2014-466-E AMS - Tile Restoration, Inc. for WHSC initial sealing process $4,580

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EpdvTjho!Fo4 rpgf!,E;!B63G1C35.9141.51 EG9:37.4G1 4323BDl 35 other valid and collectible insurance available to We will also cover loss of use of the hired"auto" the additional insured shall be non-contributory if it results from an "accident",you are legally li- with this insurance. If the written contract does able and the lessor incurs an actual financial not require this coverage to be primary and the loss, subject to a maximum of $1,000 per "acci- additional insured's coverage to be non- dent". contributory, then this insurance will be excess This extension of coverage does not apply to over any other valid and collectible insurance any "auto" you hire or borrow from any of your available to the additional insured. "employees", partners (if you are a partnership), members (if you are a limited liability company), 3. AUTOS RENTED BY EMPLOYEES or members of their households. Any "auto" hired or rented by your "employee" 6. PHYSICAL DAMAGE — ADDITIONAL on your behalf and at your direction will be con- TEMPORARY TRANSPORTATION EXPENSE sidered an "auto"you hire. COVERAGE The OTHER INSURANCE Condition is amended Paragraph A.4.a. of SECTION III — PHYSICAL by adding the following: DAMAGE COVERAGE is amended to provide a If an "employee's" personal insurance also ap- limit of $75 per day and a maximum limit of plies on an excess basis to a covered "auto" $2,250. hired or rented by your "employee" on your be- half and at your direction, this insurance will be 7. EXTRA EXPENSE—BROADENED COVERAGE primary to the "employee's"personal insurance. Under paragraph A. of SECTION III — 4. AMENDED FELLOW EMPLOYEE EXCLUSION PHYSICAL DAMAGE COVERAGE, the following Coverage is added: EXCLUSION 5. - FELLOW EMPLOYEE of We will pay for the expense of returning a stolen SECTION II - LIABILITY COVERAGE does not covered "auto" to you subject to Paragraph C. apply if you have workers' compensation insur- Limit of Insurance ance in force covering all of your "employees". Coverage is excess over any other collectible in- 8. LEASE GAP COVERAGE surance. Under SECTION III - PHYSICAL DAMAGE COVERAGE, if a long-term leased "auto" is a 5. HIRED AUTO PHYSICAL DAMAGE COVERAGE covered "auto" and the lessor is named as an If hired "autos" are covered "autos" for Liability Additional Insured - Lessor, we will pay in the Coverage and if Comprehensive, Specified event of a total "loss" your additional legal obli- Causes of Loss, or Collision coverages are pro- gation to the lessor for any difference between vided under this Coverage Form for any "auto" the actual cash value of the "auto" at the time of you own, then the Physical Damage Coverages the "loss" and the "outstanding balance" of the provided are extended to "autos" you hire or lease. borrow, subject to the following limit. The most "Outstanding balance" means the amount you we will pay for "loss" to any hired "auto"is: (1) $50,000; owe on the lease at the time of "loss" less any (2) The actual cash value of the damaged amounts representing taxes; overdue payments; or stolen property at the time of the penalties, interest or charges resulting from "loss";or overdue payments; additional mileage charges; (3) The cost of repairing or replacing the excess wear and tear charges; lease termination damaged or stolen property, fees. whichever is smallest, minus a deductible. The deductible will be equal to the largest deductible 9. AIRBAG COVERAGE applicable to any owned "auto" for that cover- Under Paragraph B. EXCLUSIONS of SECTION age. No deductible applies to "loss" caused by III - PHYSICAL DAMAGE COVERAGE, the fol- fire or lightning. Hired Auto Physical Damage lowing is added: coverage is excess over any other collectible in- The exclusion relating to mechanical breakdown surance. Subject to the above limit, deductible does not apply to the accidental discharge of an and excess provisions, we will provide coverage air bag. equal to the broadest coverage applicable to any covered "auto"you own. 64 87221012 Includes Copyrighted materials by © ISO Properties, Inc. Page 2 of 3 INSURED COPY