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If an "employee's" personal insurance also 5. <br />applies on an excess basis to a covered "auto" <br />hired or rented by your "employee" on your <br />behalf and at your direction, this insurance will <br />be primary to the "employee's" personal <br />insurance. <br />3. AMENDED FELLOW EMPLOYEE EXCLUSION <br />EXCLUSION 5. - FELLOW EMPLOYEE - of <br />SECTION II - LIABILITY COVERAGE does not <br />apply if you have workers' compensation <br />insurance in -force covering all of your <br />"employees". <br />Coverage is excess over any other collectible <br />insurance. <br />4. HIRED AUTO PHYSICAL DAMAGE COVERAGE <br />If hired "autos" are covered "autos" for Liability <br />Coverage and if Comprehensive, Specified <br />Causes of Loss, or Collision coverages are <br />provided under this Coverage Form for any <br />"auto" you own, then the Physical Damage <br />Coverages provided are extended to "autos" you <br />hire or borrow, subject to the following limit. <br />The most we will pay for "loss" to any hired <br />"auto" is: <br />(1) $100,000; <br />(2) The actual cash value of the damaged or <br />stolen property at the time of the "loss"; or <br />(3) The cost of repairing or replacing the <br />damaged or stolen property, <br />whichever is smallest, minus a deductible. The <br />deductible will be equal to the largest deductible <br />applicable to any owned "auto" for that <br />coverage. No deductible applies to "loss" caused <br />by fire or lightning. Hired Auto Physical Damage <br />coverage is excess over any other collectible <br />insurance. Subject to the above limit, deductible <br />and excess provisions, we will provide coverage <br />equal to the broadest coverage applicable to any <br />covered "auto" you own. <br />We will also cover loss of use of the hired "auto" <br />if it results from an "accident", you are legally <br />liable and the lessor incurs an actual financial <br />loss, subject to a maximum of $1000 per <br />"accident". <br />This extension of coverage does not apply to <br />any "auto" you hire or borrow from any of your <br />"employees", partners (if you are a partnership), <br />members (if you are a limited liability company), <br />or members of their households. <br />PHYSICAL DAMAGE - ADDITIONAL <br />TEMPORARY TRANSPORTATION EXPENSE <br />COVERAGE <br />Paragraph AA.a. of SECTION III - PHYSICAL <br />DAMAGE COVERAGE is amended to provide a <br />limit of $50 per day and a maximum limit of <br />$1,000. <br />6. LOAN/LEASE GAP COVERAGE <br />Under SECTION III - PHYSICAL DAMAGE <br />COVERAGE, in the event of a total "loss" to a <br />covered "auto", we will pay your additional legal <br />obligation for any difference between the actual <br />cash value of the "auto" at the time of the "loss" <br />and the "outstanding balance" of the loan/lease. <br />"Outstanding balance" means the amount you <br />owe on the loan/lease at the time of "loss" less <br />any amounts representing taxes; overdue <br />payments; penalties, interest or charges <br />resulting from overdue payments; additional <br />mileage charges; excess wear and tear charges; <br />lease termination fees; security deposits not <br />returned by the lessor; costs for extended <br />warranties, credit life Insurance, health, accident <br />or disability insurance purchased with the loan or <br />lease; and carry-over balances from previous <br />loans or leases. <br />7. AIRBAG COVERAGE <br />Under Paragraph B. EXCLUSIONS - of <br />SECTION III - PHYSICAL DAMAGE <br />COVERAGE, the following is added: <br />The exclusion relating to mechanical breakdown <br />does not apply to the accidental discharge of an <br />airbag. <br />8. ELECTRONIC EQUIPMENT - BROADENED <br />COVERAGE <br />a. The exceptions to Paragraphs B.4 - <br />EXCLUSIONS - of SECTION III - PHYSICAL <br />DAMAGE COVERAGE are replaced by the <br />following: <br />Exclusions 4.c. and 4.d. do not apply to <br />equipment designed to be operated solely <br />by use of the power from the "auto's" <br />electrical system that, at the time of "loss", <br />is: <br />(1) Permanently installed in or upon <br />the covered "auto"; <br />(2) Removable from a housing unit <br />which is permanently installed in <br />or upon the covered "auto'; <br />(3) An integral part of the same unit <br />housing any electronic <br />equipmen' <br />Paragraph <br />i < a. Rug & APPRavm 8, . <br />�.��,.o <br />RYsk NYanagernena CY'erirvl'Aticfle <br />© 2011, The Hartford (Includes copyrighted material <br />Form HA 9916 0312 of ISO Properties, Inc., with its permission.) Page 3 of 5 <br />