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(2) If the Limits of Insurance of any other insurance policy have been exhausted; or <br />(3) To "bodily injury" or "property damage" that occurred before you acquired or formed the <br />organization. <br />2. EMPLOYEES AS INSUREDS <br />SECTION II — LIABILITY COVERAGE, paragraph A.1. —WHO IS AN INSURED is amended to include the <br />following as an insured: <br />f. Any "employee" of yours while using a covered 'auto' you do not own, hire or borrow, but only for acts <br />within the scope of their employment by you. Insurance provided by this endorsement is excess over <br />any other insurance available to any "employee". <br />g. An "employee" of yours while operating an "auto" hired or borrowed under a written contract or <br />agreement in that "employee's" name, with your permission, while performing duties related to the <br />conduct of your business and within the scope of their employment. Insurance provided by this <br />endorsement is excess over any other insurance available to the "employee". <br />3. ADDITIONAL INSURED BY CONTRACT, AGREEMENT OR PERMIT <br />SECTION II — LIABILITY COVERAGE, paragraph A.1. —WHO IS AN INSURED is amended to include the <br />following as an insured: <br />h. Any person or organization with respect to the operation, maintenance or use of a covered "auto", <br />provided that you and such person or organization have agreed in a written contract, agreement, or <br />permit issued to you by governmental or public authority, to add such person, or organization, or <br />governmental or public authority to this policy as an "insured". <br />However, such person or organization is an "insured": <br />(1) Only with respect to the operation, maintenance or use of a covered "auta'; <br />(2) Only for "bodily injury" or "property damage" caused by an "accident" which takes <br />place after you executed the written contract or agreement, or the permit has been <br />issued to you; and <br />(3) Only for the duration of that contract, agreement or permit <br />4. SUPPLEMENTARY PAYMENTS <br />SECTION 11 — LIABILITY COVERAGE, Coverage Extensions, 2.a. Supplementary Payments, paragraphs (2) <br />and (4) are replaced by the following: <br />(2) Up to $3,000 for cost of bail bonds (including bonds for related traffic violations) required because of <br />an "accident" we cover. We do not have to furnish these bonds. <br />(4) All reasonable expenses incurred by the insured at our request, including actual loss of earnings up to <br />$500 a day because of time off from work. <br />5. AMENDED FELLOW EMPLOYEE EXCLUSION <br />In those jurisdictions where, by law, fellow employees are not entitled to the protection afforded to the <br />employer by the workers compensation exclusivity rule, or similar protection, the following provision is added: <br />SECTION II — LIABILITY, exclusion B.S. FELLOW EMPLOYEE does not apply if the "bodily injury" results from <br />the use of a covered "auto" you own or hire. <br />SECTION 111— PHYSICAL DAMAGE COVERAGE is amended as follows: <br />6. HIRED AUTO PHYSICAL DAMAGE <br />Paragraph AA. Coverage Extensions of SECTION III — PHYSICAL DAMAGE CAGE, is a ded by <br />adding the following: <br />If hired "autos" are covered "autos" for Liability Coverage, and if Comprejxve, S ci le \ ses of Loss or <br />Collision coverage are provided under the Business Auto Coverage Fo for o" �r�wn, then the <br />Physical Damage coverages provided are extended to "autos": <br />!D \ <br />a. You hire, rent or borrow; or <br />C 2013 Liberty Mutual Insurance <br />CA 88 10 01 13 Includes copyrighted material of Insurance Services Office, Inc., with Its permission. Page 2 of 7 <br />