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3. Employee Hired Autos Liability Coverage The following is added to the Who Is An Insured Provision of SECTION II — LIABILITY COVERAGE: An "employee" of yours is an "insured" while operating an "auto" hired or rented under a written contract or written agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business. 4. Employees As Insureds The following is added to the Section II —LIABILITY COVERAGE, Paragraph A.1, Who Is An Insured Provision: Any "employee" of yours while using with your permission a covered "auto" you don't own, hire or borrow if such "auto" is being used in your business or your personal affairs. 5. Coverage Extensions - Supplementary Payments Paragraphs a.(2) and a.(4) under SECTION II — LIABILITY COVERAGE, Paragraph 2.a. Supplementary Payments are revised as follows: 1. In a.(2), the limit for the cost of bail bonds is increased to $5,000; and 2. In a.(4), the limit for the actual loss of earnings is increased to $1,000 per day. 6. Limited Fellow Employee Coverage The following is added to Subparagraph 5. Fellow Employee under Paragraph B. Exclusions in SECTION II - LIABILITY COVERAGE: But this exclusion does not apply if: a. the "bodily injury" results from the use of a covered "auto" you own or hire, and b. you have Workers Compensation insurance In force covering all of your "employees." Such coverage as is afforded by this provision is excess over any other collectible insurance. 7. Limited Hired Auto - Physical Damage Coverage - Private Passenger (Includes Employee Hired Autos Physical Damage Coverage) The following is added to Subparagraph 1, under Paragraph A. Coverage under SECTION III —PHYSICAL DAMAGE COVERAGE: d. Limited Hired Auto — Physical Damage — Private Passenger If hired "autos" are covered "autos" for Liability Coverage, and if Physical Damage Coverage of Comprehensive or Collision is provided under this Coverage Form for any "auto" you own, then Comprehensive and Collision Physical Damage Coverages as provided under SECTION III — PHYSICAL DAMAGE COVERAGE of this Coverage Part are extended to "autos" of the private passenger type you or your employee hires under a written contract or written agreement without a driver, at your direction, for the purpose of conducting your business, subject to the following: (1) The most we will pay for "loss" to any hired "auto" is $35,000 or the actual cash value or cost to repair or replace, whichever is the least, minus a deductible. (2) The deductible will be equal to the largest deductible applicable to any owned "auto" of the private passenger type for that coverage, or $1,000, whichever is less. FM 114.0.1375 11 11 Page 3 of 10 Includes copyrighted material of Insurance Service Office, Inc. with Its permission