Policy #ACP3019990772 COMMERCIAL AUTO
COMMERCIAL AUTO
AC 70 06 03 16 AC 70 06 03 16 If specificaliy required by the written contract or EFFECT OF THIS ENDORSEMENT agreement referenced in the paragraph above, THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. Coverage provided under this policy is modified any coverage provided by this endorsement to by the provisions of this endorsement. an additional insured shall be primary and is any conflict between the provisions of this any other valid and collectible insurance avail- BUSINESS AUTO PROTECTION - PLATINUM endorsement and the provisions) of any state- able to the additional insured shall be non- specific endorsement also attached to this poli- contributory with this insurance. If the written This endorsement modifies insurance provided under the following: cy, then the provision(s) of the state-specific contract does not require this coverage to be endorsement shall apply instead of the provi primary and the additional insured's coverage to BUSINESS AUTO COVERAGE FORM sions of this endorsement that are in conflict, be non-contributory, then this insurance will be but only to the extent of the conflict, and only to excess over any other valid and collectible insur- the extent necessary to bring such provisions ance available to the additional insured. into conformance with the state requirements) E. SUPPLEMENTARY PAYMENTS - BAIL contained in the provision(s) of the state-specific BONDS SUMMARY OF COVERAGES endorsement.
B. NEWLY ACQUIRED OR FORMED ENTITIES
A. Effect of This Endorsement The Named Insured shown in the Declarations is revised as follows:
B. Newly Acquired of Formed Entities amended to include any organization you newly (2) Up to $3,000 for cost of bail bonds including acquire or form, other than a partnership, joint bonds for related traffic law violations) re- C. Employees as insureds - Nonowned Autos venture, or limited liability company, and over quired because of an "accident" we cover.
D. Additional Insured by Contract, Permit or Agreement which you maintain ownership or majority (more We do not have to furnish these bonds.
E. Supplementary Payments - Bail Bonds than 50%) interest; if there is no other similar in- F. SUPPLEMENTARY PAYMENTS - LOSS OF surance available to that organization. Coverage
F. Supplementary Payments - Loss of Earnings under this provision is afforded until the 180" EARNINGS G. Personal Effects and Property of Others Extension day after you acquire or form the organization or COVERED AUTOS LIABILITY COVERAGE iS Supplementary Payments of SECTION II H. Prejudgment Interest Coverage the end of the policy period, whichever is later.
C. EMPLOYEES AS INSUREDS - NONOWNED revised as follows:
1. Fellow Employees (4) All reasonable expenses incurred by the "in- J. Hired Auto Physical Damage sured" at our request, including actual loss K. Temporary Substitute Autos - Physical Damage Coverage The following is added to paragraph A.1. Who is of earnings up to $1,000 a day because of An Insured of SECTION II - COVERED AUTOS
L. Expanded Towing Coverage LIABILITY COVERAGE: time off from work.
M. Auto Loan or Lease Coverage Any "employee" of yours is an "insured" G. PERSONAL EFFECTS AND PROPERTY OF N. Original Equipment Manufacturer Parts - Leased Private Passenger Types OTHERS EXTENSION O. Deductible Amendments
P. Expanded Transportation Expense sonai affairs.
Q. Extra Expense - Stolen Autos D. ADMIT ORA SUE BY CONTRACT, R. Physical Damage Limit of Insurance
S. New Vehicle Replacement Cost Coverage is excess over any other valid and collectible insurance.
T. Physical Damage Coverage Extensions
U. Business Income and Extra Expense Coverage 2. The rale Expans of SEe 10 14.
V. Transfer of Rights Of Recovery Against Others To Us PHYSICAL DAMAGE COVERAGE:
W. Section IV - Business Auto Conditions - Notice of and Knowledge of Occurrence X. Hired Car Coverage Territory
Y. Emergency Lockout Coverage is excess over
Z. Cancellation Condition any other valid and collectible insur- ance.
Includes copyrighted material of Insurance Services Office, Inc. AC 70 06 03 16
Includes copyrighted material of Insurance Services Office, Inc. with its permission AC 70 06 03 16
with its permission
COMMERCIAL AUTO COMMERCIAL AUTO
AC 70 06 03 16 AC 70 06 03 16
e. Destruction 3. Coverage does not apply to any unpaid H. PREJUDGMENT INTEREST COVERAGE amos due on alan flat rich the covered We will only pay for those covered "autos" for The following paragraph is added to SECTION I! N. ORIGINAL EQUIPMENT MANUFACTURER which you carry Comprehensive or Spected - COVERED AUTOS LIABILITY COVERAGE, PARTS - LEASED PRIVATE PASSENGER Causes of Loss Coverage. We will pay for tem-
2. Coverage Extensions, a. Supplementary L. EXPANDED TOWING COVERAGE porary transportation expenses incurred during Payments: TYPES the period beginning 24 hours after the theft and (7) Prejudgment interest awarded against the 1. We will pay up to: SECT Paragra C PHYSICAL DAMAGE ending, regardless of the policy's expiration,
SECTION DAMAGE
"insured" on that part of the judgment we *. Step for a coverage autor you own of COVERAGE, Section 4 is added as follows: when the covered "auto" is retumed to use or we pay. If we make an offer to pay the appli- pay for its "loss". cable limit of insurance, we will not pay 1. 50 tra covered autor you gun that 4. We will use new original equipment vehicie Q. EXTRA EXPENSE - STOLEN AUTOS any prejudgment interest based on that manufacturer parts for any private passen- period of time after the offer. ger type covered "auto" where required by for to go and at rose nor e the lease agreement which has a term of at SECTION
1. FELLOW EMPLOYEE least six months. If a new original equip- COVERAGE:
COVERED AUTOS ABLE SOONE er lisa labor must be performed at the place ment vehicle manufacturer part is not in pro- c. We will pay for up to $5,000 for the expense find and quality replace we may use a like, of returning a stolen covered "auto" to you. does not apply if the "bodily injury" results from 2. This coverage applies only for an auto" We will pay only for those covered "autos" the use of a covered "auto" you own or hire. covered on this policy for Comprehensive or O. DEDUCTIBLE AMENDMENTS for which you carry Comprehensive or Spec- The insurance provided under this provision is Specified Causes of Loss Coverage and ified Causes of Loss Coverage. excess over any other collectible insurance. Collision Coverages. R. PHYSICAL DAMAGE LIMIT OF INSURANCE J. HIRED AUTO PHYSICAL DAMAGE 3. Replicate are to come age vise COVERAGE: Under SECTION III - PHYSICAL DAMAGE If covered "auto" designation symbols 1 or 8 ap- If another policy or coverage form that is not an COVERAGE, Paragraph C., Limit of insurance ply to Liability Coverage and if at least one "au- have on a covered "auto". is replaced by the following:
to you own is covered by this policy for Com- M. AUTO LOAN OR LEASE COVERAGE automobile policy or coverage form issued by prehensive, Specified Causes of Loss, or Colli- 1. In the event of a total "loss" to a covered this company applies to the same "accident", the C. Limit Of insurance Physical Damage following applies. The most we will pay for "loss" in any one sion coverages, then the "auto", we will pay any unpaid amount due If the deductible under this coverage is the "accident" is the lesser of:
coverages provided are extended to "autos" you on the loan or lease, including up to a max- (or smallest) deductible, it will be lease, hire, rent or borrow without a driver; and imum of $500 for early termination fees or a. The actual cash value of the damaged provisions in the Business Auto Coverage Form penalties, for your covered "auto" less: waived: or stolen property as of the time of the applicable to Hired Auto Physical Damage apply a. The amount paid under SECTION III - If the deductible under this coverage is not oss, or up to a limit of $125,000. The deductible will be PHYSICAL DAMAGE COVERAGE the smaller (or smallest) deductible, it will be The cost of repairing or replacing the equal to the largest deductible applicable to any reduced by the amount of the smaller (or damaged or stolen property. this policy; and
smallest) deductible. $2000 is the most we will pay for "loss" in hense deducted con a l to po b. Any: If a Comprehensive or Specified Causes of Loss 1) Overdue lease/loan payments at the any one "accident" to all electronic equip- lightning. Coverage "loss" from one "accident" involves ment that reproduces, receives or transmits K. TEMPORARY SUBSTITUTE time of the "loss": two or more covered "autos", only the highest audio, visual or data signals which, at the PHYSICAL DAMAGE COVERAG AUTOS - 2) Financial penalties imposed under a deductible applicable to those coverages will be time of "loss", is:
The following is added to paragraph C. Certain lease for excessive use, abnormal applied to the "accident," if the cause of the loss Permanently installed in or upon the Temporary wear and tear or high mileage; is covered for those vehicles. This provision only covered "auto" in a housing, opening or 3) Security deposits not refunded by a applies if you carry Comprehensive or Specified lessor; Causes of Loss Coverage for those vehicles,
AUTOS:
4) Costs of extended warranties, Credit lation of such equipment.
Life insurance, Health, Accident, or b. Removable from a permanently installed vehicles are also covered "autos" for Physi- Disability insurance purchased with housing unit as described in Paragraph cal Damage Coverage: the lease; and No deductible applies to glass if the glass is re- 2.a. above or is an integral part of that 5) Carry-over balances from previous paired, in a manner acceptabie to us, rather than equipment; or leases. replaced. c. An integral part of such equipment. substitute for a covered "auto" you own that 2. This coverage only applies to a "loss" which 3. An adjustment for depreciation and physical is out of service because of its: is also covered under this policy for Com- condition will be made in determining actual a. Breakdown; prehensive, Specified Causes of Loss, or cash value in the event of a total "loss". b. Repair; Collision coverage following: 4. The cost of repairing or replacing may:
di Senior
AC 70 06 03 16 Inciudes copyrighted material of insurance Services Office, Inc. Page 4 of 7 with its permission with its permission.
COMMERCIAL AUTO COMMERCIAL AUTO
AC 70 06 03 16 AC 70 06 03 16 (a) The time required to resume must be caused by a cause of loss listed your normal business opera- a. Be based on an estimate which includes 385 days before you purchased less than under item A1 of Physical Damage Cover- age in this Coverage Part. Extra Expenses tions; or
means those expenses you incur to avoid or (b) The time that is reasonably DAMAGE COVERAGE minimize the suspension of business and to necessary to repair or replace continue your business operations. the covered auto with a maxi- mum time period of 180 days.
3. Additional Conditions Period of Restoration does not sions, b. Loss of Use Expenses is replaced by We will not pay for "loss" or expenses include any increased period caused by suspension, lapse or cancellation required due to the enforcement of any license, lease or contract. But if the of any ordinance or law that re-
5. If we offer to pay the actual cash value of suspension, lapse or cancellation is directly quires any insured or others to caused by the suspension of your business, move coman read an i or we will cover such "loss" that affects your
becomes legally responsible to pay for loss business income. We will not pay under this ing modifications, in addition to the actual of use of a vehicle rented or hired without a coverage if you do not repair or replace the cash value of the property. Auto advertising driver, under a written rental contract or covered "auto". You must resume all or part wraps, paint customization, and similar agreement. We will pay for loss of use of your business as quickly as possible. if Do cy restorat cut short the peri- business related advertising modifications expenses if caused by. you have other autos you can use to reduce will be valued at the cost to replace them Other than collision if the Decla- the amount of loss payable under this cov- with an adjustment made for depreciation rations indicate that Comprehen- erage, you are required to use them. We will V. AGAINS OTHER SORTS OF RECOVERY and physical condition. sive Coverage is provided for any pay for expenses you incur to reduce the S. NEW VEHICLE REPLACEMENT COST amount that otherwise would have been The following is added to the Transfer Of Rights covered auto: Of Recovery Against Others To Us Condition:
The following is added to the Limit of insurance Specified Causes of Loss only if payable under this coverage. We will not SECTION III - PHYSICAL pay more than the amount by which you ac- We waive any night of recovery we may provision Declarations tually reduce the business income loss or have against any person or organization to DAMAGE COVERAGE: Specified Causes of Loss Cover-
extra expense incurred. the extent required of you by a written con-
5. The provisions of paragraphs 1.and 3. do age is provided for any covered tract executed prior to any "accident" be- not apply to a covered "auto" of the private "auto; or Limit cause of payments we make for damages
passenger type or a vehicle with a gross ve- Collision only if the Declarations The most we will pay for "loss" arising out of under this coverage form. hicle weight rating of 20,000 pounds or less Collision Coverage one covered "auto" is $10,000 per loss with indicate that W. NOTICE OF AND KNOWLEDGE OF
which is a "new vehicle." covered an annual aggregate of $20,000. Payment provided applies in addition to the otherwise applica- OCCURRENCE In the event of a total "loss" to your "new ve-
hicle" to which this coverage applies, we will ble amount of each coverage you have on a SECTION BUSINESS AUTO However, the most we will pay for any CONDITIONS, Paragraph A is amended as expenses for loss of use is $50 per day, to a follows:
a. The verifiable "new vehicle" purchase maximum of $1,500. The insurance provided price you paid for your damaged vehi- by this provision is excess over any other a. "Business Income" means the: 6. NOTICE OF AND KNOWLEDGE OF cle, not including any insurance or war- collectible insurance. 1). Net income (Net profit or loss before OCCURRENCE ranties purchased; income taxes) that would have been a. Your obligation in the Duties in the Event b. If it is available, the purchase price, as U. BUSES INCOME AND EXTRA EXPENSE earned or incurred if no loss would of Accident, Claim, Suit or Loss Condi- negotiated by us, of a "new vehicle" of 1. Business Income Coverage have occurred; and tion relative to notification require- the same make, model, and equipment We will pay the actual loss of business in- 2.). Continuing operating ments applies only when the accident" or the most similar model available, not come sustained by you as a result of the expenses incurred, including payroll. or "loss" is known to:
including any furnishings, parts, of Restoration" means the (1) You, if you are an individual; necessary suspension of your business dur- "Period
equipment not installed by the manufac- ing the period of restoration due to "loss" to period of time that: (2) A partner, if you are a partnership; turer or manufacturers' dealership; or. a covered "auto" used in your business. The c. The market value of your damaged ve- 1). Begins: (3) A member, if you are a limited liability loss must be caused by a cause of loss cov- (a) 24 hours after the time of loss company: or hicle, not including any furnishings, ered under item A1 of Physical Damage for Business Income Coverage; parts, or equipment not installed by the (4) An executive officer or insurance manufacturer or manufacturer's dealer- Coverage in this Coverage Part. manager, if you are a corporation.
2. Extra Expense Coverage (b) Immediately after the time of b. Your obligation in the. Duties in the Event ship.
We will pay the necessary and reasonable Extra Expense of Accident, Claim, Suit or Loss Condition sonia te way fans or lion or set up costs extra expenses that you incur during the pe- Coverage; and relative to providing us with documents As used in this endorsement, a "new vehi- riod of restoration that you would not have 2.) Ends at the earliest of; concerning a claim or "suit" will not be incurred had there been no "loss" to a cov- AC 70 06 03 16 cle" means an "auto" of which you are the ered "auto" used in your business. The loss Page 6 of 7 Includes copyrighted material of Insurance Services Office, Inc. original owner that has not been previousy with its permission Includes copyrighted material of Insurance Services Office, Inc. Page 5 of 7 AC 70 06 03 16
with its permission
COMMERCIAL AUTO
AC 70 06 03 16
covered "auto" and you are unable to enter
octant second more the rache such auto
2. Your keyless entry device battery dies and
you are unable to enter such "auto" as a
3. Your key, electronic key or key entry pad
(3) A member, if you are a limited liability has been lost or stolen and you have company; or changed the lock to prevent an unauthorized 1) a gert you area or auranc entry; and
4. Original copies of receipts for services of a
X. HIRED CAR - COVERAGE TERRITORY reimbursement is payable.
Z. CANCELLATION CONDITION
as follows:
First Named Insured written notice of cancella-
We will reimburse you up to $100 for reasonable Cancellation 6o is preto here date one those states that require more than 60 days pror
these provisions: notice of cancellation.
1. Your door key, electronic key or key entry
pad has been lost, stolen or locked in your