HomeMy WebLinkAbout235414 JUDGE NETTING INC - INSURANCE CERTIFICATE (3)ACOR," CERTIFICATE OF LIABILITY INSURANCE
DATE12/17/2013
F
THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS
CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES
BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED
REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.
IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to
the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the
certificate holder In lieu of such endomement(s).
PRODUCER SullivanCurtisMonroe Insurance Services
1920 Main Street Suite 600
Irvine, CA 92614
www.SullivanCurtisMonroe.com License # OEB3670
CONTACT NAME:
PHONE A/C No:
E-MAIL ADDRESS:
INSURERS AFFORDING COVERAGE
NAIC k
INSURERA: Golden Eagle Insurance CorporatQD
10836
INSURED
Judge Netting, Inc. Z354� 1
427E 17th Street, Suite 489
Costa Mesa CA 92627
INSURER B : The Netherlands Insurance Company
9A171
INSURERC:
INSURER D:
INSURER E :
INSURER F :
COVERAGES CERTIFICATE NUMBER: 18641694 REVISION NUMBER:
THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD
INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS
CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS,
EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.
INSR
LTR
TYPE OF INSURANCE
ADDL
UBR
POLICY NUMBER
POLICY SEE
IMM/DD1YYY1`I
POLICY EXP
IMMMDn'YYV
LIMITS
A
GENERAL LIABILITY
✓
CBP1079981
1/1/2013
1/1/2014
EACH OCCURRENCE
$ 1,000,000
DAMAGE LINTED
PREMISE EB aw,rnnce
$ 500,000
✓ COMMERCIAL GENERAL LIABILITY
CLAIMS -MADE 1z OCCUR
MED EXP (Any one person)
$ 10,000
PERSONAL S AGO INJURY
$ 1,000,000
GENERAL AGGREGATE
$ 2,000,000
GEN'L AGGREGATE
LIMIT APPLIES PER
PRODUCTS - COMP/OP AGO
$ 2,000,000
E
POLICYF,7
PRO LOC
B
AUTOMOBILE
LIABILITY
✓
BA1079982
1/12013
1/1/2014
a,.Nl nll
$ 1,000,000
BODILY INJURY (Per person)
$
ANY AUTO
ALL OWNED SCHEDULED
AUTOS AUTOSON-C
BODILY INJURY (Per accident)
S
✓
R
Peer accident AMAGE
S
HIREDAUTOS ✓ AUTOS�ED
E
$
A
UMBRELLA LIAB
OCCUR
CU8936867
1/1/2013
1/1/2014
EACH OCCURRENCE
$ 5,000,000
AGGREGATE
$ 5,000,000
EXCESS LAB
CLAIMS -MADE
DIED RETENTION$
S
E
$
WORKERS COMPENSATION
AND EMPLOYERS' LIABILITY YIN
ANY PROPRIETORIPARTNERIEXECUTIVE
OFFICERIMEMBER EXCLUDED? ❑
N I A
WC STATU.
TORY LIMITS
E.L. EACH ACCIDENT
$
E.L. DISEASE - EA EMPLOYEE
$
(Mandatory In NH)
If yes, describe under
DESCRIPTION OF OPERATIONS below
E.L. DISEASE - POLICY LIMIT
$
A
Contractors Equipment
CBP1079981
1/1/2013
1/1/2014
Leased/Rented Equip $200.000 / $1,000 Ded
DESCRIPTION OF OPERATIONS I LOCATIONS I VEHICLES (Attach ACORD 101, Additional Remarks Schedule, It more space Is required)
RE: All Operations of the Named Insured
The City, its officers, agents adn employees are included as additional insured for General Liability and Automobile Liability per attached forms.
CERTIFICATE HOLDER
CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
Cityof Fort Collins
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
POBox580
ACCORDANCE WITH THE POLICY PROVISIONS.
Fort Collins CO 80522
AUTHORIZED REPRESENTATIVE
yx&0
K ana Okamoto
01988-2010 ACORD CORPORATION. All rights reserved.
ACORD 25 (2010/05) The ACORD name and logo are registered marks of ACORD
CERT NO.: 18641614 CLIENT CODE; SJIX'ENB'P %yana Okamoto 12/17/2013 3:50:59 PM Page 1 Of 10
SECTION IV. BUSINESS AUTO CONDITIONS
A. LOSS CONDITIONS
Item 2.a. and b. are replaced with:
2. Duties In The Event of Accident, Claim, Suit, or Loss
a. You must promptly notify us. Your duty to promptly notify us is effective when any of your
executive officers, partners, members, or legal representatives is aware of the accident, claim,
"suit", or loss. Knowledge of an accident, claim, "suit', or loss, by other employee(s) does not
imply you also have such knowledge.
b. To the extent possible, notice to us should include:
(1) How, when and where the accident or loss took place;
(2) The names and addresses of any injured persons and witnesses; and
(3) The nature and location of any injury or damage arising out of the accident or loss.
The following is added to 5.
We waive any right of recovery we may have against any additional insured under Coverage A. t.
Who Is An Insured g., but only as respects loss arising out of the operation, maintenance or use of
a covered "auto" pursuant to the provisions of the "insured contract', written agreement, or permit.
B. GENERAL CONDITIONS
9. is added
9. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS
Your unintentional failure to disclose any hazards existing at the effective date of your policy will not
prejudice the coverage afforded. However, we have the right to tolled additional premium for any
such hazard.
COMMON POLICY CONDITIONS
2.b. is replaced by the following:
b. 60 days before the effective date of cancellation if we cancel for any other reason.
GECA 701 01/07 Includes copyrighted material of Insurance Services Offices, Inc with its permission Page 4 of 4
CCRT NO.: 18641694 CLSBtif COD JULGENET Ryan Ok2a9CII 12/17/2013 3:50: 59 PM Page 10 of 10
SullivanCurbsMonroe Insurance Services
1920 Main Street Suite 600
Irvine, CA 92614
City of Fort Collins
PO Box 580
Fort Collins CO 80522
This document was created by eCertsONLINE.
MAIL DOCUMENT
1.70
r'I
Certificate of Insurance Delivery by ecertsonline "'
H
"•.J
Sender: Kyana Okamoto
to
Phone: 949.250.7172
..
Subject: ACORD 25 (05/101 Certificate of Liability: Judge
Auto,
Netting. Inc.:City o Fort Collins:13-14 GL
Date: 12/17/2013
No. of Pages: 11
URL: www.SullivanCutsMonroe.com
THIS DOCUMENT CAN BE SENT VIA E-MAIL OR FAX. FOR FASTER DELIVERY SERVICE
, ,lease CONTACT THE PRODUCER listed on the certificate and PROVIDE YOUR E-MAIL AND/OR
AX NUMBER so we may update our records.
The attached document(s) contains certification of insurance coverage for the insured named in the
subject above. Your company is listed as the organization requesting receipt of these documents.
If you have any questions regarding the content of this message, you should contact the Producer/
Agency listed on the attached documents.
THIS MESSAGE IS INTENDED FOR THE USE OF THE INDIVIDUAL OR ENTITY TO WHICH IT IS ADDRESSED AND MAY CONTAIN INFORMATION THAT IS PRIVILEGED, CONFIDENTIAL AND EXEMPT FROM DISCLOSURE UNDER APPLICABLE
LAW. IF THE READER OF THE MESSAGE IS NOT THE INTENDED RECIPIENT, OR THE EMPLOYEE OR AGENT RESPONSIBLE FOR DELIVERING THE MESSAGE TO THE INTENDED RECIPIENT, YOU ARE HEREEYNOTIFIEDTHAT ANY
DISSEMINATION, DISTRIBUTION OR COPYING OF THIS COMMUNICATION IS STRICTLY PROHIBITED. IF YOU HAVE RECEIVED THIS COMMUNICATION IN ERROR, PLEASE NOTIFY US IMMEDIATELY BY TELEPHONE. AND RETURN
THE ORIGINAL MESSAGE TO US AT THE ABOVE ADDRESS MA REGULAR POSTAL SERVICE.
C% 2002 Certificate of Insurance Delivered by ecertSoolme T. Insurance Visions, Inc. All rights reserved.
Judge Netting, Inc.
POLICY NUMBER. CBP1079981
COMMERCIAL GENERAL LIABILITY
CG 20 37 07 04
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED - OWNERS, LESSEES OR
CONTRACTORS - COMPLETED OPERATIONS
This endorsement modifies Insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SCHEDULE
Name Of Additional Insured Person(s)
Or Or anizatlon s :
Location And Description Of Completed Operations
AS REQUIRED BY WRITTEN CONTRAC , 13UTONLY
AS REQUIRED BY WRITTEN CONTRACT, BUT ONLY
WHEN ADDITIONAL INSURED STATUS FOR ONGOING
WHEN. ADDITIONAL INSURED STATUS FOR ONGOING
OPERATIONS IS SPECIFICALLY REQUIRED BY
OPERATIONS IS SPECIFICALLY REQUIRED BY
.CONTRACT
CONTRACT
Information required to complete this Schedule if not shown above will be shown in the Declarations.
Section II - Who Is An Insured is amended to Include as an additional Insured the.person(s), or
organization(s) shown In the Schedule,: but only with respect to liability for "bodlly In)Ury"-or "property
damage" caused, in whole or in part, by your work* at the location designated and described In the
schedule of this endorsement performed for that additional Insured and included in the "products -
completed operations hazard".
CG 20 37 07 04 Copyright, Insurance Services Offices, Inc., 2004 Page t of t
CER NO., 18641694 CLIENT CO06: JU RNU Nyana Okamoto 12/11/2023 3:50i59 PM Page 2 of 10
Judge Netting, Inc. CBP1079981
12/17/2013
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
COMMERCIAL LIABILITY GOLD ENDORSEMENT — CONTRACTORS
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
SECTIONI— COVERAGES
COVERAGE A. BODILY INJURY AND PROPERTY DAMAGE LIABILITY
2. Exclusions
Item 2.g. 2) is replaced with the tdl6w, ing:
2.g. 2) a watercraft you do not own that is:
a) less than 50 feet long; and
b) Not being used to carry persons or property for a charge.
Item 2.g. 6) is added:
6) An aircraft in which you have no ownership interest and that you have chartered with crew
The last paragraph of 2. Exclusions is replaced with the following:
Exclusions c. through n. do not apply to damage by fire, explosion, sprinkler leakage, or lightning to premises
while rented to you, temporarily occupied by you with the permission of the owner, or managed by you under
a written agreement with the owner. A separate Ilmd of Insurance applies to this coverage as described in
Section III — Limits of Insurance.
SECTIONI— COVERAGES
COVERAGE C. MEDICAL PAYMENTS
If Medical Payments Coverage is provided under this policy, the following is changed:
3. Limits
The medical expense limit provided by this policy shall be the greater of:
a. $10,000;or
It. The amount shown in the declarations.
IeAr: v
Coverage C. Medical Payments is primary and not contributing with any other insurance, even I that other
insurance is also primary.
The following is added:
COVERAGE D. PRODUCT RECALL NOTIFICATION EXPENSES
Insuring Agreement
We will pay "product recall notification expenses" incurred by you for the withdrawal of your products,
provided that:
a. Such withdrawal is required because of a determination by you during the policy period, that the use or
consumption of your products could result in "bodily injury" or "property damage"; and
b. The "product recall notification expenses" are incurred and reported to us during the policy period.
The most we will pay for "product recall notification expenses" during the policy period is $100,000.
SUPPLEMENTARY PAYMENTS —COVERAGES A AND B
Item b. and d. are replaced with:
b. The cost of bail bonds required because of accidents or traffic law violations arising out of the use of any
vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds.
d. All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense
of the claim or "suit" including actual loss of earnings up to $500 a day because of time off from work.
1lApi1•zrcPi
Includes copyrighted hAtedal or Insurance Services Offices Inc, Win Its permission.
GECG 970 (01111) Page 1 of
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SECTION II —WHO IS AN INSURED
Item 4. is replaced with:
4. Any subsidiaries, companies, corporations, firms, or organizations you acquire or form during the policy
period over which you maintain a controlling interest of greater than 50% of the stock or assets, will qualify as
a Named Insured if:
a) you have the responsibility of placing insurance for such entity; and
b) coverage for the entity is not otherwise more specifically provided; and
c) the entity is incorporated or organized under the laws of the United States of America.
However; coverage under this provision does not apply to "bodily injury" or "property damage" that
occurred before you acquired or formed the entity, or "personal injury" or "advertising injury" arising out of
an offense committed before you acquired or formed the entity.
Coverage under this provision is afforded only until the end of the policy period, or the twelve (12) month
anniversary of the policy inception date whichever is earlier.
SECTION III — LIMITS OF INSURANCE
Paragraph 2. is amended to include:
The General Aggregate Limit of Insurance applies separately to each "location" owned by you, rented to you, or
occupied by you with the permission of the owner.
Paragraph 6. is replaced with the following:
6. Subject to 5. above, the Fire Damage Limit is the most we will pay under Coverage A for damages because of
"property damage" to premises while rented to you, temporarily occupied by you with permission of the owner,
or managed by you under a written agreement with the owner, arising out of any one fire, explosion or
sprinkler leakage incident.
The Fire Damage Limit provided by this policy shall be the greater of:
a. $500,000 or
b. The amount shown in the Declarations.
SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS
Item 2. a. is replaced with:
2. Duties In The Event of Occurrence, Offense, Clain or Suit
a. You must promptly notify us. Your duty to promptly notify us is effective when any of your executive
officers, partners, members, or legal representatives is aware of the "occurrence", offense, claim, or "suit".
Knowledge of an "occurrence", offense, claim or "suit" by other employee(s) does not imply you also have
such knowledge. To the extent possible, notice to us should include:
1) How, when and where the "occurrence" or offense took place;
2) The names and addresses of any injured persons and witnesses; and
3) The nature and location of any injury or damage arising out of the 'occurrence", offense, claim or
suit".
Item 4. b. 1) b) is replaced with: ,;, ,61
It. Excess Insurance
1) b) That is Fire, Explosion or Sprinkler Leakage insurance for premises while rented to you,
temporarily occupied by you with permission of the owner, or managed by you under a written
agreement with the owner; or
Item 6. is amended to include:
6. Representations
d. If you unintentionally fail to disclose any hazards existing at the inception date of your policy, we will not
deny coverage under this Coverage Part because of such failure. However, this provision does not affect
our right to collect additional premium or exercise our right of cancellation or non -renewal.
Includes copyrighted materiel of Insurance Services offices Inc., with Its permission.
GECG 970 (01111) Page 2 of
CERT NO.: 28641694 CLIENT CO06: .NWENRT Ryana Okamoto 12/1]/2013 3:50:59 PM Page 4 of 10
Item 8, is replaced with:
S. Transfer of Rights Of Recovery Against Others To Us
a. If the insured has rights to recover all or part of any payment we have made under this Coverage Part,
those rights are transferred to us. The insured must do nothing after loss to impair them. At our request,
the insured will bring suit or transfer those rights to us and help us enforce them.
b. If required by a written "insured contract", we waive any right of recovery we may have against any
person or organization because of payments we make for injury or damage arising out of your ongoing
operations or "your work" done under that written "insured contract" for that person or organization and
included in the "products -completed operations hazard".
Item 10. and Item 11. are added:
10. Cancellation Condition
If we cancel this policy for any reason other than nonpayment of premium we will mail or deliver written notice
of cancellation to the first Named Insured at least 60 days prior to the effective date of cancellation.
11. Liberalization
If we adopt a change in our forms or rules which would broaden your coverage without an extra charge, the
broader coverage will apply to this policy. This extension is effective upon the approval of such broader
coverage in your state.
SECTION V — DEFINITIONS
The following definitions are added or changed:
9. "Insured contract"
a. Is changed to:
a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that
indemnifies any person or organization for damage by fire, explosion or sprinkler leakage to premises
while rented to you, or temporarily occupied by you with permission of the owner, or managed by you
under a written agreement with the owner is not an "insured contract".
23. and 24. are added:
23. "Location" means premises`WV6* b the same or connecting lots, or premises whose connection is
interrupted only by a street, roadway, waterway or right-of-way of a railroad.
24. "Product recall notification expenses" means the reasonable additional expenses (including, but not
limited to, cost of correspondence, newspaper and magazine advertising, radio or television
announcements and transportation cost), necessarily incurred in arranging for the return of products, but
excluding costs of the replacement products and the cash value of the damaged products.
The following Provisions are also added to this Coverage Part:
A. ADDITIONAL INSUREDS —BY CONTRACT, AGREEMENT OR PERMIT
1. Paragraph 2. under SECTION II — WHO IS AN INSURED is amended to include as an insured any
person or organization when you and such person or organization have agreed in writing in a contract,
agreement c; permit that such person or organization be added as an additional insured on your policy to
provide insurance such as is afforded under this Coverage Part. Such person or organization is not
entitled to any notices that we are required to send to the Named Insured and is an additional insured
only with respect to liability arising out of:
a. Your ongoing operations performed for that person or organization; or
b. Premises orfacilitles owned or used by you.
With respect to provision 1.a. above, a person's or organization's status as an insured under this
endorsement ends when your operations for that person or organization are completed.
With respect to provision 1.b. above, a person's or organization's status as an insured under this
endorsement ends when their contract or agreement with you for such premises or facilities ends.
Includes copyrighted material of Insurance services Offices Inc., with its permission.
GECG 970 (01111) Page 3 of 4
CERT NO.: 18641694 C6[ENf CODE. JW ENe Kya a Okamoto 12/17/2013 3:50:59 PM Page 5 Of 10
2. This endorsement provision A. does not apply:
a. Unless the written contract or agreement has been executed, or permit has been issued, prior to the
"bodily injury", "property damage" or "personal and advertising injury";
b. To "bodily injury" or "property damage' occurring after:
(1) All work, including materials, parts or equipment furnished in connection with such work, in the
project (other than service, maintenance or repairs) to be performed by or on behalf of the
additional insured(s) at the site of the covered operations has been completed; or
(2) That portion of "your work" out of which the injury or damage arises has been put to its intended
use by any person or organization other than another contractor or subcontractor engaged in
performing operations for a principal as a part of the same project;
c. To the rendering of or failure to render any professional services including, but not limited to, any
professional architectural, engineering or surveying services such as:
(1) The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions,
reports, surveys, field orders, change orders or drawings and specifications; and
(2) Supervisory, inspection, architectural or engineering activities;
d. To "bodily injury", "property damage" or "personal and advertising injury" arising out of any act, error
or omission that results from the additional insured's sole negligence or wrongdoing;
e. To any person or organization: specifically designated an additional insured for ongoing operations by
a separate ADDITIONAL INSURED — OWNERS, LESSEES OR CONTRACTORS endorsement
Issued by us and made a part of this policy
B. PRIMARY NON-CONTRIBUTORY ADDITIONAL INSURED EXTENSION
Condition 4. Other Insurance of SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS is
amended as follows:
a. The following Is added to paragraph a. Primary Insurance:
If an additional insured's policy has an Other Insurance provision making its policy excess, and you have
agreed in a written "construction contract" to provide the additional insured coverage on a primary and
noncontributory basis, this policy shall be primary and we will not seek contribution from the additional
insured's policy for damages we cover.
For the purposes of this endorsement, "construction contract" means a written contract or written
agreement other than a premises lease, facilities rental contract or agreement, an equipment rental or
lease agreement, or a permit issued by a state, county, municipality or other governmental authority.
b. The following is added to paragraph b. Excess Insurance:
(3) Except as specified in paragraph a., above, any other insurance in which a party who is an additional
insured hereunder is designated as a Named Insured.
Regardless of the terms of any written agreement between you and an additional insured, this insurance
is excess over any other insurance whether primary, excess, contingent or on any other basis for which
the additional insured has been added as. an additional insured.
Includes copyrighted material of Insurance Services Offices Inc., with its permission.
GECG 970 (01111) Page 4 of 4
6RT W., 166416N CLILAI =2i . IC14111fl Ky0 O to 12/17/2013 3,50,59 M Page 6 of 10
BA1079982
12.!1T,2013
Judge Netting, Inc.
COMMERCIAL AUTO GOLD ENDORSEMENT
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
SECTION II - LIABILITY COVERAGE
A. COVERAGE
WHO IS AN INSURED
The following is added:
d. Any organization, other than a partnership orjoint venture, over which you maintain ownership or
a majority interest on the effective date of this Coverage Form, if there is no similar insurance
available to that organization.
e. Any organization you newly acquire or form other than a partnership or joint venture, and over
which you maintain ownership of a majority interest. However, coverage under this provision
does not apply:
(1) If there is similar insurance or a self -insured retention plan available to that organization; or
(2) To "bodily injury" or "property damage" that occurred before you acquired or formed the
organization.
f. Any volunteer or employee of yours while using a covered "auto" you do not own, hire or borrow
in your business or your personal affairs. Insurance provided by this endorsement is excess over
any other insurance available to any volunteer or employee.
g. Any person, organization, trustee, estate or governmental entity with respect to the operation,
maintenance or use of a covered "auto" by an insured, if:
(1) You are obligated to add that person, organization, trustee, estate or governmental entity as
an additional insured to this policy by:
(a) an expressed provision of an "insured contract", or written agreement; or
(b) an expressed condition of a written permit issued to you by a governmental or
public authority.
(2) The "bodily injury" or "property damage" is caused by an "accident" which takes place after:
(a) You executed the "insured contract" or written agreement; or
(b) the permit has been issued to you.
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CERT NO.: 18661694 CLIEnr CWQ, JOW@iaT Ryan OkQ cif 12/17/2013 3:50:59 PH Page 7 OL 10
2. COVERAGE EXTENSIONS
a. Supplementary Payments.
Subparagraphs (2) and (4) are amended as follows:
(2) Up to $2500 for cost of bail bonds (including bonds for related traffic law violations) required
because of an "accident' we cover. We do not have to fumish these bonds.
(4) All reasonable expenses incurred by the "Insured" at our request, including actual loss of earning
up to $500 a day because of time off from work.
SECTION III - PHYSICAL DAMAGE COVERAGE
A. COVERAGE
The following is added:
5. Hired Auto Physical Damage
a. Any "auto" you lease, hire, rent or borrow from someone other than your employees or partners
or members of their household is a covered "auto" for each of your physical damage coverages.
b. The most we will pay for loss" in any one "accident' is the smallest of:
(1) $50,000
(2) The actual cash value of the damaged or stolen property as of the time of the "loss"; or
(3) The cost of repairing or replacing the damaged or stolen property with other property of like
kind and quality.
If you are liable for the "accident', we will also pay up to $500 per "accident' for the actual loss of
use to the owner of the covered "auto".
c. Our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by
an amount that is equal to the amount of the largest deductible shown for any owned "auto' for
that coverage. However, any Comprehensive Coverage deductible shown in the Declarations
does not apply to "loss" caused by fire or lightning.
d. For this coverage, the insurance provided is primary for any covered "auto' you hire without a
driver and excess over any other collectible insurance for any covered "auto' that you hire with a
driver.
6. Rental Reimbursement Coverage
We will pay up to $75 per day for up to 30 days, for rental reimbursement expenses incurred by you
for the rental of an "auto' because of 'loss" to a covered "auto'. Rental Reimbursement will be
based on the rental of a comparable vehicle, which in many cases may be substantially less than $75
per day, and will only be allowed for a period of time it should take to repair or replace the vehicle
with reasonable speed and similar quality, up to a maximum of 30 days. We will also pay up to $500
for reasonable and necessary expenses incurred by you to remove and replace your materials and
equipment from the covered "auto'.
mar �.: 1B6oiGECA 701 (01/077) JPeG8N6l Includes Oorcighted material of Insurance Services
er iceio Offices, Inc. xrith its permission Page 2 of 4
If "loss" results from the total theft of a covered "auto" of the private passenger type, we will pay
under this coverage only that amount of your rental reimbursement expenses which is not
already provided under paragraph 4. Coverage Extension.
7. Lease Gap Coverage
If a long-term leased "auto" is a covered "auto" and the lessor is named as an Additional Insured -
Lessor, In the event of a total loss, we will pay your additional legal obligation to the lessor for any
difference between the actual cash value of the "auto" at the time of the loss and the "outstanding
balance" of the lease.
"Outstanding balance" means the amount you owe on the lease at the time of loss less any amounts
representing taxes; overdue payments; penalties, interest or charges resulting from overdue
payments; additional mileage charges; excess wear and tear charges; and lease termination fees.
B. EXCLUSIONS
The following is added to Paragraph 3
The exclusion for "loss" caused by or resulting from mechanical or electrical breakdown does not
apply to the accidental discharge of an airbag.
Paragraph 4 is replaced with the following:
4. We will not pay for "loss" to any of the following:
a. Tapes, records, disks or other similar audio, visual or data electronic devices designed for use with
audio, visual or data electronic equipment.
b. Equipment designed or used for the detection or location of radar.
c. Any electronic equipment that receives or transmits audio, visual or data signals.
Exclusion 4.c does not apply to:
(1) Electronic equipment that receives or transmits audio, visual or data signals, whether or not
designed solely for the reproduction of sound, if the equipment is permanently installed in the
covered "auto" at the time of the "loss" and such equipment is designed to be solely operated by
use of the power from the "auto's" electrical system, in or upon the covered "auto" or
(2) Any other electronic equipment that is:
(a) Necessary for the normal operation of the covered "auto' or the monitoring of the
covered "auto's"operating system; or
(b) An integral part of the same unit housing any sound reproducing equipment described in (1)
above and permanently installed in the opening of the dash or console of the covered "auto"
normally used by the manufacturer for installation of a radio.
D. DEDUCTIBLE
The following is added: No deductible applies to glass damage if the glass is repaired rather than
replaced.
GECA 70IU0U07� Includes copyrighted material of Insurance Services Offices, Inc. pith its permission Page 3 of 4
Use NO.: 10641694 CLI COO dO .a, ayana Okam to 12/17/2013 3:50:59 PM Page 9 of 10