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• Hired Autos Physical damage coverage is extended to autos your employee hires or rents under a written contract or agreement in that employee's name but only if the damage occurs in the conduct of your business. The deductible will be the largest deductible applicable to any owned auto. • Towing or Labor This new coverage applies: Private passenger autos - $75 per disablement; Light trucks (Gross Vehicle Weight) 10,000 lbs. or less -$75 per disablement; and Medium trucks (Gross Vehicle Weight) 10,001 to 20,000 lbs. - $150 per disablement. • Rental Reimbursement Coverage has been expanded from $50 per day to $75 per day for rental expenses incurred by you for the rental of an auto. We will also pay $500 for reasonable and necessary expenses incurred by you to remove and replace your tools and equipment from the covered auto. • Audio, Visual and Data Electronic Equipment Coverage The sublimit has been eliminated. Coverage is now provided at the lesser of the actual cash value or the cost to repair or replace. It is, however, subject to an adjustment for depreciatio n and physical condition. • Loan/Lease Gap Coverage The sublimit has been eliminated. Coverage is now provided for the total loss to a covered auto in any one accident limited to the greater of the balance due (subject to certain limitations) on the loan or lease or the actual cash value of the damaged or stolen property at the time of loss. • Parked Auto Collision Coverage (Waiver of Deductible) If an owned private passenger type or light truck is legally parked and unoccupied, and is struck by another vehicle, your collision deductible will not apply. This coverage does not apply to any loss if the covered auto is In the charge of any person or organization engaged in the automobile busi- ness. Two or More Deductibles Under Physical Damage Coverages, if two are more Liberty Mutual Insurance Company policies or coverage forms apply to the same accident, the smallest deductible will be waived or if this policy is not the smallest deductible, the deductible under this policy will be reduced by the smaller deductible. • Hired Auto Physical Damage Coverage Territory The coverage territory for all Hired Autos is changed to anywhere in the world. Additionally , the coverage is excess over other collectible insurance. • Bodily Injury Redefined Bodily injury has been redefined to include mental injury, shock or fright. • Personal Effects Coverage The limit is increased from $500 to $600 for "personal effects." • Physical Damage Deductible -Vehicle Tracking System Any comprehensive deductible will be reduced by 50% for a theft 'loss" in which a vehicle tracking device was used as the method to recover the vehicle. • Primary and Non -Contributing if Required by Written Contract or Written Agreement If an insured agrees to be primary and non-contributing in a written contract we will be primary and without right of contribution. IN COVERAGE Blanket Additional Insured The designated person or organization is included as an insured for the operation, maintenance or use of a covered auto. Coverage for bodily injury or property damage applies if the accident occurs after the contract, agreement or permit is issued and applies for the duration of the contract, permit or agreement. © 20181-iberty Mutual Insurance CNA 04 01 0618 includes copyrighted material of Insurance Services Office, Inc., with its permission. Rime Management Dial sian REVIEWED&APPRDVEDBy., '� Risk Management Analyst