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Hired Auto Physical Damage <br />The coverage extension does not include autos rented or borrowed from an insured's employee or any <br />member of the employee's household. Additionally, the coverage is excess over other collectible insurance. <br />Amended Fellow Employee Exclusion <br />This coverage now requires you have workers compensation in force for all your employees in order for <br />coverage to apply. Additionally, the coverage is now excess over any other collectible insurance (i.e. the <br />employee's personal auto policy). If there is no coverage available, this coverage will be primary. <br />Additional Insured by Contract, Agreement or permit <br />The coverage now specifies that a written contract or written agreement must be in place for additional <br />insured status to be granted. It also requires the insured submit a claim to the additional insured's insurer if <br />the insured has not agreed in writing to be primary and noncontributing. <br />Newly Formed or Acquired Subsidiaries <br />This coverage now includes LLC's which represents a broadening in language. However, coverage is now <br />a limited to only newly acquired or formed subsidiaries for a period of 90 days after formation. When the <br />insured purchases or fors a new entity, we ask that that entity be disclosed to Liberty within 90 days. <br />9 <br />© 20191-ibeny Mutual Insurance <br />CNA 04 02 09 19 Includes copyrighted material of Insurance Services Office, Inc., with its permission. <br />Rime Management Diaisian <br />REVIEWED&APPROVED BY: <br />R. MA44d <br />® Risk Management Analyst <br />