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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ R CAREFULLY. <br />COMMERCIAL AUTOMOBILE BROAD FORM ENDORSEMENT <br />This endorsement modifies insurance provided under the following: <br />To the extent that the provisions of this endorsement provide broader benefits to the "insured" than other provisions of the <br />Coverage Form, the provisions of this endorsement apply. <br />1. BROAD FORM INSURED <br />A Subsidiaries and Newly Acquired or Formed <br />Organaations <br />The Named Insured shown in the Declarations is <br />amended to include: <br />(1) Any legally incorporated subsidiary in which you <br />awn more than 50% of the voting stock on the <br />effective date of the Coverage Form. However, <br />the Named Insured does not include any <br />subsidiary that is an "insured" under any other <br />automobile policy or would be an 'insured" <br />under such a policy but for its termination or the <br />exhaustion of its Limit of Insurance. <br />(2) Any organization that is acquired or formed by <br />you and over which you maintain majority <br />ownership. However, the Named Insured does <br />not include any newly formed or acquired <br />organization: <br />(a) That is a partnership, joint venture or <br />limited liability company <br />(b) That is an 'insured" under any other policy, <br />(c) That has exhausted its Limit of Insurance <br />under any other policy, or <br />(d) 180 days or more after its acquisition or <br />formation by you, unless you have given us <br />notice of the acquisition or formation. <br />Coverage does not apply to "bodily injury' or <br />"property damage" that results from an <br />"accident" that occurred before you formed or <br />acquired the organization. <br />Thy <br />B. Employees as Insureds <br />Paragraph Al - WHO IS AN INSURED - of <br />SECTION II - LIABILITY COVERAGE is amended to <br />add: <br />d. Any "ernployee" of yours while using a covered <br />"auto" you don't own, hire or borrow in your <br />business or your personal affairs. <br />C. Lessors as Insureds <br />Paragraph A.1 - WHO IS AN INSURED - of Section <br />II - Liability Coverage is amended to add: <br />e. The lessor of a covered "auto" while the "auto" <br />is leased to you under a written agreement if.. <br />(1) The agreement requires you to provide <br />direct primary insurance for the lessor and <br />(2) The "auto" is leased without a driver. <br />Such a leased "auto" will be considered a covered <br />"auto" you own and not a covered "auto" you hire. <br />2. AUTOS RENTED BY EMPLOYEES <br />Any "auto" hired or rented by your "employee" on your <br />behalf and at your direction will be considered an "auto" <br />you hire. <br />The OTHER INSURANCE Condition is amended by <br />adding the following: <br />If an "employee's" personal insurance also applies on an <br />excess basis to a covered "auto" hired or rented by your <br />"ernployee" on your behalf and at your direction, this <br />insurance will be primary to the "employee's" personal <br />insurance. <br />Form HA 99161299 Page 1 of 3 <br />©1999, The Hartford <br />(Includes copyrighted material of Insurance Services Office, Inc. <br />with its permission. Copyright, Insurance Services Office, Inc., 1997) <br />