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Business Auto Coverage Expansion Summary <br />• Certain newly acquired or formed organizations <br />covered up to 180 days <br />• Your employees are defined as an insured <br />for autos rented in their own name (with your <br />permission) in the conduct of your business <br />• Blanket additional insured status when required <br />by a covered contract or agreement <br />• Increased supplementary payments for <br />expenses incurred by you at our request <br />• Fellow employee exclusion removed <br />• Towing and labor cost covered if labor is <br />performed at the place of disablement; limit <br />$500 per disablement with no deductible <br />• Increased temporary transportation expenses for <br />covered theft of a private passenger auto (limits <br />$50 per day / $1,000 maximum with 48-hour <br />wait period) <br />• Accidental airbag discharge recovery cost <br />• Loss payee/lessee loan gap coverage for a <br />covered total loss of an auto <br />• Single deductible applies on multi -unit claims <br />• Narrowed requirements for knowledge of loss <br />AmTrust's Business Auto <br />Coverage Expansion is a <br />comprehensive coverage <br />enhancement designed for small <br />businesses. For minimal cost, <br />your insureds can have business <br />auto coverages second to none. <br />Please see a few highlights of this <br />coverage below. <br />• Blanket waiver of subrogation granted for an <br />insured contract <br />• Failure to disclose wording broadened for <br />unintentional acts <br />• Hired car physical damage coverage <br />amendment of other insurance provisions as to <br />covered autos and autos rented by individual <br />employees in your business; you must have <br />hired and non -owned auto coverage for this <br />physical damage enhancement to apply <br />• Deductible waived for covered auto on glass <br />if "repaired" <br />• Limited personal effects coverage in covered <br />auto up to $2,500 per loss with no deductible <br />• Downtime loss coverage up to a maximum of <br />$100 per day / 30 days <br />• Rental Reimbursement coverage up to a <br />maximum of $100 per day / 30 days <br />• Diminishing deductible with loss -free policy <br />periods <br />• Insurance is primary and noncontributory <br />This coverage highlight of AmTrust North America's Business Automobile Expansion Coverage Endorsement CA990187 does not grant any coverage, <br />nor form a part of your policy. For the actual coverage wording, please refer to the applicable form CA990187. $250 flat charge per policy. <br />I• <br />AmTrust North America <br />An AmTrust Financial Company <br />Business Auto 7/15 Your Success is Our Policy° <br />