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Attachment Code: D563844 Certificate ID: 16059509 If an "employee's" personal insurance also 5. PHYSICAL DAMAGE - ADDITIONAL applies on an excess basis to a covered"auto" TEMPORARY TRANSPORTATION EXPENSE hired or rented by your"employee"on your COVERAGE behalf and at your direction, this insurance will Paragraph A.4.a. of SECTION III - PHYSICAL be primary to the"employee's" personal DAMAGE COVERAGE is amended to provide a insurance. limit of$50 per day and a maximum limit of 3. AMENDED FELLOW EMPLOYEE EXCLUSION $1,000. EXCLUSION 5. -FELLOW EMPLOYEE-of 6. LOAN/LEASE GAP COVERAGE SECTION II - LIABILITY COVERAGE does not Under SECTION III- PHYSICAL DAMAGE apply if you have workers'compensation COVERAGE, in the event of a total"loss"to a insurance in-force covering all of your covered "auto",we will pay your additional legal "employees". obligation for any difference between the actual Coverage is excess over any other collectible cash value of the"auto"at the time of the"loss" insurance. and the"outstanding balance"of the loan/lease. 4. HIRED AUTO PHYSICAL DAMAGE "Outstanding balance" means the amount you COVERAGE owe on the loan/lease at the time of"loss" less If hired "autos"are covered "autos"for Liability any amounts representing taxes; overdue payments; penalties, interest or charges Coverage and if Comprehensive, Specified resulting from overdue payments; additional Causes of Loss, or Collision coverages are mileage charges; excess wear and tear charges; provided under this Coverage Form for any lease termination fees; security deposits not "auto"you own,then the Physical Damage returned by the lessor; costs for extended Coverages provided are extended to"autos"you warranties, credit life Insurance, health, accident hire or borrow, subject to the following limit. or disability insurance purchased with the loan or The most we will pay for"loss"to any hired lease; and carry-over balances from previous "auto" is: loans or leases. (1)$100,000; 7. AIRBAG COVERAGE (2)The actual cash value of the damaged or Under Paragraph B. EXCLUSIONS - of stolen property at the time of the"loss"; or SECTION III - PHYSICAL DAMAGE (3)The cost of repairing or replacing the COVERAGE, the following is added: damaged or stolen property, The exclusion relating to mechanical breakdown whichever is smallest, minus a deductible.The does not apply to the accidental discharge of an deductible will be equal to the largest deductible airbag. applicable to any owned "auto"for that 8. ELECTRONIC EQUIPMENT -BROADENED coverage. No deductible applies to"loss"caused COVERAGE by fire or lightning. Hired Auto Physical Damage a. The exceptions to Paragraphs B.4 coverage is excess over any other collectibleEXCLUSIONS of SECTION III PHYSICAL insurance. Subject to the above limit,deductible and excess provisions, we will provide coverage DAMAGE COVERAGE are replaced by the equal to the broadest coverage applicable to any following: covered "auto"you own. Exclusions 4.c. and 4.d. do not apply to We will also cover loss of use of the hired "auto" equipment designed to be operated solely if it results from an"accident",you are legally by use of the power from the"auto's" liable and the lessor incurs an actual financial electrical system that, at the time of"loss", loss, subject to a maximum of$1000 per is: "accident". (1) Permanently installed in or upon This extension of coverage does not apply to the covered"auto"; any"auto"you hire or borrow from any of your (2) Removable from a housing unit "employees", partners (if you are a partnership), which is permanently installed in mpmhprc(if vni i arp a limitar1 liahilih,rmmrianvl or upon the covered "auto"; (3) An integral part of the same unit housing any electronic equipm\ Paraam ,&v<f Risk Management DMsivn :..;• 1�7\. REVIEWAPPROVED REVIEWED& BY: ii:�AI� '' A Akwa. ®' Risk Management Specialist ©2011, The Hartford (Includes copyrighted material Form HA 99 16 03 12 of ISO Properties, Inc., with its permission.) f r-Ayc,VI ,,