2018/12/31 Revenue & Cost Specialists, LLC Certificate of Liability Insurance AC" DATE(MM/DD/YYYY)
�� CERTIFICATE OF LIABILITY INSURANCE 12/31/2018
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 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).
PRODUCER CONTACT Mar Strohman
NAME: Y
Kessler Alair Insurance Services, Inc PHONE t). (909)931-1500 FAXA/C No (909)932-2133
License # OA 91387 E DIR .mstrohman@kessleralair.com
12487 N. Mainstreet, Ste. 240 INSURERS AFFORDING COVERAGE NAIC#
Rancho Cucamonga CA 91739 INSURER A:Philadel hia Insurance
INSURED INSURER B:
Revenue & Cost Specialists, LLC INSURERC:
1519 E. Chapman Ave., Suite C INSURER D i
INSURER E:
Fullerton CA 92831-3623 INSURERF:
COVERAGES CERTIFICATE NUMBER:2018-19 GL AUTO EX & PROF REVISION NUMBER:
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.
INSR I TYPE OF INSURANCE ADD S BR POLICY EFF POLICY EXP
LTR POLICY NUMBER LIMITS
X I COMMERCIAL GENERAL LIABILITY 1,000,000
EACH OCCURRENCE $
A CLAIMS-MADE Fx-]OCCUR PREMISES LEqoccurranca $ 50,000
X PHSD1308454 12/31/2018 12/31/2019 MED EXP(Any one person) $ 10,000
PERSONAL&ADV INJURY $ 1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000
X POLICY PRO• LOC PRODUCTS-COMP/OP AGG $ 1,000,000
f JECT
OTHER: $
AUTOMOBILE LIABILITY ALCOMBINED fN LE LIMIT $ 1,000,000
accldan .
A ANY AUTO BODILY INJURY(Per person) $
ALL OWNED SCHEDULED PHSD1308454 12/31/2018 12/31/2019 BODILY INJURY(Per accident) $
AUTOS AUTOS
NON-OWNED PROPERTY DAMAGE
X HIRED AUTOS X AUTOS P a Idenl $
X UMBRELLA LIAB f OCCUR EACH OCCURRENCE $ 1,000,000
I
A �EXCESS LIAB CLAIMS-MADE AGGREGATE $ 1,000,000
II UED I X RETENTION$ 10,000 PHUB613140 12/31/2018 12/31/2019 $
1 WORKERS COMPENSATION
AND EMPLOYERS'LIABILITY Y/N STATUTE I 0E
ANY PROPRIETOR/PARTNER/EXECUTIVE E.L.EACH ACCIDENT $
OFFICER/MEMBER EXCLUDED? ❑ N/A
(Mandatory in NH) E.L.DISEASE-EA EMPLOYE $
If yes,describe under
DESCRIPTION OF OPERATIONS below EL,DISEASE-POLICY LIMIT $
A Professional Liability PHSD1308454 12/31/2018 12/31/2019 Liability Each Claim Ind Exp $1,000,000
Retro Date 04/27/1990 $2,500Ded-Annual Aggregate $2,000,000
DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101,Additional Remarks Schedule,may be attached if more space is required)
Reference: Classification and Compensation Study
Additional Insured is The City of Menifee, it's officers, officials, employees and volunteers per
attached PI-BP-001 (09/05) endorsement.
Primary and Non-Contributory applies per attached PI-BP-001 (09/05) endorsement.
CERTIFICATE HOLDER CANCELLATION
bfoltzecityofinenifee.us
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
City of Menifee THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
ATTN: Accounts Payable ACCORDANCE WITH THE POLICY PROVISIONS.
29714 Haun Road
Menifee, CA 92586 AUTHORIZED REPRESENTATIVE
Mary Strohman/MARYC--
01988-2014 ACORD CORPORATION. All rights reserved.
ACORD 25(2014/01) The ACORD name and logo are registered marks of ACORD
INS025(201401)
PI-BP-001 (9/05)
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY,
BUSINESSOWNERS POLICY-ELITE ENHANCEMENT
This endorsement modifies insurance provided under the following:
BUSINESSOWNERS LIABILITY COVERAGE FORM
BUSINESSOWNERS SPECIAL PROPERTY COVERAGE FORM
It is understood and agreed that the following extensions only apply in the event that no other specific
coverage for the indicated foss exposures are provided under lhis policy. If such specific coverage applies,
the terms,conditions afid limits of Lhat coverage are the sole and exclusive coverage applicable under this
policy.
Throughout this endorsement the words"you"and"your"refer to the Named insured shown in the
Declarations. The words"we%'us'and"our"refer to the Company providing this insurance.
Part 1: Property Caves a Enhancements:
The following amendments are a part of the BUSINESSOWNERS SPECIAL PROPERTY
COVERAGE FORM:
1. Increased Glass Limits
Section A.Coverage,item 4;b:is replaced by:
b. With respect to glass(other than glass building blacks)that is part of the interior of a building
or structure,or part of an otlldoor sign,we will not pay more than 53,000 for the total of all
loss or damage in any one occurrence.
This Limitation does not apply to loss or damage by the"specified causes of loss",except
vandalism.
2. Increased Fire Department Service Charge
Section A.Coverage,item 5.c,is replaced by:
c. Fire Department Service Charge
When the fire department is called to save or protect Covered Property from a Covered Cause
of Loss,we will pay up to$3,000 for your[;'ability for fire department service charges:
(1)Assumed by contract or agreement prior to lass:or
(2)Required by local ordinance,
3. Reduced Waiting Period and Longer Duration for Civil]Authority Coverage
Section A. Coverage,item 5.t,is replaced by:
1. Civil Authority
We will pay for the actual loss of Business tncome you sustain and necessary Extra Expense
caused by action of civil authority that prohibits access to the described promises due to direct
physical loss of or damage to property,other than at the described premises,caused by or
resulting from any Covered Cause of Loss.
The coverage for Business Income will begin 48 hours after the time of that action and will
apply for a period of up to three consecutive weeks after coverage begins.
Page 1 of 5
Indudes copyright material or the Insurance Serwim Office,Inc used whh Its permission.
PI-BP-001 (9ro5)
The coverage for necessary Extra Expense will begin immediately after the time of that action
and ends:
(1) 5 consecutive weeks after the time of that action,or
(2) When your Business Income coverage ends,whichever is later.
The definitions of Business Income and Extra Expense contained in the Business Income and
Extra Expense Additional Coverages also apply to this Civil Authority Additional Coverage,
The Civil Authority Additional Coverage Is not subject to the Limits of Insurance.
4.Broadened Personal Property Coverage
Section A, Coverage,item 1.b.,the first paragraph is replaced by:
b. Personal Property located in or on the buildings at the described premises or in the open(or
in a vehicle)within 1,250 feet of the described premises,including
S. Increased limits for Personal Property Off premises
Section A. Coverage,item 6.b.is replaced by:
b. Personal Property Off Premises
You may extend the insurance that applies to Business Personal Property to apply to covered
Business Personal Property, other than "money" and "securities', "valuable papers and
records"or accounts receivable,while it is in the course of transit or temporarily at a premises
you do not own, lease or operate. The most we will pay for loss or damage under this
Extension is$10.000.
6. Increased limits for Outdoor Property
Section A. Coverage,item 6.c, is replaced by;
e. Outdoor Property
You may extend the insurance pruvided by this policy to apply to your outdoor fences,radio
and television antennas(including satellite dishes),signs(other than signs attached to
buildings),trees,shrubs and plants,Including debris removal expense,caused by or resulting
from any of the following causes of loss:
(1) Fire;
(2) Lightning;
(3) Explosion;
(a) Riot or Civil Commotion:or
(5) Aircraft.
The most we will pay for loss or damage under this Extension is$5,000,but not more than
$1,000 for any one tree, shrub or plant.
7. Fire Extinguisher Recharge
Section A. Coverage,item 6.Coverage Extensions will also include:
You may extend the insurance provided by this coverage form to cover expenses you incur to
recharge portable fire extinguishers,dry chemical,carbon dioxide,or liquid automatic fire
extinguishing systems and the cast of resetting automatic fuel shut-off connections,if any of the
above are discharged to right a fire or are discharged due to a mechanical malfunction.
The most we will pay for loss or damage under this extension is$3,000.
Page 2 of 5
Includes copyright material of the Insurance Service's Office,Inc,used with Its perrWsslon.
PI-SP-001 (9/05)
No deductible shall apply to this coverage.
B. Business Income Enhancement
Section A.Coverage, item 5.Additional Coverages,section f.Business Income is amended as
follows:
The reference to'60 days'as the limitation on payroll expenses is replaced by'365 days.'
9. Lock Replacement
Section A.Coverage,Item 6.Coverage Extensions will also include:
You may extend the insurance provided by this coverage form to cover necessary expense to repair
to replace exterior or interior door locks of a covered building:
a) If your door keys are stolen in a covered theft loss;or
b) When your property is damaged and your door keys are stolen by the burglars.
The most we will pay under this extension of$250 for any one occurrence.
10.Removal of Sewer Backup Exclusion
Section B,Exclusions,item g(3)is amended to include:
Backups of sewers will not be excluded, but the most we will pay for such losses is$500 in the policy
period.
Part_2:Liability Coverage Enhancements:
The following amendments are a part or the BUSINESSOWNERS LIABILITY COVERAGE FORM:
1.Medical Payments
If Medical Payments Coverage(Coverage A.2.)is not otherwise excluded from this Coverage Part;
The Medical Expense Limit is changed subject to all the terms of Limits Of Insurance(Section D)to
the greater of:
a. $10,000;or
b. The Medical Expense Limit shown In the Declarations of this Coverage Part.
2.Supplementary Payments
In the Supplementary Payments--(Coverage AAA):
1. The limit for the cost of bail bonds(item(2))is changed from$250 to$500;and
2. The Iiniit for loss of eafnings(item(o})is changed from$250 a day to$500 a day.
3. Blanket Additional Insureds
Who is An Insured(Section C)is amended to include the following,but only for liability arising out of
the negligence of the Named Insured:
Each of the following is also an Insured:
a. any Contractor, including contracting governmental entitles,who hires you as their
subcontractor,
b. any person or organization who has an ownership interest in you:
c. any lessor of leased equipment,who rents equipment to you,but only with respect to
liability arising out of the maintenance,operation,or use by you,pfovlded however that this
Page 3 or 5
Includes copyright material of the Insurance 5eMces Office.Inc.used with its penrdsslon.
PI-BP-001 (9/05)
item c.will not apply to(1)any occurrence which takes place after the equipment lease
expires;nr(2)'Bodily Injury"or'Property Damage'arising out of the negligence of the
lessor or contractor engaged to operate the leased equipment;and
d. any owner, mortgagor,lessor, landlord,condominium associations or manager of a
premises leased by you,but only for"occurrences'that take place while you occupy the
premises,provided however that this ilern d.will not apply to struclural alterations,new
construction.or demolition operations;and
Wrth regard to parties applicable under items a.through d.above,the Insurer and the Named
Insured agree to waive rights of recovery,as provided within the policy.
Nothing contained in this section C,shall serve to nullify matters excluded under section B.of the
policy.
4. Bodily Injury-Mental Anguish
The definition of'bodily injury'is changed to read:
'Bodily Injury':
a. Means bodily Injury,sickness or disease sustained by a person,and includes mental anguish
resulting from any of these;and
b. Except for mental anguish,includes death resulting from the foregoing(item a.above)at any
time.
5. Liberalization
If we revise this endorsement to provide more coverage►+ritheut additional premium charge,we will
automatically provide the additional coverage to all endorsement holders as of the day the revision is
effective in your slate,
6. Employee Indemnification defense Coverage
Under SUPPLEMENTARY PAYMENTS—COVERAGES AAA..the following Is added;
(8)We will pay on your behalf defense costs incurred by an'employee"in a criminal proceeding.
provided,however that you must have a prior written agreement wilh such"employee'
whereby you agree to Indemnify the'emplayee'for such defense casts, and the agreement
includes a provision for repayment of defense costs in the event of an adverse judgment.The
most we will pay for any"employee"who is alleged to be directly involved In a criminal
proceeding is$2,500 regardless of the number of empbyees,claims or"suits"brought or
persons or organizations making claims or bringing"suits."
T. Amendment of Aggregate Limit
SECTION 0.4.—Aggregate Limits,item B is replaced by:
b. All other injury or damage, Including medical expenses,arising from all"occurrences"duflncd
the policy period is three times the Liability and Medical Expenses limit.This limitation does
not apply to"property damage"to premises while rented to you or temporarily occupied by
you with permission of the owner,arising out of fire or explosion.
B. Amendment to Watercraft Exclusion
Part B-Exclusions,item g.(2)(a)is amended by the following:
The phrase'less than 26 feel"is replaced by'less than 51 feet.'
Page 4 of 5
Includes copyright material of the Insurance Services Office,Inc,used with Ills permission,
PI-BP-001 (9/05)
Part 3:kr adment of ndt i ns:
1.Other provisions of the policy notwithstanding,this policy will be primary for all losses covered herein,
and the existence of other insurance will not serve to reduce our obligation.
2.You will have the right to waive our rights of recovery prior to a loss with respect to any party.This must
be done in writing to affect our rights,
Page 5 of 5
n,cludes copyright material or the Insurance sees office,Inc,used with its permission.
IL 02 70 09 12
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
CALIFORNIA CHANGES -r CANCELLATION
AND NONRENEWAL
This endorsement modifies insurance provided under the following:
CAPITAL ASSETS PROGRAM(OUTPUT POLICY)COVERAGE PART
COMMERCIAL AUTOMOBILE COVERAGE PART
COMMERCIAL GENERAL LIABILITY COVERAGE PART
COMMERCIAL INLAND MARINE COVERAGE PART
COMMERCIAL PROPERTY COVERAGE PART
CRIME AND FIDELITY COVERAGE PART
EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART
EQUIPMENT BREAKDOWN COVERAGE PART
FARM COVERAGE PART
LIQUOR LIABILITY COVERAGE PART
MEDICAL PROFESSIONAL LIABILITY COVERAGE PART
POLLUTION LIABILITY COVERAGE PART
PRODUCTSICOMPLETED OPERATIONS LIABILITY COVERAGE PART
A. Paragraphs 2. and 3. of the Cancellation 3. All Policies In Effect For More Than 60 Days
Common Policy Condition are replaced by the a. If this policy has been in effect for more
following: than 60 days,or is a renewal of a policy we
2. All Policies In Effect For 60 Days Or Less issued,we may cancet this policy only upon
If this policy has been In effect for 60 days or the occurrence, after the effective date of
less, and is not a renewal of a policy we have the policy,of one or more of the following:
previously issued,we may cancel this policy by (1) Nonpayment of premium, including
mailing or delivering to the first Named Insured, payment due on a prior policy we issued
at the mailing address shown in the policy, and and due dunng the current policy term
to the producer of record, advance written covering the same risks.
notice of cancellation, stating the reason for (2) Discovery of fraud or material
cancellation,at least: misrepresentation by:
a. 10 days before the effective date of (a) Any insured or his or her
cancellation if we cancel for. representative in obtaining this
(1) Nonpayment of premium;or insurance;or
(2) Discovery of fraud by: (b) You or your representative In
(a) Any Insured or his or her pursuing a claim under this policy.
representative in obtaining this (3) A judgment by a court or an
Insurance; or administrative tribunal that you have
(b) You or your representative in violated a California or Federal law.
pursuing a daim under this policy. having as one of its necessary elements
an act which materially Increases any of
b. 30 days before the effective date of the risks insured against.
cancellation if we cancel for any other
reason.
IL 02 70 09 12 ®Insurance Services Office,Inc.,2012 Page 1 of 4
(4) Discovery of wilful or grossiy negligent B. The following provision is added to the
acts or omissions, or of any violations of Cancellation Common Policy Condition:
state laws or regulations establishing 7, Residential Property
safety standards, by you or your
representative, which materially This provision applies to coverage on real
increase any of the risks insured Property which is used predominantly for
against. residential purposes and consisting of not more
5 than four dwelling units, and to coverage an
( } Failure b y you or your representative to tenants' household personal property in a
implement reasonable loss control residential unit, If such coverage is written
requirements, agreed to by you as a under one of the following:
condition of policy issuance, or which
were conditions precedent to our use of Commercial Property Coverage Part
a particular rate or rating plan, if that Farm Coverage Part-- Farm Property — Farm
failure materially increases any of the Dwellings, Appurtenant Structures And
risks Insured against. Household Personal Property Coverage Form
(6) A determination by the Commissioner of a. If such coverage has been in effect for 60
Insurance that the: days or less, and is not a renewal of
(a) Loss of, or changes in, our coverage we previously issued, we may
reinsurance covering all or part of cancel this coverage for any reason,except
the risk would threaten our financial as provided in b.and c.below.
integrity or solvency;or b. We may not cancel this policy solely
(b) Continuation of the policy coverage because the first Named Insured has:
would: (1) Accepted an offer of earthquake
(1) Place us in violation of California coverage;or
law or the laws of the state where (2) Cancelled or did not renew a policy
we are domiciled;or Issued by the California Earthquake
(it) Threaten our solvency. Authority (CE=A) that included an
7) A change b earthquake policy premium surcharge-
In
g y you or your representative However, we shall cancel this i f the
in the activities or property of the First Named insured has accepted policy i commercial or industrial enterprise, renewal d Insicy issued by the a not of
which results in a materially added, includes of earthquake th increased or changed risk, unless the Includes
r a but artst opay[fie earth alike
added, Increased or changed risk is policy premium surcharge q
included in the policy, P rge authorizer!by the
b. We will mail or deliver advance written
notice of cancellation, stating the reason for c• We may not cancel such coverage solely
cancellation, to the first Named Insured, at because corrosive soil conditions exist on
the mailing address shown in the policy, the premises. This restriction (c.) applies
and to the producer of record,at least: only if coverage is subject to one of the
following, which exclude loss or damage
(1) 10 days before the effective date of caused by or resulting from corrosive soil
cancellation if we cancel for conditions:
nonpayment of premium or discovery of fraud;or ( ) F
1 Commercial Property Coveragepart —
(2) 30 days before the effective date of Causes Of Loss Special For ; or
cancellation if we cancel for any other (2) Farm Coverage Part—Causes Of Loss
reason listed in Paragraph 3.a. Form — Farm Property, Paragraph D.
Covered Causes Of Loss--Special.
Page 2 of 4 0 Insurance Services Office, Inc.,2012 IL 02 70 0912
C. The following is added and supersedes any (2) The Commissioner of Insurance rinds
provisions to the conlrary: that the exposure to potential losses will
Nonrenewal threaten our solvency or place us in a
1. subject to the provisions of Paragraphs C.2. hazardous condition. A hazardouscondition Includes,but is not limited to,a
and C.3. below, if we elect not to renew this condition In which we make claims
policy, we will mail or deliver written notice, payments for losses resulting from an
stating the reason for nonrenewal, to the first earthquake that occurred within the
Named Insured shown in the OeclaraUons,and preceding two years and that required a
to the producer of record, at (east 60 days, but reduction In policyholder surplus of at
not more than 120 days, before the expiration least 25% for payment of those claims;
or anniversary date, or
We will mail or deliver our notice to the first (3) We have:
Named Insured, and to the producer of record.
at the mailing address shown in the policy. (a) Lost or experienced a substantial
2. Residential Property reduction in the availability or scope
of reinsurance coverage;or
This provision applies to coverage on real (b) Experienced a substantial increase
property used predominantly for residential in the premium charged for
purposes and consisting of not more than four reinsurance coverage of our
dwelling units, and to coverage on tenants' residential property insurance
household property contained in a residential policies;and
unit, if such coverage is written under one of the Commissioner has a roved a tan
the following: for the nonrenewals that is fair and
Commercial Property Coverage Part equitable, and that is responsive to the
Farm Coverage Part — Farm Property — Farm changes in our reinsurance position.
Dwellings, Appurtenant Structures And c. We will not refuse to renew such coverage
Household Personal Property Coverage Farm solely because the first Named Insured has
a. We may elect not to renew such coverage cancelled or did not renew a policy, issued
for any reason, except as provided in h., c. by the California Earthquake Authority, that
and d.below. included an earthquake policy premlurn
b. We will not refuse to renew such coverage surcharge.
solely because the first Named Insured has d. We will not refuse to renew such coverage
accepted an offer of earthquake coverage, solely because corrosive soil conditions
However, the following applies only to exist an the premises. This restriction (d.)
insurers who are associate participating applies only If coverage is subject to one of
Insurers as established by Cal. Ins. Code the following, which exclude loss or
Section 10089,15. We may elect not to damage caused by or resulting from
renew such coverage after the first Named corrosive soil conditions:
Insured has accepted an offer of (1) Commercial Property Coverage Part —
earthquake coverage, if one or more of the Causes Of Loss--Special Form; or
following reasons applies:
(1) The nonrenewal is based on sound (2) Farm Coverage Part—Causes Of Loss
u Form — Farm Property, Paragraph D.
underwr
iting principles that relate to the Covered Causes Of Loss—Special,
coverages provided by this policy and
that are consistent with the approved 3. We are not required to send notice of
rating plan and related documents filed nonrenewal in the following situations:
with the Department of Insurance as a. If the transfer or renewal of a policy,without
required by existing law; any changes in tears, conditions or rates,
is between us and a member of our
insurance group.
IL 02 70 0912 0 Insurance Services Office,Inc„2012 Page 3 of 4
b. If the policy has been extended for 90 days e. If the first Named Insured requests a
or less, provided that notice has been given change in the terms or conditions or risks
in accordance with Paragraph CA. covered by the policy within 60 days of the
c. If you have obtained replacement coverage, end of the policy period.
or if the first!Named Insured has agreed, in f. If we have made a written offer to the first
writing, within 60 days of the termination of Named Insured, In accordance with the
the policy,to obtain that coverage, timeframes shown in Paragraph CA., to
d. If the policy is for a period of no more than renew the policy under changed terns or
60 days and you are notified at the time of conditions or at an increased premium rate,
issuance that it will not be renewed. when the increase exceeds 25%.
Page 4 of 4 0 Insurance Services Office, Inc.,2012 IL 02 70 0912
POLICY NUMBER PHSD1206454 BUSINESSOwNERS
B P 04 04 0196
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
HIRED AUTO AND NON-OWNED AUTO LIABILITY
This endorsement modifies insurance provided under the following;
13USINESSOWNERS POLICY
SCHEDULE
Coverage Additional
Premium
Hired Auto Liability $ 17
Non-Owned Auto Liability 5 54
A. Insurance Is pmvkL-d only for those coverages for (b) Performing duties related to the con-
which a specific premium charge is shower In the duct of the Insureds business;or
Declarations or In the Schedule. (2) The spouse, child, parent, brother or
1.HIRED AUTO LIABILITY sister of that "employee" as a conse-
The Insurance provided under the Businessown- quence of Paragraph(1)above.
ers Liabifty Coverage Form, Paragraph A.I. This exclusion applies:
Business Liability, applies to 'bodily Injury" or
"property damage" arising out of the mainte• (a) Whether the insured may to employer or in any ether capacity,ity,and
e as an
nance or use of a "hked auto" by you or your
'employees"In the course of your business. (b) To any obligation to share damages with
2.NON-OWNED AUTO LIABUTY or repay someone else who must pay
The Insurance provided under the Businessown-
damages because of Injury.
ers Liability Coverage Faun, Paragraph A.I. This exclusion does not apply to:
Business Llabky, gpplies to "bodily injury" or (1) Liability assumed by the Insured under
`property damage"arising cut of the use of any an"insured r=tracN;or
-non-owned auto"In your huslness by any per- (11) 'Bodily Injury" arising out of and In the
son other than you. course of domestic employment by the
B. For Insurance provided by this endorsement only: insured unless benefits for such lNury are
1. The exclusions, under the Businessowners In whole or In part either payable or e-
L'3bdity Coverage Fem. Paragraph 13.1. Appli- rlulm¢ to be provided under any wroTkers
cable to Business liability Coverages, other compensation law.
than exclusions a„ b., d., f. and 1. and the IW- b. "Property damage"to:
clear Energy Liability Exclusion,are deleted and (1) Property owned or being transported by,
replaced by the following: or rented or loaned to the insured;or
a. "Bodily Injury"to: (2) Property in the care,custody or control of
(1) An"employee" of the Insured arising out the Insured,
or and In the course of
(a) Employment by the insured:or
SP 04 04 0196 Copyright,Insurance Services Office.Inc., i99fi Page 1 of 2
2. WHO IS AN INSURED in the Businessowners (3) Any person while employed in or other-
Liability Coverage Form, Paragraph C., is re- wise engaged in duties in connection with
placed by the following: an "auto business", other than an "auto
Each of the following is an Insured under this business"you operate;
endorsement to the extent set forth below, (4) The owner or lessee (of whom you are a
a. You; sublessee)of a"hired au(o"or the owner
b. Any other person using a "hired auto" with of a "non-owned auto" or any vent or
"employee"of any such owner or lessee;
your permission;
c. Fora "non awned auto", any partner or"ex- 15) Any person or organization for the con-
ductecutive officer' of yours, but only while such ❑f any current or past partnership or
"non-owned auto"is being used In your bust- joint venture that is not shown as a
ness;and Named Insured in the Declarations.
d. Any other person or organization,but only for C. The following additional definitions apply_
their liability because of acts or omissions of 1• "Auto Business" means the business or cccu-
an insured under a., b.or c. above. patios of selling, repairing, servicing, storing or
None of the following is an insured:
parking"autos".
2. "Hired Auto'means any"auto"you lease, hire
(1) Any person engaged in the business of or borrow.This doss not include any"auto"YOU
his or her employer for bodily injury" to lease, hire or borrow from any of your"ernploy-
any Wemployee"of such person injured ees" or members of their households, or from
In the course of employment, or to the any partner or"executive officer'of yours.
spouse, child, parent, brother or sister of
that co-"employee" as a consequence of 3. "Non-Owned Auto" means any "auto"you do
such "bodily injury", or for any obligation not own, lease, hire or borrow which Is used in
to share damages with or repay someone connection with your business. However, if you
else who must pay damages because of are a partnership, a"non-owned auto' does not
the injury; include any"auto"owned by any partner.
(2) Any partner or"executive officer' for any
"auto"owned by such partner or officer or
a member of his or her household;
Page 2 of 2 Copyright,Insurance Services Office, Inc., 1996 BP 04 04 91196 ❑