ACCEPTED ANY_ALL AL 07.06.24-07.06.25.pdf

ST-White

500PHGW02

MORITOMO ENTERPRISES LLC

13321 W Indian School Rd 108A Litchfield Pk, AZ 85340-4339

WES I DRYDEN DBA Wcd Enterprises, Llc

28150 N ALMA SCHOOL PKWY

STE 103-452

SCOTTSDALE, AZ 85262

To manage your Account Visit us at https://customer.kemper.com/auto/ commercial-auto-insurance

To contact your Agency Call +1-602-993-1010

24/7 Claims Reporting

(800) 334-1661 or claimsonline.kemper.com

New Policy Number: 50010166201

Underwritten by: Infinity Auto Insurance Company

Dear Policyholder:

Thank you for being a loyal customer and selecting us to provide your commercial auto insurance protection. As we continue our effort to provide excellent services to our customers, we are upgrading to a new policy and billing system. There is nothing needed from you for this transition.

This upgrade will mean your policy number has been changed to the new policy number shown above. Please refer to your new policy number when contacting us in the future. As always, we encourage you to thoroughly read all of your policy documents.

If you have questions about your policy or discover you need additional coverage, please contact your agent. Thank you again for allowing us to be your choice for commercial auto insurance protection.

Kemper Auto Commercial

G0171 Auto Liability Only

500PHGW02

MORITOMO ENTERPRISES LLC

13321 W Indian School Rd 108A Litchfield Pk, AZ 85340-4339

WES I DRYDEN DBA Wcd Enterprises, Llc

28150 N ALMA SCHOOL PKWY

STE 103-452

SCOTTSDALE, AZ 85262

Para administrar su cuenta Visítenos en https://customer.kemper.com/auto/ commercial-auto-insurance

Para comunicarse con su agencia, llame al +1-602-993-1010

Para reportar reclamos 24/7

(800) 334-1661 o claimsonline.kemper.com

Nuevo número de póliza: 50010166201

Suscrita por: Infinity Auto Insurance Company

Estimado/a titular de la póliza:

Gracias por ser un cliente leal y elegirnos para proporcionarle la protección del seguro de auto comercial. A medida que seguimos con nuestro esfuerzo por prestar excelentes servicios a nuestros clientes, estamos implementando una actualización a un nuevo sistema pólizas y facturación. No se necesita que usted haga algo para esta transición.

Esta actualización significará que su número de póliza cambió al nuevo número de póliza que se muestra arriba.

Use el nuevo número de póliza cuando se comunique con nosotros en el futuro.Como siempre, lo animamos a que lea detalladamente todos los documentos de su póliza.

Si tiene preguntas sobre su póliza o si descubre que necesita más cobertura, comuníquese con su agente. Gracias de nuevo por permitirnos ser la opción que eligió para la protección de seguro de auto comercial.

Kemper Auto Commercial

502DCPG02 Page 1 of 2 AMEND DATE: 07/06/2024

ENDORSEMENT: 10-1

Kemper Auto Commercial 11700 Great Oaks Way, Suite 450

Alpharetta, GA 30022 Underwritten by: Infinity Auto Insurance Company

Customer Service: (800) 722-3391 Claims Service: (800) 334-1661

COMMERCIAL AUTO DECLARATION

POLICY NUMBER: 50010166201

POLICY PERIOD: 07/06/2024 To: 07/06/2025

WES I DRYDEN DBA Wcd Enterprises, Llc

28150 N ALMA SCHOOL PKWY

STE 103-452

SCOTTSDALE, AZ 85262

ADOT#: 11738

This policy is effective no earlier than the date and time on which the application is accepted by the Company and shall expire at 12:01 a.m. on the last day of the policy period shown on the Declarations Page. If the policy is cancelled for nonpayment, it may be continued with or without a lapse in coverage, contingent upon valid payment and in accordance with our underwriting rules.

The following coverages and limits apply to each described vehicle as shown below. Coverages are defined in the policy and are subject to the terms and conditions contained in the policy, including amendments and endorsements. No changes will be effective prior to the time changes are requested.

# Year Make / Model VIN Number Deductible

COL / COM / FTC

1 1988 CHEVROLET - SUBURBAN V10 1GNEV16K9JF153844 N/A / N/A / N/A

2 2007 INDEPE - TRAILOR NIL 4RACS101X7K018720 N/A / N/A / N/A

COVERAGES - LIMITS OF LIABILITY PREMIUMS FOR VEHICLES

THE COVERAGE IS APPLICABLE ONLY IF A PREMIUM IS INDICATED VEH 1 VEH 2

BI/PD Liability $1,000,000 CSL 1689 400 Uninsured Motorist - BI $1,000,000 CSL 357 0 Underinsured Motorist - Bodily Injury $1,000,000 CSL 287 0

PREMIUM BY VEHICLE: 2,333 400

ENDORSEMENTS MADE A PART OF THIS POLICY:

TOTAL VEHICLE PREMIUM(S):

FEES:

*see reverse for fee schedule

TOTAL POLICY PREMIUM:

$2,733.00 $310.00

$3,043.00

50250POL01, 50250AE101, 50250AE201, 500PNCV01,

50250AIS01, 50250SWF01

G0171 Highlight

G0171 Highlight

G0171 Highlight

Highlight

502DCPG02 Page 2 of 2 AMEND DATE: 07/06/2024

ENDORSEMENT: 10-1

Additional Information:

Agency Information:

MORITOMO ENTERPRISES LLC

13321 W Indian School Rd 108A Litchfield Pk, AZ 85340-4339

Please mail all inquiries to:

Kemper Commercial Auto 11700 Great Oaks Way, Suite 450 Alpharetta, GA 30022

Please fax all inquiries to:

(877) 722-3391

DRIVER INFORMATION:

# DRIVER NAME EXCL SR22

1 WES I DRYDEN No No 2 CINDY DRYDEN Yes No 3 DUSTY D BITZ No No

VEHICLE LOSS PAYEE/ADDITIONAL INTEREST INFORMATION:

VEH# NAME TYPE ADDRESS CITY STATE ZIP

RATING CRITERIA:

VEH# DRV# DRV

PNTS

VEH

GVW

PERSONAL

USE

VEH

USE

GARAGING

ZIP

STATED VALUE

(INCL: ADDL. EQUIP STATED VALUE)

VEH

RADIUS

VEH

BODY

1 3 0 10000 NO C 85262 $4,000.00 50 214

2 2000 NO H 85262 $8,600.00 50 331

POLICY LEVEL INFORMATION:

PAID-IN-FULL: YES X NO PHYSICAL DAMAGE ONLY: YES X NO CDL DISCOUNT: YES X NO

PRIOR COVERAGE: X YES NO BUSINESS EXPERIENCE: X YES NO STATE FILING: YES X NO

FEDERAL FILING: YES X NO CGL OR BOP DISCOUNT: X YES NO RATED OCCUPATION: Cleaning Services

ADDITIONAL DRIVER: YES X NO OCCUPATION CODE: E03

For Personal Use coverage, refer to "Rating Criteria" for each vehicle listed above. PAY PLAN OPTION: Monthly Pay - 8.33% Down Pay - 11 Installments

SCHEDULE OF APPLICABLE FEES:

DESCRIPTION AMOUNT DESCRIPTION AMOUNT

Vehicle Fee - Distributed Additional Insured Fee

$60.00 $150.00

Waiver of Subrogation Fee $100.00

11700 Great Oaks Way, Suite 450

Alpharetta, GA 30022 Underwritten by: Infinity Auto Insurance Company

50250IDC03 ADOT No. 0921 NAIC No. 11738

ARIZONA INSURANCE IDENTIFICATION CARD

Policy Number Effective Date Expiration Date

50010166201 07/06/2024 07/06/2025

Year Make Model VIN

1988 CHEVROLET SUBURBAN V10 1GNEV16K9JF153844

Insured: Agent:

WES I DRYDEN DBA Wcd Enterprises, Llc

28150 N ALMA SCHOOL PKWY

STE 103-452

SCOTTSDALE, AZ 85262

MORITOMO ENTERPRISES LLC

13321 W Indian School Rd 108A Litchfield Pk, AZ 85340-4339

THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE AS

EVIDENCE OF FINANCIAL RESPONSIBILITY.

Kemper Auto Commercial 11700 Great Oaks Way, Suite 450

Alpharetta, GA 30022 Underwritten by: Infinity Auto Insurance Company

50250IDC03 ADOT No. 0921 NAIC No. 11738

ARIZONA INSURANCE IDENTIFICATION CARD

Policy Number Effective Date Expiration Date

50010166201 07/06/2024 07/06/2025

Year Make Model VIN

2007 INDEPE TRAILOR NIL 4RACS101X7K018720

Insured: Agent:

WES I DRYDEN DBA Wcd Enterprises, Llc

28150 N ALMA SCHOOL PKWY

STE 103-452

SCOTTSDALE, AZ 85262

MORITOMO ENTERPRISES LLC

13321 W Indian School Rd 108A Litchfield Pk, AZ 85340-4339

THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE AS

EVIDENCE OF FINANCIAL RESPONSIBILITY.

IF YOU HAVE AN ACCIDENT NOTIFY POLICE IMMEDIATELY

1. Write down names, addresses, telephone numbers, and license numbers of persons involved and of witnesses.

2. Notify the Company promptly at the number below.

3. Do not admit fault. Do not discuss the accident with anyone except the

Company

REPORT ALL ACCIDENTS, REGARDLESS OF FAULT, TO

(800) 334-1661

SHOW THIS CARD TO THE REQUESTING PEACE OFFICER WHEN ASKED TO

PROVIDE EVIDENCE OF FINANCIAL RESPONSIBILITY.

This coverage provided by this policy meets the minimum liability limits prescribed by law.

KEEP THIS COPY WITH YOU

IF YOU HAVE AN ACCIDENT NOTIFY POLICE IMMEDIATELY

1. Write down names, addresses, telephone numbers, and license numbers of persons involved and of witnesses.

2. Notify the Company promptly at the number below.

3. Do not admit fault. Do not discuss the accident with anyone except the

Company

REPORT ALL ACCIDENTS, REGARDLESS OF FAULT, TO

(800) 334-1661

SHOW THIS CARD TO THE REQUESTING PEACE OFFICER WHEN ASKED TO

PROVIDE EVIDENCE OF FINANCIAL RESPONSIBILITY.

This coverage provided by this policy meets the minimum liability limits prescribed by law.

KEEP THIS COPY WITH YOU

11700 Great Oaks Way, Suite 450

Alpharetta, GA 30022 Underwritten by: Infinity Auto Insurance Company

50250IDC03 ADOT No. 0921 NAIC No. 11738

ARIZONA INSURANCE IDENTIFICATION CARD

Policy Number Effective Date Expiration Date

50010166201 07/06/2024 07/06/2025

Year Make Model VIN

1988 CHEVROLET SUBURBAN V10 1GNEV16K9JF153844

Insured: Agent:

WES I DRYDEN DBA Wcd Enterprises, Llc

28150 N ALMA SCHOOL PKWY

STE 103-452

SCOTTSDALE, AZ 85262

MORITOMO ENTERPRISES LLC

13321 W Indian School Rd 108A Litchfield Pk, AZ 85340-4339

THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE AS

EVIDENCE OF FINANCIAL RESPONSIBILITY.

Kemper Auto Commercial 11700 Great Oaks Way, Suite 450

Alpharetta, GA 30022 Underwritten by: Infinity Auto Insurance Company

50250IDC03 ADOT No. 0921 NAIC No. 11738

ARIZONA INSURANCE IDENTIFICATION CARD

Policy Number Effective Date Expiration Date

50010166201 07/06/2024 07/06/2025

Year Make Model VIN

2007 INDEPE TRAILOR NIL 4RACS101X7K018720

Insured: Agent:

WES I DRYDEN DBA Wcd Enterprises, Llc

28150 N ALMA SCHOOL PKWY

STE 103-452

SCOTTSDALE, AZ 85262

MORITOMO ENTERPRISES LLC

13321 W Indian School Rd 108A Litchfield Pk, AZ 85340-4339

THIS CARD MUST BE CARRIED IN THE INSURED MOTOR VEHICLE AS

EVIDENCE OF FINANCIAL RESPONSIBILITY.

IF YOU HAVE AN ACCIDENT NOTIFY POLICE IMMEDIATELY

1. Write down names, addresses, telephone numbers, and license numbers of persons involved and of witnesses.

2. Notify the Company promptly at the number below.

3. Do not admit fault. Do not discuss the accident with anyone except the

Company

REPORT ALL ACCIDENTS, REGARDLESS OF FAULT, TO

(800) 334-1661

SHOW THIS CARD TO THE REQUESTING PEACE OFFICER WHEN ASKED TO

PROVIDE EVIDENCE OF FINANCIAL RESPONSIBILITY.

This coverage provided by this policy meets the minimum liability limits prescribed by law.

KEEP THIS COPY WITH YOU

IF YOU HAVE AN ACCIDENT NOTIFY POLICE IMMEDIATELY

1. Write down names, addresses, telephone numbers, and license numbers of persons involved and of witnesses.

2. Notify the Company promptly at the number below.

3. Do not admit fault. Do not discuss the accident with anyone except the

Company

REPORT ALL ACCIDENTS, REGARDLESS OF FAULT, TO

(800) 334-1661

SHOW THIS CARD TO THE REQUESTING PEACE OFFICER WHEN ASKED TO

PROVIDE EVIDENCE OF FINANCIAL RESPONSIBILITY.

This coverage provided by this policy meets the minimum liability limits prescribed by law.

KEEP THIS COPY WITH YOU

[LOGO]

Your Arizona

Commercial Auto

Policy

Underwritten by:

[Kemper Auto Insurance Company]

[(800) 722-3391]

[11700 Great Oaks Way, Suite 450] [Alpharetta, GA 30022]

MEMBER OF

[KEMPER CORPORATION]

Form 50250POL01

WARNING: ANY PERSON WHO KNOWINGLY AND WITH INTENT TO DEFRAUD ANY INSURANCE

COMPANY OR OTHER PERSON FILES AN APPLICATION FOR INSURANCE OR STATEMENT OF CLAIM

CONTAINING ANY MATERIALLY FALSE INFORMATION OR CONCEALS FOR THE PURPOSE OF

MISLEADING, INFORMATION CONCERNING ANY FACT MATERIAL THERETO COMMITS A FRAUDULENT

INSURANCE ACT, WHICH IS A CRIME AND SUBJECTS SUCH PERSON TO CRIMINAL AND CIVIL

PENALTIES.

Infinity Auto Insurance Company

(800) 722-3391

11700 Great Oaks Way, Suite 450 Alpharetta, GA 30022

MEMBER OF

KEMPER CORPORATION

Page 1 Form No. 50250POL01

TABLE OF CONTENTS

POLICY AGREEMENT

YOUR DUTIES IN CASE OF ACCIDENT OR LOSS

DEFINITIONS USED THROUGHOUT THIS POLICY

PART A - LIABILITY COVERAGE

Insuring Agreement Additional Definitions Used in Part A Only Additional Benefits - Part A Only Exclusions - Part A Only Limits of Liability - Part A Only Federal Tort Claims Act Exclusion Conformity With State Financial Responsibility Laws Out of State Coverage Other Insurance - Part A Only

PART B - MEDICAL PAYMENTS COVERAGE

Insuring Agreement Additional Definitions Used in Part B Only Exclusions - Part B Only Limits of Liability - Part B Only……………………………. 10 Other Insurance - Part B Only……………………………. 10

PART C - UNINSURED / UNDERINSURED

MOTORISTS COVERAGE……………………………….. 10

Insuring Agreement-Uninsured Motorists Coverage……. 10 Insuring Agreement-Underinsured Motorists Coverage…………………………………………. 10 Additional Definitions Used in Part C Only……………….. 10 Exclusions - Part C Only Limits of Liability - Part C Only Other Insurance - Part C Only Arbitration- Part C Only

PART D - COVERAGE FOR DAMAGE TO YOUR

INSURED AUTO

Insuring Agreement Additional Definitions Used in Part D Only Additional Payments Car Storage Coverage Exclusions - Part D Only Limits of Liability - Part D Only Loss Settlement Towing and Labor Rental Reimbursement Appraisal No Benefits to Bailee Loss Payee Agreement Other Insurance - Part D Only

PART E - GENERAL PROVISIONS

Policy Period and Territory Premium Changes Coverage Changes Premium Payment Cancellation and Nonrenewal Limitations on Agent Authority Two or More Auto Policies Suits Against Us Transfer of Your Interest in This Policy Bankruptcy Our Recovery Rights Terms of Policy Conformed to Statutes Fraud and Misrepresentation Inspection and Audit Other Insurance Representations

Page 2 Form No. 50250POL01

POLICY AGREEMENT

This Policy is a binding contract between you and

us. The contract includes the Declarations page, endorsements, the application, the Commercial Auto Policy, and all attachments. If your premium payment is paid, we will insure you subject to the terms of this policy. The Declarations page shows a premium for each type of coverage purchased. The selected coverages in this policy apply only to occurrences while the policy is in force. Any statements you made in the application for this insurance are incorporated in and made a part of this policy.

YOUR DUTIES IN CASE OF ACCIDENT OR LOSS

In the event of an auto accident or loss, you and any person claiming coverage under this policy must:

1. Notify us promptly. You or someone on your behalf must notify us within thirty (30) days, or as soon as practicable by calling our claims office during business hours or our Claims Hotline, available twenty-four (24) hours a day, seven (7) days a week. The notice must give the time, place, and circumstances of the accident or loss, the license plate numbers of the vehicles involved, and the names and addresses of injured persons and witnesses. FAILURE TO

PROMPTLY REPORT A LOSS OR ACCIDENT

TO US MAY JEOPARDIZE YOUR COVERAGE

UNDER THIS POLICY.

2. Cooperate with us in any matter concerning a claim or suit. No obligations shall be assumed, costs incurred or voluntary payments made by an insured except at the insured's own cost.

3. Provide us access, as we may reasonably require, to the recorded data contained within your insured auto's event data recorder (EDR), global positioning system (GPS) or similar device, in connection with any matter concerning an accident, claim or suit.

4. Submit to physical examination at our expense, by doctors we select, as often as we may reasonably require, and authorize us to obtain medical and other records.

5. Provide any written proof of loss under oath that we require.

6. Neither admit fault, assume any obligation, nor agree to incur any expense in connection with any claim or accident.

7. Attend hearings and trials as we or a court may require.

8. Send us promptly any legal papers received regarding any claim or suit.

9. Submit to statements or examinations under oath and review, sign and return the transcript to us as we may reasonably require.

10. Allow us to take signed or recorded statements when and as often as we may reasonably require.

11. Authorize us access to your business or personal records as often as we may reasonably require.

We may examine any insured person under oath, while not in the presence of any other insured person, about any matter relating to this insurance or the claim, including an insured person's books and records.

In addition, a person or group claiming coverage under Part D - Coverage for Damage to the Insured Auto must:

1. Take reasonable steps after a loss to protect your insured auto and its equipment from further loss.

2. File a written report with the appropriate law enforcement agency on any theft or vandalism of your insured auto or any of its covered equipment within twenty-four (24) hours following the discovery of the loss.

3. Allow us to inspect and appraise the damage to your insured auto before its repair or disposal.

FAILURE TO COMPLY WITH ANY OR ALL OF THE

CONDITIONS ABOVE MAY RESULT IN OUR

REFUSAL TO EXTEND TO YOU ANY

PROTECTION UNDER THIS POLICY FOR THE

ACCIDENT OR LOSS.

DEFINITIONS USED THROUGHOUT THIS POLICY

Unless defined differently elsewhere in this policy, the words and phrases listed below shall have the following meanings and shall appear in bold print:

1. "Accident" means an unexpected and unintended event that causes bodily injury or property damage, and arises out of the ownership, maintenance, or use of an auto.

Coverage under this policy shall not apply if the accident or its consequences were either intended by the insured, or could have reasonably been expected from the viewpoint of the insured.

All bodily injury and property damage arising out of continuous or repeated exposure to substantially the same general conditions shall be considered as arising out of one (1) accident.

2. "Additional auto" means an auto that you become the owner of, and that you acquire or purchase during the policy period and we must insure all autos you own.

3. "Auto" means a land motor vehicle or trailer designed and licensed for travel on public roads.

It does not include mobile equipment.

However, self-propelled vehicles with the

Page 3 Form No. 50250POL01 following types of permanently attached equipment are not mobile equipment but will be considered autos:

a. Equipment designed primarily for:

i. Snow removal;

ii. Road maintenance, but not construction or resurfacing; or

iii. Street cleaning;

b. Cherry pickers and similar devices mounted on an automobile or truck chassis and used to raise or lower workers; and

c. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well servicing equipment.

4. "Auto Business" means the business or occupation of selling, repairing, servicing, storing or parking autos or trailers.

5. "Bodily injury" means bodily injury to the human body, sickness, or disease resulting in impairment of physical condition including death resulting therefrom which is caused solely by an accident covered under this policy and occurring while the policy is in force.

6. "Crime" means any felony, and shall include driving while intoxicated and any act intended to elude law enforcement personnel.

7. "Employee" means any employee of your business, including leased workers and temporary workers.

8. "Insured" means any person or organization qualifying as an insured under the specific coverage sections of this policy.

9. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. Leased worker does not include a temporary worker.

10. "Loss" means sudden, direct and accidental damage to, or theft of your insured auto.

11. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or specialized equipment:

a. Bulldozers, farm implements and machinery, forklifts, and other vehicles or equipment designed for use principally off public roads.

b. Vehicles maintained for use solely on or next to premises you own or rent.

c. Vehicles that travel on crawler treads.

d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently attached:

i. Power cranes, shovels, loaders, diggers or drills; or

ii. Road construction or resurfacing equipment such as graders, scrapers or rollers.

e. Vehicles not described in Paragraphs a., b., c., or

d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types:

i. Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment.

ii. Cherry pickers and similar devices used to raise or lower workers.

iii. Vehicles not described in paragraphs a., b., c., or d. above, maintained primarily for purposes other than the transportation of persons or cargo.

f. Vehicles not described in paragraphs a., b., c., or d., above, maintained primarily for purposes other than the transportation of persons or cargo.

However, mobile equipment does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle law where it is licensed or principally garaged. Land vehicles subject to compulsory or financial responsibility law or other motor vehicle law are considered an auto.

12. "Occupying" means in, upon, entering into or exiting from.

13. Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed.

14. "Pollution" means the actual, alleged, or threatened discharge, dispersal, seepage, migration, release, or escape of any pollutants:

a. That are, or that are contained in any property that is:

i. Being transported or towed by, or handled for movement into, onto, or from your insured auto;

ii. Otherwise being transported by or on the behalf of the insured; or

iii. Being stored, disposed of, treated, or processed in or upon your insured auto.

b. Before the pollutants or any property in which the pollutants are contained are moved from the place where they are accepted by the insured for movement into or onto your insured auto.

c. After the pollutants or any property in which the pollutants are contained are moved from your insured auto to the place where they are finally delivered, disposed of, or abandoned by the insured.

Paragraph a. does not apply to fuels, lubricants, fluids, exhaust gases, or other similar pollutants that are needed for or result from the normal electrical, hydraulic, or mechanical functioning of your insured auto or its parts if:

i. The pollutants escape, seep, migrate, or are discharged, dispersed, or released directly from an auto part designed by the manufacturer to hold, store, receive, or dispose of such pollutants; and

ii. The bodily injury or property damage

Page 4 Form No. 50250POL01 does not arise out of the operation of any equipment listed in paragraphs 12.f.ii. or 12.f.iii. of the definition of mobile equipment.

Paragraphs b. and c. above do not apply to accidents that occur away from premises owned by or rented to an insured with respect to pollutants not in or upon your insured auto if:

i. The pollutants or any property which contains the pollutants are upset, overturned, or damaged as a result of the maintenance or use of your insured auto; and

ii. The discharge, dispersal, seepage, migration, release, or escape of the pollutants is caused directly by such upset, overturn, or damage.

17. "Property damage" means physical damage to tangible property including destruction or loss of its use, which is caused solely by an accident covered under this policy and occurring while the policy is in force.

18. "Racing" means participating in any race, speed, demolition, stunt, or timed contest or activity, whether organized or not. Racing includes preparation for the contest or activity.

19. "Relative" means, if you are an individual, any person who is a resident of your household and is related to you by blood, marriage or adoption. It includes any minor residing in your household in the legal custody of you or a person related to you by blood, marriage, or adoption.

20. "Replacement auto" means an auto that you become the owner of and that you acquire or purchase during the policy period to take the place of an auto described on the Declarations page because of:

a. Termination of your ownership interest in an auto described on the Declarations page; or

b. Mechanical breakdown, theft, deterioration, or total loss of an auto described on the Declarations page, rendering it permanently inoperable.

21. "Resident" means, if you are an individual, a person living in your household, other than you or a relative.

22. "State" means the District of Columbia, any state, territory or possession of the United States, and any province of Canada.

23. "Substitute auto" means an auto you use temporarily while an auto described on the Declarations page is not available for use. Use of the substitute auto must result directly from servicing, repair, theft, destruction, or malfunction of the auto described on the Declarations page. Substitute auto does not include any vehicle that is owned by you, an employee, a resident, or a relative or that is regularly available to you, an employee, a resident, or a relative.

24. "Temporary worker" means a person who is furnished or available to you to substitute for a permanent employee on leave or to meet seasonal or short-term workload conditions.

25. "Trailer" includes any trailer designed to be towed by a pick-up, van or private passenger type auto. It also includes a farm wagon or implement while towed by a pick-up, van or private passenger-type auto. It does not include a semi-trailer or any other type of trailer designed to be towed by a truck-tractor.

26. "We," "us," and "our" mean the Company providing this insurance as shown on the Declarations page.

27. "You" and "your" mean the person or organization named as the insured on the Declarations page.

28. "Your insured auto" means:

a. An auto specifically described on the

Declarations page unless you have asked us to delete that auto from the policy.

b. A replacement auto if you notify us within thirty

(30) days after the date of acquisition. The replacement auto will have the same coverage as the auto it replaced. If the auto you are replacing was not insured for coverage for Part D - Coverage for Damage to Your Insured Auto, this coverage for Part D

- Coverage for Damage to Your Insured Auto will not apply to the replacement auto until you notify us of its acquisition and you have paid the applicable premium for coverage.

Proof of disposition of the auto being replaced will be required. All insurance for the auto being replaced ends when you take delivery of the replacement auto.

c. An additional auto if you notify us within seventy-two (72) hours of your acquisition of the auto. The additional auto will have the broadest coverage we now provide for any auto shown on the Declarations page as long as you notify us within seventy-two

(72) hours after the date of acquisition.

However, if this policy does not provide coverage for Part D - Coverage for Damage to Your Insured Auto, coverage will not apply until you have notified us of your desire to purchase coverage for Part D - Coverage for Damage to Your Insured Auto.

d. A substitute auto. A substitute auto is provided the same coverage as the auto which it temporarily replaces.

A temporary substitute vehicle that is leased, hired, rented, or borrowed with a driver does not meet the definition of your insured auto.

e. Any trailer with a load capacity of two thousand (2,000) pounds. or less or any trailer described on the Declarations page designed primarily for travel on public roads, but only while upon a public road and connected to a vehicle described in a., b., c., or d. above. However, no coverage shall be provided for a trailer under Part D - Coverage for Damage to Your Insured Auto, Page 5 Form No. 50250POL01 unless the appropriate premium has been paid for that coverage for such trailer.

For purposes of this policy any auto leased by you under a written agreement for a continuous period of at least six (6) months shall be deemed to be owned by you.

PART A - LIABILITY COVERAGE

INSURING AGREEMENT

If the Declarations page shows a premium charged for this coverage, we will pay damages, except punitive or exemplary damages, for which an insured is legally liable because of bodily injury or property damage because of an accident up to the limits stated on the Declaration page. We will investigate, settle, or defend, as we consider appropriate, any claim or suit which is payable under the policy. Our duty to settle or defend ends when our limit of liability for this coverage has been tendered or exhausted. We have no duty to defend any claim or action that is not covered by this policy

ADDITIONAL DEFINITIONS USED IN PART A

ONLY

1. "Insured" means:

a. You while any person named as a driver on the Declarations page is driving your insured auto.

b. A person driving your insured auto with your express or implied permission and within the scope of that permission.

The following persons using your insured auto will not be considered an insured under this Part: i. The owner of an auto you hire or borrow.

This exception does not apply if the auto is a trailer connected to your insured auto.

ii. Someone using your insured auto while he or she is working in an auto business.

iii. Anyone other than your employees, partners, or a borrower, or any of their employees, while moving property to or from your insured auto.

iv. Your employee if the auto is owned by that employee, that employee's relative, or a member of his or her household.

v. A partner of yours for an auto owned by that partner, that partner's relative, or a member of his or her household.

c. Anyone liable for the conduct of an insured described above but only to the extent of that liability. However, the owner or anyone else from whom you hire or borrow a covered auto is an insured only if that auto is a trailer connected to your insured auto.

ADDITIONAL BENEFITS - PART A ONLY

When we defend an insured under this Part, we will provide the following benefits:

1. All costs we incur in the settlement of a claim or

2.

entered against an insured and before we have offered to pay or deposited into court sums that are not more than our limit of liability, on damages awarded in a suit we defend.

3. Premiums on appeal and attachment bonds required in a suit we defend, provided that we will not pay the premium for bonds that are more than our limit of liability, and we have no duty to apply for or furnish these bonds.

4. Upon your request, the cost for issuance of a bond to release an attachment in any suit against an insured we defend. However, the amount of the bond will not be greater than our limit of liability under this Part.

5. Up to two hundred and fifty dollars ($250) for the cost of bail bonds (including bonds for related traffic law violations) because of an accident that we cover. However, will not apply for, nor obtain any bail bond.

6. Any other reasonable costs, other than loss of earnings, incurred by the insured at our request.

To receive an additional benefit under this section, you must submit a claim and provide proof of entitlement thereto.

EXCLUSIONS - PART A ONLY

READ THE FOLLOWING EXCLUSIONS

CAREFULLY. COVERAGE WILL NOT BE

AFFORDED UNDER THIS PART FOR ANY OF THE

EXCLUSIONS LISTED BELOW.

We do not cover:

1. Liability assumed under any contract or agreement.

2. Any obligation for which the insured or the insurer of that insured, even if the insurer does not exist, may be held liable under any workers' compensation, unemployment compensation or disability benefits law or under any similar law.

3. Bodily injury to any fellow employee of the insured arising out of and in the course of the fellow employee's employment or while performing duties related to the conduct of your business.

4. Property damage to any property owned by, rented to, being transported by, used by or in the care, custody or control of, an insured, including any motor vehicle operated or being towed.

5. Bodily injury or property damage resulting from the handling of property:

a. Before it is moved form the place where it is accepted by the insured for movement into defense of a suit.

The interest that accrues after judgment is

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Page 6 Form No. 50250POL01 or onto your insured auto; or

b. After it is moved from your insured auto to the place where it is finally delivered by the insured.

6. Bodily injury or property damage resulting from the movement of property by a mechanical device, other than a hand truck, unless the mechanical device is permanently attached to your insured auto.

7. Bodily injury or property damage arising out of your work after that work has been completed or abandoned. In this exclusion, your work means:

a. Work or operations performed by you or on your behalf; and

b. Materials, parts or equipment furnished in connection with such work or operations.

Your work includes warranties or representations made at any time with respect to the fitness, quality, durability or performance of any of the items included in paragraphs a. or

b. above.

Your work will be deemed completed at the earliest of the following times:

a. When all of the work called for in your contract has been completed.

b. When all of the work to be done at the site has been completed if your contract calls for work at more than one (1) site.

c. When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project.

Work that may need service, maintenance, correction, repair or replacement but which is otherwise complete, will be treated as completed.

8. Bodily injury, property damage or loss due to the erroneous or accidental delivery of liquids into an incorrect or improper receptacle, the erroneous or accidental delivery of a liquid other than that intended, expected or requested, or the delivery of any item to a wrong address.

This also includes warranties or representations about your work.

9. Bodily injury to:

a. An employee of the insured, arising out of and in the course of:

i. Employment by the insured; or

ii. Performing the duties related to the conduct of the insured's business; or

b. The spouse, child, parent, brother or sister of that employee, as a consequence of paragraph a. above.

This exclusion applies whether the insured may be liable as an employer or in any other capacity, and to any obligation to share damages with or repay someone else who must pay damages because of the injury.

This exclusion does not apply, however, to bodily injury to domestic employees who are not entitled to workers' compensation benefits.

For the purposes of this policy, a domestic employee is a person engaged in household or domestic work performed principally in connection with a residence or premises.

10. Bodily injury or property damage resulting from anyone loading or unloading your insured auto who is not your employee, a borrower of your insured auto.

11. Bodily injury or property damage expected or intended from the standpoint an insured.

12. Bodily injury to an insured.

This exclusion applies to amounts of coverage above the minimum statutory limits.

13. Bodily injury or property damage resulting from the ownership, maintenance, or use of a vehicle in any racing event, demolition contest, parade, performance, or other contest. This exclusion also applies in preparation for such a contest or activity.

14. Bodily injury or property damage for which a person is an insured under a nuclear energy liability insurance policy. This exclusion applies even if the limits of that insurance are exhausted.

15. Bodily injury or property damage arising out of the ownership, maintenance, or use of any auto, other than your insured auto, which is owned by or furnished or available for regular use by you or an insured.

16. Bodily injury or property damage arising out of auto business operations, including, but not limited to, the selling, repairing, servicing, storing or parking of autos, unless the business is your business and the use was declared on the application.

17. Bodily injury or property damage resulting from the ownership, maintenance, or use of a vehicle while it is being used as a public or livery conveyance. This exclusion does not apply to shared-expense car pools whose members are on the way to or from the same place of employment.

18. Bodily injury or property damage arising from the operation of any equipment listed in paragraphs 3.b. or 3.c. of the definition of auto.

19. Bodily injury or property damage caused by or through the ownership, use or operation of any mobile equipment or other apparatus attached to or pulled by your insured auto except while your insured auto is in transit on a public roadway.

20. Bodily injury or property damage arising directly or indirectly out of:

a. War, including undeclared or civil war;

b. Warlike action by a military force, including action hindering or defending against an actual or expected attack, by any government, sovereign or other authority

Page 7 Form No. 50250POL01 using military personnel or other agents; or

c. Insurrection, rebellion, revolution, usurped power, or action taken by government authority in hindering or defending against any of these.

21. Bodily injury or property damage caused by any auto when operated by a person under the minimum age to obtain a license to operate an auto in the state in which the auto is licensed.

22. Bodily injury or property damage arising out of pollution.

23. Bodily Injury or property damage caused when your insured auto is used to deliver property under time constraints, unless the business is your business and the use was specifically declared on the application.

24. Bodily injury or property damage resulting from the ownership, maintenance, or use of a motorized vehicle with fewer than four (4) wheels.

25. Bodily injury or property damage resulting from the ownership, maintenance, or use of a vehicle while it is being loaned, leased or rented to others, when used in someone else's business and regardless of whether it is pursuant to a written or oral contract.

26. Any loss, cost or expense arising out of any government direction or request that you test for, monitor, clean up, remove, contain, treat, detoxify, or neutralize pollutants.

27. Bodily injury or property damage caused by an auto when operated by:

a. A relative or resident, if you are an individual; or b.

An employee of yours; or

c. Any other regular user of your insured auto;

and who was not disclosed on the policy application or otherwise as a driver to be covered by this policy, or was not disclosed within thirty (30) days after becoming a driver subsequent to the date of the application.

If we are required to provide coverage for such operation, coverage will be restricted to the minimum limits as specified by a compulsory or financial responsibility law of the jurisdiction where the loss occurred and you agree to reimburse us for any such payment we make under this part.

28. Bodily injury or property damage sustained while in, upon, or getting into or out of that portion of any vehicle normally designed for cargo, regardless of use. This exclusion does not apply to the loading and unloading of your insured auto.

29. Bodily injury or property damage resulting from the explosion or discharge of Class A and B explosives, poisonous gas, liquid gas, compressed gas, or radioactive material and all other materials and/or commodities as listed in the Motor Carrier Act of 1980.

30. Bodily injury or property damage sustained as a result of the use of an auto by a person or persons specifically excluded by endorsement.

LIMITS OF LIABILITY - PART A ONLY

We will apply the limits of liability shown on the Declarations as follows:

Split Limits of Liability:

If the Declarations page show split limits of liability:

1. The bodily injury liability limit for "each person" is the maximum we will pay for all damages, including but not limited to damages for care, loss of companionship, loss of society, loss of consortium, loss of services and wrongful death because of bodily injury sustained by one

(1) person as the result of any one (1) accident.

Under the bodily injury limit for each person, bodily injury sustained by one (1) person includes all injury, including bodily injury, and damages to others resulting from this bodily injury.

2. The bodily injury liability limit for "each accident" is the maximum we will pay for all damages, including but not limited to damages for care, loss of companionship, loss of society, loss of consortium, loss of services and wrongful death because of bodily injury sustained by two

(2) or more persons as the result of any one (1) accident. This provision is subject to the bodily injury limit for each person.

3. The property damage liability limit for each accident is the maximum we will pay for all damages to property in any one (1) accident.

Combined Single Limit of Liability:

If the Declarations page show a Combined Single Limit of Liability, the limit shown is the maximum we will pay for all damages because of bodily injury and property damage sustained as the result of any one

(1) accident, including but not limited to damages for care and loss of services, loss of companionship, loss of society, loss of consortium and wrongful death to any one (1) or more persons resulting from any one

(1) accident.

Regardless of the number of covered autos, insureds, premiums paid, claims made or vehicles involved in the accident, the most we will pay for the total of all damages, resulting from any one (1) accident is the limit of insurance for Liability Coverage shown on the Declarations page.

No one will be entitled to receive duplicate payments for the same elements of loss under this coverage form and any Medical Payments coverage or Uninsured / Underinsured Motorists coverage attached to this coverage part. Any amount paid or payable under this coverage to or for an insured will be reduced by any payment made to that person under Part B - Medical Payments Coverage or Part C

- Uninsured/Underinsured Motorists Coverage of this policy.

If an accident occurs while your insured auto is attached to a trailer which is also an insured auto, Page 8 Form No. 50250POL01 our maximum limit of liability will be the highest limit applicable to any one

(1) insured auto. In no event shall the limits applicable to two (2) or more insured autos be added together to determine our limits of liability.

FEDERAL TORT CLAIMS ACT EXCLUSION

The following are not insured(s) under Part A of the policy:

1. The United States of America or any federal agency.

2. Any person for bodily injury or property damage resulting from a person acting in the scope of employment for the United States of America or any federal agency when the provisions of the Federal Tort Claims Act apply.

As used herein, "federal agency" means federal agency as defined in the Federal Tort Claims Act.

CONFORMITY WITH STATE FINANCIAL

RESPONSIBILITY LAWS

When we certify this policy as proof under a state financial responsibility law, it will comply with that law to the extent of the coverage and limits of liability required by that law.

If we make a payment that we would not be required to make except for the provisions of this section of the policy, you agree to reimburse us for any such payment.

OUT OF STATE COVERAGE

If an accident occurs in any state or province other than the one in which your insured auto is principally garaged and in which we are licensed to operate, we will interpret your policy as follows:

If the state or province has:

1. A motor vehicle financial responsibility law or similar law specifying limits of liability for bodily injury or property damage higher than the limit shown on the Declarations page, your policy will provide the higher limit.

2. A compulsory insurance law or similar law requiring a nonresident to maintain insurance whenever the nonresident uses a vehicle in that state or province, your policy will provide at least the minimum amounts and types of coverages.

The insurance afforded under this section shall be reduced to the extent that there is other valid and collectible insurance under this policy or any other motor vehicle insurance policy.

In no event will any person be entitled to receive duplicate payment for the same element of loss.

This Section shall not apply if you change your residence or domicile to a state other than the state in which this policy was written and you fail to purchase a liability insurance policy which complies with the financial responsibility laws of that state within thirty (30) days after you change your residence or domicile.

This Section shall not apply if your insured auto is in business and/or commercial use beyond the listed radius or while being used in the course of either going to or coming from any point beyond the radius stated on your policy's Declarations page.

If we provide additional coverage because of financial responsibility law or other law, we are entitled to collect appropriate premium for that coverage.

OTHER INSURANCE - PART A ONLY

If there is other applicable insurance we will pay only our share of the loss. Our share is the proportion that our limit of liability bears to the total of all applicable limits. However, any insurance we provide for an auto you do not own shall be excess over any other collectible insurance.

While a trailer, which is your insured auto, is connected to another vehicle, the liability coverage provided for the trailer is:

a. Excess while it is connected to a motor vehicle you do not own.

b. Primary while it is connected to your insured auto.

A trailer which is not your insured auto is not afforded coverage under this Part.

PART B - MEDICAL PAYMENTS COVERAGE

INSURING AGREEMENT

If the Declarations page shows a premium charged for this coverage, we will pay medical expenses not exceeding the limits shown on the Declarations page, incurred as a result of bodily injury caused by an accident and sustained by an insured. Coverage under this Part shall not apply if the accident or its consequences were either intended by the insured, or could have reasonably been expected from the viewpoint of the insured.

We will pay only for those expenses incurred for services rendered within one (1) year from the date of the accident.

ADDITIONAL DEFINITIONS USED IN PART B ONLY

As used in this Part:

1. "Accident" as used in this Part, shall also mean an unexpected and unintended event that causes bodily injury, and arises out of the ownership, maintenance, or use of an auto. Accident does not include continuous or repeated exposure to the same conditions causing bodily injury.

2. "Medical expenses" means usual and customary charges incurred for reasonable and necessary services rendered to or on behalf of an insured within one (1) year from the date of the

Page 9 Form No. 50250POL01 accident for: medical, surgical, x-ray, and dental services when performed by a licensed medical professional; pharmaceuticals; prosthetic devices; eye glasses; necessary ambulance, hospital, and professional nursing services when prescribed by a licensed medical professional;

and funeral services.

Reasonable medical expenses do not include expenses for treatment, services, products or procedures that are:

a. Experimental in nature, for research, or not primarily designed to serve a medical purpose; or

b. Not commonly and customarily recognized throughout the medical profession and within the United States as appropriate for the treatment of the bodily injury.

3. "Insured" means:

a. If the named insured shown on the

Declarations Page is an individual:

i. You while occupying any auto, other than an auto owned by you which is not your insured auto;

ii. A relative while occupying your insured auto or non-owned auto;

iii. You or any relative when struck by a land motor vehicle of any type while not occupying a motor vehicle;

iv. Any other person while occupying your insured auto; or

b. If the named insured shown on the Declarations page is a corporation, partnership, organization or any other entity that is not a natural person then an insured is any person occupying your insured auto.

4. "Usual and customary charge" means an amount that we determine that represents a customary charge for services in the geographical area in which service is rendered.

We shall determine the customary charge through the use of independent sources of our choice.

EXCLUSIONS - PART B ONLY

READ THE FOLLOWING EXCLUSIONS

CAREFULLY. COVERAGE WILL NOT BE

AFFORDED UNDER THIS PART FOR ANY OF

THE EXCLUSIONS LISTED BELOW.

We do not cover bodily injury:

1. That results from a nuclear reaction, radiation, or fallout.

2. Covered by a nuclear energy liability policy, even if the limits of that policy are exhausted.

3. That results from the maintenance or use of any auto without the express or implied permission of the owner or outside the scope of that express or implied permission.

4. That results from the ownership, maintenance, or use of an auto while used to transport persons or property for a fee or compensation. This exclusion does not apply to shared-expense car pools or to use by an insured of a motor vehicle in the course of an insured's volunteer work for a tax-exempt organization.

5. Arising out of the operation of equipment or machinery not listed on the Declarations page.

6. Resulting from the ownership, maintenance, or use of any auto other than your insured auto, which is owned by, furnished or available for the regular use of you, a relative, a resident, or a nonresident spouse.

7. Arising out of the ownership, maintenance, or use of any auto other than one with four (4) wheels.

8. Resulting from the ownership, maintenance, or use of an auto in any racing event, parade, performance or other contest.

9. Arising out of auto business operations, including, but not limited to, the selling, repairing, servicing, storing or parking of autos, unless the business is your business and the use was declared on the application.

10. Resulting from the ownership, maintenance, or use of a vehicle while it is being loaned, leased or rented to others, when used in someone else's business and regardless of whether it is pursuant to a written or oral contract.

11. Sustained while occupying any auto located for use or being…