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THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. COMMERCIAL PROTECTOR @ LIABILITY EXTENSION ENDORSEMENT This endorsement modifies insurance provided under the following: COMMERCIAL PROTECTOR OO COVERAGE FORM (BUSINESSOWNERS COVERAGE FORM) SECTION II - LIABILITY is amended as follows: A. Coverage Extension - Supplementary Payments 1. Provision f,(1)(b) of Paragraph 1, Business Liability under Section A. Coverages is amended as follows: (b) Up to $2500 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which Business Liability Coverage for "bodily injury" applies. We do not have to furnish these bonds. 2. Provision f.(1)(d) of Paragraph 1. Business Liability under Section A. Coverages is amended as follows: (d) All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $300 a day because of time off from work. Medical Expenses - Extensions 1. Provision a. of Paragraph 2. Medical Expenses under Section A. Coverages is replaced by the following: a. We will pay for medical expenses as described below for "bodily injury" caused by an accident: (1) On premises you own or rent, (2) On ways next to premises you own or rent; or (3) Because of your operations; Provided that: (a) The accident takes place in the "coverage territory" and during the policy period; (b) The expenses are incurred and reported to us within three years of the date of the accident; and (c) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. 2. Paragraph 2. of Section D. Liability And Medical Expenses Limits Of Insurance is replaced by the following: 2. The most we will pay for the sum of all damages because of all: a. "Bodily injury", "property damage" and medical expenses arising out of any one "occurrence"; and b. "Personal and advertising injury" sustained by any one person or organization. is the Liability and Medical Expenses limit shown in the Declarations. But the most we will pay for all medical expenses because of "bodily injury" sustained by any one person is the greater of $15,000 or the Medical Expense limit shown in the Declarations. C. Damage by Fire, Lightning, Explosion, Smoke or Leakage 1. The final sentence of Paragraph 1. of Section B. Exclusions is amended as follows: Exclusions c., d., e., f., g., h., i., k., I., m., n. and o, in SECTION II - LIABILITY do not apply to premises while rented to you, or temporarily occupied by you with permission of the owner provided that the damage Is caused by one of the following; fire, lightning, explosion, smoke or leakage from automatic fire protection systems. A separate Limit of Insurance applies to this coverage as described in D. Liability And Medical Expenses Limits Of Insurance. APPROVED A,, TO porjT,?t 44-148 (06104) -------- ? Page 1 of 3 1_IS.A e. sTOftch- n ?.?,} 'Assistant Cih, ,, _