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(2) Any covered "auto"hired or rented <br /> by your "employee" under a <br /> contract in that individual <br /> "employee's"name, with your <br /> permission, while performing <br /> duties related to the conduct of <br /> your business. <br /> However, any"auto"that is leased, hired, <br /> rented or borrowed with a driver is not a <br /> covered "auto". <br /> S. Unintentional Failure To Disclose <br /> Hazards <br /> Paragraph B.General Conditions under <br /> SECTION IV—BUSINESS AUTO CONDI- <br /> TIONS is amended to add: <br /> 9. Your failure to disclose all hazards <br /> existing as of the inception date of this <br /> policy shall not prejudice the coverage <br /> afforded by this policy, provided that <br /> such failure to disclose all hazards is not <br /> intentional. However, you must report <br /> such previously undisclosed hazards to <br /> us as soon as practicable after its <br /> discovery. <br /> T. Additional Definition <br /> SECTION V—DEFINITIONS is amended to <br /> add: <br /> "Personal effects" means personal <br /> property owned by the "insured". <br /> "Downtime loss"means actual loss of <br /> "business income"for the period of time <br /> that a covered "auto": <br /> 1. Is out of service for repair or <br /> replacement as a result of a covered <br /> physical damage"loss" and <br /> 2. Is in the custody of a repair facility if <br /> not a total"loss". <br /> "Business Income" means: <br /> 1. Net Income (Net Profit or Loss <br /> before income taxes)that would <br /> have been earned or incurred; and <br /> 2. Continuing normal operating <br /> expenses incurred, including payroll. <br /> In this endorsement, Headings and Titles <br /> are inserted solely for the convenience and <br /> ease of reference. They do not affect the <br /> coverage provided by this endorsement, <br /> nor do they constitute any part of the terms <br /> and conditions of this endorsement. All <br /> other policy wording not specifically <br /> changed, modified, or replaced by this <br /> endorsement wording remains in effect. <br /> CA990187 0715 Includes Copyrighted Material of Insurance Services Offices, Inc. Page 5 of 5 <br /> Used with permission <br /> I <br />