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Insusrance - Jamison Engineering Contractors Inc - 2023-03-22IAMIFNr.-Ai et'nkl7AI G7 CERTIFICATE OF LIABILITY INSURANCE °A'�`�'""' ILTR NSR 3/22/20232023 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(les) must have ADDITIONAL INSURED provisions or 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 eights to the certificate holder in lieu of such endorsement(s). PRODUCER License # 0757776 c ACT Gail Schrenk PO Boxe5345ional Insurance Services Inc. A/C No Ext ; 951) 779-8763 FAX Noy(951)_231-2672 i06s: cal.cpu@hubinternational.com Riverside, CA 92517 INURE S AFFORDING COVERAGE NAIC # INSURER A: Landmark American Insurance Company^ 33138 3121/2023 INSURED INSURER B : West American Insurance Co 44393 INSURER C: RSUI Indernnfty Compariv 22314 Jamison Engineering Contractors Inc. INSURER D: State Compensation Insurance Fund of California 35076 2525 S. Yale St. Santa Ana, CA 92704 INSURER E INSURER F: EXP (Any one n 5,000 COVERAGES CFRTIFICATF NIIMRFR- 0=1111clnrLI U" 01=0. 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 CONTRACTOR 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. ILTR NSR TYPE OF INSURANCE A00L SUER POLICY NUMBER POLICY EFF POLICY EXP LIMITS A X COMMERCIAL GENERAL UABIL11 Y CLAIMS -MADE IX OCCUR X LHA113784 3121/2023 3121/2024 EACH OCCURRENCE 1,000,000 DAMAGE TO RENTED 50,Q00 X BI/PD Ded: $2,500 EXP (Any one n 5,000 _MED PERSONAL & ADV INJURY 11000,000 GEN'L AGGREGATE LIMIT APPLIES PER: POLICY a JECT r-1LOCPRODUCTS GENERAL AGGREGATE 2,000,000 - COMPIOP AGG 2,000,000 OTHER: B AUTOMOBILE LIABILITY COMBINEEDSINGLE LIMIT 1,000,000 X ANYAUTO OWNED SCHEDULED AUTOS ONLY AUTOS X SAW56573285 3/21/2023 3/21/2024 BODILY INJURY Wer rson BODILY BODILY INJURY Per accident X XComp AUTOS ONLY AUTOS ONLY 1XX & Coll Ded $1,000 PerOa�dent AMAGE C X UMBRELLA LIAB EXCESS LIAR -FXI X OCCUR CLAIMS -MADE NHA101509 3/21/2023 3%21/2024 EACH OCCURRENCE $ 51000,000 AGGREGATE 5,000,000 DEDRETENTION $ 0 D WORKERS NO EMPIQ ERS' NLisi BIL11Y ANY PROPRIETORIPARTNERIEXECU'1iVE YIN FFICER/MEM ER EXCLUDED? iRandatory in �iH) If es, describe under DESCRIPTION OF OPERATIONS below N ! A 90374962023 111/2023 1/112024 OTH- j( PERTU E.L. EACH ACCIDENT1,000,000 E.L. DISEASE - EA EMPLOYE 1,000,000 E.L. DISEASE - POLICY LIMIT 1,000,000 DESCRIPTION OF OPERATIONS I LOCATIONS l VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached If more space Is required) Excess Liability Policy following underlying policies: GII., Auto, WC Only RE: CMSD / Air Release Valve Service and Mod. of 21 st P.S. Costa Mesa Sanitary District, their elected and appointed officials, agents, officers, volunteers and employees are Additional Insured with regard to General Liability when required by written contract per the attached endorsement forms CG2033 04113 and CG2037 04113. Primary & Non -Contributory wording applies with regard to General Liability when required by written contract per the attached endorsement form CG2001 12119. Additional Insured with regard to Auto Liability when required by written contract per the attached endorsement AC8543 08121. SEE ATTACHED ACORD 101 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE District THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN Costa Mesa Sanitary , ACCORDANCE WITH THE POLICY PROVISIONS. 290 Paularino Avenue Costa Mesa, CA 92628 i 1 y AUTHORIZED REPRESENTATIVE *"V-44w- ACORD 25 (2016/03) Q 1988-2015 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD ACCORDe AGENCY CUSTOMER ID: JAMIENG-01 LOC #.- I ADDITIONAL REMARKS SCHEDULE AGENCY Llceni—e* 07577776 NAMED INSURED -IUB International Insurance Services Inc. Jamison Engineering Contractors Inc. NAMED 2S-525 S. Yale St. POUCY NUMBER .8 3EE PAGE 1 Santa Ana, CA 92704 CARRIER MAIC CODE 'EE PAGE ISEE P 1 EF TIVE DATE: Q r- c o A t-- r- 4 SGONZALEZ Page 1 of I 0 2008 ACORD CORPORATION. All rights reserved. The ACORD name and logo are registered marks of ACORD POLICY NUMBER: LHA113784 COMMERCIAL GENERAL LIABILITY CG 20 33 0413 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL INSURED - OWNERS, LESSEES OR CONTRACTORS - AUTOMATIC STATUS WHEN REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART A. Section 11 — Who Is An Insured is amended to include as an additional insured any person or organization for whom you are performing operations when you and such person or organization have agreed in writing in a contract or agreement that such person or organization be added as an additional insured on your policy. Such person or organization is an additional insured only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by: 1. Your acts or omissions; or 2. The acts or omissions of those acting on your behalf; in the performance of your ongoing operations for the additional insured. However, the insurance afforded to such additional insured: 1. Only applies to the extent permitted by law; and 2. Will not be broader than that which you are required by the contract or agreement to provide for such additional insured. A person's or organization's status as an additional insured under this endorsement ends when your operations for that additional insured are completed. B. With respect to the insurance afforded to these additional insureds, the following additional exclusions apply: This insurance does not apply to: 1. "Bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: a. The preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b. Supervisory, inspection, architectural or engineering activities. This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of or the failure to render any professional architectural, engineering or surveying services. CG 20 33 0413 0 Insurance Services Office, Inc., 2012 Page 1 of 2 2. injury" or "property damage" occurring e. All work, including nmaterida, ports or equipment furnished in connection with such vvork, on the project than uen/|ce, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed; or b. That portion of"your work" out of which the injury ordamage arises has been put toits intended use byany person ororganization other than another contractor or subcontractor engaged in performing operations for a principal as m part of the same project. C. With respect to the insurance afforded to these additional insureds, the following is added to Section IKU—Limits Of Insurance: The most we will pay on behalf of the additional insured kathe amount ofinsurance: 1. Required by the contract or agreement you have entered into with the additional insured; or 2. Available under the applicable Limits of Insurance shown inthe Declarations; whichever ioless. This endorsement ahoU not increase the applicable Limits of Insurance shown in the Declarations. Page 2mf 2 @ Insurance Services Office, |mc..2O12 CG 20 33W413 POLICY NUMBER: LHAI13784 COMMERCIAL GENERAL LIABILITY CG 20 37 0413 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 PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART SCHEDULE A. 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 "bodily injury" 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". However: 1. The insurance afforded to such additional insured only applies to the extent permitted by law; and 2. If coverage provided to the additional insured is required by a contract or agreement, the insurance afforded to such additional insured will not be broader than that which you are required by the contract or agreement to provide for such additional insured. CG 20 37 0413 Q ISO Properties, Inc., 2004 Page 1 of 2 0 B. With respect to the insurance afforded to these additional |nouredo, the following is added to SectiomUII—LimnitmOf Insurance: If coverage provided tothe additional insured is nsqu/nao by contract oragreement, the most we will pay on behalf of the additional insured is the amount ofinsurance: 1. Required bythe contract oragreement; ur 2. Available under the applicable Limits of Insurance shown |nthe Declarations; whichever is less. This endorsement shall not increase the applicable Limits of Insurance shown in the CG 2037 0413 %DISO Properties, Inc., 2004 Page 2mf 2 13 Policy Number: LHAI 13784 COMMERCIAL GENERAL LIABILITY THIS ENDORSECG 20 01 12 19 ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PRIMARY AND NONCONTRIBUTORY OTHER INSURANCE CONDITION This endorsement modifies insurance Provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART The following is added to the Other Insurance Condition and supersedes any Provision to the contrary: Primary And Noncontributory Insurance This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that: (1) The additional insured is a Named Insured under such other insurance; and (2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured. CG 20 01 12 19 @insurance Services Office, Inc., 2018 Page 1 of 1 � COMMERCIAL AUTO AC 85 43 08 21 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ QFCAREFULLY. ENHM MEN,, EMENT This endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM With respect to coverage afforded by this endorsement, the provisions of the policy apply unless modified by the endorsement. If the policy to which this endorsement is attached also contains oBuainemm Auto Coverage Enhancement Endorsement with enpecifio state named in the title, this endorsement does not apply to vehicles garaged in that specified state. COVERAGENNDEX SUBJECT PROVISION NUMBER ACCIDENTAL AIRBAG DEPLOYMENT 12 ADDITIONAL ""SU 3 mwEmuEu DUTIES IN THE EVENT OFACCIDENT, CLAIM, SUIT ORLOSS 20 AMENDED FELLOW EMPLOYEE EXCLUSION 5 AUO|O, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE 14 BODILY INJURY REDEFINED 24 EMPLOYEES ASINSUREDS (Including Employee Hired Auto) 2 EXTRA EXPENSE - BROADENED COVERAGE 10 GLASS REPAIR ' WAIVER OFDEDUCTIBLE 18 HIRED AUTO COVERAGE TERRITORY 22 HIRED AUTO PHYSICAL DAMAGE (Including Employee Hired Auto) 0 LOAN / LEASE GAP (Coverage Not Available In New York) 15 NEWLY FORMED ORACQUIRED SUBSIDIARIES 1 PARKED AUTO COLLISION COVERAGE (WAIVER (]FDEDUCTIBLE) 17 PERSONAL EFFECTS COVERAGE 11 PHYSICAL DAMAGE -ADDITIONAL TRANSPORTATION EXPENSE COVERAGE 8 PHYSICAL DAMAGE DEDUCTIBLE -VEHICLE TRACKING SYSTEM 13 PRIMARY, AND NORY-WRITTEN-CO N OR WRITTEN �AGREEMENT 23 RENTAL REIMBURSEMENT Q SUPPLEMENTARY PAYMENTS 4 TOWING AND LABOR 7 TWO ORMORE DEDUCTIBLES 18 UNINTENTIONAL FAILURE TODISCLOSE HAZARDS 19 �WAIVER OFTRANSFE­R, Op�AKGHTS i'OF' ERS TO. US 21 SECTION X1~LIABILITY COVERAGE isamended eofollows: 1. NEWLY FORMED OR ACQUIRED SUBSIDIARIES SECTION If ~ LIABILITY COVERAGE, Paragraph A.I. Who Is An Insured is amended to include the following eaon^inmurod": d. Any legally incorporated subsidiary of which you own more than 50 percent interest during the policy period. Coverage is afforded only for 90 days from the date of acquisition or formation. However, "insured" does not include any organization that: (1) Is o partnership or joint venture; or (2) Is an "insured" under any other automobile policy except a policy written opecifica!| ybz apply |nexcess ofthis policy; or (3) Has exhausted its Limit of Insurance or had its policy terminated under any other automobile policy. � 2uu1Liberty Mutual Insurance AC 85 43O8 21 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page of Coverage under this provision d. does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization. 2. EMPLOYEES AS INSUREDS SECTION 11 - LIABILITY COVERAGE, Paragraph A.I. Who Is An Insured is amended to include the following as an "insured": e. Any "employee" of yours while using a covered "auto" you do not own, hire or borrow but only for acts within the scope of their employment by you. Insurance provided by this endorsement is excess over any other insurance available to any "employee". f. Any "employee" of yours while operating an "auto" hired or borrowed under a written contract or agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business and within the scope of their employment. Insurance provided by this endorsement is excess over any other insurance available to the "employee". 3. ADDITIONAL INSURED BY CONTRACT, AGREEMENfi OR PERMIT SECTION II - LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured is amended to include the following as an "insured": g. Any person or organization with respect to the operation, maintenance or use of a covered "auto", provided that you and such person or organization have agreed in a written contract, written agreement, or permit issued to you by governmental or public authority, to add such person, or organization, or governmental or public authority to this policy as an "insured". However, such person or organization is an "insured": (1) Only with respect to the operation, maintenance or use of a covered "auto'; (2) Only for "bodily injury" or "property damage" caused by an "accident" which takes place after you executed the written contract or written agreement, or the permit has been issued to you; and (3) Only for the duration of that contract, agreement or permit. The "insured" is required to submit a claim to any other insurer to which coverage could apply for defense and indemnity. Unless the "insured" has agreed in writing to primary noncontributory wording per enhancement number 23, this policy is excess over any other collectible insurance. 4. SUPPLEMENTARY PAYMENTS SECTION it - LIABILITY COVERAGE, Coverage Extensions, 2.a. Supplementary Payments, Paragraphs (2) and (4) are replaced by the following: (2) Up to $3,000 for cost of bail bonds (including bonds for related traffic violations ) required because of an "accident" we cover. We do not have to furnish these bonds. (4) All reasonable expenses incurred by the "insured" at our request, including actual loss of earnings up to $500 a day because of time off from work. 5. AMENDED FELLOW EMPLOYEE EXCLUSION In those jurisdictions where, by law, fellow "employees" are not entitled to the protection afforded to the employer by the workers compensation exclusivity rule, or similar protection, the following provi- sion is added: SECTION If - LIABILITY, Exclusion B.5. Fellow Employee does not apply if the "bodily injury" results from the use of a covered "auto" you own or hire if you have workers compensation insurance in force for all of your "employees" at the time of "loss". This coverage is excess over any other collectible insurance. SECTION III - PHYSICAL DAMAGE COVERAGE is amended as follows: 6. HIRED AUTO PHYSICAL DAMAGE Paragraph AA Coverage Extensions of SECTION III - PHYSICAL DAMAGE COVERAGE, is amended by adding the following: If hired "autos" are covered "autos" for Liability Coverage, and if Comprehensive, Specified Causes of L000 or Collision coverage are provlUea under the Business Auto Coverage Form for any "auto" you own, then the Physical Damage coverages provided are extended to "autos": © 2021 Liberty Mutual insurance AC 85 43 08 21 Includes copyrighted material of insurance Services Office, Inc., with its permission. Page 2 of 7 a. You hire, rent or borrow; or b. Your "employee" hires or rents under a written contract or agreement in that "employee's" name, but only if the damage occurs while the vehicle is being used in the conduct of your business, subject to the following limit and deductible: a. The most we will pay for "loss" in any one "accident" or "loss" is the smallest of: (1) $50,000; or (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, minus a deductible. b. The deductible will be equal to the largest deductible applicable to any owned "auto" for that coverage. c. Subject to the limit, deductible and excess provisions described in this provision, we will provide coverage equal to the broadest coverage applicable to any covered "auto" you own. 8 --- d. Subject to a maximum of $1,000 per "accident", we will also cover the actual loss of use of the " hired "auto" if it results from an "accident", you are legally liable and the lessor incurs an actual financial loss. e. This coverage extension does not apply to: (1) Any "auto" that is hired, rented or borrowed with a driver; or (2) Any "auto" that is hired, rented or borrowed from your "employee" or any member of your "employee's" household. Coverage provided under this extension is excess over any other collectible insurance available at the time of "loss". 2 7. TOWING AND LABOR SECTION III - PHYSICAL DAMAGE COVERAGE, Paragraph A.2. Towing, is amended by the addition of the following: We will pay towing and labor costs incurred, up to the limits shown below, each time a covered "auto" classified and rated as a private passenger type, "fight truck" or "medium truck" is disabled: a. For private passenger type vehicles, we will pay up to $75 per disablement. b. For "light trucks", we will pay up to $75 per disablement. "Light trucks" are trucks that have a gross vehicle weight (GVW) of 10,000 pounds or less. c. For "medium trucks", we will pay up to $150 per disablement. "Medium trucks" are trucks that have a gross vehicle weight (GVW) of 10,001 - 20,000 pounds. However, the labor must be performed at the place of disablement. co 8. PHYSICAL DAMAGE -ADDITIONAL TRANSPORTATION EXPENSE COVERAGE Paragraph AA.a. Coverage Extensions, Transportation Expenses of SECTION IIi - PHYSICAL DAMAGE COVERAGE, is amended to provide a limit of $50 per day and a maximum limit of $1,500. 9. RENTAL REIMBURSEMENT SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, is amended by adding the following: a. We will pay up to $75 per day for rental reimbursement expenses incurred by you for the rental of an "auto" because of "accident" or "loss", to an "auto" for which we also pay a "loss" under Comprehensive, Specified Causes of Loss or Collision Coverages. We will pay only for those ex- penses incurred after the first 24 hours following the "accident" or "loss" to the covered "auto." b. Rental Reimbursement requires the rental of a comparable or lesser vehicle, which in many cases may be substantially less than $75 per day, and will only be allowed for the 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. c. We will also pay up to $500 for reasonable and necessary expenses incurred by you to remove and ropl000 your tools ana equipment from the covered "auto". This limit is excess over any other collectible insurance. © 2021 Liberty Mutual Insurance AC 85 43 08 21 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 3 of 7 d. This coverage does not apply unless you have a business necessity that other "autos" available for your use and operation cannot fill. e. 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 . f. No deductible applies to this coverage. g. The insurance provided under this extension is excess over any other collectible insurance. If this policy also provides Rental Reimbursement Coverage you purchased, the coverage provided by this Enhancement Endorsement is in addition to the coverage you purchased. For the purposes of this endorsement provision, materials and equipment do not include "personal effects" as defined in provision 11.13. 10. EXTRA EXPENSE - BROADENED COVERAGE Under SECTION 111 - PHYSICAL DAMAGE COVERAGE, A. Coverage, we will pay for the expense of returning a stolen covered "auto" to you. The maximum amount we will pay is $1,000. 11. PERSONAL EFFECTS COVERAGE A. SECTION Ili - PHYSICAL DAMAGE COVERAGE, A. Coverage, is amended by adding the following: If you have purchased Comprehensive Coverage on this policy for an "auto" you own and that "auto" is stolen, we will pay, without application of a deductible, up to $600 for "personal effects" stolen with the "auto." The insurance provided under this provision is excess over any other collectible insurance. B. SECTION V - DEFINITIONS is amended by adding the following: For the purposes of this provision, "personal effects" mean tangible property that is worn or carried by an "insured." "Personal effects" does not include tools, equipment, jewelry, money or securi- ties. 12. ACCIDENTAL AIRBAG DEPLOYMENT SECTION III - PHYSICAL DAMAGE COVERAGE, B. Exclusions is amended by adding the following: If you have purchased Comprehensive or Collision Coverage under this policy, the exclusion for "loss" relating to mechanical breakdown does not apply to the accidental discharge of an airbag. Any insurance we provide shall be excess over any other collectible insurance or reimbursement by manufacturer's warranty. However, we agree to pay any deductible applicable to the other coverage or warranty. 13. PHYSICAL DAMAGE DEDUCTIBLE - VEHICLE TRACKING SYSTEM SECTION III - PHYSICAL DAMAGE COVERAGE, D. Deductible, is amended by adding the following: Any Comprehensive Deductible shown in the Declarations will be reduced by 50% for any "loss" caused by theft if the vehicle is equipped with a vehicle tracking device such as a radio tracking device or a global position device and that device was the method of recovery of the vehicle. 14. AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE SECTION III - PHYSICAL DAMAGE COVERAGE, B. Exclusions, Paragraph a. of the exception to exclu- sions 4.c. and 4.d. is deleted and replaced with the following: Exclusions 4.c. and 4.d. do not apply to: a. Electronic equipment that receives or transmits audio, visual or data signals, whether or not de- signed solely for the reproduction of sound, if the equipment is: (1) Permanently installed in the covered "auto" at the time of the "loss" or removable from a housing unit that is permanently installed in the covered "auto"; and (2) Designed to be solely operated by use from the power from the "auto's" electrical system; and (3) Physical damage coverages are provided for the covered "auto". If the "loss" occurs solely to audio, visual or data electronic equipment or accessories used with this equipment, then our obligation to pay for, repair, return or replace damaged or stolen property will be reduced by a $100 deductible. 0 2021 AC 85 43 08 21 Includes copyrighted mateLiberty material of insurance Services Office, Inc., with its permission. Page 4 of 7 IS. LOAN/LEASE GAP COVERAGE (Not Applicable NmNew York) A. Paragraph C. Limit Of Insurance of SECTION III ~PHYSICAL DAMAGE COVERAGE is amended � adding the fdk�v�Q: -' The most we will pay for o"tota/ kmo" to eoovarad "auto" owned by or leased to you in any one ^eoc/dent' is the gnaehnr of the: 1. Balance due under the terms of the loan or |oaom to which the damaged covered "auto" is subject at the time of the "loss" |eua the amount of: m. Overdue payments and financial penalties eamoo|eted with those payments auofthe date of the "loss"; b. Financial penalties imposed under e|eaew due to high mi|eogn, excessive use or abnormal wear and tear; o. Costs for extended warranties, Credit Life |naunonoe. Health, Accident or Disability Insur- ance pu��ma�d with the loan or|eooe'. . m d. Transfer or rollover be/onoeo from previous loans or leases; e. Final payment due under e"BoUoon Loon"' . f. The dollar amount of any unrepaired damage which occurred prior to the "bohy/ loss" of � covered "auto"; � � B. Security deposits not refunded byolessor; h' All refunds payable or paid to you meeresult ofthe eody termination cfolease agreement ---- or as namu!t of the early termination of any warranty or extended service agreement on a covered "auto"; 1. Any amount representing texas; . y. Loan orlease termination fees; o, � 2. The mctuol cash mduo of the damage or stolen property as of the time of the "loss". An adjustment for depreciation and physical condition will be made in determining the actual cash value at the time of the "loss". This adjustment is not applicable /n Texas. B. Additional Conditions This coverage applies only to the original loan for which the covered "auto" that incurred the "loss" serves as collateral, orlease written on the covered "auto" that incurred the "loss". C. SECTION V ~DEFXNITIONS is changed by adding the following: As used in this endorsement pnov|a|on, the following definitions apply: "Total loss" means a "(neo" in which the cost of repairs plus the salvage value exceeds the actual cash value. m A"baUoon loan" is one with periodic payments that are insufficient to repay the balance over the � b*nn ofthe loan, thereby requiring alarge final payment. 16, GLASS REPAIR ~WAIVER OF DEDUCTIBLE Paragraph D. Deductible of SECTION U0 ~PHYSUCAL DAMAGE COVERAGE is amended by the addition m of the following: No deductible mpp//oo to g|mom damage if the g/mam is repaired rather than replaced. 17. PARKED AUTO COLLISION COVERAGE (WAIVER OF DEDUCTIBLE) Paragraph D. Deductible of SECTION h0 -PHY@KCAL DAMAGE COVERAGE is amended by the addition ofthe following: The deductible does not apply to "loss" caused by collision to such covered "auto" of the private passenger type or light weight truck with aQmam vehicle weight of 10.000 lbs. or less as defined by the manufacturer as maximum loaded weight the "auto" is designed to carry while it is: a. In the charge of an "Insured"; b. LeoaUv oa,uau: and c. Unoccupied. 0 2021 Liberty Mutual �oma�e AC 85 43 0821 Includes copyrighted material aunoo-----Office, |mc..with its permission. Page 5mf7 CIO 16 3 The "loss" must be reported to the police authorities within 24 hours of known dam The total amount of the damage to the covered "auto" must exceed the deductible Declarations. uctible shown in the This provision does not apply to any "loss" if the covered "auto" is in the char organization engaged in the automobile business. ge of any Person or 18. TWO OR MORE DEDUCTIBLES Under SECTION III - PHYSICAL DAMAGE COVERAGE, if two or more company p olicie forms apply to the same "accident", the following applies to Paragraph D. Deduct s or coverage a. If the applicable Business Auto deductible is the smaller (or smallest Ie , or ) deductible, Ie, it will be waived; b. If the applicable Business Auto deductible is not the smaller (or smallest) deductible,i reduced by the amount of the smaller (or smallest) deductible; ort will be c. If the "loss" involves two or more Business Auto coverage forms or policies, the smaller smallest) deductible will be waived. {or For the purpose of this endorsement, company means any company that is part of the Liberty Mutual SECTION iV - BUSINESS AUTO CONDITIONS is amended as follows: 19. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS SECTION IV- BUSINESS AUTO CONDITIONS , Paragraph B.2. is amended by adding the following: if you unintentionally fail to disclose any hazards, exposures or material facts existing as of the incep- tion date or renewal date of the Business Auto Coverage Form, the coverage afforded by this policy Weep not be prejudiced. p y will However, you must report the undisclosed hazard of exposure as soon as practicable after its disc and we have the right to collect additional premium for any such hazard or exposure. overy, 20. AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUiT OR LOSS SECTION iV - BUSINESS AUTO CONDITIONS , Paragraph A.2.a, is replaced in its entire b ing: entirety Y the follow- ing: In the event of "accident", claim, "suit" or "loss", you must promptly notify us when it is know (1) You, if you are an individual; n to: (2) A partner, if you are a partnership; (3) Member, if you are a limited liability company; (4) An executive officer or the "employee" designated by the Named insured to give such notice you are a corporation. , ,f To the extent possible, notice to us should include: (a) How, when and where the "accident" or "loss" took place; (b) The "insured's" name and address; and (c) The names and addresses of any injured persons and witnesses. 21. WAIVER OF TRANSFER OF`RIGHTS OF RECOVERY gGA11yST.UTHERS TO US SECTION IV - BUSINESS AUTO CONDITIONS , Paragraph A.5. Transfer Of Rights Of Recove A ai Others To Us, is amended by the addition of the following: *Y g nst If the person or organization has in a written agreement waived those rights before an "accid "loss", our rights are waived also. ent" or 22. HiRED AUTO COVERAGE TERRITORY SECTION IV - BUSINESS AUTO CONDITIONS , Paragraph B.7. Policy Period, Coverage T ' amended by the addition of the following: 9 erritory , is f. For "autos" hired 30 days or less, the coverage territory is anywhere in the world "ineured'e" responsibility to pay for damages l5 determineo in a -suit-, on the merits, vin theidedthat Unitthe ed States, the territories and possessions of the United States of America, Puerto Rico or Canada a settlement we agree to. or in (D 2021 Liberty Mutual Insurance AC 85 43 08 21 Includes copyrighted material of Insurance Services Office, Inc. with its permission. Page 6 of 7 m � This extension of coverage does not apply to an "auto" hired,leased, rented or borrowed with e driver. — 23. PRIMARY'- AND0FRI EN 'AGREE^ The following is added to SECTION KV'BUSINESS AUTO CONDITIONS, 'General Conditions, B.5. Other Insurance and supersedes any provision tothe contrary: This Coverage Form's Covered Autos Liability Coverage is primary to and will not seek contribution from any other insurance available to an "insured" under your policy provided that: 1. Such "insured" iooNamed Insured under such other insurance; and 2. You have agreed in owhtten contract or written agreement that this insurance would be primary and would not seek contribution from any other insurance available to such "insured". SECTION V ~DEF/NkTUONS is amended as follows: 24. BODILY INJURY REDEFINED Under SECTION V ~DEFUNUTIONS ' Definition C. is replaced by the fb||mw|nQ: "Bodily injury" means physical irjury, sickness or disease sustained by a person,including mental angu/ah, mental injury, mhook, fright or death resulting from any of these at any time. «» MutualInsurance AC 8543 08 21 Includes copyrighted mo�r�/u,| ^^` nmu�nneoemmoocxncemo,wnhnopennioeion. Page 7of7