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PI-GLD-HS (10/11)
<br />LIABILITY, Subsection 2. Exclusions, Paragraph j. Damage to Property, Item (1) is deleted in its
<br />entirety and replaced with the following:
<br />('1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or
<br />any other person, organization or entity, for repair, replacement, enhancement,
<br />restoration or maintenance of such property for any reason, including prevention of injury
<br />to a person or, damage to another's property, unless the damage to property is caused by
<br />your client, up to a $30,000 limit. A client is defined as a person under your direct care
<br />and supervision.
<br />E. Damage to Premises Rented to You
<br />1. If damage by fire to premises rented to you is not otherwise excluded from this Coverage Part,
<br />the word "fire" is changed to "fire, lightning, explosion, smoke, or leakage from automatic fire
<br />protective systems" where it appears in:
<br />a. The last paragraph of SECTION I —COVERAGES, COVERAGE A BODILY INJURY AND
<br />PROPERTY DAMAGE LIABILITY, Subsection 2. Exclusions; is deleted in its entirety and
<br />replaced by the following:
<br />Exclusions c. through n. do not apply to damage by fire, lightning, explosion, smoke, or
<br />leakage from automatic fire protective systems to premises while rented to you or
<br />temporarily occupied by you with permission of the owner. A separate limit of insurance
<br />applies to this coverage as described in SECTION III — LIMITS OF INSURANCE.
<br />b. SECTION III — LIMITS OF INSURANCE, Paragraph 6. is deleted in its entirety and replaced
<br />by the following:
<br />Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the
<br />most we will pay under Coverage A for damages because of "property damage" to any
<br />one premises, while rented to you, or in the case of damage by fire, lightning, explosion,
<br />smoke, or leakage from automatic fire protective systems while rented to you or
<br />temporarily occupied by you with permission of the owner.
<br />c. SECTION V — DEFINITIONS, Paragraph 9.a., is deleted in its entirety and replaced by the
<br />following:
<br />A contract for a lease of premises. However, that portion of the contract for a lease of
<br />premises that indemnifies any person or organization for damage by fire, lightning,
<br />explosion, smoke, or leakage from automatic fire protective systems to premises while
<br />rented to you or temporarily occupied by you with permission of the owner is not an
<br />"insured contract";
<br />2. SECTION IV —COMMERCIAL GENERAL LIABILITY CONDITIONS, Subsection 4. Other
<br />Insurance, Paragraph b. Excess Insurance, (1) (a) (ii) is deleted in its entirety and replaced by
<br />the following:
<br />That is insurance for fire, lightning, explosion, smoke, or leakage from automatic fire
<br />protective systems for premises rented to you or temporarily occupied by you with permission
<br />of the owner;
<br />3. The Damage To Premises Rented To You Limit section of the Declarations is amended to the
<br />greater of:
<br />Page 3 of 12
<br />Includes copyrighted material of Insurance Services Office, Inc., with its permission.
<br />© 2011 Philadelphia Indemnity Insurance Company
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