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A. Temporary Substitute Auto Physical Damage <br />SECTION I — COVERED AUTOS, C. Certain Trailers, Mobile Equipment And Temporary Substitute <br />Autos is changed by adding the following: <br />If Physical Damage coverage is provided by this Coverage Form, the following types of vehicles are also <br />covered "autos" for Physical Damage coverage: <br />1. Any "auto" you do not own while used with the permission of its owner as a temporary substitute for <br />a covered "auto" you own that is out of service because of its: <br />a. Breakdown; <br />b. Repair; <br />C. Servicing; <br />d. "Loss"; or <br />e. Destruction. <br />B. Who Is An Insured <br />SECTION II — COVERED AUTOS LIABILITY COVERAGE, A. Coverage, 1. Who Is An Insured is <br />changed by adding the following: <br />1. Broad Form Insured <br />For any covered "auto", any subsidiary, affiliate or organization, other than a partnership or joint <br />venture, as may now exist or hereafter be constituted over which you assume active management <br />or maintain ownership or majority interest, provided that you notify us within ninety (90) days from <br />the date that any such subsidiary or affiliate is acquired or formed and that there is no similar <br />insurance available to that organization. However, coverage does not apply to "bodily injury" or <br />"property damage" that occurred before you acquired or formed the organization. <br />2. Employees As Insureds <br />Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow, <br />in your business or your personal affairs. <br />3. Additional Insured By Contract, Agreement Or Permit <br />Any person or organization with whom you have agreed in writing in a contract, agreement or <br />permit, to provide insurance such as is provided under this policy, provided that the "bodily injury" <br />or "property damage" occurs subsequent to the execution of the written contract, agreement or <br />permit. <br />4. Employee Hired Autos <br />An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or <br />agreement in that "employee's" name, with your permission, while performing duties related to the <br />conduct of your business. <br />orz,N�F RiskMougementDMsian <br />r' REVIEWED & APPROVED BY. <br />x <br />XIC 421 1013 © 2013 X.L. America, Inc. All Rights Reserved. ®Wl Risk Management Specialist <br />May not be copied without permission. <br />Includes copyrighted material of Insurance Services Office, Inc., with its permission. <br />