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3 (2) If the Limits of Insurance of any other Insurance policy have been exhausted; or (3) To "bodily Injury" or "properly damage" that occurred before you acqulmd or formed the organization. 2. EMPLOYEES AS INSUREDS SECTION II - LIABILITY COVERAGE, Paragraph A.I. - WHO IS AN INSURED is amended to Include the fallowing as an Insured: L Any "employee" of yours while using a covered "auto' you do not own, hire or borrow, but only far acts within the scope of their employment by you. Insurance provided by this endorse- ment is excess over any other Insurance available to any 'employee". g. An "employee" of yours while operating an 'auto" hlmd or borrowed under a written contract or agreement In that "employes'a" name, with your permission, while performing duties re- lated to the conduct of your business and within the scope of their employment, Insurance provided by this endorsement Is excess over any other insurance available to the 'amployea". 3. ADDITIONAL INSURED SY CONTRACT, AGREEMENT OR PERMT SECTION II - LIABILITY COVERAGE, paragraph A.I. - WHO IS AN INSURED Is emended to Include the following as an Insured: In. Any person or organization with respect to the operation, maintenance or use at a covered "auto", provided that you and such person or organization have agreed In a written contract, agreement, or permit Issued to you by governmental or public authority, to add such person, or organization, or governmental or public authority to this policy as an "Insured'. However, such person or organization Is an "Insured': (1) Only with respect to the operation, maintenance or use of a covered "auto'; (2) Only for "bodily Injury" or "property damage" caused by an "accident" which takes place after you executed the written contract or agreement, or the permit has been Issued to you; and (3) Only for the duration of that contract, agreement or permit 4. SUPPLEMENTARY PAYMENTS SECTION II - LIABILITY COVERAGE, Coverage Extensions, 2.a, Supplementary Payments, para- graphs (2) and (4) are replaced by the following: (2) Up to $3,000 for cost of bell bonds (Including bonds for related traffic violations ) required because of an "aocklemP we cover. We do not have to furnish these bonds. (4) All reasonable expenses Incurred by the Insured at our request, including actual loss of earn - Inge up to $500 a day because of lime off from work. 5. AMENDED FELLOW EMPLOYEE EXCLUSION In those jurisdictions where, by law, fellow employees are riot entitled to the protection afforded to the employer by the workers compensatlon exclusivity rule, or similar protection, the following provision Is added: SECTION ti - LIABILITY, exclusion B.S. FELLOW EMPLOYEE does not apply If the "bodily Injury" results from the use of a covered "auto" you own or hire. SECTION III -PHYSICAL DAMAGE COVERAGE Is amended as follows; S. HIRED AUTO PHYSICAL DAMAGE Paragraph A.4. Coverage Extensions of SECTION III - PHYSICAL DAMAGE COVERAGE, Is amended by adding the following: If hired "autos" are covered "autce" for Liability Coverage, and If Comprehensive, Specified Causes o; Loss or Colllsicn coverage are provided under the Business Auto Coverage Form for arty "auto" you own, than the Physical Damage coverages provided are extended to "autos": a. You hire, rent or borrow; or 0 20131.1berly Mutual Insurance CA 00 10 0113 Includes copyrighted mafedal of Insurance Services Office, Imo., with Its permission. Page 2 of 7