CTR074703_COI.pdf

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

ENDORSEMENT

NO.

ATTACHED TO AND

FORMING A PART OF

POLICY NUMBER

ENDORSEMENT EFFECTIVE DATE

(12:01 A.M. STANDARD TIME) NAMED INSURED AGENT NO.

CPI7221058 02/07/2025 RELIANCE BRUSH MANAGEMENT INC 02018

Commercial Auto The American Road Insurance Company

TARIC 005 CW 01 23

Includes copyrighted materials of Insurance Service Office, Inc. with its permission.

TARIC 005 CW 01 23 Page 1 of 4

TARIC BROAD FORM 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 Business Auto Coverage Form apply unless modified by this endorsement. Business Auto Coverage Form references are in bold.

SECTION II – COVERED AUTOS LIABILITY COVERAGE is amended as follows:

EMPLOYEE HIRED AUTO, WHO IS AN INSURED

A. Coverage, 1.b. Who Is An Insured is amended to add the following:

(6) Your "employee" 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.

(7) Your “employee” while using a covered “auto” in your business or your personal affairs, provided you do not own, hire or borrow that auto.

ADDITIONAL INSURED BY CONTRACT

A. Coverage, 1. Who Is An Insured is amended to add the following:

d. Any person or organization for whom you have agreed in a valid written contract to provide insurance as is 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".

LIABILITY COVERAGE EXTENSIONS – HIGHER LIMITS SUPPLEMENTARY PAYMENTS

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

Replacing the $2,000 Limit of Insurance for bail bonds with $3,000 in (2); and Replacing the $250 Limit of Insurance for reasonable expenses with $500 in (4).

SECTION III – PHYSICAL DAMAGE COVERAGE is amended as follows:

TRANSPORTATION EXPENSE – HIGHER LIMITS

A. Coverage, 4. Coverage Extensions

a. Transportation Expenses is amended by replacing $30 per day with $50 per day, and maximum of $900 with maximum of $1,500.

HIRED AUTO – PHYSICAL DAMAGE

A. Coverage, 4. Coverage Extensions

b. Loss Of Use Expenses is amended to add the following:

If hired "autos" are covered "autos" for Liability Coverage and if Comprehensive, Specified Causes of Loss, or Collision coverages are provided under this Coverage Form for any "auto" you own, then the Physical Damage Coverages provided are extended to "autos" you hire or borrow, subject to the following limit.

TARIC 005 CW 01 23 Page 2 of 4

The most we will pay for “loss” to any one hired “auto” is:

(1) $100,000;

(2) The actual cash value of the damaged or stolen property at the time of the "loss"; or

(3) The cost of repairing or replacing the damaged or stolen property, whichever is smallest, minus a deductible. The deductible will be equal to the largest deductible applicable to any owned "auto" for that coverage. No deductible applies to "loss" caused by fire or lightning.

The limit shown above is part of, and not in addition to, any other insurance for hired auto physical damage provided elsewhere in this policy.

Subject to the above provisions, we will provide coverage equal to the broadest coverage applicable to any covered "auto" you own.

This Coverage is excess over any other collectible insurance.

PERSONAL PROPERTY, ROADSIDE ASSISTANCE

A. Coverage, 4. Coverage Extensions is further amended to add the following:

c. Personal Property

We will pay up to $400 for "loss" to wearing apparel and other personal property which is:

Owned by an "insured", and in or on your covered "auto".

This coverage only applies in the event of a total theft of your covered "auto".

No deductibles apply to Personal Property coverage.

d. Roadside Assistance Coverage

We will pay your reasonable costs for:

Labor for emergency repairs to your covered "auto" or any "nonowned auto" performed at the place of disablement

Towing expense incurred each time your covered "auto" or any "nonowned auto" is disabled up to $150 or 25 miles or less towing distance.

VEHICLE WRAP COVERAGE

A. Coverage, 4. Coverage Extensions is further amended to add the following:

e. Vehicle Wrap Coverage

If Comprehensive or Collision coverage is shown in the Declarations and only in the event of a total loss to an “auto” the following applies:

In addition to the actual cash value of the “auto”, we will pay up to $1,000 for vinyl vehicle wraps displayed on the “auto” at the time of total loss. Regardless of the number of autos deemed a total loss during the policy period, the most we will pay under this Vehicle Wrap Coverage provision is $5,000.

For purposes of this coverage provision, “vinyl vehicle wrap” means an adhesive film layered on top of the vehicle paint and not graphics or signs that are painted or magnetically affixed to the vehicle.

TARIC 005 CW 01 23 Page 3 of 4

AIRBAG COVERAGE

B. Exclusions, 3.a. is amended to add 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. The most we will pay under this exception is $1,000 for any one accidental discharge.

AUDIO, VISUAL AND DATA ELECTRONIC EQUIPMENT

C.1.b Limits of Insurance is amended by the following:

Replace $1,000 any one “loss” limit with $2,000.

In addition, the following is added:

The limit shown above applies in addition to any other insurance for audio, visual and data electronic equipment provided elsewhere in this policy.

DEDUCTIBLE WAIVER – GLASS REPAIR, MULTIPLE COVERAGED.

D. Deductible is amended to add the following:

No deductible for a covered "auto" will apply to glass damage if the glass is repaired rather than replaced.

If this coverage form and any other coverage form or policy issued to you by us, or any company affiliated with us, applies to the same "loss", the maximum deductible applicable to the "loss" shall not exceed the highest deductible under any one coverage form or policy. This condition does not apply to any coverage form or policy issued by us, or an affiliated company, specifically to apply as excess insurance over this coverage form.

SECTION IV – BUSINESS AUTO CONDITIONS is amended as follows:

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

A. Loss Conditions, 2. Duties In The Event Of Accident, Claim, Suit Or Loss, a. is amended to add the following:

This condition applies only when the "accident" or "loss" is known to:

You, if you are an individual;

A partner, if you are a partnership;

An executive officer or insurance manager, if you are a corporation; or

A member or manager, if you are a limited liability company.

BLANKET WAIVER OF SUBROGATION

A. Loss Conditions, 5. Transfer Of Rights Of Recovery Against Others To Us is amended to add 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", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the "insured contract".

TARIC 005 CW 01 23 Page 4 of 4

PRIMARY AND NONCONTRIBUTORY

B. General Conditions, 5. Other Insurance is amended to add the following:

e. This insurance will be primary and will not seek contribution from any other insurance available to an additional insured under your policy provided that all of the following conditions are met:

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

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

(3) This contract or agreement is signed and executed by you prior to when the "bodily injury" or "property damage" occurs; and

(4) This written contract or agreement is in effect during the policy period.