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No deductible applies to glass damage if the glass is repaired rather than replaced. 15. TWO OR MORE DEDUCTIBLES Paragraph D. — DEDUCTIBLE — of SECTION III — PHYSICAL DAMAGE COVERAGE is amended to add the following: If this Coverage Form and any other Coverage Form or policy issued to you by us that is not an automobile policy or Coverage Form applies to the same"accident",the following applies: (1) If the deductible under this Business Auto Coverage Form is the smaller (or smallest) deductible, it will be waived; or (2) If the deductible under this Business Auto Coverage Form is not the smaller(or smallest) deductible,it will be reduced by the amount of the smaller(or smallest)deductible. 16. AMENDED DUTIES IN THE EVENT OF ACCIDENT, CLAIM,SUIT OR LOSS Paragraph A.2.a. — DUTIES IN THE EVENT OF ACCIDENT, CLAIM, SUIT OR LOSS of SECTION IV — BUSINESS AUTO CONDITIONS is deleted and replaced with the following: a. In the event of"accident", claim, "suit"or"loss",you must promptly notify us when the"accident"is known to: 1. You or your authorized representative,if you are an individual; 2. A partner,or any authorized representative; if you are a partnership; 3. A member,if you are a limited liability company; or 4. An executive officer, insurance manager, or authorized representative, if you are an organization other than a partnership or limited liability company. Knowledge of an "accident", claim, "suit" or "loss" by other persons does not imply that the persons listed above have such knowledge. Notice to us should include: (a) How,when and where the"accident"or"loss"occurred; (b) The insured's name and address; and (c) To the extent possible,the names and addresses of any injured persons or witnesses. 17. WAIVER OF SUBROGATION Paragraph A.5. — TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US of SECTION IV — BUSINESS AUTO CONDITIONS is 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 their rights of recovery against such person or organization in a written contract or agreement that is executed before such"loss". To the extent that the"insured's" rights to recover damages for all or part of any payment made under this insurance has not been waived, those rights are transferred to us. That person or organization must do everything necessary to secure our rights and must do nothing after"accident" or"loss"to impair them.At our request,the insured will bring suit or transfer those rights to us and help us enforce them. 18. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS Paragraph B.2. — CONCEALMENT, MISREPRESENTATION OR FRAUD of SECTION IV— BUSINESS AUTO CONDITIONS—is deleted and replaced with the following: If you unintentionally fail to disclose any hazards existing at the inception date of your policy,we will not void coverage under this Coverage Form because of such failure. i9. AUTOS RENTED BY EMPLOYEES Paragraph B.5.—OTHER INSURANCE of SECTION IV—BUSINESS AUTO CONDITIONS—is amended to add the following: Form: 16-02-0292(Ed.4-25) Page 5 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission.