07/21/2022
RSC Insurance Brokerage, Inc.
750 Third Ave
15th Floor
New York NY 10017
Alex Banks
[email protected]
McMurray Stern, LLC
15511 Carmenita Rd.
Santa Fe Springs CA 90670
Travelers Property Casualty Company of America 25674
CL2272187029
A Y-630-0L207870-TIL-22 07/31/2022 07/31/2023
1,000,000
300,000
5,000
1,000,000
2,000,000
2,000,000
A 810-0L131999-22-14-G 07/31/2022 07/31/2023
1,000,000
A CUP-0L217629-22-14 07/31/2022 07/31/2023
8,000,000
8,000,000
This certificate is issued as evidence of insurance coverage only.
Evidence Only
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS.
INSURER(S) AFFORDING COVERAGE
INSURER F :
INSURER E :
INSURER D :
INSURER C :
INSURER B :
INSURER A :
NAIC #
NAME:
CONTACT
(A/C, No):
FAX
E-MAIL
ADDRESS:
PRODUCER
(A/C, No, Ext):
PHONE
INSURED
COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:
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 INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
OTHER:
(Per accident)
(Ea accident)
$
$
N / A
SUBR
WVD
ADDL
INSD
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. $
$
$
$
PROPERTY DAMAGE
BODILY INJURY (Per accident)
BODILY INJURY (Per person)
COMBINED SINGLE LIMIT
AUTOS ONLY
AUTOS ONLY AUTOS
NON-OWNED
OWNED SCHEDULED
ANY AUTO
AUTOMOBILE LIABILITY
Y / N
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY
OFFICER/MEMBER EXCLUDED?
(Mandatory in NH)
DESCRIPTION OF OPERATIONS below
If yes, describe under
ANY PROPRIETOR/PARTNER/EXECUTIVE
$
$
$
E.L. DISEASE - POLICY LIMIT
E.L. DISEASE - EA EMPLOYEE
E.L. EACH ACCIDENT
ER
OTHSTATUTEPER
(MM/DD/YYYY) LIMITS
POLICY EXP
(MM/DD/YYYY)
POLICY EFF
LTR TYPE OF INSURANCE POLICY NUMBER
INSR
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
EXCESS LIAB
UMBRELLA LIAB EACH OCCURRENCE $
AGGREGATE $
$
OCCUR
CLAIMS-MADE
DED RETENTION $
PRODUCTS - COMP/OP AGG $
GENERAL AGGREGATE $
PERSONAL & ADV INJURY $
MED EXP (Any one person) $
EACH OCCURRENCE $
DAMAGE TO RENTED
PREMISES (Ea occurrence) $
COMMERCIAL GENERAL LIABILITY
CLAIMS-MADE OCCUR
GEN'L AGGREGATE LIMIT APPLIES PER:
POLICY
PROJECT LOC
CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY)
CANCELLATION
AUTHORIZED REPRESENTATIVE
ACORD 25 (2016/03)
© 1988-2015 ACORD CORPORATION. All rights reserved.
CERTIFICATE HOLDER
The ACORD name and logo are registered marks of ACORD
HIRED
AUTOS ONLY
McMurray Stern, LLC
00212362
RSC Insurance Brokerage, Inc.
25 Certificate of Liability Insurance: Notes
Certificate Holder ISAOA ATIMA is included as Additional Insured, as their interests may appear, in regards to the General Liability per form #CGD246 or form #CGD458, Auto Liability per form #CAT353 and Umbrella Liability as required by written contract subject to policy terms, conditions and exclusions.
Coverage shall be primary and non-contributory over any other valid form of collectible insurance of the Additional Insureds as required by written contract per General Liability form #CGT100 and Auto Liability form #CAT474. Waiver of Subrogation applies in regards to the General Liability per form #CGD458, Auto Liability per form #CAT353, and Umbrella Liability as required by written contract subject to policy terms, conditions and exclusions. General Liability General Aggregate applies per project of $2M, no cap on the Total General Liability Designated Project Limit. Umbrella follows form.
ACORD 101 (2008/01)
The ACORD name and logo are registered marks of ACORD
© 2008 ACORD CORPORATION. All rights reserved.
THIS ADDITIONAL REMARKS FORM IS A SCHEDULE TO ACORD FORM, FORM NUMBER: FORM TITLE:
ADDITIONAL REMARKS
ADDITIONAL REMARKS SCHEDULE Page of
AGENCY CUSTOMER ID:
LOC #:
AGENCY
CARRIER NAIC CODE
POLICY NUMBER
NAMED INSURED
EFFECTIVE DATE:
Business Auto
ADDITIONAL COVERAGES
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium OFADTLCV Copyright 2001, AMS Services, Inc.
CG D2 11 01 04 Copyright, The Travelers Indemnity Company, 2004 Page 1 of 2 POLICY NUMBER: Y-630-0L207870-TIL-22
COMMERCIAL GENERAL LIABILITY
ISSUE DATE: 07-21-22
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY
DESIGNATED PROJECT(S)
GENERAL AGGREGATE LIMIT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Designated Project(s):
EACH "PROJECT" FOR WHICH YOU HAVE AGREED, IN
A WRITTEN CONTRACT THAT IS IN EFFECT DURING
THIS POLICY PERIOD, TO PROVIDE A SEPARATE
GENERAL AGGREGATE LIMIT, PROVIDED THAT THE
CONTRACT IS SIGNED BY YOU BEFORE THE "BODILY
INJURY" OR "PROPERTY DAMAGE"
Designated Project
General Aggregate(s):
$2,000,000
A. For all sums which the insured becomes legally
obligated to pay as damages caused by "occurrences" under COVERAGE A. (SECTION I), and for all medical expenses caused by accidents under COVERAGE C (SECTION I). which can be attributed only to operations at a single designated "project" shown in the Schedule abo ve:
1. A separate Designated Project General Aggregate Limit applies to each designated "project". and that limit is equal to the amount of the General Aggregate Limit shown in the
Declarations. unless separate Designated
Project General Aggregate(s) are scheduled above.
2. The Designated Project General Aggregate
Limit is the most we will pay for the sum of all
damages under COVERAGE A., except
damages because of "bodily injury" or "property damage" included in the "productscompleted operations hazard", and for medical expenses under COVERAGE C, regardless of the number of:
a. Insureds;
b. Claims made or "suits" brought; or
c. Persons or organizations making claims
or bringing "suits".
3. Any payments made under COVERAGE A.
for damages or under COVERAGE C. for
medical expenses shall reduce the Designated Project General Aggregate Limit for that designated "project". Such payments
shall not reduce the General Aggregate Limit
shown in the Declarations nor shall they reduce any other Designated Project General Aggregate Limit for any other designated
"project" shown in the Schedule above.
4. The limits shown in the Declarations for Each
Occurrence, Damage To Premises Rented
To You and Medical Expense continue to
apply. However, instead of being subject to
the General Aggregate Limit shown in the
Declarations, such limits will be subject to the
applicable Designated Project General Aggregate Limit.
B. For all sums which the insured becomes legally
obligated to pay as damages caused by "occurrences" under COVERAGE A. (SECTION I), and for all medical expenses caused by accidents under COVERAGE C. (SECTION I), which cannot be attributed only to operations at a single designated "project" shown in the Schedule above:
COMMERCIAL GENERAL LIABILITY
1. Any payments made under COVERAGE A.
for damages or under COVERAGE C. for
medical expenses shall reduce the amount
available under the General Aggregate Limit
or the Products-Completed Operations Aggregate Limit, whichever is applicable; and
2. Such payments shall not reduce any Designated Project General Aggregate Limit.
C. Part 2. of SECTION Ill - LIMITS OF INSURANCE
is deleted and replaced by the following:
2. The General Aggregate Limit is the most we
will pay for the sum of:
a. Damages under Coverage B; and
b. Damages from "occurrences" under
COVERAGE A (SECTION I) and for all
medical expenses caused by accidents
under COVERAGE C (SECTION I) which
cannot be attributed only to operations at
a single designated "project" shown in the
SCHEDULE above.
D. When coverage for liability arising out of the
"products-completed operations hazard" is provided, any payments for damages because of "bodily injury" or "property damage" included in
the "products-completed operations hazard" will
reduce the Products-Completed Operations Aggregate Limit, and not reduce the General Aggregate Limit nor the Designated Project General Aggregate Limit.
E. For the purposes of this endorsement the Definitions Section is amended by the addition of the following definition:
"Project" means an area away from premises
owned by or rented to you at which you are performing operations pursuant to a contract or agreement. For the purposes of determining the
applicable aggregate limit of insurance, each
"project" that includes premises involving the
same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad shall be
considered a single "project".
F. The provisions of SECTION Ill - LIMITS OF
INSURANCE not otherwise modified by this endorsement shall continue to apply as stipulated.
COMMERCIAL GENERAL LIABILITY
c. Method Of Sharing a. The state e m nts in the a er
ac t cura e a dn compe e l t ; If al f t l o the o her i sn n ura ce permi st cont ir bution by e uq al shares, we will l fo lo h w t is me h d a t o ls . o b. Thos t e sta e e m nts a er based n upo Under this each insurer cont ir b e ut s re re p sen a o t ti ns yo a e u m d a d to us; n equal a o n m u t i s i s s unt l it ha pad it applicabel c. We hav s e i sued thi l c s poi y in relian ec upon li i f s mt o in urance or none of the ol ss remains, your representations.
The unin n o a te ti n l omi ss ion of, or unin et ntional er r ro If any of the o ht e n n e r i sura ce do s no pe t rmit i , n n n o a o a y i f rm ti n provid d o e by y u whic l h we re ied contri t bu io q a n by e u l shares l , we wi l cont ir b e ut upo n n n i issui g thi l c l t j s poi y wi l no pre udice your by li i s m t . Under this meh d a n t o , e ch i surer's rights under thi s s in urance. Howe ev r, this vs pro i ion share is base o d n the ratio of ti s a pp l ci abel i i lm t does not f a fe u g ct o r ri ht l to cole d ct a ditio an l of s in uran e ce to th tot l a applicabel limi st f o premium or to e ex rcise ou h r rig ts f o ca ce n ll t a io o n r i sn n ura ce of all insurers. non n re e aw l in accordance with appl ci abel i sn urance d. Primary And Non n u o -Co trib t ry Insurance If laws o e r r g aul tions.
Required By Written C no tract 7. Separation Of In us reds If you specf c l y i i al ag e n re i a writte n n co tract or Except wit s c h re pe t to the Limit f s s o In urance, a dn ag e e re m nt tha the t in n sura ce afforde n d to a an g y ri hts or duties assign d n e i this in d d sure un er t s v hi Co e a e r g Part mu a p st p lyon Cove a e r g Par r t to the fi st Named d Insure , this a primary bassi , o a r primary an n d no -
i sn n p ura ce a pli se :
contri t bu ory bas i is, th s in n sura ce is primary to a. As if each Named Insured were the only
o ht er insuran a ce th t is v i a ala e bl to
Name n d I sured a; nd whic c v h o ers such i sn ured a a n s a e n d m d i sure , and we will t no share with that o ht er insurance, b. Sepa ae r t ly to each insured ga ani st whom claim pro is ma ed or "suit s " i b o g r u ht.id de t t ha :v (1) The "bodiy i j l nury" or "property dama eg " for 8. Transfer Of R gi ht f s O Rec v a o ery Ag inst Others whic v h co e a e r g i s s ought c s o cur ; and To Us (2) The "persona a d a l n d ev rtising nu i j ry fo " r If the in d sure has ri hg t c v s to re o e ar ll or r pa t o af ny whi h payment v we ha e ma ed under this v Co e a e r g Part, c v co e a e r g u is so ght si ca se by u d na o
tho g se ri hts a er transferred ot us. The in d sure must ffen h se t at si commi tt ed; do not i f hng a ter l ss o to impair th me . At ou q e r re u st, subseq e g u nt to the si ni f t ng o tha con atr ct or the n d i sure will bring "suit" or transfer those ri hg ts ag e e o re m nt by y u.
to us an ep u n o h d h l s e f rce t em.
5. Premiu d m Au it
9. When We D No o Rt enew
a. We will compu et all p er miums for t i v hs Co e a e r g If we de d o ci e n t to re en w t i v hs Co e a e r g aP rt, wewill Part in accordance with our rue a l s nd raet s.
mail or delvi er to the fi st r Named Insured shown in
b. Premium shown in thi v s Co e a e r g Part as the Declarations t wri ten notc f i e o the non e e r n wal ad av nce premium is a deposti premium onl .y t A not le a 3 ss th n 0 day f s be o er the expiration dat . e the clos f e o ea u ch a dit period we will compu et
If notci e is mailed o , pro f of mai il ng wil c l be suffi ient the a e e rn d premium fo th r at perio n n d a d se d
pro f f otc . i eo o n
notci e to e th first Named n d e I sure . The du date
for audit a dn re rot s c v pe ti e p er miums si th a e e d t SECTION V – D F N T E I I IONS shown as the due date on the bill. If the sum of 1. "Advertsi e e m n e n t" m a s a notci e that is bro da cast or the advance and audit premiums paid for the publ si hed n to the ge e ar l l c pubi or specf c i i mark t e pol ci y perio a d is gre ter tha the n a e e rn d seg e m nts a ob u o o d t y ur go ds, pro ucts or servc s i e premium, we will return the excess to the first fo th r e o purp se o a f ttra g customer r s o Named Insured. suppo ert rs. Fo h p r t e u pr o e o s s f t s f hi de i i i nt on:
c. The fi st r Named Insured u e p m st k e reco d o r s f a. Notc s i e that a er published n u a e i cl de m t ri l a the information e we ne d for premium pla d n e e ce o the Int rn t o o r n similar compu a o t ti n a d , n n pe se d us co i s at i such t mes me na s of communic t a io n n; a d as we ma q e yre u st. b. Regardin b e n g we sit s, o ly t tha part o af website
6. Representations tha b u o t is a o t y ur goods, products or r se vi s ce By p n h ti g t is poli , y cy ou a e gre :
fo th r e p pur o e o a s s f ttra customer r s o
suppo ert rs si con dsi e e a a r d n d ev rtise e m nt.
Page16 of 21 © 2017 The Travelers Indemnity Company. All rights reserved. CG T1 0 9 0 02 1 Includes copyrighted material of Insurance Services Office, Inc. with its permission. approach
specifically
ctin
cting
electronic
acce
whichever comes first.
Declarations
such insured
COMME A E RCI L G NERAL LIABI I L TY
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BLANKET ADDITIONAL INSURED
(Includes Products-Completed Operations If Required By Contract) This e dn n o orseme t m di s fie i sn urance provi t ded under he following:
COMME A E RCI L G NERAL LIABILITY COVERAGE PART
PROV S ISION (1) Any "bodily injury", "property dam ge" oa r The "personal injury" arising out of i the provding, foll s owing i added toSECTION II – WHO IS AN or failure to provide, any prof se sional INSURED:
archi c , i te tural engineer ng or surveying Any person o o g r r ani i zat on that you agree in a servi s i ce , ncluding: writt t en con ract or agreement to inc s lude a an additional i sn n ured o this Coverage Part is an (a) The preparing, approvi i ng, or fa ling to in b sured, ut only: prepare or approve p , ma s, shop
a. Wit s c i l h re pe t to l abi ity for "bodily injury" or drawings, opini s on , reports, surv y , e s "property damage" c that o curs, or for "personal fi l ed orders or change orders, or the injury c " aused by an offense that is commi , tted preparing, approvi i i ng, or fa l ng to subsequent to the signing of that contract or prepar r e or app ove, drawings and ag ee r ment and while tha pa t rt of c the contra t or specf c t i i a ions; and ag ee r ment i f c s in e fe t; and (b) Supervsi ory, ins c i t pe t on, archi ectural or b. If, and only to the ext , ent that such injury or engineering ac i i i s t vt e . damag u e is ca sed by acts or omissions of you or
yo n ur subco tractor in the performance of "your
(2) Any "bodi yl injury" or "property damage"
work" to which the written contract or agreement caused by "your work" and included in the appli se . Such person or organizat s t ion doe no "products-comp p leted o erati s " on hazard quali s fy a an additional ins s ured with re pect to unl t ess the wri ten contract or r ag eement the independent ac st or omi f ssions o such specf c l i i aly requires you to provide such person or organization. coverage for that addit s ional in ured during The the policy period. insurance provided to such additional insured is subjec t t f l t o he olowing provisions: c. The add u p itional insured m st com ly with the a. If the Limi s f s c f s t o In uran e o thi Coverage Part following duties:
shown in the Declarations exc i eed the m nimum
(1) Give us writ t c s c ten no i e as soon a pra ticable li i s m t required by the written contract or of c an "o currenc "e or an offense which may
ag ee r ment, the insurance provided to the
result in a claim. To the ext t , en possible such additional insured will be to such m not c ice should in lude: inimum required limits. For the purpo e o s s f det i erm ning whether this applies, the (a) How, when and where the "occurrenc "e minimum l i s im t required by the written contract or or offense took c pla e; ag ee r ment will be considered to include the
minimum limi f ts o any Umbrella or Excess (b) The names and addres s f se o any injured li i i ab l ty coverage requir r ed fo the additional persons and witnes s se ; and insured by that written contract or agreement. (c) The nature and loc f ation o any injury or This i prov sion will not increas i s f e the lim t o
damage aris f c ing out o the "o currenc "e
insuranc s e de cribed in Section III – Limi st Of
or offense. Insurance.
b (2) If a claim is made or "suit s " i brought against. The insurance provided to such additional insured does not apply to: the additi i : onal nsured
CG D2 46 04 19 Pa e 1 o 2g f
limited
limitation
© 2018 The Travelers Indemnity Company. All rights reserved.
COMME A E RCI L G NERAL LIABILITY
(a) Immediat c cf c f ely re ord the spe i i s o the (4) Tender the defense and in n dem it f y o any clai " m or "suit and the date received; and clai t m or "sui " to any provider of other insurance which would e cov r such additional (b) Notf s i y us a soon as c practi able and see insured for a loss we cove e r. Howev r, this to it that we receive writ c f ten noti e o the condit s f ion doe not a fect whether the clai " s s c c . m or "suit a soon a pra ti able insuranc i e prov ded to such additio al n
(3) Immediately send us copi f es o all legal insured is primary to other insurance papers received in connec it on with the claim ava b ila le to such additional insured which or "suit t ", coopera e with us in the covers that person or a a s i v s n e tigation or settlement of the claim or
named ni sured a de s scribed in Paragraph 4.,
defense against the "suit t ", and o herwise Other Ins c , f c uran e o Se tion IV – Commercial comp h ly wit all poli c cy on n ditio s. General Conditi s on .
Pa e 2 o 2g f CG D2 46 04 19
organization
Liability
© 2018 The Travelers Indemnity Company. All rights reserved.
COMMERCIAL AUTO
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
CA T3 53 02 15
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BUSINESS AUTO EXTENSION ENDORSEMENT
© 2015 The Travelers Indemnity Company. All rights reserved. Page 1 of 4 Includes copyrighted material of Insurance Services Office, Inc. with its permission.
GENERAL DESCRIPTION OF COVERAGE – This endorsement broadens coverage. However, coverage for any injury, damage or medical expenses described in any of the provisions of this endorsement may be excluded or limited by another endorsement to the Coverage Part, and these coverage broadening provisions do not apply to the extent that coverage is excluded or limited by such an endorsement. The following listing is a general coverage description only. Limitations and exclusions may apply to these coverages. Read all the provisions of this endorsement and the rest of your policy carefully to determine rights, duties, and what is and is not covered.
A. BROAD FORM NAMED INSURED
B. BLANKET ADDITIONAL INSURED
C. EMPLOYEE HIRED AUTO
D. EMPLOYEES AS INSURED
E. SUPPLEMENTARY PAYMENTS – INCREASED
LIMITS
F. HIRED AUTO – LIMITED WORLDWIDE COVERAGE – INDEMNITY BASIS G. WAIVER OF DEDUCTIBLE – GLASS
PROVISIONS
A. BROAD FORM NAMED INSURED
The following is added to Paragraph A.1., Who Is
An Insured, of SECTION II – COVERED AUTOS
LIABILITY COVERAGE:
Any organization you newly acquire or form during the policy period over which you maintain 50% or more ownership interest and that is not
separately insured for Business Auto Coverage.
Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier.
B. BLANKET ADDITIONAL INSURED
The following is added to Paragraph c. in A.1.,
Who Is An Insured, of SECTION II – COVERED
AUTOS LIABILITY COVERAGE:
Any person or organization who is required under
a written contract or agreement between you and
that person or organization, that is signed and
executed by you before the "bodily injury" or
"property damage" occurs and that is in effect
during the policy period, to be named as an additional insured is an "insured" for Covered Autos Liability Coverage, but only for damages to which
H. HIRED AUTO PHYSICAL DAMAGE – LOSS OF
USE – INCREASED LIMIT
I. PHYSICAL DAMAGE – TRANSPORTATION
EXPENSES – INCREASED LIMIT
J. PERSONAL PROPERTY
K. AIRBAGS
L. NOTICE AND KNOWLEDGE OF ACCIDENT OR
LOSS
M. BLANKET WAIVER OF SUBROGATION
N. UNINTENTIONAL ERRORS OR OMISSIONS
this insurance applies and only to the extent that
person or organization qualifies as an "insured"
under the Who Is An Insured provision contained
in Section II.
C. EMPLOYEE HIRED AUTO
1. The following is added to Paragraph A.1.,
Who Is An Insured, of SECTION II – COVERED AUTOS LIABILITY COVERAGE:
An "employee" of yours is 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.
2. The following replaces Paragraph b. in B.5.,
Other Insurance, of SECTION IV – BUSINESS AUTO CONDITIONS:
b. For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos" you own:
(1) Any covered "auto" you lease, hire,
rent or borrow; and
(2) Any covered "auto" hired or rented by
your "employee" under a contract in
an "employee's" name, with your
COMMERCIAL AUTO
Includes copyrighted material of Insurance Services Office, Inc. with its permission. permission, while performing duties
related to the conduct of your business.
However, any "auto" that is leased, hired,
rented or borrowed with a driver is not a
covered "auto".
D. EMPLOYEES AS INSURED
The following is added to Paragraph A.1., Who Is
An Insured, of SECTION II – COVERED AUTOS
LIABILITY COVERAGE:
Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your personal affairs.
E. SUPPLEMENTARY PAYMENTS – INCREASED
LIMITS
1. The following replaces Paragraph A.2.a.(2),
of SECTION II – COVERED AUTOS LIABILITY COVERAGE:
(2) Up to $3,000 for cost of bail bonds (including bonds for related traffic law violations) required because of an "accident" we cover. We do not have to furnish
these bonds.
2. The following replaces Paragraph A.2.a.(4),
of SECTION II – COVERED AUTOS LIABILITY COVERAGE:
(4) All reasonable expenses incurred by the
"insured" at our request, including actual
loss of earnings up to $500 a day because of time off from work.
F. HIRED AUTO – LIMITED WORLDWIDE COVERAGE – INDEMNITY BASIS The following replaces Subparagraph (5) in Paragraph B.7., Policy Period, Coverage Territory, of SECTION IV – BUSINESS AUTO CONDITIONS:
(5) Anywhere in the world, except any country or
jurisdiction while any trade sanction, embargo, or similar regulation imposed by the United States of America applies to and prohibits the transaction of business with or within such country or jurisdiction, for Covered Autos Liability Coverage for any covered "auto" that you lease, hire, rent or borrow
without a driver for a period of 30 days or less
and that is not an "auto" you lease, hire, rent
or borrow from any of your "employees",
partners (if you are a partnership), members
(if you are a limited liability company) or
members of their households.
(a) With respect to any claim made or "suit"
brought outside the United States of
America, the territories and possessions
of the United States of America, Puerto
Rico and Canada:
(i) You must arrange to defend the "insured" against, and investigate or settle any such claim or "suit" and keep us advised of all proceedings and actions.
(ii) Neither you nor any other involved
"insured" will make any settlement
without our consent.
(iii) We may, at our discretion, participate
in defending the "insured" against, or
in the settlement of, any claim or
"suit".
(iv) We will reimburse the "insured" for
sums that the "insured" legally must
pay as damages because of "bodily
injury" or "property damage" to which
this insurance applies, that the "insured" pays with our consent, but only up to the limit described in Paragraph C., Limits Of Insurance, of SECTION II – COVERED AUTOS
LIABILITY COVERAGE.
(v) We will reimburse the "insured" for
the reasonable expenses incurred
with our consent for your investigation of such claims and your defense of the "insured" against any such
"suit", but only up to and included
within the limit described in Paragraph C., Limits Of Insurance, of SECTION II – COVERED AUTOS
LIABILITY COVERAGE, and not in
addition to such limit. Our duty to
make such payments ends when we
have used up the applicable limit of
insurance in payments for damages,
settlements or defense expenses.
(b) This insurance is excess over any valid
and collectible other insurance available
to the "insured" whether primary, excess,
contingent or on any other basis.
(c) This insurance is not a substitute for required or compulsory insurance in any country outside the United States, its territories and possessions, Puerto Rico and Canada.
COMMERCIAL AUTO
CA T3 53 02 15 Page 3 of 4
Includes copyrighted material of Insurance Services Office, Inc. with its permission. © 2015 The Travelers Indemnity Company. All rights reserved.
You agree to maintain all required or
compulsory insurance in any such country up to the minimum limits required by local law. Your failure to comply with
compulsory insurance requirements will
not invalidate the coverage afforded by
this policy, but we will only be liable to the
same extent we would have been liable
had you complied with the compulsory insurance requirements. (d) It is understood that we are not an admitted or authorized insurer outside the United States of America, its territories
and possessions, Puerto Rico and Canada. We assume no responsibility for the furnishing of certificates of insurance, or
for compliance in any way with the laws
of other countries relating to insurance.
G. WAIVER OF DEDUCTIBLE – GLASS
The following is added to Paragraph D., Deductible, of SECTION III – PHYSICAL DAMAGE COVERAGE:
No deductible for a covered "auto" will apply to
glass damage if the glass is repaired rather than
replaced.
H. HIRED AUTO PHYSICAL DAMAGE – LOSS OF
USE – INCREASED LIMIT
The following replaces the last sentence of Paragraph A.4.b., Loss Of Use Expenses, of SECTION III – PHYSICAL DAMAGE COVERAGE:
However, the most we will pay for any expenses
for loss of use is $65 per day, to a maximum of
$750 for any one "accident".
I. PHYSICAL DAMAGE – TRANSPORTATION
EXPENSES – INCREASED LIMIT
The following replaces the first sentence in Paragraph A.4.a., Transportation Expenses, of SECTION III – PHYSICAL DAMAGE COVERAGE:
We will pay up to $50 per day to a maximum of
$1,500 for temporary transportation expense incurred by you because of the total theft of a covered "auto" of the private passenger type.
J. PERSONAL PROPERTY
The following is added to Paragraph A.4., Coverage Extensions, of SECTION III – PHYSICAL DAMAGE COVERAGE:
Personal Property
We will pay up to $400 for "loss" to wearing apparel and other personal property which is:
(1) Owned by an "insured"; and
(2) In or on your covered "auto".
This coverage applies only in the event of a total
theft of your covered "auto".
No deductibles apply to this Personal Property
coverage.
K. AIRBAGS
The following is added to Paragraph B.3., Exclusions, of SECTION III – PHYSICAL DAMAGE COVERAGE:
Exclusion 3.a. does not apply to "loss" to one or
more airbags in a covered "auto" you own that inflate due to a cause other than a cause of "loss" set forth in Paragraphs A.1.b. and A.1.c., but
only:
a. If that "auto" is a covered "auto" for Comprehensive Coverage under this policy; b. The airbags are not covered under any warranty; and c. The airbags were not intentionally inflated.
We will pay up to a maximum of $1,000 for any
one "loss".
L. NOTICE AND KNOWLEDGE OF ACCIDENT OR
LOSS
The following is added to Paragraph A.2.a., of
SECTION IV – BUSINESS AUTO CONDITIONS:
Your duty to give us or our authorized representative prompt notice of the "accident" or "loss" applies only when the "accident" or "loss" is known to:
(a) You (if you are an individual);
(b) A partner (if you are a partnership);
(c) A member (if you are a limited liability company); (d) An executive officer, director or insurance
manager (if you are a corporation or other organization); or (e) Any "employee" authorized by you to give notice of the "accident" or "loss".
M. BLANKET WAIVER OF SUBROGATION
The following replaces Paragraph A.5., Transfer
Of Rights Of Recovery Against Others To Us,
of SECTION IV – BUSINESS AUTO CONDITIONS :
5. Transfer Of Rights Of Recovery Against
Others To Us
We waive any right of recovery we may have
against any person or organization to the extent required of you by a written contract signed and executed prior to any "accident"
or "loss", provided that the "accident" or "loss"
arises out of operations contemplated by
COMMERCIAL AUTO
Includes copyrighted material of Insurance Services Office, Inc. with its permission. such contract. The waiver applies only to the
person or organization designated in such
contract.
N. UNINTENTIONAL ERRORS OR OMISSIONS
The following is added to Paragraph B.2., Concealment, Misrepresentation, Or Fraud, of SECTION IV – BUSINESS AUTO CONDITIONS:
The unintentional omission of, or unintentional
error in, any information given by you shall not
prejudice your rights under this insurance. However this provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal.
COMMERCIAL AUTO
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BLANKET ADDITIONAL INSURED – PRIMARY AND
NON-CONTRIBUTORY WITH OTHER INSURANCE
© 2016 The Travelers Indemnity Company. All rights reserved.
Includes copyrighted material of Insurance Services Office, Inc. with its permission.
CA T4 74 02 16 Page 1 of 1
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
PROVISIONS
1. The following is added to Paragraph A.1.c., Who
Is An Insured, of SECTION ll – COVERED
AUTOS LIABILITY COVERAGE:
This includes any person or organization who you
are required under a written contract or
agreement between you and that person or
organization, that is signed by you before the
"bodily injury" or "property damage" occurs and
that is in effect during the policy period, to name
as an additional insured for Covered Autos
Liability Coverage, but only for damages to which
this insurance applies and only to the extent of
that person's or organization's liability for the
conduct of another "insured".
2. The following is added to Paragraph B.5., Other
Insurance of SECTION IV – BUSINESS AUTO
CONDITIONS:
Regardless of the provisions of paragraph a. and
paragraph d. of this part 5. Other Insurance, this
insurance is primary to and non-contributory with
applicable other insurance under which an
additional insured person or organization is the
first named insured when the written contract or
agreement between you and that person or
organization, that is signed by you before the
"bodily injury" or "property damage" occurs and
that is in effect during the policy period, requires
this insurance to be primary and non-contributory.