HomeMy WebLinkAboutCoverage Extension Endorsement- Zurich 3 2,672�
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Coverage Extension Endorsement ZURICH"
Policy No. Elf. Date of Pol. Exp. Date of Pol. Eff.Date of End. Producer No. AddT Prern Return Prom.
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
This endorsement modifies insurance provided under the:
Business Auto Coverage Form
Motor Carrier Coverage Form
A. Amended Who Is An Insured
1. The following is added to the Who Is An Insured Provision in Section 11—Covered Autos Liability Coverage:
The following are also"insureds":
a. Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow for acts
performed within the scope of employment by you. Any "employee" of yours is also an "insured" while
operating an "auto" hired or rented under a contract or agreement in an "employee's" name, with your
permission,while performing duties related to the conduct of your business.
b. Anyone volunteering services to you is an "Insured" while using a covered "auto" you don't own, hire or
borrow to transport your clients or other persons in activities necessary to your business.
c. Anyone else who fumishes an"auto"referenced in Paragraphs A.I.a.and A.I.b. in this endorsement.
d. Where and to the extent permitted by law, any person(s)or organization(s)where required by written contract
or written agreement with you executed prior to any "accident", including those person(s) or organization(s)
directing your work pursuant to such written contract or written agreement with you, provided the "accident".
arises out of operations governed by such contract or agreement and only up to the limits required in the
written contract or written agreement,or the Limits of Insurance shown in the Declarations,whichever is less.
2. The following is added to the Other Insurance Condition in the Business Auto Coverage Form and the Other
Insurance—Primary and Excess Insurance Provisions Condition in the Motor Carrier Coverage Form:
Coverage for any person(s) or organization(s), where required by written contract or written agreement with you
executed prior to any"accident", will apply on a primary and non-contributory basis and any insurance maintained
by the additional "insured"will apply on an excess basis. However, in no event will this coverage extend beyond
the terms and conditions of the Coverage Form.
B. Amendment—Supplementary Payments
Paragraphs a.(2) and a.(4) of the Coverage Extensions Provision in Section 11 — Covered Autos Liability
Coverage are replaced by the following:
(2) Up to $5,000 for the cost of bail bonds (including bonds for related traffic law 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.
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Includes copyrighted material of Insurance Services Office,Inc.,with its permission.
C. Fellow Employee Coverage
I The Fellow Employee Exclusion contained in Section 11—Covered Autos Liability Coverage does not apply.
D. Driver Safety Program Liability and Physical Damage Coverage
1. The following is added to the Racing Exclusion in Section 11—Covered Autos Liability Coverage:
This exclusion does not apply to covered "autos" participating in a driver safety program event, such as, but not
limited to,auto or truck rodeos and other auto or truck agility demonstrations.
2. The following is added to Paragraph 2, in the Exclusions of Section III — Physical Damage Coverage of the
Business Auto Coverage Form and Paragraph 2.b. in the Exclusions of Section IV — Physical Damage
Coverage of the Motor Carder Coverage Form:
This exclusion does not apply to covered "autos" participating in a.driver safety program event, such as, but not
limited to, auto or truck rodeos and other auto or truck agility demonstrations.
E. Lease or Loan Gap Coverage
The following is added to the Coverage Provision of the Physical Damage Coverage Section:
Lease Or Loan Gap Coverage
In the event of a total"loss"to a covered"auto",we will pay any unpaid amount due on the lease or loan for a covered
"auto", less:
a. Any amount paid under the Physical Damage Coverage Section of the Coverage Form;and
b. Any:
(1) Overdue lease or loan payments at the time.of the"loss";
(2) Financial penalties imposed under a lease for excessive use,abnormal wear and tear or high mileage;
(3) Security deposits not returned by the lessor;
(4) Costs for extended warranties,credit life insurance, health, accident or disability insurance purchased with the
loan or lease; and
(5) Carry-over balances from previous leases or loans.
F. Towing and Labor
Paragraph A.2.of the Physical Damage Coverage Section is replaced by the following:
We will pay up to $75 for towing and labor costs incurred each time a covered"auto"of the private passenger type is
disabled. However,the labor must be performed at the place of disablement.
G. Extended Glass Coverage
The following is added to Paragraph A.3.a.of the Physical Damage Coverage Section:
If glass must be replaced, the deductible shown in the Declarations will apply. However, if glass can be repaired and
is actually repaired rather than replaced, the deductible will be waived. You have the option of having the glass
repaired rather than replaced.
H. Hired Auto Physical Damage—Increased Loss of Use Expenses
The Coverage Extension for Loss Of Use Expenses in the Physical Damage Coverage Section is replaced by the
following:
Loss Of Use Expenses
For Hired Auto Physical Damage, we will pay expenses for which an"insured" becomes legally responsible to pay for
loss of use of a vehicle rented or hired without a driver under a written rental contract or written rental agreement. We
will pay for loss of use expenses if caused by:
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Includes copyrighted material of Insurance Services Office,Inc.,with its permission.
(1) Other than collision only if the Declarations indicate that Comprehensive Coverage is provided for any covered
"auto';
(2) Specified Causes Of Loss only if the Declarations indicate that Specified Causes Of Loss Coverage is provided
for any covered"auto"; or
(3) Collision only if the Declarations indicate that Collision Coverage is provided for any covered"auto".
However,the most we will pay for any expenses for loss of use is$100 per day,to a maximum of$3000.
I. Personal Effects Coverage
The following is added to the Coverage Provision of the Physical Damage Coverage Section:
Personal Effects Coverage
a. We will pay up to$750 for"loss"to personal effects which are:
(1) Personal property owned by an"insured";and
(2) In or on a covered"auto".
b. Subject to Paragraph a.above,the amount to be paid for"loss"to personal effects will be based on the lesser of.
(1) The reasonable cost to replace;or
(2) The actual cash value.
c. The coverage provided in Paragraphs a. and b. above, only applies in the event of a total theft of a covered
"auto". No deductible applies to this coverage. However, we will not pay for"loss" to personal effects of any of
the following:
(1) Accounts, bills; currency, deeds, evidence of debt, money, notes, securities, or commercial paper or other
documents of value.
(2) Bullion, gold, silver, platinum, or other precious alloys or metals; furs or fur garments; jewelry, watches,
precious or semi-precious stones.
(3) Paintings, statuary and other works of art.
(4) Contraband or property in the course of illegal transportation or trade.
(5) Tapes, records, discs or other similar devices used with audio,visual or data electronic equipment.
Any coverage provided by this Provision is excess over any other insurance coverage available for the same "loss".
J. Tapes, Records and Discs,Coverage
1. The Exclusion in Paragraph 13.4.a. of Section III— Physical Damage Coverage in the Business Auto Coverage
Form and the Exclusion in Paragraph 13.2.c..of Section IV— Physical Damage Coverage in the Motor Carrier
Coverage Form does not apply.
2. The following is added to Paragraph I.a. Comprehensive Coverage under the Coverage Provision of the
Physical Damage Coverage Section:
We will pay for"loss" to tapes, records, discs or other similar devices used with audio, visual or data electronic
equipment. We will pay only if the tapes, records, discs or other similar audio,visual or data electronic devices:
(a) Are the property of an"insured"; and
(b) Are in a covered"auto"at the time of"loss".
The most we will pay for such "loss" to tapes, records, discs or other similar devices is $500. The Physical
Damage Coverage Deductible Provision does not apply to such"loss".
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Includes copyrighted material of Insurance Services Office,Inc.,with its permission.
K. Alrbag Coverage
The Exclusion in Paragraph B.3.a.of Section III—Physical Damage Coverage in the Business Auto Coverage Form
and the Exclusion in Paragraph BA.a. of Section IV— Physical Damage Coverage in the Motor Carrier Coverage
Form does not apply to the accidental discharge of an airbag.
L. Two or More Deductibles
The following is added to the Deductible Provision of the Physical Damage Coverage Section:
If an accident is covered both by this policy or Coverage Form and by another policy or Coverage Form issued to you
by us,the following applies for each covered"auto"on a per vehicle basis:
1. If the deductible on this policy or Coverage Form is the smaller(or smallest)deductible, it will be waived; or
2. If the deductible on this policy or Coverage Form is not the smaller(or smallest) deductible, it will be reduced by
the amount of the smaller(or smallest)deductible.
M. Physical Damage—Comprehensive Coverage—Deductible
The following is added to the Deductible Provision of the Physical Damage Coverage Section:
Regardless of the number of covered "autos"damaged or stolen,the maximum deductible that will be applied to
Comprehensive Coverage for all "loss"from any one cause is$5,000 or the deductible shown in the Declarations,
whichever is greater.
N. Temporary Substitute Autos—Physical Damage
1. The following is added to Section I—Covered Autos:
Temporary Substitute Autos—Physical Damage
If Physical Damage Coverage is provided by this Coverage Form on your owned covered "autos", the following
types of vehicles are also covered"autos"for Physical Damage Coverage:
Any "auto" you do not own when used with the permission of its owner as a temporary substitute for a'covered
"auto"you do own but is out of service because of its:
1. Breakdown;
2. Repair;
3. Servicing;
4. "Loss"; or
5. Destruction.
2. The following is added to the Paragraph A.Coverage Provision of the Physical Damage Coverage Section:
Temporary Substitute Autos—Physical Damage
We will pay the owner for"loss"to the temporary substitute"auto"unless the"loss" results from fraudulent acts or
omissions on your part. If we make any payment to the owner,we will obtain the owner's rights against any other
party.
The deductible for the temporary substitute "auto" will be the same as the deductible for the covered "auto" it
replaces.
O. Amended Duties In The Event Of Accident,Claim,Suit Or Loss
Paragraph a.of the Duties In The Event Of Accident, Claim, Suit Or Loss Condition is replaced by the following:
a. In the event of"accident", claim, "suit" or"loss", you must give us or our authorized representative prompt notice
of the "accident", claim, "suit" or "loss". However, these duties only apply when the "accident", claim, "suit" or
"loss"is known to you (if you are an individual), a partner(if you are a partnership), a member(if you are a limited
liability company) or an executive officer or insurance manager (if you are a corporation). The failure of any
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- �' agent, servant or employee of the "insured"to notify us of any"accident". claim, "suit" or"loss" shall not invalidate
the insurance afforded by this policy. �
Include, os soon espracticable:
(1) Hmy' when and where the "accident" or "loss" occurred and if a claim is mode or "suit" is brought, written /
notice of the claim or"auit'including, but not limited to,the date and details of such claim or"auit"; !
(2) The"insured's" name and address; and
/3\ To the extent possible,the names and addresses of any injured parsonsandvvitneaaeo.
If you report an "accident", claim, "suit' or "loss" to another insurer when you should have reported to us' your �
failure to report to us will not be seen as a violation of these amended duties provided you give us notice as soon
om practicable after the fact of the delay becomes known toyou. �
P. Waiver of Transfer Of Rights 0f Recovery Against Others T# Us
The following |a added to the Transfer KJfRights Of Recovery Ao�in�t<�th�raTnO� C}onditYon�
~ �
This Condition does not apply to the extent required of you by a written contract, executed prior to any "accident" or �
"loss", provided that the"accident" or"loss" arises out of operations contemplated by such contract. This waiver only
applies tothe person or organization designated in the contract.
��. Emmp|oyeeBiredAubos—Physica/ Darnage
Paragraph b. of the Other Insurance Condition in the Business Auto Coverage Form and Paragraph f. of the Other
Insunmnoe—Pr|rnory and Excess Insurance Provisions Condition in the Motor Carrier Coverage Form are replaced
by the following: ^
For Hired Auto Physical Damage Coverage, the following are deemed to be covered "autos"you own:.
(1) Any covered"auto"you lease, hire, rent or borrow; and
(2) Any covered "auto" hired or rented under a written contract or written agreement entered into by an "employee"or
elected or appointed cfio(o| with your permission while being operated within the course and scope of that
''ernp|oyee'a"e0p|oynlentbyyouorthata|ectedoroppointedoOlcim|'edutiemasreopeottheirob|igaUonobnypu.
However. any"outo"that is leased, hired, rented or borrowed with m driver is not a covered "auto".
R. Unintentional Failure to Disclose Hazards
The following |s added tothe Concealment, Misrepresentation Or Fraud Condition:
However,we will not deny coverage under this Coverage Form if you unintentionally: �
(1) Fall todisclose any hazards existing at the inception date of this Coverage Form; or �
(3) Make an ennr,omiomion, improper description of"autos"or other misstatement ofinformation. �
You must notify us as soon as possible after the discovery of any hazards or any other information that was not �
provided tVus prior tothe acceptance of this policy. �
S. Hired Auto—World Wide Coverage '
Paragraph 7a.(5) of the Policy Period, Coverage Territory Condition is replaced by the following:
(5) Anywhere in the world if a covered "auto" is leased, hired, rented or borrowed for a period of 60 days or less,
T. Bodily Injury Redefined
The definition of"bodily injury" in the Definitions Section is replaced by the following: �
"Bodily injury" means bodily injury, sickness or disease, sustained by person including death or mental anguish,
resulting from any of these at any time, Mental anguish means any type of mental or emotional illness ordisease.
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' U. Expected Or Intended Injury
The Expected Or Intended Injury ExdusioninPoragrmphB. Exc|usKonsunderSectonD—Cmxered Auto Liability
Coverage ky replaced by the following:
Expected Or Intended Injury
"Bodily injury" or "property damage" expected or intended from the standpoint of the "insured". This exclusion does
not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or
property.
V. Physical Damage—Additional Temporary Transportation Expense Coverage
Paragraph A'4.a. of Section III—Physical Damage Coverage ia replaced by the following:
4. Coverage Extensions
o' Transportation Expenses
We will pay up to $50 per day to a maximum of$1,000 for temporary transportation expense incurred by you
because of the total theft of covered "auto" of the private passenger type. We will pay only for those
covered "autos" for which you carry either Comprehensive or Specified Causes of Loss Coverage. We will
pay for temporary transportation expenses incurred during the period beginning 48 hours after the theft and
ending, regardless of the policy's expiration, when the covered "auto" is returned to use or we pay for its
"loos".
W. Replacement pfa Private Passenger Auto with o Hybrid mrAlternative Fuel Source Auto
The following is added to Paragraph A. Coverage ofthe Physical Damage Coverage Section: �
In the event of o total "|mem" to a covered "auto" of the private passenger type that is replaced with e hybrid "auto" or
"auto" powered by an alternative fuel source of the private passenger type, we will pay an additional 10% of the cost
of the replacement "auto"' excluding tax, title, |icensm, other fees and any aftmrmarket vehicle upgrmden, up to a
maximum of$25OO. The covered "auto" must be replaced by a hybrid "auto" or an "auto" powered by an alternative
fuel source within 60 calendar days of the payment of the "loss" and evidenced by a bill of sale or new vehicle lease
agreement. �
Tn qualify as a hybrid "auto", the "auto'_' Must be powered by a conventional gasoline engine and another source of �
propulsion power. The other source ofpropulsion power must be a|eothc' hydnoQan, propane, solar ornatural gas,
either compressed or liquefied. To qualify as an "auto" powered by an alternative fuel source, the "auto" must be
powered by e source of propulsion power other than a conventional gasoline engine. An "auto" an|e|y propelled by
biofuel, gasoline or diesel fuel or any blend thereof is not an "auto" powered by an alternative fuel source.
X. Return of Stolen Automobile �
The following ia added to the Coverage Extension Provision nf the Physical Damage Coverage Section:
If covered ''auto" is stolen and recovered, we will pay the cost nf transport to return the "auto" to you. We will pay
only for those covered"autos"for which you carry either Comprehensive or Specified Causes of Loss Coverage.
All other terms, conditions, provisions and exclusions of this policy remain the same. �
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