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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.s. of SECTION III - PHYSICAL be primary to the "employee's" persona! 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 a. - FELLOW EMPLOYEE - of 6. LOANIL,EASE GAP COVERAGE SECTION 11 - 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 "auto",we will p al ay your additional legal employees��. covered 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 Ioanllease. 4, HIRED AUTO PHYSICAL DAMAGE COVERAGE "Outstanding balance" means the amount you If hired "autos" are covered "autos" for Liabllity owe on the loan/lease at the time of"loss"less Coverage and if Comprehensive, Specified any amounts representing taxes; overdue Causes of Loss, or Collision coverages are payments; penalties, interest or charges provided under this Coverage Farm for any resulting from overdue payments; additional "auto" you own, then the Physical Damage mileage charges;excess wear and tear charges; Coverages provided are extended to"autos"you lease termination fees; security deposits not hire or borrow,subject to the following limit. returned by the lessor; costs for extended The most we will pay for "loss" to any hired warranties, credit life Insurance, health, accident "auto„!s: or disability insurance purchased with the loan or [ease; and carry-over balances from previous (1) $100,000; loans or leases. (2) The actual cash value of the damaged or 7. AIRBAG COVERAGE stolen property at the time of the"loss";or Under Paragraph B. EXCLUSIONS - of (3) The cost of repalring' or replacing the SECTION III - PHYSICAL DAMAGE damaged or stolen property, COVERAGE,the following Is added: whichever Is smallest, minus a deductible. The The exclusion relating to mechanical breakdown deductible will be equal to the largest deductible does not apply to the accidental discharge of an applicable to any owned "auto" for that airbag. coverage.No deductible applies to"loss"caused 8. ELECTRONIC EQUIPMENT • BROADENED by fire or lightning. Hired Auto Physical Damage COVERAGE coverage Is excess over any other collectible Insurance. Subject to the above limit,deductible a, The exceptions to Paragraphs B.4 - and excess provisions,we will provide coverage EXCLUSIONS -of SECTION II!-PHYSICAL equal to the broadest coverage applicable to any DAMAGE COVERAGE are replaced by the following: covered"auto"you own. to We will also cover loss of use of the hired"auto" equExcipmentusions designed and o b o not apply solely if it results from an "acoldent", you are legally equipment designed to be operated solely liable and the lessor Incurs an actual financial l use of the power from the "auto's" e loss, subject to a maximum of $1000 per electrical system that, at the time of"loss", "accident". Is: This extension of coverage does not apply to (1) Permanently Installed in or upon any "auto"you hire or borrow from any of your the covered"auto"; "employees", partners (if you are a partnership), (2) Removable from a housing unit members(if you are a limited liability company), which is permanently installed in or members of their households. or upon the covered"auto"; (3) An Integral part of the same unit housing any electronic equipment described In Paragraphs(1)and(2)above;or Q 2011,The Hartford(includes copyrighted material Form HA go 16 0312 of 180 Properties,Inc.,with its permission.) Page 3 of 5