2023-03-05 COI.pdf

ANY PROPRIETOR/PARTNER/EXECUTIVE

OFFICER/MEMBER EXCLUDED?

INSR ADDL SUBR

LTR INSD WVD

PRODUCER CONTACT

NAME:

FAXPHONE

(A/C, No):(A/C, No, Ext):

E-MAIL

ADDRESS:

INSURER A :

INSURED INSURER B :

INSURER C :

INSURER D :

INSURER E :

INSURER F :

POLICY NUMBER POLICY EFF POLICY EXPTYPE OF INSURANCE LIMITS(MM/DD/YYYY) (MM/DD/YYYY)

AUTOMOBILE LIABILITY

UMBRELLA LIAB

EXCESS LIAB

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY

DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)

AUTHORIZED REPRESENTATIVE

EACH OCCURRENCE $

DAMAGE TO RENTEDCLAIMS-MADE OCCUR $PREMISES (Ea occurrence)

MED EXP (Any one person) $

PERSONAL & ADV INJURY $

GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $

PRO-POLICY LOC PRODUCTS - COMP/OP AGGJECT

OTHER: $

COMBINED SINGLE LIMIT

$(Ea accident)

ANY AUTO BODILY INJURY (Per person) $

OWNED SCHEDULED

BODILY INJURY (Per accident) $AUTOS ONLY AUTOS

HIRED NON-OWNED PROPERTY DAMAGE

$AUTOS ONLY AUTOS ONLY (Per accident)

OCCUR EACH OCCURRENCE

CLAIMS-MADE AGGREGATE $

DED RETENTION $

PER OTH-

STATUTE ER

E.L. EACH ACCIDENT

E.L. DISEASE - EA EMPLOYEE $

If yes, describe under

E.L. DISEASE - POLICY LIMITDESCRIPTION OF OPERATIONS below

INSURER(S) AFFORDING COVERAGE NAIC #

COMMERCIAL GENERAL LIABILITY

Y / N N / A

(Mandatory in NH)

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN

ACCORDANCE WITH THE POLICY PROVISIONS.

THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS.

THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED

REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER.

IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed.

If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s).

COVERAGES CERTIFICATE NUMBER: REVISION NUMBER:

CERTIFICATE HOLDER CANCELLATION

© 1988-2015 ACORD CORPORATION. All rights reserved.ACORD 25 (2016/03)

CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY)

The ACORD name and logo are registered marks of ACORD

3/9/2022

License # 0I67814

(949) 885-2387 (949) 202-0907

23787

A & G Turf Equipment 7 N 43rd Ave.

Phoenix, AZ 85009

13043

A 1,000,000

X X ACP7276025835 3/31/2022 3/31/2023 100,000

5,000

1,000,000 2,000,000 2,000,000

EBL AGGREGATE 2,000,000

1,000,000A

X X ACP7276025835 3/31/2022 3/31/2023

Comp Ded: $1,000 Coll Ded: $1,000

4,000,000A

ACP7276025835 3/31/2022 3/31/2023 4,000,000

B X 1020534 3/5/2022 3/5/2023 1,000,000

N 1,000,000 1,000,000

Revised 3-9-2022. This Certificate rescinds and supersedes any and all prior certificates issued on behalf of the Named Insured.

The State of Arizona, Arizona Department of Transportation (ADOT), its departments, agencies, boards, commissions, universities and its officers, officials, agents and employees are Additional Insureds with regard to General Liability when required by written contract per the attached endorsement form CG7288 12/16, Waiver of Subrogation included. Primary and Non-Contributory wording applies with regard to General Liability when required by written contract per the attached endorsement from CG2001 04/13. Additional Insureds with regard to Auto Liability when required by written contract arising out of activities performed per the attached endorsement form AC7004 03/16 , Waiver of Subrogation included. Waiver of Subrogation applies with regard to Workers Compensation when required by written contract per the attached endorsement form WC0003 13 4-84. Umbrella follows form of underlying General Liability and Auto Liability policies.

The State of Arizona or Arizona Department of Transportation 1324 N. 22nd Ave MD 128A Phoenix, AZ 85009

A&GTURF-01 LWHITLOCK

Western Growers Insurance Services 15525 Sand Canyon Irvine, CA 92618

Lauren Whitlock lwhitlock@wgis.com

Nationwide Mutual Insurance Company CopperPoint General Insurance Company

X

X X

X

X

X X X e6906

ACCEPTED

COMMERCIAL GENERAL LIABILITY

CG 72 88 12 16

CG 72 88 12 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CONTRACTORS ENHANCEMENT ENDORSEMENT

INCLUDING MEDICAL PAYMENTS

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

A. Lost Key Coverage

1. Under Section I – Coverages, Coverage A Bodily Injury And Property Damage Liability, coverage is extended to include the following:

If a customer's master or grand key, excluding electronic key card, is lost, damaged or stolen while in your care, custody or control we will pay the cost of replacing the keys, including the master lock and all keys used in the same lock, the cost of adjusting locks to accept the new keys, or the cost to replace the locks, whichever is less.

2. Limit of Insurance – For the purpose of this coverage, the most we will pay is $10,000 per “occurrence”.

B. Voluntary Property Damage

1. Under Section I – Coverages, Coverage A Bodily Injury And Property Damage Liability, coverage is extended to include the following:

At your request, we will pay for “property damage” to property of others caused by you and while in your possession, arising out of your business operations and occurring during the policy period.

2. Limit of Insurance – For the purpose of this coverage the most we will pay is $1,500 per “occurrence”.

C. Non-Owned Watercraft

Under Section I – Coverages, Coverage A Bodily Injury And Property Damage Liability,

2. Exclusions Exclusion g. Aircraft, Auto Or Watercraft Paragraph (2) (a) is replaced with:

(a) Less than 51 feet long; and

C. Non-Owned Watercraft

Under Section I – Coverages, Coverage A Bodily Injury And Property Damage Liability,

2. Exclusions Exclusion g. Aircraft, Auto Or Watercraft Paragraph (2) (a) is replaced with:

(a) Less than 51 feet long; and

D. Expanded Property Damage Coverage

1. For the purposes of this endorsement only:

Section I – Coverages, Coverage A Bodily Injury And Property Damage Liability, 2. Exclusions, Exclusion j.

Damage To Property is amended as follows:

a. Paragraphs (3), (5), and (6) are deleted in their entirety.

b. Paragraph (4) is deleted in its entirety and replaced with:

(4) Personal property in the care custody, or control of the insured:

(a) For storage or sale at premises you own, rent or occupy; or

(b) While being transported by any aircraft, "auto", or watercraft owned or operated by or rented to or loaned to any insured.

c. The coverage provided by this endorsement does not apply to “property damage”:

(1) Arising out of the disappearance or loss of use of personal property; or

(2) Included in the “products-completed operations hazard”.

Page 2 of 5 Includes copyrighted material of Insurance Services Office, Inc.,

2. Limit of Insurance - The most we will pay for loss arising out of any one “occurrence” is $5,000.

3. Deductible - Our obligation to pay for a covered loss applies only to the amount of loss in excess of $250.

We will pay the deductible amount to effect settlement of any claim or “suit” and upon notification having been taken you shall promptly reimburse us for the deductible as has been paid by us.

This insurance is primary to any expanded damage coverage provided by a separate endorsement attached to this policy, and it will supplant any deductible in said endorsement.

E. Damage To Premises Rented To You

1. Under Section I – Coverages, Coverage A Bodily Injury And Property Damage Liability, the last paragraph of 2.

Exclusions is replaced with:

If Damage To Premises Rented To You is not otherwise excluded, Exclusions c.

through n. do not apply to damage by fire, lightning, explosion, smoke, or sprinkler leakage to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III – Limits Of Insurance.

2. Under Section III – Limits Of Insurance, Paragraph 6. is replaced with:

6. Subject to 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of “property damage” to any one premises, while rented to you, or in the case of damage by fire, lightning, explosion, smoke or sprinkler leakage, while rented to you or temporarily occupied by you with permission of the owner. The limit is increased to $1,000,000.

3. Under Section IV – Commercial General Liability Conditions, Condition 4. Other Insurance, b. Excess Insurance (1) (a) (ii) is replaced with:

(ii) That is Fire, Lightning, Explosion, Smoke, or Sprinkler leakage insurance for premises rented to you or temporarily occupied by you with permission of the owner.

F. Supplementary Payments

Under Section I – Coverages, Supplementary Payments – Coverages A and B Paragraphs 1.b. and 1.d. are replaced with:

b. Up to $2,500 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies.

We do not have to furnish these bonds.

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 $500 a day because of time off from work.

G. Newly Formed And Acquired Organizations

Under Section II – Who Is An Insured Paragraph 3.a. is replaced with:

a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier;

H. Additional Insured – Automatic Status When Required In An Agreement Or Contract With You

Section II – Who Is An Insured is amended to include:

4. Any person(s) or organization(s) described in Paragraphs a. – d. below with whom you have agreed in writing in a contract or written agreement that such person or organization be added as an additional insured on your policy during the policy period shown in the Declarations.

The person or organization added as an insured by this endorsement is an insured only for liability due to:

a. Lessors of Leased Equipment with respect to their liability for “bodily injury”, “property damage”, or “personal and advertising injury”, caused in whole or in part by your maintenance, operation or use of equipment leased to you by such person(s) or organization(s). This insurance does not apply to any “occurrence” which takes place after the lease expires.

However, their status as additional insured under this policy ends when their lease, contract, or agreement with you for such leased equipment expires.

CG 72 88 12 16 Includes copyrighted material of Insurance Services Office, Inc.,

b. Managers or Lessors of Premises with respect to liability arising out of the ownership, maintenance, or use of that part of the premises you own, rent, lease, or occupy.

This insurance does not apply to:

(1) Any “occurrence” which takes place after you cease to be a tenant in that premises.

(2) Structural alterations, new con-struction or demolition operations performed by or on behalf of the person or organization.

However, their status as additional insured under this policy ends when you cease to be a tenant of such premises.

c. State or Political Subdivision – Permits Relating to Premises with respect to the following hazards for which the state or political subdivision has issued a permit or authorization in connection with premises you own, rent or control and to which this insurance applies:

(1) The existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoist away openings, sidewalk vaults, street banners, or decorations and similar exposures;

or

(2) The construction, erection, or removal of elevators; or

The ownership, maintenance, or use of any elevators covered by this insurance.

This insurance does not apply to:

(1) “Bodily injury” or “property damage” or “personal or advertising injury” arising out of operations performed for the state or municipality; or

(2) “Bodily injury” or “property damage” included within the “products-completed operations hazard”.

However, such state or political subdivision’s status as additional insured under this policy ends when the permit ends.

d. Owners, Lessees, or Contractors with respect to liability for "bodily injury", "property damage", or "personal and advertising injury" caused, in whole or in part, by:

(1) Your acts or omissions; or

(2) The acts or omissions of those acting on your behalf;

in the performance of your ongoing operations performed for that additional insured, whether the work is performed by you or on your behalf.

The insurance does not apply to:

(1) “Bodily injury”, “property damage”, or “personal and advertising injury” arising out of the rendering of or the failure to render any professional architectural, engineering, or survey services, including:

(a) The preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, survey, field orders, change orders, or drawings and specifications: or

(b) Supervisory, inspection, archi-tectural, or engineering activ-ities.

(2) "Bodily injury" or "property damage" occurring after:

(a) All work, including materials, parts, or equipment furnished in connection with such work, on the project (other than service, maintenance or repairs) to be performed by or on behalf of the additional insured(s) at the location of the covered operations has been completed;

or

(b) That portion of "your work" out of which the injury or damage arises has been put to its intended use by any person or organization other than another contractor or subcontractor engaged in performing operations for a principal as a part of the same project.

Page 4 of 5 Includes copyrighted material of Insurance Services Office, Inc., However, a person or organization’s status as additional insured under this policy ends when your operations for that additional insured are completed.

With respect to the insurance afforded to such additional insureds a. – d. described above the following is added to the Section III – Limits Of Insurance:

If coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance:

1. Required by the contract or agreement:

or

2. Available under the applicable Limits of Insurance shown in the Declarations;

whichever is less.

This endorsement shall not increase the applicable Limits of Insurance shown in the Declarations.

However, the insurance afforded to such additional insureds a. – d. described above:

1. Only applies to the extent permitted by law; and

2. Will not be broader than that which you are required by the contract or agreement to provide such additional insured.

I. Aggregate Limit Per Project

Under Section III – Limits Of Insurance The following paragraph is added to Paragraph 2:

The General Aggregate Limit under Section III Limits Of Insurance applies separately to each of your construction projects away from premises owned by or rented to you.

J. Medical Payments

Under Section III – Limits Of Insurance, Paragraph 7. is replaced with:

7. Subject to 5. above, the higher of:

a. $10,000; or

b. The amount shown in the Declarations for Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of “bodily injury” sustained by one person.

This coverage does not apply if Coverage C – Medical Payments is excluded either by the provisions of any coverage forms attached to the policy or by endorsement.

K. Knowledge Of An Occurrence

Under Section IV – Commercial General Liability Conditions, the following is added to Condition 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit:

e. Knowledge of an occurrence, offense, claim or suit by an agent or employee of any insured shall not in itself constitute knowledge of the insured unless you, a partner, if you are a partnership; or an executive officer, or insurance manager, if you are a corporation receives such notice of an occurrence, offense, claim, or suit from the agent or employee.

f. The requirements in Paragraph b. will not be considered breached unless there is knowledge of occurrence as outlined in Paragraph e. above.

L. Unintentional Failure To Disclose Hazard

Under Section IV – Commercial General Liability Conditions, Condition 6.

Representations the following paragraph is added:

d. Your failure to disclose all hazards or prior “occurrences” or offenses existing as of the inception date of the policy shall not prejudice the coverage afforded by this policy provided such failure to disclose all hazards or prior “occurrences” or offenses is not intentional. This provision does not affect our right to collect additional premium or exercise our right of cancellation or non-renewal.

M. Waiver Of Subrogation

Under Section IV – Commercial General Liability Conditions, 8. Transfer Of Rights Of Recovery Against Others To Us the following paragraph is added:

If required by a written contract executed prior to loss, we waive any right of subrogation we may have against the contracting person or organization because of payments we make for injury or damage arising out of your ongoing operations or “your work” done under a contract with that person or organization and included in the “products-completed operations hazard”.

CG 72 88 12 16 Includes copyrighted material of Insurance Services Office, Inc., N. Liberalization

Under Section IV – Commercial General Liability Conditions, the following condition is added:

10. Liberalization

If we revise this coverage form to provide more coverage without additional premium charge, your policy will automatically provide the additional coverage as of the day the revision is effective in your state.

O. Broadened Bodily Injury Definition (Mental Anguish)

Under Section V – Definitions Definition 3.

“Bodily Injury” is replaced with:

3. “Bodily injury” means physical injury, sickness, or disease to a person and if arising out of the foregoing, mental anguish, mental injury, shock, or humiliation, including death at any time resulting therefrom.

All terms and conditions of this policy apply unless modified by this endorsement.

COMMERCIAL GENERAL LIABILITY

CG 20 01 04 13

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CG 20 01 04 13 © Insurance Services Office, Inc., 2012 Page 1 of 1

PRIMARY AND NONCONTRIBUTORY –

OTHER INSURANCE CONDITION

This endorsement modifies insurance provided under the following:

COMMERCIAL GENERAL LIABILITY COVERAGE PART

PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART

The following is added to the Other Insurance Condition and supersedes any provision to the contrary:

Primary And Noncontributory Insurance

This insurance is primary to and will not seek contribution from any other insurance available to an additional insured under your policy provided that:

(1) The additional insured is a Named Insured under such other insurance; and

(2) You have agreed in writing in a contract or agreement that this insurance would be primary and would not seek contribution from any other insurance available to the additional insured.

All terms and conditions of this policy apply unless modified by this endorsement.

COMMERCIAL AUTO

AC 70 04 03 16

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS AUTO PROTECTION - PLUS

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

SUMMARY OF COVERAGES

A. Effect of This Endorsement B. Temporary Substitute Autos – Physical Damage Coverage C. Employees as Insureds – Nonowned Autos D. Additional Insured by Contract, Permit or Agreement E. Prejudgment Interest Coverage F. Personal Effects and Property of Others Extension G. Expanded Towing Coverage H. Expanded Transortation Expense I. Extra Expense – Stolen Autos J. Emergency Lockout K. Transfer Of Rights Of Recovery Against Others To Us L. Section IV – Business Auto Conditions - Notice of Knowledge of Occurrence

AC 70 04 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 3 with its permission

A. EFFECT OF THIS ENDORSEMENT

Coverage provided under this policy is modified by the provisions of this endorsement. If there is any conflict between the provisions of this endorsement and the provision(s) of any state-specific endorsement also attached to this poli-cy, then the provision(s) of the state-specific endorsement shall apply instead of the provi-sions of this endorsement that are in conflict, but only to the extent of the conflict, and only to the extent necessary to bring such provisions into conformance with the state requirement(s) contained in the provision(s) of the state-specific endorsement.

B. TEMPORARY SUBSTITUTE AUTOS –

PHYSICAL DAMAGE COVERAGE

The following is added to paragraph C. Certain Trailers, Mobile Equipment And Temporary Substitute Autos of the – COVERED AUTOS

SECTION:

If Physical Damage Coverage is provided by this Coverage Form, the following types of vehicles are also covered "autos" for Physi-cal Damage Coverage:

Any "auto" you do not own while used with the permission of its owner as a temporary substitute for a covered "auto" you own that is out of service because of its:

a. Breakdown;

b. Repair;

c. Servicing;

d. "Loss"; or

e. Destruction The coverage that applies is the same as the coverage provided for the vehicle being replaced.

C. EMPLOYEES AS INSUREDS – NONOWNED

AUTOS

The following is added to paragraph A.1. Who Is An Insured of SECTION II – COVERED AUTOS

LIABILITY COVERAGE:

d. Any "employee" of yours is an "insured" while using a covered "auto" you don't own, hire or borrow in your business or your per-sonal affairs.

D. ADDITIONAL INSURED BY CONTRACT,

PERMIT OR AGREEMENT

The following is added to A.1. Who Is An Insured of SECTION II – COVERED AUTOS

LIABILITY COVERAGE:

Any person or organization that you are required to name as an additional insured in a written contract or agreement that is executed or signed by you prior to a “bodily injury” or “property damage” occurrence is an “insured” for C o v e r e d A u t o s Liability Coverage.

However, with respect to covered “autos”, such person or organization is an insured only to the extent that person or organization qualifies as an “insured” under A.1. Who is an Insured of

SECTION II – COVERED AUTOS LIABILITY

COVERAGE.

If specifically required by the written contract or agreement referenced in the paragraph above, any coverage provided by this en-dorsement to an additional insured shall be primary and any other valid and collectible insurance available to the additional insured shall be non-contributory with this insurance. If the written contract does not require this cov-erage to be primary and the additional in-sured’s coverage to be non-contributory, then this insurance will be excess over any other val-id and collectible insurance available to the ad-ditional insured.

E. PREJUDGMENT INTEREST COVERAGE

The following paragraph is added to SECTION II

- COVERED AUTOS LIABILITY COVERAGE,

Supplementary Payments under item:

(7) Prejudgment interest awarded against the

“insured” on that part of the judgment we pay. If we make an offer to pay the appli-cable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer.

F. PERSONAL EFFECTS AND PROPERTY OF

OTHERS EXTENSION

1. The. Care, Custody or Control Exclusion of the SECTION II – COVERED AUTOS LIABILITY COVERAGE, does not apply to "property damage" to property, other than your property, up to an amount not exceed-ing $250 in any one "accident". Coverage is excess over any other valid and collectible insurance.

2. The following paragraph is added to. Cover-age Extensions of SECTION III –

PHYSICAL DAMAGE COVERAGE:

c. We will pay up to $500 for your property that is lost or damaged as a result of a covered “loss”, without applying a de-ductible. Coverage is excess over any other valid and collectible insurance.

G. EXPANDED TOWING COVERAGE

1. We will pay up to:

a. $100 for a covered "auto" you own of the private passenger type, or

Page 2 of 3 Includes copyrighted material of Insurance Services Office, Inc. AC 70 04 03 16

b. $250 for a covered "auto" you own that is not of the private passenger type, for towing and labor costs incurred each time the covered "auto" is disabled.

However, the labor must be performed at the place of disablement.

2. This coverage applies only for an "auto" covered on this policy for Comprehensive or Specified Causes of Loss Coverage and Collision Coverages.

3. Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered “auto”.

H. EXPANDED TRANSPORTATION EXPENSE

Paragraph A.4.a. of SECTION III - PHYSICAL DAMAGE COVERAGE SECTION is replaced by the following:

We will pay up to $50 per day to a maximum of $1000 for temporary transportation expense in-curred by you because of the total theft of a covered "auto" of the private passenger type.

We will only pay for those covered "autos" for which you carry Comprehensive or Specified Causes of Loss Coverage. We will pay for tem-porary transportation expenses incurred during the period beginning 48 hours after the theft and ending, regardless of the policy's expiration, when the covered "auto" is returned to use or we pay for its "loss"

I. EXTRA EXPENSE – STOLEN AUTOS

The following paragraph is added to Coverage Extensions. of SECTION III – PHYSICAL

DAMAGE COVERAGE:

c. We will pay for up to $5,000 for the expense of returning a stolen covered “auto” to you.

We will pay only for those covered “autos” for which you carry Comprehensive or Spec-ified Causes of Loss Coverage

J. EMERGENCY LOCKOUT – PRIVATE

PASSENGER VEHICLES

We will reimburse you up to $75 for reasonable expense incurred for the services of a locksmith to gain entry into your covered “auto” of the pri-vate passenger type subject to these provisions:

1. Your door key or key entry pad has been lost, stolen or locked in your covered “auto” and you are unable to enter such “auto” , or

2. Your key or key entry pad has been lost or stolen and you have changed the lock to prevent an unauthorized entry; and

3. Original copies of receipts for services of a locksmith must be provided before reimbursement is payable.

K. TRANSFER OF RIGHTS OF RECOVERY

AGAINST OTHERS TO US

The following is added to the Transfer Of Rights Of Recovery Against Others To Us Condition:

We waive any right of recovery we may have against any person or organization to the extent required of you by a written con-tract executed prior to any “accident” be-cause of payments we make for damages under this coverage form.

L. NOTICE OF AND KNOWLEDGE OF

OCCURRENCE

SECTION IV – BUSINESS AUTO

CONDITIONS, Paragraph A is amended as follows:

6. NOTICE OF AND KNOWLEDGE OF

OCCURRENCE

a. Your obligation in the Duties in the Event of Accident, Claim, Suit or Loss Condi-tion relative to notification require-ments applies only when the “accident” or “loss” is known to:

(1) You, if you are an individual;

(2) A partner, if you are a partnership;

(3) A member, if you are a limited liability company; or

(4) An executive officer or insurance manager, if you are a corporation.

b. Your obligation in the. Duties in the Event of Accident, Claim, Suit or Loss Condition relative to providing us with documents concerning a claim or “suit” will not be considered breached unless the breach occurs after such claim or “suit” is known to:

(1) You, if you are an individual;

(2) A partner, if you are a partnership;

(3) A member, if you are a limited liability company; or

(4) An executive officer or insurance manager, if you are a corporation.

AC 70 04 03 16 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 3

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