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If an "ernployee's" p rsonall insurance also
<br />appiies an an exce,3,9 basis to, a covered "'auto,"'
<br />hired or Irented by your "eimployele" on your
<br />behalf and at, youir direction, Mis insurance witl
<br />be primary to the "'ernployee's"' personal
<br />insuiranoL-,
<br />3. AMENDED FELOW EMPLOYEE EXCLUSION
<br />EXCLUSiON 5, - FELLOW EMPLOYEE - of
<br />SECTION IIIII - LIABILITY COVERAGE does not
<br />apply if' you have workeirs' coirripensabon
<br />insurance in -force ooveringi all of your
<br />"employees".
<br />Coverage iis excess oveir any other c6lIectible
<br />insurance,
<br />4. HIREDiUT IPHlYSICAL MMAGE VERAGE
<br />If hired "autos" are covered "autos" for It..laNllity
<br />Coveirage andl il Comprehensive, Specified
<br />Causes olf Loss,, or Collision, coverages are
<br />provided under Mis Coverage Form for any
<br />""'a uto"" you owfli. then, the IPhmysicalll Damage
<br />Coverages provided are extended to "autos" you
<br />hire or, borrow, subject to the following Iiiimit.
<br />rhe most we mli pay for "'loss," to any hired
<br />""auto"" is:
<br />(1) $100"'000,
<br />(2) "'rhe actuaii cash value of the daimaged or
<br />stolen property at the time of the "Ioss",- or
<br />(3) The cost of repairing or, replacing the
<br />damagied or stolen property,
<br />whi,chever is sim4tl8st., imilnus a deductible. The
<br />deductible wilt be equial toth,e largest deductible
<br />appiicable to any owined `auto)" for that
<br />colv8irage. No deductible applies to ""loss" caused
<br />by fire or lightning, Hired,Auto, Physical Darnage
<br />coverage is excess over any other cZflectsble
<br />insuiranc8, Subject to the above limit, deductible
<br />andl excess provisions, we wilt provide coveirage
<br />equal to thie broadest coverage appi[k"able to any
<br />colv8ired "'auto,"' youi own,
<br />We, M1 also cover loss of use ofthe, hired "aluto"
<br />it it, results from an "accident",, you are ieg4llly
<br />liable and the lessor incurs an actuat financial
<br />lass,, subject to a rnaximum of $1000, peer
<br />ff auidenV.
<br />This extensiloin of Coverage does not apply to
<br />any "auto," yo�ol hire or, borrow froirn any of youir
<br />ff ernployees", partners (if' you are a pairtnership),
<br />members (iif you are a Iliimlited Iliialbillllilty company),
<br />or members of their households.
<br />PATSICAL DAJOIiAGE w AJUWTION�
<br />TEMPORARY TRANSPORTATION EXPENSE
<br />COVE :
<br />Paragraph A,,4,a of SECTION Ill - PHYSICAL
<br />DAMAGE COVERAGE is aimiendled to provide a,
<br />lliimit of $5,0 per day and a maximuim limit of
<br />S,1,000,
<br />6. LOANILEASE GAP COVERAGE
<br />Under SECTION III - PHYSICAL DAMIAGE
<br />COVERAGE, in the event, of a total "lass," to a
<br />covered "auto", we will pay your additional ieg4l
<br />obfigiation for any diffbirenc8 between the actual
<br />cash value of the '"auto" at the tirne of lthe "loss"
<br />a ndl the "ot4stainding b4lance" of ttle iloalntlease..
<br />"Outstanding balaince" means the amount you
<br />owe an the, loan/lease at, the firne of "lass" liess
<br />any arnotints representing taxes; overdue
<br />paymeints; pen4lties, interest or charges
<br />resulting from overdue payments; additional
<br />mileage chairges; excess wear and tear diiarges;
<br />lease termination fees-1 security deposits not
<br />returned by the lessor; costs for extended
<br />warranties, credit life lnsurance, Ih ealth, acdcleint
<br />or disability linsurance purchased with the Moan or
<br />lease; andl carry-over balances from Ipreviious
<br />loans or llease5,
<br />7. AIRBAG COVERAGE
<br />Under Paragraph B, EXGLUSIONS - of'
<br />SEC nON 11i - PHYSICAL DAMIAGE
<br />COVERAGE, t1he FoNlowing is aidded:
<br />The exclusion relatingto, mechanicat Ibrea kdown
<br />does not apply to the acrideintal discharge of an
<br />airbag,
<br />8. ELECTRONIC EQUIPMENT ® BROADENED
<br />COVERAGE
<br />a. Thie exceptions to Paragraphs BA -
<br />EXCLUSIONS - of SECTION III - PHYSICAL.
<br />DAMAGE COVERAGE are replaced by t1hie
<br />foNlowing:
<br />Exclusions 4.c. and 4.d. do not apply to
<br />equipment de5iginecl to be operated solely
<br />by U88 of the power from the "a,uto's"i
<br />electrical system that, at the firne, of"'loss",
<br />(1) Permainendy installed in or upon
<br />the covered "auto,";
<br />(2) Removable friomi a Ilmirauusingi unk
<br />which is permanently iilnstallled in
<br />or upon the covered "auto";
<br />(3) An integiral part of the same luunit
<br />hnousingi any ellectronic
<br />equiprnent described in
<br />Plara[grapiks dl) And 19% Pihnknm° nr
<br />0 2'0,11. "t-he Hartford (Incluides copyrighted material
<br />Form HA 9916 03 12 of I u IPlropelrtues, Inc., with it8 permission)
<br />cF Risk MmRgmerdDMsiun
<br />K�q REVIEWED & APPROVED BY.-
<br />F04c.�" z VX*vd
<br />RtWjanagementftalptl
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