THOMAS HOUSE TEMPORARY SHELTER (2)

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If we pay a Physical Damage"loss" during 0. Insurance is Primary and the policy period under any BUSINESS Noncontributory AUTO COVERAGE FORM you have with Subpart a. of Item 6. Other Insurance of us, your deductible stated in the Paragraph B. General Conditions under Declaration's page of each such SECTION IV—BUSINESS AUTO COVERAGE FORM will not be reduced on CONDITIONS is amended to read: any subsequent claims during the remainder of your policy period and your deductible a. This insurance is primary and reduction will revert back to 0%for each noncontributory, as respects any other such COVERAGE FORM if coverage is insurance. renewed. R. Other Insurance—Hired Auto Physical O. Knowledge of Loss and Notice To Us Damage Subsection a. of Item 2. Duties In the Event Subpart b. of Item 6..Other Insurance of of Accident, Claim, Suit or Loss of Paragraph B. General Conditions under Paragraph A. Loss Conditions under SECTION IV—BUSINESS AUTO SECTION IV--BUSINESS AUTO CONDITIONS is amended to read: CONDITIONS is amended to add: b. For Hired Auto Physical Damage However, prompt notice of the"accident", Coverage,the following are deemed claim, "suit"or"loss"to us or our to be covered "autos"you own: authorized representative only applies (1) Any covered"auto'you [ease, after the"accident", claim, "suit" or"loss" is hire, rent or borrow; and known to: (2) Any covered"auto' hired or rented (1) You, if you are an individual; by your "employee" under a (2) A partner, if you are a partnership; contact in that individual "employee's"name,with your (3) An"executive officer"or director, if permission, while performing you are a corporation; duties related to the conduct of (4) A manager or member, if you are a your business. limited liability company; However, any"auto"that is leased, hired, (6) Your insurance manager; or rented or borrowed with a driver is not a (6) Your legal representative: covered "auto": P. Waiver Of Subrogation.For Auto Liability S. Unintentional Failure To Disclose Losses Assumed Under Insured Contract Hazards` Item 6.Transfer Of Rights Of Recovery Paragraph B. General Conditions under Against Others To Us of:Paragraph A. SECTION IV—BUSINESS AUTO CONDI- Loss Conditions under SECTION IV— TIONS is amended to add: BUSINESS AUTO CONDITIONS is 9.` Your failure to disclose all hazards amended to read, existing as of the inception date of this 6, Transfer of Rights of Recovery. policy shall not prejudice the'coverage Against Others To Us afforded by this policy, provided that such failure to disclose all hazards is not if any person or organization to or for intentional.' However, you must report whom we make payments under this such previously undisclosed hazards to Coverage From has rights to recover us as soon as practicable offer its damages from another, those right are discovery. transferred to us. That person of organization must do everything T Additional Definition necessary to secure our rights and must SECTION v -DEFINITIONS is amended to do nothing after an "accident" or"loss" add:.. to impair them. However, if the insured lipersonal effects"means personal has waived those rights to recover property owned by the"insured". through a written contract,we will waive any right to recovery we may have "Downtime loss".'means actual loss of under this Coverage Form. "business incoe"for the period of time that a covered"auto Page 4 of 4 Includes Copyrighted Material of Insurance Services Offices,Inc. CA990187 07 15 Used with perm iss ion