Employee Coverage
The Fellow Employee Exclusion contained in Section II – Covered Autos Liability Coverage does not apply.
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D. Driver Safety Program Liability and Physical Damage Coverage
1. The following is added to the Racing Exclusion in Section II – Covered Autos Liability Coverage :
This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not limited to, auto or truck rodeos and other auto or truck ag ility demonstrations.
2. The following is added to Paragraph 2. in B. Exclusions o f Section III – Phys ical Damage Coverage of the Business Auto Coverage Form and Paragraph 2.b. in B. Exclusions o f Section IV – Phys ical Damage Coverage of the Motor Carrier Coverage Form:
This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not limited to, auto or truck rodeos and other auto or truck ag ility demonstrations.
E. Lease or Loan Gap Coverage
The following is added to the Coverage Provision of the Phys ical Damage Coverage Section:
Lease Or Loan Gap Coverage
In the event of a total "loss" to a covered "auto", we will pay any unpaid amount due on the lease or loan for a covered "auto", less:
a. Any amount paid under the Phys ical Damage Coverage Section of the Coverage Form; and b. A n y :
(1) Overdue lease or loan payments at the time of the "loss"; (2) Financial penalties imposed under a lease for excessive use, a bnormal wear and tear or high mileage; (3) Security deposits not returned by the lessor;
(4) Costs for extended warranties, credit life insurance, health, accident or disability insurance purchased with the loan or lease; and
(5) Carry-over balances from previous leases or loans.
F. Towing and Labor
Paragraph A.2. of the Physical Damage Coverage Section is replaced by the following:
We will pay up to $75 for towing and labor costs incurred each time a covered "au to" that is a "private passenger type", light truck or medium truck is disabled. Howev er, the labor must be performed at the place of disablement.
As used in this provision, "private passenger type" means a private passenger or station wagon type "auto" and includes an "auto" of the pickup or van type if not used for business pu rposes.
G. Extended Glas s Coverage
The following is added to Paragraph A.3.a. of the Phys ical Damage Coverage Section:
If glass must be replaced, the deductible shown in the Declarat ions will apply. However, if glass can be repaired and is actually repaired rather than replaced, the deductible w ill be waived. You have the option of having the glass repaired rather than replaced.
H. Hired Auto Physical Damage – Increas ed Los s of Us e Expens es The Coverage Extension for Loss Of Use Ex pe nse s in the Phys ical Damage Coverage Section is replaced by the following:
Loss Of Use Ex pe nse s
For Hired Auto Physical Damage, we w ill pay ex penses for which an "insured" becomes legally responsible to pa y for loss of use of a vehicle rented or hired without a driver under a written rental contract or written rental agreement. We will pay for loss of use ex penses if caused by:
(1) Other than co llision only if the Declarations indicate that Compr ehensive Coverage is provided for any covered "auto";
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(2) Specified Causes Of Loss only if the Declarations indicate that Specified Causes Of Loss Coverage is provided for any covered "auto"; or
(3) Collision only if the Declarations indicate that Collision Cove rage is provided for any covered "auto".
However, the most we will pay for any ex penses for loss of use is $100 per day , to a maximum of $3000.
I. Personal Effects Coverage
The following is added to the Coverage Provision of the Phys ical Damage Coverage Section:
Personal Effects Coverage
a. We will pay up to $750 for "loss" to personal effects which are:
(1) Personal property owned by an "insured"; and
(2) In or on a covered "auto".
b. Subject to Paragr aph a. above, the amount to be paid for "loss" to personal effects wi ll be based on the lesser of:
(1) The reasonable cos t to replace; or
(2) The actual cash value.
c. The coverage provided in Paragraphs a. and b. above, only applies in the event of a total theft of a covered "auto".
No deductible applies to this coverage. However, we will not pay for "loss" to personal effects of any of the following:
(1) Accounts, b ills, currency, deeds, evidence of debt, money, notes, securities, or commercia l paper or other documents of value.
(2) Bullion, gold, silver, platinum, or other precious alloys or m etals; furs or fur garments; jewelry, watches, precious or semi-precious stones.
(3) Paintings, statuary and other works of art.
(4) Contraband or property in the course of illegal transportation or trade. (5) Tapes, records, di scs or other similar dev ices used with audio, v isual or data electronic equipment.
Any coverage provided by this Provision is excess over any othe r insurance coverage available for the same "loss".
J. Tapes, Records and Discs Coverage
1. The Exclusion in Paragraph B.4.a. of Section III – Physical Damage Coverage in the Business Auto Cov erage Form and the Exclusion in Paragraph B.2.c. of Section IV – Physical Damage Coverage in the Motor Carrier Coverage Form does not apply.
2. The following is added to Paragraph 1.a. Comprehens ive Coverage under the Coverage Provision of the Physical Damage Coverage Section:
We will pay for "loss" to tapes, records, di scs or other similar dev ices used with audio, visual or data electronic equipment. We w ill pay only if the tapes, records, di scs or other similar audio, visual or data electronic devices:
(a) Are the property of an "insured"; and
(b) Are in a covered "auto" at the time of "loss".
The most we will pay for such "loss" to tapes, records, discs or other similar dev ices is $500. The Physical Damage Coverage Deductible Provision does not apply to such "loss".
K. Airbag Coverage
The Exclusion in Paragraph B.3.a. of Section III – Physical Damage Coverage in the Business Auto Coverage Form and the Exclusion in Paragraph B.4.a. of Section IV – Physical Damage Coverage in the Motor Carrier Cov erage Form does not apply to the accidental discharge of an airbag.
L. Two or More Deductibles
The following is added to the Deductible Provision of the Phys ical Damage Coverage Section:
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If an accident is covered both by this policy or Coverage Form and by another policy or Coverage Form issued to you by us, the following applies for each covered "auto" on a per v ehicle basis:
1. If the deductible on this policy or Coverage Form is the small er (or smallest) deductible, it w ill be waived; or
2. If the deductible on this policy or Coverage Form is no t the smaller (or smallest) deductible, it w ill be reduced by the amount of the smaller (or smallest) deductible.
M. Temporary Substitute Autos – Physical Damage
1. The following is added to Section I – Covered Autos:
Temporary Substitute Autos – Physical Damage
If Physical Damage Coverage is provided by this Coverage Form o n your owned covered "autos", the following types of vehicles are also covered "autos" for Physical Damage Coverage:
Any "auto" you do not own when used with the permission of its owner as a temporary substitute for a cover ed "auto" you do own but is out of service because of its:
1. Breakdown;
2. Repair;
3. Servicing;
4. "Loss"; or
5. Destruction.
2. The following is added to the Paragraph A. Coverage Provision of the Phys ical Damage Coverage Section:
Temporary Substitute Autos – Physical Damage
We will pay the owner for "loss" to the temporary substitute "a uto" unless the "loss" results from fraudulent acts or omissions on your part. If we make any payment to the owner, w e will obtain the owner's rights against any other party.
The deductible for the temporary substitute "auto" w ill be the same as the deductible for the covered "auto" it replaces.
N. Amended Duties In The Event Of Accident, Claim, Suit Or Loss Paragraph a. of the Duties In The Event Of Accident, Claim, Suit Or Loss Condition is replaced by the following:
a. In the event of "accident", claim, "suit" or "loss", you must give us or our authorized representative prompt notice of the "accident", claim, "suit" or "loss". However, these duties only apply when the "accident", claim, "suit" or "loss" is known to you (if you are an individual), a partner (if you a re a partnership), a member (if you are a limited liability company) or an executive officer or insurance manager (if you a re a corporation). The failure of any agent, servant or employee of the "insured" to notify us of any "accident", cl aim, "suit" or "loss" shall not invalidate the insuranc e afforded by this policy.
Include, as soon as practicable:
(1) How, when and where the "accident" or "loss" occurred and if a claim is made or "suit" is brought, written notice of the claim or "suit" including, but not limited to, the date and details of such claim or "suit"; (2) The "insured’s" name and address; and
(3) To the extent possible, the names and addresses of any injured persons and witnesses.
If you report an "accident", claim, "suit" or "loss" to another insurer when you should have reported to us, your failure to report to us w ill not be s een as a violation of these amended duties provided you give us noti ce as soon as practicable after the fact of the delay becomes known to you.
O. Waiver of Transfer Of Rights Of Recovery Against Others To Us The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition:
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This Condition does not apply to the extent required of you by a written contract, executed prior to any "accident" or "loss", provided that the "accident" or "loss" arises out of op erations contemplated by such contract. This waiv er only applies to the person or organization designated in the contrac t.
P. Employee Hired Autos – Physical Damage
Paragraph b. of the Other Insurance Condition in the Business Auto Coverage Form and Paragraph f. of the Other Insurance – Primary and Excess Insurance Provisions Condition in the Motor Carrier Coverage Form are replaced by the following:
For Hired Auto Physical Damage Coverage, the following are deem ed to be covered "autos" you own:
(1) Any covered "auto" you lease, hire, rent or borrow; and (2) Any covered "auto" hired or rented under a written contract or written agreement entered into by an "employee" or elected or appointed official with your permission while being operated within the course and scope of that "employee's" employment by you or that elected or ap pointed official’s duties as respect their obligations to you.
However, any "auto" that is leased, hired, rented or borrowed w ith a driver is not a covered "auto".
Q. Unintentional Failure to Disclose Hazards
The following is added to the Concealment, Misrepresentation Or Fraud Condition:
However, we will not deny coverage under this Coverage Form if you unintentionally:
(1) Fail to disclose any hazards existing at the inception date of this Coverage Form; or (2) Make an error, omission, improper description of "autos" or ot her misstatement of information.
You must notify us as soon as possible after the discovery of any hazards or any other information that was not prov ided to us prior to the acceptance of this policy.
R. Hired Auto – World Wide Coverage
Paragraph 7.b.(5) of the Policy Period, Coverage Territory Condition is replaced by the following:
(5) Anywhere else in the world if a covered "auto" is leased, hire d, rented or borrowed for a period of 60 days or less, S. Bodily Injury Redefined
The definition of "bodily injury" in the Definitions Section is replaced by the following:
"Bodily injury" means bodily injury, sickness or disease, susta ined by a person including death or mental anguish, resulting from any of these at any time. Mental anguish means any type of mental or emotional illness or disease.
T. Expected Or Intended Injury
The Expected Or Intended Injury Exclusion in Paragraph B. Exclusions under Section II – Covered Auto Liability Coverage is replaced by the following:
Expected Or Intended Injury
"Bodily injury" or "property damage" expected or intended from the standpoint of the "insured". This exclusion does not apply to "bodily injury" or "property damage" resulting from th e use of reasonable force to protect persons or property.
U. Phys ical Damage – Additional Temporary Transportation Expense Coverage Paragraph A.4.a. of Section III – Physical Damage Coverage is replaced by the following:
4. Coverage Extensions
a. Transportation Expenses
We will pay up to $50 per day to a maximum of $1,000 for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private p assenger type. We w ill pay only for those covered "autos" for which you carry either Comprehensive or Specified C auses of Loss Coverage. We will pay for temporary transportation expenses incurred during the period be ginning 48 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to us e or we pay for its "loss".
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V. Replacement of a Private Passenger Auto with a Hybrid or Altern ative Fuel Source Auto The following is added to Paragraph A. Coverage of the Physical Damage Coverage Section:
In the event of a total "loss" to a covered "auto" of the priva te passenger type that is replaced with a hybrid "auto" or "auto" powered by an alternative fuel source of the private pas senger type, we w ill pay an additional 10% of the cost of the replacement "auto", excluding tax, title, license, other fe es and any aftermarket vehicle upgrades, up to a maximum of $2500. The covered "auto" must be replaced by a hybrid "aut o" or an "auto" powered by an alternative fuel source within 60 calendar days of the payment of the "loss" and eviden ced by a bill of sale or new vehicle lease agreement.
To qualify as a hybrid "auto", the "auto" must be powered by a conventional gasoline engine and another source of propulsion power. The other source of propulsion power must be electric, hydrogen, propane, solar or natural gas, either compressed or liquefied. To qualify as an "auto" powere d by an alternative fuel source, the "auto" must be powered by a source of propulsion power other than a convention al gasoline engine. An "auto" solely propelled by biofuel, gasoline or diesel fuel or any blend thereof is not an "auto" powered by an alternative fuel source.
W. Return of Stolen Automobile
The following is added to the Coverage Extens ion Provision of the Phys ical Damage Coverage Section:
If a covered “auto” is stolen and recovered, we w ill pay the cost of transport to return the “auto” to you. We will pay only for those covered “autos" for which you carry either Comprehens ive or Specified Causes of Loss Coverage.
All other terms, conditions, provisions and exclusions of this policy remain the same.