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COMMERCIAL AUTO AC 70 06 03 16 (a) The time required to resume must be caused by a cause of loss listed your normal business opera- under item A1 of Physical Damage Cover- tions;or age in this Coverage Part. Extra Expenses means those expenses you incur to avoid or (b) The time that is reasonably minimize the suspension of business and to necessary to repair or replace continue your business operations.the covered autowitha maxi- mum time period of 180 days. 3.Additional Conditions Period of Restoration does not We will not pay for “loss” or expenses include any increased period caused by suspension, lapse or cancellation required due to the enforcement of any license, lease or contract. But if the of any ordinance or law that re- suspension, lapse or cancellation is directly quires any insured or others to caused by the suspension of your business, test for, monitor, clean up, re- we will cover such “loss” that affects your move, contain, treat, detoxify or business income. We will not pay under this neutralize or in any way respond coverage if you do not repair or replace the to or assess the effects of pollu- covered “auto”.You must resume all or part tants. The expiration date of this of your business as quickly as possible. If policy will not cut short the peri- you have other autos you can use to reduce od of restoration. the amount of loss payable under this cov- V. TRANSFER OF RIGHTS OF RECOVERY erage, you are required to use them. We will AGAINST OTHERS TO US pay for expenses you incur to reduce the amount that otherwise would have been The following is added to theTransfer Of Rights payable under this coverage. We will not Of Recovery Against Others To Us Condition: pay more than the amount by which you ac- We waive any right of recovery we may tually reduce the business income loss or have against any person or organization to extra expense incurred. the extent required of you by a written con- 4.Limit tract executed prior to any “accident” be- cause of payments we make for damages The most we will pay for “loss” arising out of under this coverage form. one covered “auto” is $10,000per loss with an annual aggregate of $20,000. Payment W. NOTICE OF AND KNOWLEDGE OF applies in addition to the otherwise applica- OCCURRENCE ble amount of each coverageyou have on a SECTION IV – BUSINESS AUTO covered “auto”. CONDITIONS, Paragraph A isamended as 5.Definitions follows: a."Business Income" means the: 6.NOTICEOFANDKNOWLEDGEOF 1.).Netincome (Net profit or loss before OCCURRENCE income taxes) that would havebeen a.YourobligationintheDutiesintheEvent earned or incurred if no losswould of Accident,Claim,SuitorLossCondi- have occurred; and tionrelativetonotification require- 2.). Continuing normal operating mentsappliesonlywhenthe“accident” expensesincurred, including payroll. or“loss”isknownto: b. ”Periodof Restoration" means the (1)You,if youareanindividual; periodof time that: (2)A partner,if youare a partnership; 1.).Begins: (3)A member, ifyou area limited liability (a) 24 hours after the time ofloss company; or for Business Income Coverage; (4)An executive officer or insurance or manager, if you are a corporation. (b) Immediately after the time of b.Your obligation in the.Duties inthe Event loss for Extra Expense ofAccident, Claim, Suit or Loss Condition Coverage;and relativetoprovidinguswithdocuments 2.)Ends at the earliest of: concerning a claimor“suit”willnotbe Page 6 of 7 Includes copyrighted material of Insurance Services Office, Inc. AC 70 06 03 16 with its permission