ERG_Auto_Endorsement.pdf

This document is a Commercial Automobile Broad Form Endorsement, which is an insurance policy modification document. It does not represent a state or local contract, but rather a detailed insurance policy amendment for commercial automobile coverage. The document appears to be issued by an insurance services office and is a standardized form (Form: 16-02-0292 Rev. 11-16) that modifies existing business auto insurance policies.

The endorsement outlines extensive modifications to commercial automobile insurance coverage, including expanded definitions of insureds (such as subsidiaries and newly acquired organizations), coverage extensions for employees using vehicles, rental agency expenses, auto loan/lease gap coverage, and various additional provisions. Key coverage aspects include limits on rental expenses (maximum $2,500 per incident), provisions for temporary transportation expenses, coverage for unpaid loan or lease amounts, and specific conditions regarding coverage for leased, hired, or borrowed vehicles. The document also addresses complex scenarios like coverage for electronic equipment, glass repair, and unintentional failure to disclose hazards, providing comprehensive guidelines for different automotive insurance situations.