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C'NA SBEd 01/08) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. HIRED AUTO PHYSICAL DAMAGE COVERAGE ENDORSEMENT This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY COVERAGE FORM The following provisions of this endorsement apply only as respects Hired Auto Physical Damage Coverage. All other terms and conditions remain unchanged. 1. The following is added to Section A.Coverages, d. We will not pay for"loss'to any of the following: 3. Hired Auto Physical Damage (1) Tape decks or other sound producing We will pay for "loss" to a covered "hired auto" or its equipment f unless permanently installed in equipment from any cause, hired auto"; We will also cover loss of use of a covered"hired auto" (2) Tapes, records, disks or other similar audio if it results from an accident, you or your visual or data electronic devices designed for "employea'are legally liable, and the lessor incurs an use with audio, visual or data electronic actual financial loss, subject to a maximum of $1,000 equipment' per accident. (3) Sound receiving equipment designed for use II. The following is added to Section B.Exclusions; as a citizens' band radio, two-way mobile radio or telephone or scanning monitor 4. Applicable to Hired Auto Physical Damage receiver, including Its antennas and other Coverage accessories, unless permanently installed in We will not pay for "loss" caused by or resulting from the dash or console opening normally used by the hired auto manufacturer for the any of the following. Such "loss" is excluded installation of a radio; or regardless of any other cause or event that contributes concurrently or in any sequence to the "loss," (4) Equipment designed or used for the detection a. Nuclear Hazard or location of radar. e, We will not pay for "loss" caused by or resulting (1) The explosion of any weapon employing from any of the following unless caused by other atomic fission or fusion; or "loss'that is covered by this insurance: N (2) Nuclear reaction or radiation, or radioactive (1) Wear and tear, freezing, mechanical or contamination, however caused. electrical breakdown; or b. War or Military Action (2) Blowouts, punctures or other road damage to (1) War, including undeclared or civil war; tires. (2) Warlike action by a military force, including III. Section C.Who Is An Insured does not apply. action in hindering or defending against an IV. Section D. Liability And Medical Expenses Limits of actual or expected attack, by any government, Insurance is deleted in its entirety and replaced with sovereign or other authority using military the following. personnel or other agents; or D. Limits of Insurance (3) Insurrection, rebellion, revolution, usurped power or action taken by governmental The most we will pay for 'loss" in any one authority in hindering or defending against any accident is the lesser of: of these. 1. The actual cash value of the damaged or c. We will not pay for "loss' to any covered "hired stolen property as of the time of the'loss'; auto' while used in professional or organized 2. The cost of repairing or replacing the racing or demolition contest or stunting activity, or damaged or stolen property with other while practicing for such a contest or activity. We property of like kind and quality; or will also not pay for "loss" to any covered 'hired auto" while that covered "hired auto" is being 3. $75,000, prepared for such a contest or activity. SB-300146-B Page 1 of 3 (Ed. 01/08)