Loading...
HomeMy WebLinkAboutCOI - Reeve Trucking Company, Inc. - Expires 2022-03-01P5260028002 " I) CERTIFICATE OF LIABILITY INSURANCE A EasiDD 1YY) 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. IMPORTANT: If the certificate holder is an ADDITIONAL, INSURED, the policy(les) 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). PRODUCER CA SIC OB29370 1-925-244-7700 Edgewood partners Insurance Centers (EPIC) [San Ramon. - Branch ID 14394] P. 0. Boas 5003 San Ramon, CA 94583 CONTACT NAME; Certificates Department PHONE FAX (A/C. No Ex0. 925-244-7700 (A/C, No): 925-901-0671 E-MAIL ADDRESS: EPICcertafepicbrokers.com INSURER(S) AFFORDING COVERAGE NAIC # INSURERA: BARTFORD FIRE IN CO 19682 INSURED Reeve Tntgking Company, Inc. P.O. Box $126 Stockton, CA 95205 INSURERS; REDWOOD FIRE & CAS INS CO 11679 INSURERC: AGCS MARINE INS CO 22837 INSURERD: INSURER E : INSURERF: COVERAGES CERTIFICATE NUMBER: 81465793 THIS IS TD 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, INSR LTR TYPE OF INSURANCE ADDL INSD SR U1B WVD POLICY NUMBER POLICY EH; (MMIDDIYYYY) POLICY EXP IMMIDDIYYYYI LIMITS A fl COMMERCIAL GENERAL LIABILITY 83UENOH7105 03/01/21 03/01/22 EACH OCCURRENCE $ 1,000,000 IIDAMAGE J CLAIMS -MADE I X l OCCUR TO RENTED PREMISES (Ea occurrence) $ 300, 000 III MED EXP (Any one person) $ 10,000 ■ PERSONAL & ADV INJURY $ 1,000,000 GENt AGGREGATE LIMIT APPLIES PER: POLICY [X] JEC LX ,i L0C OTHER: GENERAL AGGREGATE $ 2,000,000 PRODUCTS-COMP/OP AGG $ 2,000,000 $ AUTOMOBILE ■ X © LIABILITYI ANY AUTO OWNED ALTOS ONLY HIRED AUTOS ONLY Motor X X SCHEDULED AUTOS NON -OWNED AUTOS ONLY MCS-90 83UEN<)1i7144 (Trks/TrailerO3/01/21 03/01/22 COMBINED 9INGLLLIMIT La accident) $ 2,000,000 BODILY INJURY (Per person) $ BODILY INJURY (Per accident) $ PROPERTY DAMAGE (Per accident)© $ Tranep. Pollution $ Included ■ ■ UMBRELLA LIAB E)(CGSS LIAR O OCCUR CLAIMS -MADE EACH OCCURRENCE $ AGGREGATE $ DI O RETENTION $ $ WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y I N ANYPROPRIETOR/PARI'NER/EXECUTIVE (v j OFFICER/MEMBER EXCLUDED? '1 (Mandatory In NH) If yes, descdbe under OESCRI�1 ION OF OPERATIONS below NIA REWC121968 05/01/20 OS/Ol/21 X PER RH E.L. EACH ACCIDENT $ 1, 000, 000 E.L. DISEASE - EA EMPLOYEE $ 1, 000, 000 E.L. DISEASE - POLICY LIMIT $ 1, 000, 000 G C C Trailer Interchange Motor, Truck Cargo Riggers Liability MXI93085224 MXI93085224 MXI93085224 03/01/21 03/01/21 03/01/21 03/01/22 03/01/22 03/01/22 Limit: $75,000 Limit: $250,000 Limit: $100,000 Deduct:1K Deduct:SK Deduct:2.5K DESCRIPTION OF OPERATIONS 1 LOCATIONS I VEHICLES (ACORD 101, Additional Remarks Schedule, may bo attached If more space Is required) RE; Permits and/or Operations of the Named Insured. / ADDITIONAL INSURED: City of Gilroy CERTIFICATE HOLDER City of Gilroy 7351 Rosanna Street Gilroy, (i4 95020 USA ACORD 25 (2016/03) aronzitti, 61465793 CANCELLATION SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS, AUTHORIZED REPRESENTATIVE MVI © 1988.2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD Policy Number: 83UENOH7105 lic COMMERCIAL GENERAL LIABILITY 8TY COVERAGE FORM Vnhnuo provisions in this policy restrict coverage. Read the entire policy carefully hu determine rights, duties and what ioand ianot covered. Throughout this policy the words 'you' and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying aoaNamed Insured under this policy. The wunJa "we", "us" and "our" refer to the stock insurance company member of The Hartford providing this insurance. The word "insured" means any person or organization qualifying as such under Section O - Who |aAnInsured. Other words and phnmnu that appear in quotation marks have apooin| meaning. Refer to Section V - Definitions. SECTION | - COVERAGES COVERAGE A BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement m. We will pay those sums that the insured becomes legally obligated kopay smdamages because of "bodily injury" or "property damage" howhich this insurance applies. We will have the right and duty to defend the insured oQaNm any "ou|r' seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily Injury" or "property damage" to which this insurance duon not apply, We may, atour discretion, investigate any "ounurmnce"and settle any claim or"uuit" that may result. But: (1) The amount we will pay for damages is limited oodescribed inSection III - Um|\a [fInsurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or moommann; under Coverages or m or medical expenses under Coverage C. Nuother obligation orliability topay sums ur pndonn acts or services is covered un|000 explicitly provided for under Supplementary Peymenta' Coverages Aand B. h. This insurance applies to "bodily injury" and "property damage" only If: IIG0001 0$1$ (1) The "bodily injury" nr"property damage" is ouuaod by on "occurrence" that takes place inthe "coverage bnndory'; (2) The "bodily injury" or "property damage" occurs during the policy period; and Prior tothe policy period, no insured|isted under Paragraph 1.n(Section ||' Who Is An Insured and no"employee" authorized by you to give or receive notice of an "occurrence" or u|oim, knew that the "bodily injury" or "property damage" had ucournad, in whole or in part. If such a listed insured or authorized "employee" know. prior to the policy period, that the "bodily injury" or "property damage" occurred, then any coninuoUon, change or resumption of such "bodily injury" or "property damage" during after the policy period will bedeemed tn have been known prior tothe policy period. c. "Bodily injury" or "property will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1.ofSection U ' Who Is An Insured or any "employee" authorized byyou to give or receive notice of en"ocournance"orclaim: (1) Reports all, or any part, of the "bodily injury" or"property damage" to uoorany other insurer; (2) Roneiwou m mv0on or verbal demand or claim for damages because ofthe "bodily injury" nr"property domnge"|or (3) Becomes aware byany other means that "bodily injury" or "property damage" has occurred n,has begun tooccur. d. Damages because of "bodily injury" include damages u|a|mnd by any person or organization for uum. loss of services or death resulting nkany time from the "bodily injury" o. |nddembo| K8ed|cw| K0a|prmntma And Good Samaritan Coverage "Bodily injury" arising out of the rendering of or failure to render the following health cam nepNoeo by any "employee" or "vu|unteer worker" shall be deemed 8obocaused by an "occurrence" for: (3) @281GThe Hartford (includes copyrighted material of Insurance Gembmo Office, Inc. with its permission.) Page 1of 21 EN'V 20034 with respect to duties as such. That representative will have all your rights and duties under this Coverage Pat e. Unnamed Subsidiary Any subsidiary, and subsidiary thereof, of yours which Is o legally Incorporated entity of which you own ufinancial Interest ufmore than bO% ofthe voting stock on the effective date ofthe Coverage Part. The insurance afforded hom|o for any subsidiary not named in this Coverage Part aaenamed insured does not apply to injury ordamage with respect towhich Such Insured is also o named insured under another policy or would be a named Insured under such policy but for its termination orthe exhaustion ofits limits ofinsurance. 3. Newly Acquired O,Formed Organization Any organization you newly uoqu|m or form, other than a portnarohip, ioint wyntvnm or limited liability nompany, and over which you maintain financial interest ofmore than 50%cdthe voting stock, will qualify oya Named Insured |fthere iu no other similar Insurance available to that organization. However: m. Coverage under this provision |eafforded only until the 180d) day after you acquire or form the organization or the end of the policy period, whichever isearlier; b. Coverage A does not apply to "bodily Injury" or "property damage" that occurred before you acquired urformed the organization; and c. Coverage B dnoo not apply tn "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. 4. Mmnomnnd Watercraft With respect towatercraft You donot own that Is less than 51 feet long and is not being used to carry persons for a charge, any person Is on insured while operating such watercraft with your permission, Any other person ororganization naapnno|b|m for the conduct of such person Is also an inouned, but only with naupao( to liability arising out of the operation ofthe watercraft, and only ifno other Insurance ofany kind Is available hothat person ororganization for this liability. However, noperson ororganization imeninsured with respect to: m. "Bodily injury" to a co-"mmployon" of the person operating the watercraft; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who in on insured under this provision. Co5. Additional Insureds When Required By Written ntract, Written Wdttwn Agreement Or Permit Ilow6_g_�e_rson(i� —or 6—rgaWi7ation(s)-i—re an additional insured when you have agreed, in a written contract, written agreement or because of a permit issued by a state or political subdivision, that such person or organization be added as an additional insured on your policy, provided the injury or damage occurs subsequent to the execution of the contract or agreement. Aperson ororganization isanadditional insured under this provision only for that period of time required bythe contract oragreement. However, no such person or organization is an insured under this provision if such person or organization is included as on insured by an endorsement issued by us and mode a port of this Coverage Part, m. Vendors Any person(s) or organization(s) (referred to below as vendnr), but only with respect 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 and only it this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "pnoductu'oomp|ehedoperations hazand". (1) The insurance afforded the vendor is subject to the following additional exclusions: This insurance does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability In a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; ' (c) Any physical ovchemical change inthe product made Intentionally by the vendor; (d) Repackaging, oxowpL when unpacked solely for the purpose of inopeotion. UemonotreUon, testing, or the substitution of parts tinder instructions from the manufacturer, and then repackaged inthe original container; Any failure to make such inspections, mHuobnento, tents or servicing as the vendor has agreed tomake ornormally (0) ENV 20034 Page12 of 211 HG0801O@16 P5260028002 primary, we will share with all that other insurance by the method described in c. below. (b) Primary And Non -Contributory To Other Insurance When Required By Contract, If you have agreed in a written contract, written agreement, or permit that this insurance is primary and non- contributory with the additional insured's own insurance, this insurance is primary and we will not seek contribution from that other insurance. Paragraphs (a) and (b) do not apply to other insurance to which the additional insured has been added as an additional insured. When this insurance is excess, we will have no duty under Coverages A or B to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self -insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5, Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the first Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the first Named Insured. c. The first Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6, Representations a. When You Accept This Policy By accepting this policy, you agree: (1) The statements in the Declarations are accurate and complete; (2) Those statements are based upon representations you made to us; and (3) We have issued this policy In reliance upon your representations. b. Unintentional Failure To Disclose Hazards If unintentionally you should fail to disclose all hazards relating to the conduct of your business that exist at the inception date of this Coverage Part, we shall not deny coverage under this Coverage Part because of such failure. 7. Separation Of insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the first Named Insured, this insurance applies: a. As If each Named Insured were the only Named Insured; and b. Separately to each insured against whom claim is made or "suit" is brought. 8. Transfer Of Rights Of Recovery Against Others To Us a. Transfer Of Rights Of Recovery If the insured has rights to recover all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to ENV 20034 HG 00 01 0916 Page 17 of 21 Impair recoverybring "suit" or transfer those rights to us and helio us enforce them, b. Waiver Of Rights Of Recovery (Waiver Of If the insured has waived any rights Tf against any person or organization for all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, we also waive that right, provided the insured waived their rights of recovery against such person or organization in a contract, agreement or permit that was executed prior to the Injury or R. When We Do Not Renew Ifmedecide not tomnmw-this Coverage Part, we will mail or deliver to the first Named Insured shown in the Declarations written notice of the nonmnewm| not less than 80 days before the expiration date. If nndn$ is mailed, proof of mai|ing will be sufficient proof ofnotice. SECTION V~DEFINITIONS 1. "Advertisement" means the widespread public dissemination of information or images that has the purpose of Inducing the om|e of goods, products o,services through: a. (1) Radio; (2)Te|avis|on' (3) Billboard; (4) Magazine; (5) Newspaper; or b. Any other publication that isgiven widespread public distribution. However, "advohiaement"does not include: a. The dewign, printed material. in -formation or images contained in, on or upon the packaging or labeling of any goods or products; or h. An interactive conversation between or among persons through ucomputer network. 2, "Advertising Idea" means any idea for an "advertisement". 3. "Asbestos hazard" means an exposure or threat of exposure to the eotuw| or alleged properties of asbestos and includes the mere presence ofasbestos inany form. 4. "Auto" means: a.Aland motor vehicle, trailer orsemkwd|or designed for travel on pubic noadm, including any attached machinery wrequipment; nr b. Any other land voh|o|8 that is subject to m compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed orprincipally garaged, However, "auto" dnwm not Include "mobile equipment". 5. "Bodily Injury" means physical: a. Injury; b. Sickness; cx c.umease sustained byaperson and. U arising out nfthe above, mental anguish urdeath atany time. 6. "Coverage territory" means: m. The United States of Anmdoa (including its 1ordhnriau and p0000$miona>^ Puerto Rico and Canada; h. International waters or airspace, but only if the injury nrdamage occurs |nthe course of travel or transportation between any p|noou included ino.above; or c. All other parts of the world K the injury or damage arises out of: (1) Goods orproducts made or sold byyou in the territory described inm.above; (2) The activities of a person whose home is inthe territory described |na.above, but |o away for ashort time nnyour business; or (3) "Personal and advertising injury" offenses that (aka p|oow through the Internet or similar electronic means ofcommunication provided the inounmdb responsibility to pay dmnuOoo is determined in the United States of America (including its territories and pmoaooa|ona). Puerto Rico orCanada, in m "suit" on the merits according tothe substantive law insuch territory nr inasettlement wmagree to. 7. "Employee" includes e "leased worker". "Employee" does not include a "temporary 8' "Emp|mymmnt-Related Practices" means: m.Refusal toemploy that person; b.Termination nfthat pnmon'semployment; or c.Emp|oyment-related practices, policies, acts or um|uw|onw, such as coeno|no, demotion, eva|ua(ivn, meom|gnmont, diacip|ine, defommNon, harasomant, humiliation, discrimination or malicious prosecution directed aithat person. 9. "Executive officer" means aperson holding any nfthe officer positions created byyour charter, cunst|iu0oo, by-laws or any other similar governing document, 110."Humt|Ke fire" means one which becomes uncontrollable or breaks Out from whom It was intended hobe. Page 1Wof 21 HGU0 010918 115260028002 POLICY NUMBER: 83UENOH71D4 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. MOTOR �U����^�����������������U������ m���U��� ���n�n�� ������� n���mm �o�����nn��mm�u�o Thisendorsement modifies insurance provided under the following: MOTOR CARRIER COVERAGE FORM To the extent that the provisions of this endorsement provide broader benefits to the "insured" than other provisions of the Coverage Form, the provisions of this endorsement apply. 1. BROAD FORM INSURED Paragraph . Who |s An Insured of Section N - Covered Autos Liability Coverage is amended bythe following: A. Subsidiaries And Newly Acquired O, Formed Organizations The Named Insured shown in the Declarations ioamended (uinclude: (1) Any legally incorporated subsidiary in which you own more than 50% of the voting stock onthe effective date o(the Coverage Form. However, the Named Insured does not Include any subsidiary that is an "insured" under any other automobile policy orwould boon"inounmd" under such apolicy but for its termination vrthe exhaustion ofits Limit ofInsurance. (2) Any organization that is acquired or formed by you and over which you maintain majority ownership. However, the Named Insured does not include any newly formed oracquired organization: (a) That |o u partnership, joint venture orlimited liability company, (h) That iuon"|nmumd"under any other policy, (c) That has exhausted its Limit of Insurance under any other policy, or (d) 180 days o, more after its acquisition or formation by you, unless you have given um notice of the acquisition orformation. Coverage does not apply to "bodily injury" or"property damage" that results from an "aooNent"that occurred before you formed uracquired the organization. B. Employees AmInsureds Paragraph A.1. Who Is An Insured of Section |i - Covered Autos Liability Coverage isamended 0oadd: f. Any "employee" of yours while using a covered "auto" you don't own, him or borrow in your buu)nana or your personal affairs. C. Additional Insured If Required By Contract SecDpn |U - Covered Autos Liability Coverage isamended |oadd: 9. When you have agreed, in owh#on contract orwritten agreement, that person or organization beadded ao an additional insured on your business auto policy, such person or organization is an "inuumd", but only to the extent such person o/ organization is liable for "bodily injury" m"property damage" caused bythe conduct ofen"|noumd"under paragraphs m. o, b. of Who Is An Insured with neAmnd to the ownomhip, maintenance or use ofa covered "auto". The Insurance afforded to any such additional insured applies only U the "bodily injury or "property damage" (1) During the policy period, and ('2)Subsequent hothe execution ufsuch written contract, and (3) Prior tothe expiration of the period of time that the written ountmoL requires such insurance boprovided to the additional insured. Form H&9987U316 0 2O1G'The Hartford (Includes copyrighted material of Insurance Services Office, Inc. with its permission.) Page 1of3 EN-V 20034 | [�Primary And | |Required By Contract Only with respect to insurance provided to on additional insured in 1%� Additional Insured If Required By Contract, the following provisions apply: (3) Primary |nounonmo When Required By Contract This insurance is primary if you have agreed in u written contract or written agreement that this insurance be primary. If other insurance is also (2) How Limits Apply If you have agreed klmwritten contract or written agreement that another person or organization be added as on additional insured on your pn||oy, the most we will pay on behalf of such additional insured |wthe lesser of: (a) The limits of insurance specified in the wd(ban contract or written agreement; or (b) The Umku of Insurance shown in the Declarations. Such amount shall be apart nfand not inaddition hoLimits cfInsurance shown inthe Declarations and described In this Section. Additional Insureds Other Insurance Uwocover a claim or"ouk" under this Coverage Part that may also bocovered by other insurance available to an additional insured, such additional insured must submit Such claim or "suit" to the other insurer for defense and indemnity. However, this provision does not apply hothe extent that you have agreed in a written contract or written agreement that this insurance is primary and non- contributory with the additional 1noured'a own Insurance. (4) Duties |nThe Event [fAccident, Claim, Suit OrLoss If you have agreed in awd#en contract or written agreement that another person ororganization boadded an an additional Insured on your poUoy, the additional insured nhm|| be required to comply with the provisions in Loss Conditions 2. of Duties In The Event Of Accident, C|m|m, Suit Or Loma of S,,o.,t|onV- Motor Carrier Conditions, in the omma manner as the Named Insured. (3) primary, wewill share with all that other insurance by the method described in Other Insurance 5.h. (4) Primary And Non -Contributory To Other Insurance When Required ByContract If you have agreed In uvvdttnn contract orwritten agreement that this insurance is primary and non-contributory with the additional insumd'sown insurance, this insurance is primary and we will not 000h contribution from that other insurance. Paragraphs (3)and (4)donot apply toother insurance to which the additional insured has been added asunadditional insured. When this insurance Isexcess, wewill have no duty to defend the Insured against any suit" if any other insurer has a duty to defend the Insured against that "suit", If no other Insurer def8ndo, we will undertake to do mu' but we will be entitled to the inoumd'o rights against all those other insurers. When this insurance is enueoo over other insurance, we will pay only our share of the amount of the |000. if any, that exceeds the sum o/: (1) The total amount that all such other insurance would pay for the kma in the absence ofthis insurance; and (2) The total of all deductible and self -insured amounts under all that other insurance. We will share the remaining |omo` if any, by the method described |nOther Insurance 5.h. 2. AUTOS RENTED BY EMPLOYEES Any "auto" hired orrented by your "employee" on your behalf and at your direction will be considered an"auto"you hire. The OTHER INSURANCE Condition is amended byadding the following: K an "employee's" personal insurance also applies on on exu000 basis tuacovered "nu\o" hired or rented by you "employee" on your behalf and nkyour direction, this insurance will be primary to the "employee's" personal Insurance. 3. AMENDED FELLOW EMPLOYEE EXCLUSION Exclusion 5. Fellow Employee ofSection 11' Covered Autos Liability Coverage does not apply if you have workers' ke' compensatio n insurance in -force covering all of your "employees". Coverage is excess over any other noUoct|b|o insurance. This coverage does not apply to any obligation for which the Insured or any carrier as his insurer maybe held liable under any workers' compensation, unemployment compensation or disability benefits law, nrany similar law. 4. PHYSICAL DAMAGE - ADDITIONAL TEMPORARY TRANSPORTATION EXPENSE COVERAGE Paragraph A.4.o. of SECTION |V ' PHYSICAL DAMAGE COVERAGE is amended to provide o Um|1 of $50 per day and m maximum limit of $1.000. S. AIRBAG COVERAGE Under Paragraph B. EXCLUSIONS ' of SECTION N - PHYSICAL DAMAGE COVERAGE, the following is added: The exclusion relating to mechanical breakdown does not apply to the euoidonka| discharge of an airbag. G. EXTRA EXPENSE BROADENED COVERAGE Under Paragraph A. -COVERAGE'of SECTION |V ' PHYSICAL DAMAGE COVERAGE, we will pay for the expense ofreturning estolen covered "outu"tnyou. 7. GLASS REPAIR ' WAIVER OPDEDUCTIBLE Under Paragraph D. ' DEDUCTIBLE ^ of SECTION |V-PHYSICAL DAMAGE COVERAGE, the following ioadded: Nudeductible applies 10glass damage |fthe glass |orepaired rather than replaced. 8. TWO OR MORE DEDUCTIBLES Under Paragraph D. ' DEDUCTIBLE - of SECTION |V-PHYSICAL DAMAGE COVERAGE, the following ioadded: K another Hartford Financial 8eminnn Group, Inc. company policy orcoverage form 'that is not anautomobile policy orcoverage form applies kn the same "ucnidwnt".the following applies: (1) K the deductible under this Business Auto Omemye Form Is the smaller (or smallest) deductible, itwill bowaived; (2) If the deductible under this 8uo|neoo Auto Coverage Form is not the smaller (or smallest) deductible, it will be reduced by the amount of the smaller (or ammUwat) deductible. 9. AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS The requirement in Lswm Conditions 2.m. Duties In The Event Of Accident, C|m|m' Suit Or Loam of Section V ' Motor Carrier Conditions that you must notify us of on "accident" applies only when the "accident" is known to: t You, Kyou are nnindividual; 2� Apartner, Ifyou are apartnership; 3. A member, K you are o limited liability company or 4. Aoexecutive officer orinsurance manager, if you are acorporation, 10,UN;NTENT|ONAL FAILURE TO DISCLOSE HAZARDS If you unintentionally make an error, omission or Improper description of operations or other descriptions mentioned |nthis policy existing at the inception data of your policy, we will not deny coverage under this Coverage Form because ofsuch failure. Transfer Of Rights Of Recovery Against Others ?oUwofSection V- Motor Carrier Conditions |oamended byadding the following: We waive any right of recovery we may have against any person or organization with whom you have a written contract that mqu|noa such waiver because of payments we make for damages under this Coverage Form. 12.RESULTANT MENTAL ANGUISH COVERAGE The definition of"bodily injury" inSECTION V' DEF|N|T|ON9|onap|anedbythefu|bwing: "Bodily injury" means bodily injury, sickness or disease sustained by any person, including mental anguish or death resulting from any of these. 13.EXTENDED CANCELLATION CONDITION Paragraph 2, of the COMMON POLICY CONDITIONS ' CANCELLATION ' applies except eofollows: K we oonoe| for any reason other than nonpayment of premium, we will mail or deliver to the first Named Insured written notice of cancellation ekleast GUdays before the effective date ofcancellation, i4.HIRED AUTO -COVERAGE TERRITORY Paragraph 5, of General Conditions 7. Policy Period, Coverage Territory of Section V - Motor Carrier Conditions is replaced by the following: (5) Anywhere inthe world if: (a) Acovered "aub" is leased, hired, rented nrborrowed without udriver for mperiod ofOOdays orless; and (b) The "|nxurod'n" responsibility to pay damages iudetermined |na"ou|t"onthe merits, |nthe United States ofAmerica, the herrUndoa and pownoao|oou of the United States ofAmerica, Puerto Rioo, orCanada nr|n asettlement vvo ugmo