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a. <br />S. <br />AMENDED FELLOW EMPLOYEE EXCLUSION <br />EXCLUSION 5. - FELLOW EMPLOYEE - of <br />SECTION II -LIABILITY COVERAGE does not <br />apply If you have workers' cornpensallon <br />insurance in-force covering all of your <br />"employees". <br />Coverage is excess over any other collectible <br />Insurance-. <br />HIRED AUTO PHYSICAL DAMAGE COVERAGE <br />if hired "autos" are covered "autos" for Liability <br />Coverage and if Comprehensive, Spedfted <br />Causes of Loss, or Colllslon coverages era <br />provided under this Coverage Form for any "auto' <br />yotr own, then the Physical Damage Coverages <br />provided are extended to "autos" yotr hire or <br />borrow, subject to the following limit. <br />The most Wa WiU pay for "loss" to any hired "auto" <br />is: <br />(1) $50,000; <br />(2) The actual cash value of the damaged or <br />stolen property at the time of itte "loss"; or <br />(3) The cost of repairing or replacing the <br />damaged or stolen properly, <br />whichever Is smallest, tnlnus a deductible. The <br />deductible will be equal to the largest deductible <br />applicable (o any owned "auto" for llzat coverage. <br />No deductible applies to "toss" caused by fire or <br />lightning. Hired Atrto Physical Damage coverage <br />is excess over any other collectible insurance. <br />Subject to tl?e above Ilrrrlt, dedrrcdbte and excess <br />provisions, we will provide coverage equal to the <br />broadest coverage applicable to any covered <br />"auto" you own. <br />We will also cover loss of use of the hired "auto" If <br />it results from an "accident", you are legally liable <br />and the lessor Incurs an actual fiuandal loss, <br />subject to a maxlrnum of $i 000 per "accident'. <br />This extension of coverage does not apply to any <br />"auto" you hire or borrow from any of your <br />"employees^, partners pf you are a partnership), <br />members (tf you are a Ilrnlted liability company), <br />or members of their households. <br />PHYSICAL DAMAGE -ADDITIONAL <br />TEMPORARY TRANSPORTATION EXPENSE <br />COVERAGE <br />Paragraph A.4.a. of SECTION III - PHYSICAL <br />DAMAGE COVERAGE is amended to provided a <br />limit of $50 per day and a maximum limit of <br />$i , 000. <br />6. LEASE GAP COVERAGE <br />Under SECTION III - PHYSICAL DAMAGE <br />COVERAGE, If a long-term teased "auto" Is a <br />covered "auto" and the lessor Is Hamad in the <br />policy as a Loss Payee, vre wFll pay In the event <br />of a total "loss" your additional legal obligation to <br />the lessor for any difference behveen the actual <br />cash value of the "auto" at the time of the "loss" <br />and the "outstanding balance" of the tease. <br />"Outstanding balance" means the amount you <br />owe on the lease at itte iirrte of "loss" less any <br />amounts. representing taxes; overdue payments; <br />penalties, Interest or charges resulting .from <br />overdue payments; additional rrdreage charges; <br />excess wear and tear charges; lease termination <br />fees. <br />7. AIRBAG COVERAGE <br />Under Paragraph B. F?CCLUSIONS - of SECTION <br />111 - PHYStCAI DAMAGE COVERAGE, the <br />following Is added: <br />Tha exclusion relating to mechanical breakdown <br />does not apply to the accidental discharge of an <br />airbag. <br />8. SOUND RECEIVING AND TRANSMITTING <br />EQUIPMENT -BROADENED COVERAGE <br />Paragraphs B.4.c. $ d. - EXCLUSIONS - of <br />SECTION III -PHYSICAL DAMAGE COVERAGE <br />do not appty to eyulprnent designed solely for <br />recelviny or Iransrnitiing sound and accessories <br />used with such eytriptnent, provided such <br />ayuipment Is permanently Installed in the covered <br />"auto" at the tlme of the "foss" or such equipment <br />Is removable from a housing unit which is <br />permanently installed In. the covered "auto" at the <br />lime of the "loss", and such equipment Is <br />designed to be solely operated by use of the <br />power from the "auto's" electrical system, in or <br />upon the covered "auto". <br />9. EXTRA EXPENSE -BROADENED COVERAGE <br />Under Paragraph A. -COVERAGE - of SECTION <br />III -PHYSICAL DAMAGE COVERAGE, wo will <br />pay for Iha expense of returning a stolen covered <br />"auto" to you. <br />10. GLA83 REPAIR -WAIVER OF DEDUCTIBLE <br />Under Paragraph D. -DEDUCTIBLE - of SECTION <br />111 - PHYSICAL DAMAGE COVERAGE, the <br />following Is added: <br />No deductible applies to glass damage If the <br />glass is repaired rather than replaced. <br />Form HA 99 18 03 02 Page 2 of 3