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Coverage under this provision d. does not apply to "bodlty Injury' or "property damage' that occurred before you acquired or formed the organization. 2. EMPLOYEES AS INSUREDS SECTION II - LIABILITY COVERAGE, Paragraph A.1. Who Is An Insured is amended to include the following as an "Insured e. Any "employee" of yours while using a covered 'auto" you do not own, hire or borrow but only for acts within the scope of their employment by you. Insurance provided by this endorsement Is excess over any other Insurance available to any "employee', f. Any "employee` of yours while operating an'auto' hired or borrowed under a written contract or agreement In that "employee's' name, with your permission, while performing duties related to the conduct of your business and within the scope of their employment. Insurance provided by this endorsement Is excess over any other insurance available to the "employee". 3. ADDITIONAL INSURED BY CONTRACT, AGREEMENT OR PERMIT IBM SECTION 11 - LIABILITY COVERAGE, Paragraph A.I. Who is An Insured Is emended to Include the am following asan'insured'; It. Any person or organization with respect to the operation, maintenance or use of a covered 'auto", provided that you and such person or organization have spread In a written contract, written agreement, or permit issued to you by governmental or public authority, to add such person, or organization, or governmental or public authority to this policy as an'insured". However, such parson or organization Is an'insured': 1111111111110 (1) Only with respect to the operation, maintenance of use of a covered "auto"; (2) Only for "bodily Injury" or 'property damage" caused by an "accident" which takes ptaos after you executed the written contract or written agreement, or the permit has been Issued to you: and 7 (3) Only for the duration of that contract, agreement or permit. The 'insured" is required to submit a claim to any other Insurer to which coverage could apply for defense and Indemnity. Unless the "insured" has agreed In writing to primary noncontributory wording per enhancement number 24, thla pollW Is excess over any other collectible insurance. 4. SUPPLEMENTARY PAYMENTS SECTION 11 - LIABILITY COVERAGE, Coverage Extensions, 2.a. Supplementary Payments, Paragraphs (2) and (4) are replaced by the following: (2) Up to $3,000 for coat of bail bonds (Including bonds for related traffic violations ) required because of an "accident" we cover. We do not have to furnish these bonds. (4) All reasonable expenses Incurred by the 'Insured" at our request, Including actual lose of earnings up to $500 a day because of time off from work, s 5. AMENDED FELLOW EMPLOYEE EXCLUSION ' in those Jurisdictions where, by law, follow "employeaa" are not entitled to the protection afforded to the employer by the workers compensation exclusivity rule, or similar protection, the following provi- sion Is added: SECTION II - LIABILITY, Exclusion B.S. Fellow Employee does not apply B the "bodily Injury" results from the use of a covered "auto' you own or hire If you have workers compensation Insurance in force for all of your 'employees" at the time of "loss'. This coverage is excess over any other collectible Insurance. SECTION III - PHYSICAL DAMAGE COVERAGE Is amended as follows: & HIRED AUTO PHYSICAL DAMAGE Paragraph AA. Coverage Extensions of SECTION III • PHYSICAL DAMAGE COVERAGE, Is amended by adding the following: If hired "autos" are covered 'autos' for Liability Coverage, and If Comprehensive, Specified Causes of Lase Or Collision coverage are provided under the Business Auto Coverage Form for any 'auto' you awn, then the Physical Damage coverages provided are extended to "autca": 10 20181.1bedy Wusl Insursnos AC 85 43 06 18 Includes copyrighted material of InsuranceServloes Circe, inc, YWh Its permleelo ,.._�..� s' .ems I, / t Z�qwm_ Risk MowgonentDiMlon REVIEWED&APPROVED BY. Risk Management Malyst