COI.pdf

INSR ADDL SUBR

LTR INSR WVD

DATE (MM/DD/YYYY)

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 EXP

TYPE OF INSURANCE LIMITS(MM/DD/YYYY) (MM/DD/YYYY)

COMMERCIAL GENERAL LIABILITY

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

INSURER(S) AFFORDING COVERAGE NAIC #

Y / N

N / A (Mandatory in NH)

ANY PROPRIETOR/PARTNER/EXECUTIVE

OFFICER/MEMBER EXCLUDED?

EACH OCCURRENCE $

DAMAGE TO RENTED

$PREMISES (Ea occurrence)CLAIMS-MADE OCCUR

MED EXP (Any one person) $

PERSONAL & ADV INJURY $

GENERAL AGGREGATE $GEN'L AGGREGATE LIMIT APPLIES PER:

PRODUCTS - COMP/OP AGG $

PRO-

OTHER:

LOCJECT

COMBINED SINGLE LIMIT

$(Ea accident)

BODILY INJURY (Per person) $ANY AUTO OWNED SCHEDULED BODILY INJURY (Per accident) $AUTOS ONLY AUTOS

AUTOS ONLY

HIRED PROPERTY DAMAGE $

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

POLICY

NON-OWNED

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 any 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)

ACORDTM CERTIFICATE OF LIABILITY INSURANCE

AMCO Insurance Company

Copperpoint National Insurance Company

Professional Solutions Ins Co

Nationwide Mutual Insurance Company

3/05/2024

USI Insurance Services LLC 2375 E. Camelback Rd, Suite 250 Phoenix, AZ 85016

Jake Keltner 602.374.1336 jacob.keltner@usi.com

Lutheran Social Services of the Southwest 2502 E University Dr Suite 125 Phoenix, AZ 85034

19100 13929 11127 23787

A X

X

X X ACP3049653847 03/01/2024 03/01/2025 1,000,000

100,000 5,000 1,000,000 3,000,000 3,000,000

D X

X X

X X ACP3049653847 03/01/2024 03/01/2025 1,000,000

A X X

X 10,000

ACP3049653847 03/01/2024 03/01/2025 5,000,000

5,000,000

B

N

X 1011811 03/01/2024 03/01/2025 X 1,000,000

1,000,000 1,000,000

A A C

Hu Svcs Prof Liab Abuse/Molestation Crime

ACP3049653847

ACP3049653847

IK968DMLA241

03/01/2024 03/01/2024 03/01/2024

03/01/2025 03/01/2025 03/01/2025

*See Description *See Description $500,000/$25,000 Ded

*Human Services Professional Liability - Limits: $1,000,000 Occurrence/$3,000,000 Aggregate *Abuse/Molestation Liability - Limits: $1,000,000 Occurrence/$3,000,000 Aggregate

The General Liability and Auto Liability policy includes an automatic Additional Insured endorsement that provides Additional Insured status to the Certificate Holder only when there is a written contract that (See Attached Descriptions)

Arizona Department of Child Safety Office of Procurement 3003 N. Central Ave., 20th Floor Phoenix, AZ 85012-0000

#S43972023/M43967923

LUTHESOC7Client#: 1486119

SJSZR

#S43972023/M43967923

SAGITTA 25.3 (2016/03)

DESCRIPTIONS (Continued from Page 1) requires such status, and only with regard to work performed on behalf of the named insured. The General Liability policy contains a special endorsement with "Primary and Noncontributory" wording, when required by written contract. The General Liability, Auto Liability and Workers Compensation policies provides a Waiver of Subrogation when required by written contract.

Certificate Number: 1007: RE: Child Abuse Prevention. Additional Insured includes: The State of Arizona and the Department of Child Safety.

#S43972023/M43967923

Policy Number: ACP3049653847

This page has been left blank intentionally.

COMMERCIAL AUTO

AC 70 05 03 16

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS AUTO PROTECTION - GOLD

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

SUMMARY OF COVERAGES

A. Effect of This Endorsement

B. Newly Acquired or Formed Entities

C. Employees as Insureds – Nonowned Autos

D. Additional Insured by Contract, Permit or Agreement

E. Supplementary Payments – Bail Bonds

F. Supplementary Payments – Loss of Earnings

G. Personal Effects and Property of Others Extension

H. Prejudgment Interest Coverage

I. Fellow Employee – Officer, Managers and Supervisors

J. Hired Auto Physical Damage

K. Temporary Substitute Autos – Physical Damage Coverage

L. Expanded Towing Coverage

M. Auto Loan or Lease Coverage

N. Original Equipment Manufacturer Parts – Leased Private Passenger Types

O. Deductible Amendments

P. Rental Reimbursement Coverage

Q. Expanded Transportation Expense

R. Extra Expense – Stolen Autos

S. Physical Damage Limit of Insurance

T. New Vehicle Replacement Cost

U. Physical Damage Coverage Extension

V. Transfer of Rights of Recovery Against Others To Us

W. Section IV – Business Auto Conditions – Notice of and Knowledge of Occurrence

X. Hired Car Coverage Territory

Y. Emergency Lock Out

Z. Cancellation Condition

AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc. Page 1 of 7 with its permission

Policy Number: ACP3049653847

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. NEWLY ACQUIRED OR FORMED ENTITIES

The Named Insured shown in the Declarations is amended to include any organization you newly acquire or form, other than a partnership, joint venture, or limited liability company, and over which you maintain ownership or majority (more than 50%) interest; if there is no other similar in-surance available to that organization. Coverage under this provision is afforded until the 180th day after you acquire or form the organization or the end of the policy period, whichever is later.

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 In-sured of SECTION II – COVERED AUTOS

LIABILITY COVERAGE:

Any person or organization that you are re-quired 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 L iability coverage. How-ever, 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 endorsement to an additional insured shall be primary and any other valid and collectible insurance avail-able to the additional insured shall be non-contributory with this insurance. If the written contract does not require this coverage to be primary and the additional insured’s coverage to be non-contributory, then this insurance will be excess over any other valid and collectible insur-ance available to the additional insured.

E. SUPPLEMENTARY PAYMENTS – BAIL

BONDS

Supplementary Payments of SECTION II – COVERED AUTOS LIABILITY COVERAGE is revised as follows:

(2) Up to $2,500 for cost of bail bonds (including bonds for related traffic law violations) required because of an “accident” we cover.

We do not have to furnish these bonds.

F. SUPPLEMENTARY PAYMENTS – LOSS OF

EARNINGS

Supplementary Payments of the SECTION II – COVERED AUTOS LIABILITY COVERAGE is revised as follows:

(4) All reasonable expenses incurred by the “in-sured” at our request, including actual loss of earnings up to $500 a day because of time off from work.

G. PERSONAL EFFECTS AND PROPERTY OF

OTHERS EXTENSION

1. The. Care, Custody or Control Exclusion of

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 A.4.

Coverage 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.

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H. PREJUDGMENT INTEREST COVERAGE

The following paragraph is added to SECTION II

– COVERED AUTOS LIABILITY COVERAGE,

2. Coverage Extensions, a. Supplementary Payments:

(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.

I. FELLOW EMPLOYEE – OFFICERS,

MANAGERS, AND SUPERVISORS

The Fellow Employee Exclusion in SECTION II

– COVERED AUTOS LIABILITY COVERAGE is replaced as follows;

A. "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 con-duct of your business. This exclusion does not apply to an "insured" who occupies a position as an officer, manager, or supervi-sor.

J. HIRED AUTO PHYSICAL DAMAGE

If covered "auto" designation symbols 1 or 8 ap-ply to Liability Coverage and if at least one "au-to" you own is covered by this policy for Com-prehensive, Specified Causes of Loss, or Colli-sion coverages, then the Physical Damage coverages provided are extended to "autos" you lease, hire, rent or borrow without a driver; and provisions in the Business Auto Coverage Form applicable to Hired Auto Physical Damage apply up to a limit of $100,000. The deductible will be equal to the largest deductible applicable to any owned "auto" for that coverage. Any Compre-hensive deductible does not apply to fire or lightning.

K. TEMPORARY SUBSTITUTE AUTOS –

PHYSICAL DAMAGE COVERAGE

The following is added to paragraph C. Certain Trailers, Mobile Equipment And Temporary Substitute Autos of SECTION I - COVERED

AUTOS:

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.

L. EXPANDED TOWING COVERAGE

1. We will pay up to:

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

b. $500 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. Howev-er, 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”.

M. AUTO LOAN OR LEASE COVERAGE

1. In the event of a total "loss" to a covered "auto", we will pay any unpaid amount due on the loan or lease, including up to a max-imum of $500 for early termination fees or penalties, for your covered "auto" less:

a. The amount paid under SECTION III – PHYSICAL DAMAGE COVERAGE of this policy; and

b. Any:

1) Overdue lease/loan payments at the time of the "loss";

2) Financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage;

3) Security deposits not refunded by a lessor;

4) Costs of extended warranties, Credit Life insurance, Health, Accident, or Disability insurance purchased with the lease; and

AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc., Page 3 of 7

5) Carry-over balances from previous leases.

2. This coverage only applies to a "loss" which is also covered under this policy for Com-prehensive, Specified Causes of Loss, or Collision coverage.

3. Coverage does not apply to any unpaid amount due on a loan for which the covered “auto” is not the sole collateral.

N. ORIGINAL EQUIPMENT MANUFACTURER

PARTS – LEASED PRIVATE PASSENGER

TYPES

Under Paragraph C. Limit of Insurance of

SECTION III – PHYSICAL DAMAGE

COVERAGE, Section 4 is added as follows:

4. We will use new original equipment vehicle manufacturer parts for any private passen-ger type covered “auto” where required by the lease agreement which has a term of at least six months. If a new original equip-ment vehicle manufacturer part is not in pro-duction or distribution we may use a like, kind and quality replacement part.

O. DEDUCTIBLE AMENDMENTS

The following are added to the Deductible provi-sion of SECTION III – PHYSICAL DAMAGE

COVERAGE:

If another policy or coverage form that is not an automobile policy or coverage form issued by this company applies to the same “accident”, the following applies:

1. If the deductible under this coverage is the smaller (or smallest) deductible, it will be waived:

2. If the deductible under this coverage is not the smaller (or smallest) deductible, it will be reduced by the amount of the smaller (or smallest) deductible.

If a Comprehensive or Specified Causes of Loss Coverage “loss” from one “accident” involves two or more covered “autos”, only the highest deductible applicable to those coverages will be applied to the “accident,” if the cause of the loss is covered for those vehicles. This provision only applies if you carry Comprehensive or Specified Causes of Loss Coverage for those vehicles, and does not extend coverage to any covered “autos” for which you do not carry such coverage.

No deductible applies to glass if the glass is re-paired, in a manner acceptable to us, rather than replaced.

P. RENTAL REIMBURSEMENT COVERAGE

1. This coverage applies only to a covered "au-to" for which Physical Damage Coverage is provided on this policy.

2. We will pay for rental reimbursement ex-penses incurred by you for the rental of an "auto" because of "loss" to a covered "auto".

Payment applies in addition to the otherwise applicable amount of each coverage you have on a covered "auto." No deductibles apply to this coverage.

3. 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 or replace 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.

b. The number of days shown in the Schedule.

4. Our payment is limited to the lesser of the following amounts:

a. Necessary and actual expenses incurred.

b. $75 for any one day or for a maximum of 30 days.

5. This coverage does not apply while there are spare or reserve "autos" available to you for your operations.

6. If "loss" results from the total theft of a cov-ered "auto" of the private passenger type, we will pay under this coverage only that amount of your rental reimbursement ex-penses which is not already provided for un-der SECTION III – PHYSICAL DAMAGE COVERAGE Coverage Extension.

Q. EXPANDED TRANSPORTATION EXPENSE

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

We will pay up to $50 per day to a maximum of $1500 for temporary transportation expense in-curred by you because of the total theft of a

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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 24 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".

R. 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

S. PHYSICAL DAMAGE LIMIT OF INSURANCE

Under SECTION III – PHYSICAL DAMAGE COVERAGE, Paragraph C., Limit of Insurance is replaced by the following:

C. Limit Of Insurance

1. The most we will pay for “loss” in any one “accident” is the lesser of:

a. The actual cash value of the damaged or stolen property as of the time of the “loss”, or

b. The cost of repairing or replacing the damaged or stolen property.

2. $1500 is the most we will pay for “loss” in any one “accident” to all electronic equip-ment that reproduces, receives or transmits audio, visual or data signals which, at the time of “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 in-stallation of such equipment.

b. Removable from a permanently installed housing unit as described in Paragraph 2.a. above or is an integral part of that equipment; or

c. An integral part of such equipment.

3. An adjustment for depreciation and physical condition will be made in determining actual cash value in the event of a total “loss”.

4. The cost of repairing or replacing may:

a. Be based on an estimate which includes parts furnished by the original equip-ment manufacturer or other sources in-cluding non-original equipment manu-facturers and

b. If a repair or replacement results in bet-ter than like kind or quality, we will not pay for the amount of the net improve-ment.

5. If we offer to pay the actual cash value of the damaged or stolen property, we will value auto advertising wraps, paint customi-zation, and similar business related advertis-ing modifications, in addition to the actual cash value of the property. Auto advertising wraps, paint customization, and similar business related advertising modifications will be valued at the cost to replace them with an adjustment made for depreciation and physical condition.

T. NEW VEHICLE REPLACEMENT COST

The following is added to the Limit of Insurance provision of SECTION III – PHYSICAL

DAMAGE COVERAGE:

5. The provisions of paragraphs 1. and 3. do not apply to a covered “auto“ of the private passenger type or a vehicle with a gross vehicle weight rating of 20,000 pounds or less which is a “new vehicle.”

In the event of a total “loss” to your new ve-hicle to which this coverage applies, we will pay at your option:

a. The verifiable “new vehicle” purchase price you paid for your damaged vehi-cle, not including any insurance or war-ranties purchased;

b. If it is available, the purchase price, as negotiated by us, of a “new vehicle” of the same make, model, and equipment or the most similar model available, not including any furnishings, parts, or equipment not installed by the manufac-turer or manufacturers’ dealership; or .

c. The market value of your damaged ve-hicle, not including any furnishings, parts, or equipment not installed by the manufacturer or manufacturer’s dealer-ship.

We will not pay for initiation or set up costs associated with loans or leases

As used in this endorsement, a “new vehicle” means an “auto” of which you are the original owner that has not been previ-

AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc., Page 5 of 7 ously titled and which you purchased less than 365 days before the date of the “loss”.

U. PHYSICAL DAMAGE COVERAGE

EXTENSIONS

Under SECTION III – PHYSICAL DAMAGE COVERAGE, A. Coverage, Coverage Exten-sions, b. Loss of Use Expenses is replaced by the following:

b. Loss of Use Expenses

For Hired Auto Physical Damage, we will pay expenses for which an “insured” be-comes legally responsible to pay for loss of use of a vehicle rented or hired without a driver, under a written rental contract or agreement. We will pay for loss of use ex-penses if caused by:

(1) Other than collision if the Declarations indicate that Comprehensive Coverage is provided for any covered “auto”;

(2) Specified Causes of Loss only if the Declarations indicate that Specified Causes of Loss Coverage is provided for any covered “auto”; or

(3) Collision only if the Declarations indicate that Collision Coverage is provided for any covered “auto.”

However, the most we will pay for any expenses for loss of use is $50 per day, to a maximum of $1,500. The insurance provided by this provision is excess over any other collectible insurance.

V. 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.

W. 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 requirements 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.

X. HIRED CAR – COVERAGE TERRITORY

Item (5) of the Policy Period, Coverage Territory General Conditions is replaced by the following:

(5) Anywhere in the world if a covered “auto” is leased, hired, rented or borrowed without a driver for a period of 30 days or less; and

Y. EMERGENCY LOCKOUT

We will reimburse you up to $100 for reasonable expense incurred for the services of a locksmith to gain entry into your covered “auto” subject to these provisions:

1. Your door key, electronic 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 keyless entry device battery dies and you are unable to enter such "auto" as a re-sult,

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

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4. Original copies of receipts for services of a locksmith must be provided before reim-bursement is payable.

Z. CANCELLATION CONDITION

Paragraph A.2. of the COMMON POLICY CONDITION – CANCELLATION applies except as follows:

If we cancel for any reason other than non-payment of premium, we will mail or deliver to the First Named Insured written notice of cancellation at least 60 days before the ef-fective date of cancellation. This provision does not apply in those states that require more than 60 days prior notice of cancella-tion.

AC 70 05 03 16 Includes copyrighted material of Insurance Services Office, Inc., Page 7 of 7

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