COI_Expires_5.01.23.pdf

07/06/2022

Harnish Insurance Group 2045 S Vineyard Ste 143

Mesa AZ 85210

Danielle@theharnishgroup.com

(480) 839-9077 (866) 771-9077 certs@theharnishgroup.com

Jani-Serv Inc 109 W University Dr Ste 2 Mesa AZ 85201

Secura Ins 22543 Ohio Security Insurance Co 24082 State Auto Ins Co 11017

CL2242903371

A Y TC3304663 05/01/2022 05/01/2023

1,000,000 1,000,000 10,000 1,000,000 2,000,000 2,000,000

C 10130051CA 05/01/2022 05/01/2023

1,000,000

A CU3304665 05/01/2022 05/01/2023

4,000,000 4,000,000

B XWS60581174 01/07/2022 01/07/2023

1,000,000 1,000,000 1,000,000

Contract #:CTR050894 and CTR045762

With respect to General Liability, State of Arizona, and its departments, agencies, boards, commissions, universities, officers, officials, agents, and employees are an additional insured per the provisions of the attached endorsement(s).

Sexual Abuse and Molestation coverage is included

Arizona Department of Child Safety Office of Contracts 3003 N. Central, Suite 2000 Payson - DCS Phoenix AZ 85012

SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE

THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN

ACCORDANCE WITH THE POLICY PROVISIONS.

INSURER(S) AFFORDING COVERAGE

INSURER F :

INSURER E :

INSURER D :

INSURER C :

INSURER B :

INSURER A :

NAIC #

NAME:

CONTACT

(A/C, No):

FAX

E-MAIL

ADDRESS:

PRODUCER

(A/C, No, Ext):

PHONE

INSURED

REVISION NUMBER:CERTIFICATE NUMBER:COVERAGES

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).

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.

OTHER:

(Per accident)

(Ea accident)

N / A

SUBR

WVD

ADDL

INSD

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.

$PROPERTY DAMAGE

BODILY INJURY (Per accident)

BODILY INJURY (Per person)

COMBINED SINGLE LIMIT

AUTOS ONLY

AUTOSAUTOS ONLY

NON-OWNED

SCHEDULEDOWNED

ANY AUTO

AUTOMOBILE LIABILITY

Y / N

WORKERS COMPENSATION

AND EMPLOYERS' LIABILITY

OFFICER/MEMBER EXCLUDED?

(Mandatory in NH)

DESCRIPTION OF OPERATIONS below If yes, describe under

ANY PROPRIETOR/PARTNER/EXECUTIVE

E.L. DISEASE - POLICY LIMIT

E.L. DISEASE - EA EMPLOYEE

E.L. EACH ACCIDENT

ER

OTH-

STATUTE

PER

LIMITS(MM/DD/YYYY)

POLICY EXP

(MM/DD/YYYY)

POLICY EFF

POLICY NUMBERTYPE OF INSURANCELTR

INSR

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

EXCESS LIAB

UMBRELLA LIAB $EACH OCCURRENCE

$AGGREGATE

OCCUR

CLAIMS-MADE

DED RETENTION $

$PRODUCTS - COMP/OP AGG

$GENERAL AGGREGATE

$PERSONAL & ADV INJURY

$MED EXP (Any one person)

$EACH OCCURRENCE

DAMAGE TO RENTED

$PREMISES (Ea occurrence)

COMMERCIAL GENERAL LIABILITY

CLAIMS-MADE OCCUR

GEN'L AGGREGATE LIMIT APPLIES PER:

POLICY

PRO-

JECT LOC

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

CANCELLATION

AUTHORIZED REPRESENTATIVE

ACORD 25 (2016/03)

© 1988-2015 ACORD CORPORATION. All rights reserved.

CERTIFICATE HOLDER

The ACORD name and logo are registered marks of ACORD

HIRED

AUTOS ONLY

POLICY NUMBER: 20-CU-003304665-12 COMMERCIAL LIABILITY UMBRELLA

CU 24 03 09 00

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CU 24 03 09 00 Copyright, Insurance Services Office, Inc., 2000 Page 1 of 1

WAIVER OF TRANSFER OF RIGHTS OF RECOVERY

AGAINST OTHERS TO US

This endorsement modifies insurance provided under the following:

COMMERCIAL LIABILITY UMBRELLA COVERAGE PART

SCHEDULE

Name Of Person Or Organization:

Same As Shown In Any "Underlying Insurance" CG2404 Schedule.

Same As Shown In Any "Underlying Insurance" CA0444 Schedule.

(If no entry appears above, information required to complete this endorsement will be shown in the Declarations as applicable to this endorsement.)

The Transfer Of Rights Of Recovery Against Others To Us Condition under Section IV – Conditions is amended by the addition of the following:

We waive any right of recovery we may have against the person or organization shown in the Schedule above because of payments we make for injury or damage arising out of your ongoing operations or "your work" done under a contract with that person or organization and included in the "products-completed operations hazard". This waiver applies only to the person or organization shown in the Schedule above.

CU 00 01 04 13 © Insurance Services Office, Inc., 2012 Page 11 of 18

(3) Any person or organization having proper temporary custody of your property if you die, but only:

(a) With respect to liability arising out of the maintenance or use of that property;

and

(b) Until your legal representative has been appointed.

(4) Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part.

c. 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 interest, will qualify as a Named Insured if there is no other similar insurance available to that organization.

However:

(1) Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier;

(2) Coverage A does not apply to "bodily injury" or "property damage" that occurred before you acquired or formed the organization;

and

(3) Coverage B does not apply to "personal and advertising injury" arising out of an offense committed before you acquired or formed the organization.

2. Only with respect to liability arising out of the ownership, maintenance or use of "covered autos":

a. You are an insured.

b. Anyone else while using with your permission a

"covered auto" you own, hire or borrow is also an insured except:

(1) The owner or anyone else from whom you hire or borrow a "covered auto". This exception does not apply if the "covered auto" is a trailer or semitrailer connected to a "covered auto" you own.

(2) Your "employee" if the "covered auto" is owned by that "employee" or a member of his or her household.

(3) Someone using a "covered auto" while he or she is working in a business of selling, servicing, repairing, parking or storing "autos" unless that business is yours.

(4) Anyone other than your "employees", partners (if you are a partnership), members (if you are a limited liability company), or a lessee or borrower or any of their "employees", while moving property to or from a "covered auto".

(5) A partner (if you are a partnership), or a member (if you are a limited liability company) for a "covered auto" owned by him or her or a member of his or her household.

(6) "Employees" with respect to "bodily injury" to:

(a) 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; or

(b) The spouse, child, parent, brother or sister of that fellow "employee" as a consequence of Paragraph (a) above.

c. Anyone liable for the conduct of an insured described above is also an insured, but only to the extent of that liability.

3. Any additional insured under any policy of "underlying insurance" will automatically be an insured under this insurance.

Subject to Section III – Limits Of Insurance, if coverage provided to the additional insured is required by a contract or agreement, the most we will pay on behalf of the additional insured is the amount of insurance:

a. Required by the contract or agreement, less any amounts payable by any "underlying insurance"; or

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

whichever is less.

Additional insured coverage provided by this insurance will not be broader than coverage provided by the "underlying insurance".

No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations.

COMMERCIAL AUTO

CA 04 49 11 16

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CA 04 49 11 16 © Insurance Services Office, Inc., 2016 Page 1 of 1

PRIMARY AND NONCONTRIBUTORY –

OTHER INSURANCE CONDITION

This endorsement modifies insurance provided under the following:

AUTO DEALERS COVERAGE FORM

BUSINESS AUTO COVERAGE FORM

MOTOR CARRIER COVERAGE FORM

With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement.

A. The following is added to the Other Insurance Condition in the Business Auto Coverage Form and the Other Insurance – Primary And Excess Insurance Provisions in the Motor Carrier Coverage Form and supersedes any provision to the contrary:

This Coverage Form's Covered Autos Liability Coverage is primary to and will not seek contribution from any other insurance available to an "insured" under your policy provided that:

1. Such "insured" is a Named Insured under such other insurance; and

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

B. The following is added to the Other Insurance Condition in the Auto Dealers Coverage Form and supersedes any provision to the contrary:

This Coverage Form's Covered Autos Liability Coverage and General Liability Coverages are primary to and will not seek contribution from any other insurance available to an "insured" under your policy provided that:

1. Such "insured" is a Named Insured under such other insurance; and

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

Policy Number: 10130051CA

COMMERCIAL AUTO

BA 30 00 12 15

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS AUTO POLICY PLUS ENDORSEMENT

This endorsement modifies insurance provided under the following:

BUSINESS AUTO COVERAGE FORM

With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement.

This endorsement changes the policy effective on the inception date of the policy unless another date is indicated below.

Named Insured:

Endorsement Effective Date:

CONTENTS:

A. ADDITIONAL INSURED – AUTOMATIC STATUS

B. BROADENED INSURED

C. DUTIES IN THE EVENT OF AN ACCIDENT, CLAIM, SUIT OR LOSS CONDITION

D.. UNINTENTIONAL FAILURE TO DISCLOSE ALL HAZARDS

E. RESULTANT MENTAL ANGUISH

F. AMENDMENT OF FELLOW EMPLOYEE LIABILITY EXCLUSION

G. EMPLOYEES AS INSUREDS

H. EMPLOYEE HIRED AUTOS

I. INCREASED BAIL BONDS AND LOSS OF EARNINGS

J. INCREASED TRANSPORTATION EXPENSE – TOTAL THEFT OF A COVERED AUTO

K. INCREASED LOSS OF USE EXPENSE

L. ACCIDENTAL DISCHARGE OF AIRBAG COVERAGE

M. GLASS REPAIR DEDUCTIBLE WAIVER

N. COLLISION DEDUCTIBLE WAIVER

O. INCREASED LIMIT FOR ELECTRONIC EQUIPMENT

P. TOWING

Q. AUTO LOAN/LEASE GAP COVERAGE

R. PERSONAL EFFECTS COVERAGE

S. LOCKSMITH SERVICES

T. TAPES, RECORDS AND DISCS COVERAGE

U. HIRED AUTO PHYSICAL DAMAGE

V. HIRED PRIVATE PASSENGER AUTOS AND LIGHT TRUCKS – WORLDWIDE COVERAGE

W. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO US

BA 30 00 12 15 Page 1 of 6

A. ADDITIONAL INSURED –

AUTOMATIC STATUS

Item A.1.c. of SECTION II –COVERED

AUTOS LIABILITY COVERAGE,WHO

IS AN INSURED is deleted and replaced with the following:

c. Anyone liable for the conduct of an “insured” described above but only to the extent of that liability. This includes, but is not limited to, any person or organization for whom you are performing operations when you and such person or organization have agreed in a written contract or a written agreement that such person or organization be added as an additional insured on your policy. Such person or organization is an additional insured under this policy only with respect to liability caused in whole or in part by your acts or omissions in the performance of your ongoing operations for the additional insured. A person or organization’s status as an additional insured for ongoing operations under this policy ends when your operations for the additional insured are completed or when this policy is cancelled, whichever occurs first.

B. BROADENED INSURED

The following paragraph is added to SECTION II –A.1. WHO IS AN

INSURED:

d. Any organization of yours, other than a partnership or joint venture, of which you own a financial interest of more than 50% as of the effective date of this Coverage part, will qualify as an “insured”. However, such organization will not qualify as an “insured” if it is also an “insured” under another policy, other than a policy written to apply specifically in excess of this Coverage Part or would be an “insured” under such policy but for its termination or the exhaustion of its limits of insurance. Each such organization remains qualified as an “insured” only while you own a financial interest of more than 50% in the organization during the policy period.

e. Any organization that is acquired or formed by you, other than a partnership or joint venture, of which you own a financial interest of more than 50% will qualify as an “insured”.

However, such organization will not qualify as an “insured” if it is also an “insured” under another policy, other than a policy written to apply specifically in excess of this Coverage Part or would be an “insured” under such policy but for its termination or the exhaustion of its limits of insurance. Each such organization remains qualified as an “insured” only while you own a financial interest of more than 50% in the organization during the policy period.

This provision does not include:

(1) any organization 180 days or more after its acquisition or formation; or

(2) “bodily injury”, “property damage” or “covered pollution cost or expense” caused by an “accident” that occurred before you acquired or formed the organization.

C. DUTIES IN THE EVENT OF AN

ACCIDENT, CLAIM, SUIT OR LOSS

CONDITION

The following paragraph is added to the end of Paragraph A. 2., SECTION IV – BUSINESS AUTO

CONDITIONS:

Your obligation to notify us promptly of an “accident”, claim, “suit” or “loss” is

BA 30 00 12 15 Page 2 of 6 satisfied if you send us written notice as soon as practicable after any of your executive officers, directors, partners, insurance managers, legal representatives, or “employees” authorized by you to give or receive notices becomes aware of or should have become aware of such “accident”, claim, “suit” or “loss”.

If you report an “accident” or “loss” to your workers compensation insurer which later becomes a claim under this coverage part, failure to report such “accident” or “loss” to us at the time of the “accident” or “loss” will not be considered a violation of this Condition, if you notify us as soon as practicable when you become aware that the “accident” or “loss” has become a liability claim.

D. UNINTENTIONAL FAILURE TO

DISCLOSE ALL HAZARDS

The following paragraph is added to Paragraph B. of SECTION IV –

BUSINESS AUTO CONDITIONS:

Based on our reliance on your representations of existing hazards, if you unintentionally fail to disclose all such hazards prior to the beginning of the policy period of this Coverage Part, we shall not deny coverage under this Coverage Part because of such failure.

E. RESULTANT MENTAL ANGUISH

The definition of “bodily injury” is SECTION V- DEFINITIONS is replaced by the following” “Bodily injury” means bodily injury, sickness or disease sustained by any person, including mental anguish or death resulting from any of these.

F. AMENDMENT OF FELLOW

EMPLOYEE LIABILITY EXCLUSION

The Fellow Employee Exclusion contained in Section II – Covered Autos Liability Coverage does not apply if the “bodily injury” results from the use of a covered “auto” you own or hire. The insurance granted under this provision is excess over any other collectible insurance

G. EMPLOYEES AS INSUREDS

The following is added to the SECTION

II –COVERED AUTOS LIABILITY

COVERAGE, Paragraph A.1. Who Is An Insured provision:

Any “employee” of yours is an “insured” while using a covered “auto” you don’t own, hire or borrow in your business or your personal affairs.

H. EMPLOYEES HIRED AUTOS

The following is added to the SECTION

II –COVERED AUTOS LIABILITY

COVERAGE, Paragraph A.1. Who Is An Insured provision:

Any “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.

SECTION IV – BUSINESS AUTO

CONDITIONS, B. General Conditions, 5.b. Other Insurance is replaced by the following:

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”.

I. INCREASED BAIL BONDS AND LOSS

OF EARNINGS

SECTION II – COVERED AUTOS

LIABILITY COVERAGE, A.2. Coverage Extensions, a. Supplementary Payments is amended by:

BA 30 00 12 15 Page 3 of 6

1. Replace the $2,000 limit for cost of bail bonds with $5,000 in paragraph (2); and

2. Replace the $250 a day limit for reasonable expenses including actual loss of earnings with $500 a day in paragraph (4).

J. INCREASED TRANSPORTATION

EXPENSE – TOTAL THEFT OF A

COVERED AUTO

SECTION III – PHYSICAL DAMAGE

COVERAGE, A.4. Coverage Extensions, a. Transportation Expenses, is amended by replacing $20 per day with $60 per day, and the $600 maximum with $1,800 maximum.

This extension applies to all covered “autos” with a Gross Vehicle Weight of less than 10,001 pounds.

K. INCREASED LOSS OF USE

EXPENSES

SECTION III – PHYSICAL DAMAGE

COVERAGE, A.4. Coverage Extensions, b. Loss Of Use Expenses, is amended by replacing $20 per day with $60 per day, and the $600 maximum with $1,800 maximum.

L. ACCIDENTAL DISCHARGE OF

AIRBAG COVERAGE

The following is added to Exclusion B.3.a. of SECTION III – PHYSICAL

DAMAGE COVERAGE:

However, this exclusion does not apply to the accidental discharge of an airbag.

M. GLASS REPAIR DEDUCTIBLE

WAIVER

The following is added to paragraph D.

of SECTION III – PHYSICAL DAMAGE

COVERAGE:

No deductible applies to glass damage if the glass is repaired in a manner acceptable to us rather than replaced.

N. COLLISION DEDUCTIBLE WAIVER

The following is added to paragraph D.

of SECTION III – PHYSICAL DAMAGE

COVERAGE:

When a covered “auto” insured for Collision coverage under this policy collides with another “auto” we insure, the Collision deductible applicable to the covered “auto” or “autos” insured under this policy shall not apply.

O. INCREASED LIMIT FOR ELECTRONIC

EQUIPMENT

Section III PHYSICAL DAMAGE COVERAGE C.1. b. is amended by replacing the $1,000 with $2,500.

P. TOWING

SECTION III – PHYSICAL DAMAGE

COVERAGE, A.2. Towing, is replaced by replacing the following:

2. Towing We will pay up to $75 for towing and labor costs incurred each time an “auto” with a Gross Vehicle Weight of less than 10,001 pounds is disabled if the declarations indicate that either Comprehensive Coverage or Specified Causes of Loss Coverage and Collision Coverage are provided for that “auto”.

Q. AUTO LOAN/LEASE GAP

COVERAGE

The following is added to SECTION III –

PHYSICAL DAMAGE COVERAGE:

In the event of a total “loss” to a covered “auto” shown in the Schedule or Declarations, we will pay any unpaid amount due on the lease or loan for a covered “auto”, less:

1. Overdue payments and financial penalties associated with those payments as of the date of the “total loss”;

2. The carryover, transfer or rollover of a previous outstanding lease or loan

BA 30 00 12 15 Page 4 of 6 balance from another vehicle to the original lease or loan for the scheduled “auto”;

3. The dollar amount of any unrepaired damage which occurred prior to the total “loss” of the scheduled “auto”;

4. All refunds paid or payable to you as a result of the early termination of the lease of loan agreement or, to the extent financed, as a result of the early termination of any warranty or extended service agreement on the scheduled “auto”;

5. Financial penalties imposed under a lease agreement for high mileage, excessive use or abnormal wear and tear;

6. Nonrefundable security deposits; and

7. Costs for extended warranties, Credit Life Insurance, Health, Accident or Disability Insurance purchased with the loan or lease.

The following is added to paragraph A.

Loss Conditions of SECTION IV –

BUSINESS AUTO CONDITIONS:

Lease/Loan Gap Coverage shall apply to the remaining term of the original lease or loan agreement written on the scheduled “auto” at the time of total “loss”.

R. PERSONAL EFFECTS COVERAGE

The following is added to SECTION III

– PHYSICAL DAMAGE COVERAGE,

A.4. Coverage Extensions:

c. Personal Effects We will pay up to $500 for “loss” to personal effects which are:

(1) owned by an “insured”; and

(2) in or on a covered “auto”.

This coverage applies only in the event of a total theft of a covered “auto”. No deductible applies to this coverage. Tapes, records, discs or other similar devices used with audio, visual or data electronic equipment are not considered personal effects.

S. LOCKSMITH SERVICES

The following is added to SECTION III –

PHYSICAL DAMAGE COVERAGE, A.4.

Coverage Extensions:

d. Locksmith Services We will pay up to $100 for necessary locksmith services incurred because keys to a covered “auto” have been lost, stolen or damaged. No deductible applies to this coverage.

T. TAPES, RECORDS AND DISCS

COVERAGE

Exclusion B.4.a. of SECTION III – PHYSICAL DAMAGE COVERAGE does not apply.

The following is added to SECTION III –

PHYSICAL DAMAGE COVERAGE, A.4.

Coverage Extensions:

e. Tapes, Records And Discs Coverage Under Comprehensive Coverage we will pay for “loss” to tapes, records, discs or other similar devices used with audio, visual or data electronic equipment. We will pay only if the tapes, records, discs or other similar audio, visual or data electronic devices:

(1) Are your property or that of a family member or employee

(2) Are in a covered “auto” at the time of “loss”.

The most we will pay for “loss” is $200.

U. HIRED AUTO PHYSICAL DAMAGE

If hired “autos” are covered “autos” for Covered Autos Liability Coverage, then

BA 30 00 12 15 Page 5 of 6

Comprehensive and Collision coverages are extended to an “auto” you lease, hire, rent, or borrow subject to the following:

1. The most we will pay for “loss” to any leased, hired, rented, or borrowed “auto” is the Actual Cash Value or the cost to repair the “auto”, whichever is smallest.

2. The deductible for Hired Auto Physical Damage will be equal to the largest deductible applicable to any owned “auto” scheduled on this policy for that coverage.

No deductible applies to loss by fire or lightning.

3. If the “loss” to the leased, hired, rented, or borrowed “auto” is covered by Comprehensive Coverage, and if no owned “auto” scheduled on this policy is insured for Comprehensive Coverage, a $100 deductible will apply to the “loss”.

4. If the “loss” to the leased, hired, rented, or borrowed “auto” is covered by Collision Coverage, and if no owned “auto” scheduled on this policy is insured for Collision Coverage, a

$1,000 deductible will apply for the “loss”.

V. HIRED PRIVATE PASSENGER AUTOS

AND LIGHT TRUCKS – WORLDWIDE

COVERAGE

Paragraph b. 7.5.(1) of Section IV –

BUSINESS AUTO CONDITIONS –

Policy Period, Coverage Territory is replaced by the following:

Anywhere in the world if a covered “auto” of the private passenger type or a light truck with Gross Vehicle Weight less than 10,001 pounds is leased, hired, rented or borrowed without a driver for a period of 30 days or less.

W.TRANSFER OF RIGHTS OF

RECOVERY AGAINST OTHERS TO

US

The following is added to Section IV –

BUSINESS AUTO CONDITIONS A.5.

Transfer Of Rights Of Recovery Against Others To Us:

We waive any right of recovery we may have against any person or organization to the extent required of you under a written contract executed prior to any “accident” or “loss”, provided the “accident” or “loss” arises out of operations contemplated by such contract. This waiver applies only to the person or organization designated in such contract.

BA 30 00 12 15 Page 6 of 6