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• Amended Fellow Employee Exclusion This coverage now requires you have workers compensation in force for all your employees in order for coverage to apply. Additionally, the coverage is now excess over any other collectible insurance (i.e. the employee's personal auto policy). If there is no coverage, other than workers compensation, available, this coverage will be primary. • Audio, Visual and Data Electronic Equipment Coverage Changes in format to make the coverage easier to read. • Accidental Airbag Deployment This insurance is excess over any other collectible insurance or reimbursement from a manufac- turer's warranty. However, we will pay any deductible applicable to that other coverage or war- ranty. o REDUCTION IN COVERAGE • Extra Expense - Broadened Coverage The amount we pay to return your stolen covered auto to you is $1000. This may be considered a a =_ reduction in your limit. Personal Effects Coverage This coverage applies to personal effects up to $600 stolen with your covered auto and is excess over any other collectible insurance. Personal effects are defined as tangible property that is worn or carried by an insured. Personal effects do not include tools, equipment, jewelry, money or securities. • New Vehicle Replacement Cost New Vehicle purchase price cost is not included as part of your new policy. • Newly Formed or Acquired Subsidiaries This coverage now includes limited liability company's (LLC's) which represents a broadening in s language. However, coverage is now limited to only newly acquired or formed entities for a period " of ninety (90) days after formation. When the insured purchases or forms a new entity, the entity should be disclosed to Liberty Mutual within ninety (90) days. • Additional Insured by Contract, Agreement or Permit The coverage now specifies that a written contract or written agreement must be in place for additional insured status to be granted. It also requires the insured to submit a claim to the addi- tional insured's insurer if the insured has not agreed in writing to be primary and non-contributing. • Waiver of Transfer of Rights of Recovery Against Others to Us This coverage now requires the insured to have expressly waived the right to subrogation in a written contract or written agreement. • Extended Cancellation Condition The extended cancellation condition is being removed - Please contact your agent for information on adding this condition on your policy. Broad Form Insured a This coverage is now limited to newly acquired or formed entities, other than partnerships or join ventures, for a period of 90 days after acquisition or formation. CA 72 4212 08 - Safeco Optimum Package If your policy previously included this endorsement, the following coverages will no longer be provided: • Diminishing Deductible; • Waiver of Adjustment for Depreciation; • Emergency Expenses; and • Electronic Lock and Key Replacement. The following coverage can be included if requested. Contact your agent for additional information. Original Equipment and Manufactured Parts CA 7120 05 98 - Waiver of Collision Deductible This endorsement is being discontinued. If you do not have AC 85 43 06 18 - California Business Auto Coverage Enhancement Endorsement on your policy, you will have a collision deductible regardless of the type of vehicle or if the other "auto" involved in the collision is insured by Safeco Insurance Company of America or any of its affiliated companies. Rime Mrxnagment DMsinn REVIEWED&APPROVED By: R. MA44d 18, ® Risk Management Analyst ® 2018 Liberty Mutual Insurance CNA 04 01 06 18 Includes copyrighted material of Insurance Services Office, Inc., with its permission.