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2 <br />6. any person or organization with whom you agreed in a <br />written contract, written agreement, or written permit to <br />add as an additional insured on your policy is an <br />additional insured. Such person or organization is an <br />additional insured only with respect to your ownership, <br />maintenance or use of an auto we insure. The insurance <br />provided for such additional insureds applies solely to <br />liability arising out of your business operations. This <br />coverage is primary and noncontributory with respect to <br />the additional insured. <br />LIMITATIONS ON OUR DUTY TO PAY <br />What We Do Not Cover – Exclusions <br />Exclusion 5. is deleted and replaced by: <br />5. bodily injury to a fellow employee of anyone we protect <br />arising out of and in the course of employment. <br />This exclusion does not apply if all employees are <br />covered by a Workers Compensation & Employers <br />Liability policy. <br />PHYSICAL DAMAGE COVERAGES <br />ADDITIONAL PAYMENTS (NO DEDUCTIBLE <br />APPLIES) <br />The following additional payments are added to this section: <br />9. reasonable towing and labor costs to any owned auto. <br />Labor must be done at the sight of the disablement. <br />10. full replacement cost coverage for any owned auto or <br />trailer that is involved in a total loss resulting from an <br />accident or theft that occurs within 90 days of the <br />purchase date. The owned auto or trailer must have <br />been purchased new by you (never previously titled), <br />and scheduled on the policy Declarations. <br />11. any unpaid amount due on the lease or loan for an <br />owned auto we insure in the event of a total loss to <br />that auto. The auto must have been leased or <br />purchased new, and not previously titled to another <br />person or corporation. Payment will apply less: <br />a. any amount paid under the Physical Damage <br />Coverages section of this policy; and <br />b. any overdue loan or lease payments at the time of <br />loss; <br />c. any financial penalties imposed under a lease for <br />excessive use, abnormal wear or tear, high mileage, <br />or other similar charges; <br />d. any security deposits not refunded by the lessor or <br />financial institution; <br />e. any costs for extended warranties, credit life, <br />health, accident, or disability insurance purchased <br />with the loan or lease; <br />f. any carry-over balances from previous leases or <br />loans. <br />You are responsible for any deductibles that may <br />apply. <br />12. up to $200 per day for loss of income resulting from a <br />Comprehensive or Collision loss to an auto we insure <br />if the loss is caused by an interruption of business use <br />of that auto. The following provisions apply: <br />a. Coverage starts 48 hours after the date of the loss <br />that causes the downtime. Downtime refers to the <br />exact number of days the auto is down and cannot <br />be used for business purposes; <br />b. Payment ends on the date the auto is returned to <br />you in useable condition, or a replacement auto is <br />made available to you. However, this coverage <br />shall not exceed 30 days from the time payment <br />begins; <br />c. You are required to make necessary replacement or <br />repairs to resume operations as soon as possible; <br />d. Payment under this coverage will be excess over <br />any payments made under the Comprehensive or <br />Collision coverage section of the policy; <br />e. Coverage does not apply if a similar replacement <br />vehicle is available that you could use to continue <br />or resume business operations. <br />ADDITIONAL TRANSPORTATION EXPENSES <br />The following optional coverage applies only if a premium is <br />shown for COMMERCIAL AUTO ENHANCEMENT <br />COVERAGE W/TRANSPORTATION EXPENSES on your <br />Declarations. <br />Item 2. is deleted from PHYSICAL DAMAGE COVERAGES , <br />ADDITIONAL PAYMENTS (NO DEDUCTIBLE APPLIES) <br />in the policy and policy change endorsement ACNA01 and <br />replaced by the following: <br />2. transportation expenses resulting from a <br />Comprehensive or Collision loss we cover. We will <br />pay these expenses until: <br />a. the auto we insure is returned to you in reasonable <br />condition; or <br />b. we offer settlement; <br />whichever comes first. The payment for transportation <br />expenses resulting from a Comprehensive loss will not <br />exceed $65 per day nor total more than $2,925 per loss <br />unless a higher limit is purchased. The payment for <br />transportation expenses resulting from a Collision loss <br />will not exceed $65 per day nor total more than $2,925 <br />per loss unless a higher limit is purchased. No waiting <br />period applies. <br />DocuSign Envelope ID: E6637551-8B99-40C0-80BF-5A6D58F8B34ADocusign Envelope ID: 8593B911-5A7C-42E9-8641-3AFC72859480