ACCEPTED_CTR056668_GL_AL_WC_10.01.25-10.01.26.pdf
PDF 143 KB Posted
- Attached to
- Master Agreement AZ|CTR056668
- Contract number
- CTR056668
- Issued by
- Arizona
About this file
This document is a comprehensive insurance certificate and policy package for Pavement Marking, LLC, issued by multiple insurance carriers including Arch Specialty Insurance Company, Landmark American Insurance Company, QBE Specialty Insurance Company, and Safety National Casualty Corporation. The insurance covers the company's operations for the Arizona Department of Transportation (ADOT) under Contract #CTR05668, with the State of Arizona listed as the certificate holder. The policies include Commercial General Liability, Automobile Liability, Umbrella Liability, and Workers' Compensation insurance, effective from 10/1/2025 to 10/1/2026.
The insurance policies provide coverage for Pavement Marking, LLC's work performed on behalf of ADOT, with specific provisions for additional insured status and waiver of subrogation. The Commercial General Liability policy includes limits of $1,000,000 per occurrence, $2,000,000 general aggregate, and $1,000,000 for personal and advertising injury. The Automobile Liability coverage includes a $1,000,000 combined single limit, and the Umbrella Liability provides an additional $5,000,000 in coverage. The Workers' Compensation policy includes coverage for employee injuries with statutory limits. The policies are structured to provide primary and non-contributory coverage for the State of Arizona, with various endorsements expanding the scope of protection for operations, hired autos, and potential gaps in existing coverage.
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Text version
ANY PROPRIETOR/PARTNER/EXECUTIVE
OFFICER/MEMBER EXCLUDED?
INSR ADDL SUBR
LTR INSD WVD
DATE (MM/DD/YYYY)
PRODUCER CONTACT
NAME:
FAXPHONE
(A/C, No):(A/C, No, Ext):
ADDRESS:
INSURER A :
INSURED INSURER B :
INSURER C :
INSURER D :
INSURER E :
INSURER F :
POLICY NUMBER
POLICY EFF POLICY EXP
TYPE 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 RENTED
CLAIMS-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 AGG $JECT
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 LIMIT $DESCRIPTION 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.
The ACORD name and logo are registered marks of ACORDACORD 25 (2016/03)
CERTIFICATE OF LIABILITY INSURANCE
Lockton Companies, LLC
DBA Lockton Insurance Brokers, LLC in CA
CA license #0F15767
13710 FNB Pkwy., Ste. 400
Omaha NE 68154
(402) 970-6100 kcasu@lockton.com
PAVEMENT MARKING, LLC
FKA PAVEMENT MARKING, INC.
1001 S. 54TH AVE
PHOENIX AZ 85043
Arch Specialty Insurance Company 21199 Landmark American Insurance Company 33138
QBE Specialty Insurance Company 11515 Safety National Casualty Corporation 15105
X X
1,000,000 300,000 10,000 1,000,000 2,000,000 2,000,000
X
X X
1,000,000
XXXXXXX
XXXXXXX
XXXXXXX
XXXXXXX
X X 5,000,000 5,000,000
XXXXXXX
N
X
1,000,000 1,000,000 1,000,000
B CA 6676958 10/1/2025 10/1/2026
A 140010403 10/1/2025 10/1/2026
C UXP1053271-01 10/1/2025 10/14/2025
D LHA104610
B LDS4069590 10/1/2025 10/1/2026
B PS4069589 10/1/2025 10/1/2026
10/14/2025
1458947
Y Y
Y Y
N N
Y
9/30/2025
18485434
18485434 XXXXXXX
State of Arizona Arizona Department of Transportation 1739 W. Jackson Street, Suite A, MD 100P Phoenix AZ 85007
RE: For any and all work performed on or behalf of ADOT and the State of Arizona - Contract #: CTR05668. State of Arizona, Arizona Department of Transportation is an additional insured on general liability, on a primary and non-contributory basis, and automobile liability if required by written contract. Waiver of subrogation on general liability, automobile liability, and workers' compensation in favor of the additional insureds where allowable by law.
X
See Attachments
Cindy Lewis Accepted
Policy #: 140010403
GA 4523 05 20
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
BROAD FORM CONTRACTORS ADDITIONAL INSURED -
AUTOMATIC STATUS AND AUTOMATIC WAIVER OF
SUBROGATION WHEN REQUIRED IN WRITTEN CONTRACT,
AGREEMENT, PERMIT OR AUTHORIZATION
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Additional Insured - Owners, Lessees Or Contractors - Automatic Status For Other Parties When Required In Written Contract Or Agreement With You
1. Section II - Who Is An Insured is amended to include as an additional insured any person or organization you have agreed in writing in a contract or agreement to add as an additional insured on this Coverage Part. Such per-son(s) or organization(s) is an additional insured only with respect to liability for:
a. "Bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by the performance of your ongoing operations by you or on your behalf, under that written contract or written agreement. Ongoing operations does not apply to "bodily injury" or "property damage" occurring after:
(1) 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
(2) 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; and
b. "Bodily injury" or "property damage" caused, in whole or in part, by "your work" performed under that written contract or written agreement and included in the "products-completed operations hazard", but only if:
(1) The Coverage Part to which this endorsement is attached provides coverage for "bodily injury" or "property damage" included within the "products-completed operations hazard"; and
(2) The written contract or written agreement requires you to provide additional insured coverage included within the "products-completed operations hazard" for that person or organization.
If the written contract or written agreement requires you to provide additional insured coverage included within the "products-completed operations hazard" for a specified length of time for that person or organization, the "bodily injury" or "property damage" must occur prior to the expiration of that period of time in order for this insurance to apply.
If the written contract or written agreement requires you to provide additional insured coverage for a person or organization per only ISO additional insured endorsement form number CG 20 10, without specifying an edition date, and without specifically requiring additional insured coverage included within the “products-completed operations hazard”, this Paragraph b. does not apply to that person or organization.
2. If the written contract or written agreement described in Paragraph 1. above specifically requires you to provide additional insured coverage to that person or organization:
a. Arising out of your ongoing operations or arising out of "your work"; or
a. By way of an edition of an ISO additional insured endorsement that includes arising out of your ongoing operations or arising out of "your work";
then the phrase caused, in whole or in part, by in Paragraph A.1.a. and/or Paragraph A.1.b.
above, whichever applies, is replaced by the phrase arising out of.
3. With respect to the insurance afforded to the additional insureds described in Paragraph A.1., the following additional exclusion applies:
Attachment Code: D564764 Certificate ID: 18485434
This insurance does not apply to "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 surveying services, including:
a. The preparing, approving or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or
b. Supervisory, inspection, architectural or engineering activities.
This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "occurrence" which caused the "bodily injury" or "property damage", or the offense which caused the "personal and advertising injury", involved the rendering of, or the failure to render, any professional architectural, engineering or surveying services.
4. This Paragraph A. does not apply to addi-tional insureds described in Paragraph B.
B. Additional Insured - State Or Governmental Agency Or Subdivision Or Political Subdivision - Automatic Status When Required In Written Permits Or Authorizations
1. Section II - Who Is An Insured is amended to include as an additional insured any state or governmental agency or subdivision or political subdivision you have agreed in writing in a permit or authorization to add as an additional insured on this Coverage Part. Such state or governmental agency or subdivision or political subdivision is an additional insured only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued, in writing, a permit or authorization.
1. With respect to the insurance afforded to the additional insureds described in Paragraph B.1., the following additional exclusions apply:
This insurance does not apply to:
a. "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or
b. "Bodily injury" or "property damage" included within the "products-completed operations hazard."
C. The insurance afforded to additional insureds described in Paragraphs A. and B.:
1. Only applies to the extent permitted by law; and
2. Will not be broader than that which you are required by the written contract, written agreement, written permit or written authorization to provide for such additional insured; and
3. Does not apply to any person, organization, state, governmental agency or subdivision or political subdivision specifically named as an additional insured for the same project in the schedule of an en-dorsement added to this Coverage Part.
However, Paragraphs C.1. and C.2. above do not apply if the applicable written contract, written agreement, written permit or written authorization requires an edition of an ISO additional insured endorsement that does not include these provisions.
D. With respect to the insurance afforded to the additional insureds described in Paragraphs A. and B., the following is added to Section III - Limits Of Insurance:
1. The most we will pay on behalf of the additional insured is the amount of insurance:
a. Required by the written contract, written agreement, written permit or written authorization described in Paragraphs A. and B. For the purpose of determining the required amount of insurance only, we will include the minimum amount of any Umbrella Liability or Excess Liability coverage required for that additional insured in that written contract, written agreement, written permit or written authorization; or
b. Available under the applicable limits of insurance;
whichever is less.
However, Paragraph D.1. does not apply if the applicable written contract, written agreement, written permit or written authorization requires an edition of an ISO additional insured endorsement that does not include these provisions.
2. This endorsement shall not increase the applicable limits of insurance.
E. Section IV - Commercial General Liability Conditions is amended to add the following:
Automatic Additional Insured Provision
This insurance applies only if the "bodily injury" or "property damage" occurs, or the "personal and advertising injury" offense is committed:
1. During the policy period; and
2. Subsequent to your execution of the written contract or written agreement, or the issuance of a written permit or written authorization, described in Paragraphs A. and B.
F. Except when G. below applies, the following is added to Section IV - Commercial General Liability Conditions, Other Insurance, and supersedes any provision to the contrary:
When Other Additional Insured Coverage Applies On An Excess Basis
This insurance is primary to other insurance available to the additional insured described in Paragraphs A.
and B. except:
1. As otherwise provided in Section IV - Commercial General Liability Conditions, Other Insurance,
b. Excess Insurance; or
2. For any other valid and collectible insurance available to the additional insured as an additional insured on another insurance policy that is written on an excess basis. In such case, this insurance is also excess.
G. The following is added to Section IV - Commercial General Liability Conditions, Other Insurance, and supersedes any provision to the contrary:
Primary Insurance When Required By Written Contract, Agreement, Permit Or Authorization
Except when wrap-up insurance applies to the claim or "suit" on behalf of the additional insured, this insurance is primary to any other insurance available to the additional insured described in Paragraphs A.
and B. provided that:
1. The additional insured is a Named Insured under such other insurance; and
2. You have agreed in writing in a contract, agreement, permit or authorization described in Paragraph A. or B. that this insurance would be primary to any other insurance available to the additional in-sured.
As used in this endorsement, wrap-up insurance means a centralized insurance program under which one party has secured either insurance or self-insurance covering some or all of the contractors or subcontractors performing work on one or more specific project(s).
Primary And Noncontributory Insurance When Required By Written Contract, Agreement, Permit Or Authorization
Except when wrap-up insurance applies to the claim or "suit" on behalf of the additional insured, this insurance is primary to and will not seek contribution from any other insurance available to the additional insured described in Paragraphs A. and B. provided that:
1. The additional insured is a Named Insured under such other insurance; and
2. You have agreed in writing in a contract, agreement, permit or authorization described in Paragraph A. or B. that this insurance would be primary and would not seek contribution from any other insur-ance available to the additional insured.
As used in this endorsement, wrap-up insurance means a centralized insurance program under which one party has secured either insurance or self-insurance covering some or all of the contractors or subcontractors performing work on one or more specific project(s).
H. Section IV - Commercial General Liability Conditions, Transfer Of Rights Of Recovery Against Others To Us is amended by the addition of the following:
Waiver of Subrogation
We waive any right of recovery against any additional insured under this endorsement, because of any payment we make under this endorsement, to whom the insured has waived its right of recovery in a written contract, written agreement, written permit or written authorization. Such waiver by us applies only to the extent that the insured has waived its right of recovery against such additional insured prior to loss.
Policy #: CA 6676958
AA 288 06 20
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CinciPlus®
BUSINESS AUTO XC+®
(EXPANDED COVERAGE PLUS)
ENDORSEMENT
This endorsement modifies insurance provided by the following:
BUSINESS AUTO COVERAGE FORM
With respect to the coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by this endorsement.
A. Blanket Waiver of Subrogation
SECTION IV - BUSINESS AUTO CONDITIONS, A. Loss Conditions, 5. Transfer of Rights of Recovery Against Others to Us is amended by the addition of the following:
We waive any right of recovery we may have against any person or organization because of payments we make for "bodily injury" or "property damage" arising out of the operation of a covered "auto" when you have assumed liability for such "bodily injury" or "property damage" under an "insured contract", provid-ed the "bodily injury" or "property damage" occurs subsequent to the execution or the "insured contract".
B. Noncontributory Insurance
SECTION IV - BUSINESS AUTO CONDITIONS, B. General Conditions, 5. Other Insurance c. is deleted in its entirety and replaced by the following:
c. Regardless of the provisions of Paragraph a. above, this Coverage Form's Liability Coverage is primary and we will not seek contribution from any other insurance for any liability assumed under an "insured contract" that requires liability to be assumed on a primary noncontributory basis.
C. Additional Insured by Contract
SECTION II - LIABILITY COVERAGE, A. Coverage, 1. Who is an Insured is amended to include as an insured any person or organization for whom you have agreed in a valid written contract to provide insurance as afforded by this policy.
This provision is limited to the scope of the valid written contract.
This provision does not apply unless the valid written contract has been:
1. Executed prior to the accident causing "bodily injury" or "property damage"; and
2. Is still in force at the time of the "accident" causing "bodily injury" or "property damage".
D. Employee Hired Auto
1. Changes in Liability Coverage
The following is added to the SECTION II - LIABILITY COVERAGE, A. Coverage, 1. Who is an Insured:
An "employee" of yours is an "insured" while operating an "auto" hired or rented under a contract or agreement in that "employee's" name, with your permission, while performing duties related to the conduct of your business.
2. Changes in General Conditions
SECTION IV - BUSINESS AUTO CONDITIONS, B. General Conditions, 5. Other Insurance is deleted in its entirety and replaced by the following:
Attachment Code: D560237 Certificate ID: 18485434
b. For Hired Auto Physical Damage Coverage the following are deemed to be covered "autos" you own:
(1) Any covered "auto" you lease, hire, rent or borrow; and
(2) Any covered "auto" hired or rented by your "employee" under a contract in that individual "employee's" name, with your permission, while performing duties related to the conduct of your business. However, any "auto" that is leased, hired, rented or borrowed with a driver is not a covered "auto".
E. Audio, Visual and Data Electronic Equipment
SECTION III - PHYSICAL DAMAGE COVERAGE, C. Limit of Insurance is amended by adding the following:
4. The most we will pay for all "loss" to audio, visual or data electronic equipment and any accessories used with this equipment as a result of any one "accident" is the lesser of:
a. The actual cash value of the damaged or stolen property as of the time of the "accident";
b. The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality; or
c. $2,500.
Provided the equipment, at the time of the "loss" is:
a. Permanently installed in or upon the covered "auto" in a housing, opening or other location that is not normally used by the "auto" manufacturer for the installation of such equipment;
b. Removable from a permanently installed housing unit as described in Paragraph 2.a. above; or
c. An integral part of such equipment.
F. Who is an Insured - Amended
SECTION II - LIABILITY COVERAGE, A. Coverage, 1. Who is an Insured is amended by adding the following:
The following are "insureds":
1. Any subsidiary which is a legally incorporated entity of which you own a financial interest of more than 50% of the voting stock on the effective date of this coverage form.
However, the insurance afforded by this provision does not apply to any subsidiary that is an "insured" under any other automobile liability policy or would be an "insured" under such policy but for termination of such policy or the exhaustion of such policy's limits of insurance.
2. Any organization that is newly acquired or formed by you and over which you maintain majority ownership. The insurance provided by this provision:
a. Is effective on the date of acquisition or formation, and is afforded for 180 days after such date;
b. Does not apply to "bodily injury" or "property damage" resulting from an "accident" that occurred before you acquired or formed the organization;
c. Does not apply to any newly acquired or formed organization that is a joint venture or partnership; and
d. Does not apply to an insured under any other automobile liability policy or would be an insured under such a policy but for the termination of such policy or the exhaustion of such policy's limits of insurance.
3. Any of your "employees" while using a covered "auto" in your business or your personal affairs, provided you do not own, hire or borrow that "auto".
G. Liability Coverage Extensions - Supplementary Payments - Higher Limits
SECTION II - LIABILITY COVERAGE, A. Coverage, 2. Coverage Extensions, a. Supplementary Payments is amended by:
1. Replacing the $2,000 Limit of Insurance for bail bonds with $4,000 in (2); and
2. Replacing the $250 Limit of Insurance for reasonable expenses with $500 in (4).
H. Amended Fellow Employee Exclusion
SECTION II - LIABILITY COVERAGE, B. Exclusions, 5. Fellow Employee is modified as follows:
Exclusion 5. Fellow Employee is deleted.
I. Hired Auto - Physical Damage
If hired "autos" are covered "autos" for Liability Coverage, then Comprehensive and Collision Physical Damage Coverages as provided under SECTION III - PHYSICAL DAMAGE COVERAGE of this Coverage Part are extended to "autos" you hire, subject to the following:
1. The most we will pay for "loss" to any hired "auto" is $50,000 or the actual cash value or cost to repair or replace, whichever is the least, minus a deductible.
2. The deductible will be equal to the largest deductible applicable to any owned "auto" for that coverage, or $1,000, whichever is less.
3. Hired Auto - Physical Damage coverage is excess over any other collectible insurance.
4. Subject to the above limit, deductible, and excess provisions we will provide coverage equal to the broadest coverage applicable to any covered "auto" you own insured under this policy.
Coverage includes loss of use of that hired auto, provided it results from an "accident" for which you are legally liable and as a result of which a monetary loss is sustained by the leasing or rental concern. The most we will pay for any one "accident" is $3,000.
If a limit for Hired Auto - Physical Damage is shown in the Schedule, then that limit replaces, and is not added to, the $50,000 limit indicated above and the deductibles shown in the Schedule are applicable.
J. Rental Reimbursement
SECTION III - PHYSICAL DAMAGE COVERAGE is amended by adding the following:
1. We will pay for rental reimbursement expenses incurred by you for the rental of an "auto" because of a "loss" to a covered "auto". Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto". No deductible applies to this coverage.
2. We will pay only for those expenses incurred during the policy period beginning 24 hours after the "loss" and ending, regardless of the policy's expiration, with the lesser of the following number of days:
a. The number of days reasonably required to repair the covered "auto". If "loss" is caused by theft, this number of days is added to the number of days it takes to locate the covered "auto" and return it to you; or
b. 30 days.
3. Our payment is limited to the lesser of the following amounts:
a. Necessary and actual expenses incurred; or
b. $50 per day.
4. This coverage does not apply while there are spare or reserve "autos" available to you for your operations.
5. We will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions.
A. Transportation Expense - Higher Limits
SECTION III - PHYSICAL DAMAGE COVERAGE, A. Coverage, 4. Coverage Extensions is amended by replacing $20 per day with $50 per day, and $600 maximum with $1,500 maximum in Extension a. Transportation Expenses.
B. Airbag Coverage
SECTION III - PHYSICAL DAMAGE COVERAGE, B. Exclusions, 3.a. is amended by adding the following:
However, the mechanical and electrical breakdown portion of this exclusion does not apply to the accidental discharge of an airbag. This coverage for airbags is excess over any other collectible insurance or warranty.
C. Loan or Lease Gap Coverage
1. SECTION III - PHYSICAL DAMAGE COVERAGE, C. Limit of Insurance is deleted in its entirety and replaced by the following, but only for private passenger type "autos" with an original loan or lease, and only in the event of a "total loss" to such a private passenger type "auto":
a. The most we will pay for "loss" in any one "accident" is the greater of:
(1) The amount due under the terms of the lease or loan to which your covered private passenger type "auto" is subject, but will not include:
(a) Overdue lease or loan payments;
(b) Financial penalties imposed under the lease due to high mileage, excessive use or abnormal wear and tear;
(c) Security deposits not refunded by the lessor;
(d) Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease; and
(e) Carry-over balances from previous loans or leases, or
(2) Actual cash value of the stolen or damaged property.
b. An adjustment for depreciation and physical condition will be made in determining actual cash value at the time of "loss".
2. SECTION V - DEFINITIONS is amended by adding the following, but only for the purposes of this Loan or Lease Gap Coverage:
"Total loss" means a "loss" in which the cost of repairs plus the salvage value exceeds the actual cash value.
N. Glass Repair - Waiver of Deductible
SECTION III - PHYSICAL DAMAGE COVERAGE, D. Deductible is amended by adding the following:
No deductible applies to glass damage if the glass is repaired in a manner acceptable to us rather than replaced.
O. Duties in the Event of an Accident, Claim, Suit or Loss - Amended
SECTION IV - BUSINESS AUTO CONDITIONS, A. Loss Conditions, 2. Duties in the Event of Accident, Claim, Suit or Loss, a. is amended by adding the following:
This condition 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. An executive officer or insurance manager, if you are a corporation; or
4. A member or manager, if you are a limited liability company.
P. Unintentional Failure to Disclose Hazards
SECTION IV - BUSINESS AUTO CONDITIONS, B. General Conditions, 2. Concealment, Misrepresentation or Fraud is amended by adding the following:
However, if you unintentionally fail to disclose any hazards existing on the effective date of this Coverage Form, we will not deny coverage under this Coverage Form because of such failure.
Q. Mental Anguish Resulting from Bodily Injury
SECTION V - DEFINITIONS, C. "Bodily injury" is deleted in its entirety and replaced by the following:
"Bodily injury" means bodily injury, sickness or disease sustained by a person, including mental anguish and death sustained by the same person that results from such bodily injury, sickness or disease. "Bodily injury" does not include mental anguish or death that does not result from bodily injury, sickness or disease.
R. Coverage for Certain Operations in Connection with Railroads
With respect to the use of a covered "auto" in operations for or affecting a railroad:
1. SECTION V - DEFINITIONS, H. "Insured contract", 1.c. is deleted in its entirety and replaced by the following:
c. An easement or license agreement;
2. SECTION V - DEFINITIONS, H. "Insured contract", 2.a. is deleted.
Policy : LDS4069590
WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY
WAIVER OF OUR RIGHT TO RECOVER FROM OTHERS
ENDORSEMENT
We have the right to recover our payments from anyone liable for an injury covered by this policy. We will not enforce our right against the person or organization named in the Schedule.
This agreement shall not operate directly or indirectly to benefit anyone not named in the Schedule.
Schedule
ANY PERSON OR ORGANIZATION FOR WHICH THE NAMED INSURED HAS AGREED BY WRITTEN
CONTRACT EXECUTED PRIOR TO LOSS TO FURNISH THIS WAIVER.
This endorsement changes the policy to which it is attached and is effective on the date issued unless other-wise stated.
(The information below is required only when this endorsement is issued subsequent to preparation of the policy.)
Endorsement Effective 10/1/2025 Policy No. LDS4069590 Endorsement No.
Insured PAVEMENT MARKING, LLC
Insurance Company Premium $
Countersigned by
WC 00 03 13
© 1983 National Council on Compensation Insurance.
Attachment Code: D560189 Certificate ID: 18485434
File details come from the government source that posted it. Updated .