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If other valid and collectible insurance is available to any insured for a loss we cover under Business Liability Coverage, our obligations are limited as follows: a. The insurance provided under this policy is primary if you are required by a written "insured contract" to include any person or organization as an insured, but only with respect to that insured's liability arising out of the ownership, maintenance, or use of that part of the premises owned by or rented to you, or "your work" for that insured by or for you. Any other insurance available to that person or organization is excess and noncontributory with this insurance, or; b. Except for the circumstance described in 2.a., above, the insurance provided under this policy is excess over any other liability insurance available to any insured whether such other insurance is written as primary, excess, contingent or any other basis. An exception applies when any insured specifically has purchased excess insurance to apply in excess of the limits of insurance shown in the Declarations for Business Liability Coverage. 19. Damage to Invitees' Automobiles from Falling Trees or Tree Limbs - Limited Coverage The policy applies to direct physical damage to automobiles owned by invitees subject to all of the following: 1. Provided such damage originates from premises owned, managed, leased or rented by an insured; 2. Coverage applies only to invitees of an insured or an insured's tenant; 3. Such damage is directly caused by wind-driven falling trees or tree limbs; 4. The most we will pay for any one loss is the lowest of: a. the actual cash value of the damaged automobile as of the time of the loss;or b. the cost of repairing the damaged automobile; or c. the cost of replacing the damaged automobile with another automobile of like kind and quality. Regardless of the number of occurrences, losses or claims, this coverage is subject to a limit of $25,000 in any one policy period; 5. This coverage is not subject to the General Liability General Aggregate Limit;and 6. We will make payments under this coverage without regard to fault. 20. Section II — Liability, B. Exclusions, 1. Applicable to Business Liability Coverage, a. Expected or Intended Injury, is deleted and replaced with the following: a. Expected or Intended Injury "Bodily injury" or"property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property. All other terms and conditions of this policy shall remain unchanged. SB9189 04-17 Copyright©2017 Allianz Global Risks US Insurance Company.All rights reserved. Page 8 of 8 APPROVED By Cynthia Mora at 10:22 am, Dec 04, 2024