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<br />x <br /> <br />THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. <br /> <br />HIRED AUTO AND NON-OWNED AUTO <br /> <br />This endorsement modifies insurance provided under the following: <br /> <br />BUSINESS LIABILITY COVERAGE FORM <br /> <br />A. Under B., EXCLUSIONS, 1. Applicable to <br />Business Liability Coverage, exclusion g. does <br />not apply to any "auto" that is a "non-owned auto". <br /> <br />A "non-owned auto" is an "auto" you do not own <br />including but not limited to: <br /> <br />1. An "auto" that you lease, hire, rent or borrow; <br /> <br />2. A customer's "auto" that is in your care, custody <br />or control for service; and <br /> <br />3. An "employee's" "auto" while used in your <br />business or personal affairs. <br /> <br />This does not include a iong-term leased "auto" that <br />you insure as an owned "auto" under any other auto <br />liability insurance policy or a temporary substitute for <br />an "auto" you own that is out of service because of <br />its breakdown, repair, servicing or destruction. <br /> <br />This includes "autos" owned by your "employees" or <br />partners or members of their households but only <br />while used in your business or your personal affairs. <br /> <br />B. With respect to the operation of a "non-owned auto", <br />WHO IS AN INSURED is replaced by the following: <br /> <br />The following are "insureds": <br /> <br />a. You. <br /> <br />b. Your "employee" while using with your <br />permission: <br /> <br />(1) An "auto" you hire or borrow; or <br /> <br />(2) An "auto" you don.t own, hire or borrow in <br />your business or personal affairs; or <br /> <br />(3) An "auto" hired or rented by your "employee" <br />on your behalf and at your direction. <br /> <br />c. Anyone else while using with your permission a <br />"non-owned auto" except: <br /> <br />(1) The owner or anyone else from whom you <br />hire or borrow a "non-owned auto". <br /> <br />Form SS 04 38 03 00 <br /> <br />(2) Someone using a "non-owned auto" while <br />he or she is working in a business of selling, <br />servicing, repairing, parking or storing <br />"autos" unless that business is yours. <br /> <br />(3) Anyone other than your "employees", <br />partners, a iessee or borrower or any of <br />their "employees", while moving property to <br />or from a "non-owned auto". <br /> <br />(4) A partner of yours for a "non-owned auto" <br />owned by him or her or a member of his or <br />her household. <br /> <br />d. Anyone liable for the conduct of an "insured" <br />described above but only to the extent of that <br />liability. <br /> <br />C. With respect to the operation of a "non-owned auto": <br /> <br />1. B. EXCLUSIONS, 1.e. does not apply to "bodily <br />injury" to domestic "employees" not entitled to <br />workers' compensation benefits or to liability <br />assumed by the "insured" under an "insured <br />contract" . <br /> <br />2. B. EXCLUSIONS, 1.1. is replaced by the <br />following: <br /> <br />"Bodily injury" or "property damage" arising out <br />of the actual, alleged or threatened discharge, <br />dispersal, seepage, migration, release or <br />escape of "pollutants": <br /> <br />a. That are, or that are contained in any <br />property that is: <br /> <br />(1) Being transported or towed by, handled, <br />or handled for movement into, onto or <br />from, the covered "auto"; <br /> <br />(2) Otherwise in the course of transit by or <br />on behalf of the "insured"; or <br /> <br />(3) Being stored, disposed of, treated or <br />processed in or upon the covered <br />"auto", <br /> <br />RevIewed end Clpproved as to Insurance longue;. <br />and/or requirements. <br /> <br />.....f.Ib:>-J_I!~__~L~!9._L__page <br />Rir.k Mon::ipemcrtt <br /> <br />1 of 2 <br /> <br />@2000, The Hartford <br />