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their rights of recovery against such person or Under Paragraph D. - DEDUCTIBLE – of organization under a contract or agreement SECTION III – PHYSICAL DAMAGE COVERAGE that is entered into before such “loss”. the following is added: No deductible applies to glass damage if the glass To the extent that the “insured’s” rights to is repaired rather than replaced. recover damages for all or part of any 11. TWO OR MORE DEDUCTIBLES payment made under this insurance has not Paragraph D.- DEDUCTIBLE – of SECTION III – been waived, those rights are transferred to PHYSICAL DAMAGE COVERAGE is amended to us. That person or organization must do add the following: everything necessary to secure our rights and If this Coverage Form and any other Coverage must do nothing after “accident” or “loss” to Form or policy issued to you by us that is not an impair them. At our request, the insured will automobile policy or Coverage Form applies to the bring suit or transfer those rights to us and same “accident”, the following applies: help us enforce them. 1.If the deductible under this Business Auto Coverage Form is the smaller (or smallest) 14.UNINTENTIONAL FAILURE TO DISCLOSE deductible, it will be waived; or HAZARDS 2.If the deductible under this Business Auto Paragraph B.2. – CONCEALMENT, Coverage Form is not the smaller (or smallest) MISREPRESENTATION or FRAUD of SECTION deductible, it will be reduced by the amount of IV – BUSINESS AUTO CONDITIONS - is deleted the smaller (or smallest) deductible. and replaced with the following: If you unintentionally fail to disclose any hazards 12. AMENDED DUTIES IN THE EVENT OF existing at the inception date of your policy, we will ACCIDENT, CLAIM, SUIT OR LOSS not void coverage under this Coverage Form Paragraph A.2.a. - DUTIES IN THE EVENT OF because of such failure. AN ACCIDENT, CLAIM, SUIT OR LOSS of SECTION IV - BUSINESS AUTO CONDITIONS is 15.AUTOS RENTED BY EMPLOYEES deleted and replaced with the following: Paragraph B.5. - OTHER INSURANCE of a.In the event of “accident”, claim, “suit” or SECTION IV – BUSINESS AUTO CONDITIONS - “loss”, you must promptly notify us when the is amended to add the following: “accident” is known to: e.Any “auto” hired or rented by your “employee” (1)You or your authorized representative, if on your behalf and at your direction will be you are an individual; considered an “auto” you hire. If an (2)A partner, or any authorized “employee’s” personal insurance also applies representative, if you are a partnership; on an excess basis to a covered “auto” hired (3)A member, if you are a limited liability or rented by your “employee” on your behalf company; or and at your direction, this insurance will be (4)An executive officer, insurance manager, primary to the “employee’s” personal or authorized representative, if you are an insurance. organization other than a partnership or 16.HIRED AUTO – COVERAGE TERRITORY limited liability company. Paragraph B.7.b.(5). - POLICY PERIOD, Knowledge of an “accident”, claim, “suit” or COVERAGE TERRITORY of SECTION IV – “loss” by other persons does not imply that the BUSINESS AUTO CONDITIONS is deleted and persons listed above have such knowledge. replaced with the following: Notice to us should include: (5) A covered “auto” of the private passenger (1)How, when and where the “accident” or type is leased, hired, rented or borrowed “loss” occurred; without a driver for a period of 45 days or (2)The “insured’s” name and address; and less; and (3)To the extent possible, the names and 17.RESULTANT MENTAL ANGUISH COVERAGE addresses of any injured persons or Paragraph C. of - SECTION V – DEFINITIONS is witnesses. deleted and replaced by the following: 13.WAIVER OF SUBROGATION “Bodily injury” means bodily injury, sickness or Paragraph A.5. - TRANSFER OF RIGHTS OF disease sustained by any person, including RECOVERY AGAINST OTHERS TO US of mental anguish or death as a result of the “bodily SECTION IV – BUSINESS AUTO CONDITIONS is injury” sustained by that person. deleted and replaced with the following: 5.We will waive the right of recovery we would otherwise have against another person or organization for “loss” to which this insurance applies, provided the “insured” has waived Form: 16-02-0292 (Rev. 11-16)Page 3 of 3 "Includes copyrighted material of Insurance Services Office, Inc. with its permission"