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2023/03/16 San Diego Ice Company Inc.09/01/2023 The Liberty Company Insurance Brokers Lic #0D79653 5955 De Soto Ave., Suite 250 Woodland Hills CA 91367 Jeff Knowles (949) 777-0572 jknowles@libertycompany.com San Diego Ice Company Inc. DBA: San Diego Ice Company 3402 Kurtz Street San Diego CA 92110 Massachusetts Bay Insurance Company 22306 Allmerica Financial Benefit Insurance Company 41840 The Hanover Insurance Company 22292 Technology Insurance Company, Inc.42376 23-24 MASTER A Y ZD3-H962232-01 03/16/2023 03/16/2024 1,000,000 1,000,000 Excluded 1,000,000 2,000,000 2,000,000 B Y AW3-H962231-01 03/16/2023 03/16/2024 1,000,000 C 0 UH3-H962233-01 03/16/2023 03/16/2024 10,000,000 10,000,000 D Y TWC4222949 03/01/2023 03/01/2024 1,000,000 1,000,000 1,000,000 B Hired Auto Physical Damage AW3-H962231-01 03/16/2023 03/16/2024 Limit $175,000 Deductibles $1,000/$1,000 Re: Snow for the Tree Lighting Event Whereby required by Insured Contract, The City of Menifee, its officers, agents and employees are included as an Additional Insured under the Commercial General Liability per form 421-2915 06 15, and as an Additional Insured under the Auto Liability on a Primary/Non-Contributory basis per form 461-0155 (9-97), as required by Insured Contract, written agreement, or a written permit issued by either a govenmental or public authority. City of Menifee 29844 Haun Road Menifee CA 92586 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-MAILADDRESS: 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 EROTH-STATUTEPER LIMITS(MM/DD/YYYY)POLICY EXP(MM/DD/YYYY)POLICY EFFPOLICY NUMBERTYPE OF INSURANCELTRINSR 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 DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B ZD3-H962232 01 DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B ZD3-H962232 01 DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B ZD3-H962232 01 DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B ZD3-H962232 01DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B AW3-H962231-01DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B AW3 H962231 1001541 CALIFORNIA CHANGES THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CA 01 43 05 07 Copyright, ISO Properties, Inc., 2006 Page 1 of 2 For a covered "auto" licensed or principally garaged in or "garage operations" conducted in California this endorsement modifies insurance provided under the following: BUSINESS AUTO COVERAGE FORM BUSINESS AUTO PHYSICAL DAMAGE COVERAGE FORM GARAGE COVERAGE FORM MOTOR CARRIER COVERAGE FORM TRUCKERS COVERAGE FORM With respect to coverage provided by this endorsement, the provisions of the Coverage Form apply unless modified by the endorsement. A.The term "spouse" is replaced by the following: Spouse or registered domestic partner under California law. B.The following are added to the Other Insurance Condition in the Business Auto and Garage Coverage Forms and the Other Insurance - Primary And Excess Insurance Provisions in the Motor Carrier and Truckers Coverage Forms and supersede any provisions to the contrary: 1.When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an "auto" and: a.One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing "autos", and b.The other provides coverage to a person not engaged in that business, and c.At the time of an "accident", a person described in Paragraph 1.b. is operating an "auto" owned by the business described in Paragraph 1.a., then that person's liability coverage is primary and the Coverage Form issued to a business described in Paragraph 1.a. is excess over any coverage available to that person. 2.When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to an "auto" and: a.One provides coverage to a Named Insured engaged in the business of selling, repairing, servicing, delivering, testing or road-testing "autos", and b.The other provides coverage to a person not engaged in that business, and c.At the time of an "accident" an "insured" under the Coverage Form described in Paragraph 2.a. is operating an "auto" owned by a person described in Paragraph 2.b., then the Coverage Form issued to the business described in Paragraph 2.a. is primary and the liability coverage issued to a person described in Paragraph 2.b. is excess over any coverage available to the business. 3.When this Coverage Form and any other Coverage Form or policy providing liability coverage apply to a "commercial vehicle" and: a.One provides coverage to a Named Insured, who in the course of business, rents or leases "commercial vehicles" without operators, and b.The other provides coverage to a person other than as described in Paragraph 3.a., and c.At the time of an "accident", a person who is not the Named Insured of the policy described in Paragraph 3.a., and who is not the agent or "employee" of such Named Insured is operating a "commercial vehicle" provided by the business covered by the Coverage Form or policy described in Paragraph 3.a., then the liability coverage provided by the Coverage Form or policy described in Paragraph 3.b. is primary, and the liability coverage provided by the Coverage Form or policy described in Paragraph 3.a. is excess over any coverage available to that person. DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B AW3 H962231 1001541 Includes copyrighted material of Insurance Services Office,Inc.with its permission, Copyright,Insurance Services Office,Inc.,1996 461-0155 (9-97)Page 1 of 71of7 THIS ENDORSEMENT CHANGES THE POLICY.PLEASE READ IT CAREFULLY. BUSINESS AUTO COVERAGE BROADENING 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. 1.CANCELLATION EXTENSION Paragraph A.CANCELLATION 2.b.of the COMMON POLICY CONDITIONS is replaced with the following: b.60 days before the effective date of cancellation if we cancel for any other reason. SECTION I -COVERED AUTOS 2.EMPLOYEE HIRED "AUTOS" Description Of Covered Auto Designation Symbols;Symbol 8 is replaced by the following: 8 =Hired "Autos"Only -Only those "autos"you lease,hire,rent or borrow; including "autos"your employee hires at your direction,for the purpose of conducting your business.This does not include any "auto"you lease,hire,rent,or borrow from any of your "employees"or partners or members of their households. SECTION II -LIABILITY COVERAGE 3.BROADENED NAMED INSURED The following is added to the SECTION II - LIABILITY COVERAGE,Paragraph 1.Who Is An Insured provision: d.Any business entity for which you have a financial interest greater than 50%of the voting stock or otherwise have a controlling interest after the effective date of this policy or that is newly acquired or formed by you during the term of this policy. The coverage provided by this provision is afforded until expiration or termination of this policy,whichever occurs earlier. The coverage provided by this provision does not apply to any business entity described in d.above that qualifies as an insured under any other automobile liability policy issued to that business entity as a named insured or would have been an insured except for the exhaustion of the policy limits or the insolvency of the insurer. The coverage provided by this provision does not apply to "bodily injury"nor "property damage"arising from an accident that occurred prior to your acquiring or forming the business entity described in d. above. DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B Includes copyrighted material of Insurance Services Office,Inc.with its permission. Copyright,Insurance Services Office,Inc.,1996 461-0155 (9-97)Page 22 of 7of7 4.EMPLOYEES AS INSUREDS The following is added to the SECTION II - LIABILITY COVERAGE,Paragraph 1.Who Is An Insured provision: e.Any employee of yours is an "insured"while using a covered "auto"you do not own,hire or borrow in your business or your personal affairs. 5.SUPPLEMENTARY PAYMENTS The following amends SECTION II - LIABILITY COVERAGE,Paragraph 2. Coverage Extensions provision: Paragraph (2)is replaced by the following: (2)Up to $2500 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. Paragraph (4)is replaced by the following: (4)All reasonable expenses incurred by the "insured"at our request, including actual loss of earnings up to $500 a day because of time off from work. 6.AMENDED FELLOW EMPLOYEE EXCLUSION The following is added to the SECTION II - LIABILITY COVERAGE,B.Exclusions Paragraph 5.Fellow Employee exclusion: This exclusion does not apply if the "bodily injury"arises from the use of a covered "auto"you own or hire.This coverage is excess over any other collectible insurance SECTION III -PHYSICAL DAMAGE COVERAGE. 7.EXPENSE OF RETURNING A STOLEN "AUTO"and SIGN COVERAGE The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,A.1. COVERAGE: d.Expense Of Returning A Stolen "Auto" We will pay for the expense of returning a covered "auto"to you. e.Sign Coverage We will pay for loss to signs, murals,paintings or graphics, as part of equipment,which are displayed on a covered "auto". The most we will pay for "loss"in any one "accident"is the lesser of: 1.The actual cash value of the property as of the time of the "loss";or 2.The cost of repairing or replacing the damaged or stolen property with other property of like kind and quality;or 3.$2,000. 8.GLASS BREAKAGE DEDUCTIBLE The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,A. COVERAGE paragraph 3.Glass Breakage - Hitting a Bird or Animal -Falling Objects or Missiles: Any deductible shown in the Declarations as applicable to the DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B AW3 H962231 1001541 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Copyright,Insurance Services Office,Inc.,1996 461-0155 (9-97)Page 33 of 7of7 covered "auto"will not apply to glass breakage if such glass is repaired, rather than replaced. 9.TRANSPORTATION EXPENSE Paragraph 4.Coverage Extension.of SECTION III -PHYSICAL DAMAGE COVERAGE,A.COVERAGE is replaced with the following: 4.Coverage Extension We will pay up to $50 per day to a maximum of $1500 for temporary transportation expense incurred by you because of the total theft of a covered "auto"of the private passenger type.We will pay only for those covered "autos"for which you carry either Comprehensive or Specified Causes of Loss Coverage.We will pay for temporary 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". 10.HIRED AUTO PHYSICAL DAMAGE The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,A. COVERAGE: 5.Hired Auto Physical Damage If hired "autos"are covered "autos"for Liability Coverage and if Physical Damage Coverage of Comprehensive,Specified Causes of Loss,or Collision is provided under this Coverage Form for any "auto"you own,then the Physical Damage Coverage(s)provided is extended to "autos"you hire without a driver or your employee hires,without a driver,at your direction,for the purpose of conducting your business,for a period of 30 days or less,of like kind and use as the "autos"you own,subject to the following: The most we will pay for any one loss is the lesser of the following: a.$50,000 per accident,or b.cash value,or c.the cost of repair, minus the deductible equal to the lowest deductible applicable to any owned "auto"for that coverage.Any deductible shown in the Declarations does not apply to "loss"caused by fire or lightning.Subject to the limit and deductible stated above,we will provide coverage equal to the broadest coverage provided to any covered "auto"you own,that is applicable to the loss. If the loss arises from an accident for which you are legally liable and the lessor incurs an actual financial loss from that accident, we will cover the lessor s actual financial loss of use of the hired "auto"for a period of up to seven consecutive days from the date of the accident,subject to a limit of $1,000 per accident. 11.AUDIO,VISUAL AND DATA ELECTRONIC EQUIPMENT COVERAGE The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,A. COVERAGE: 6.Audio,Visual and Data Electronic Equipment Coverage We will pay for "loss"to any electronic equipment that receives DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B Includes copyrighted material of Insurance Services Office,Inc.with its permission. Copyright,Insurance Services Office,Inc.,1996 461-0155 (9-97)Page 44 of 7of7 or transmits audio,visual or data signals and that is not designed solely for the reproduction of sound.This coverage applies only if the equipment is permanently installed in the covered "auto"at the time of the "loss"or the equipment is removable from a housing unit which is permanently installed in the covered auto at the time of the "loss",and such equipment is designed to be solely operated by use of the power from the "auto s" electrical system,in or upon the covered "auto",including its antennas and other accessories. However ,this does not include tapes,records or discs. The exclusions that apply to PHYSICAL DAMAGE COVERAGE, except for the exclusion relating to Audio,Visual and Data Electronic Equipment,also apply to coverage provided herein.In addition,the following exclusions apply: We will not pay ,under this coverage,for either any electronic equipment or accessories used with such electronic equipment that is: 1.Necessary for the normal operation of the covered "auto"or the monitoring of the covered "auto s" operating system;or 2.Both: a.An integral part of the same unit housing any sound reproducing equipment designed solely for the reproduction of sound if the sound reproducing equipment is permanently installed in the covered "auto",and b.Permanently installed in the opening of the dash or console normally used by the manufacturer for the installation of a radio. With respect to coverage herein, the LIMIT OF INSURANCE provision of PHYSICAL DAMAGE COVERAGE is replaced by the following: 1.The most we will pay for all "loss"to audio,visual or data electronic equipment and any accessories used with this equipment as a result of 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 with other property of like kind and quality;or c.$500. 2.An adjustment for depreciation and physical condition will be made in determining actual cash value at the time of the "loss". 3.Deductibles applicable to PHYSICAL DAMAGE COVERAGE,do not apply to this Audio,Visual and Data Electronic Equipment Coverage. If there is other coverage provided by this policy for audio,visual and data electronic equipment,the coverage provided herein is DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B AW3 H962231 1001541 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Copyright,Insurance Services Office,Inc.,1996 461-0155 (9-97)Page 55 of 7of7 excess.However,you may elect to apply the limit or any portion thereof of coverage provided herein to pay any deductible that is applicable under the provisions of the other coverage. 12.RENTAL REIMBURSEMENT and MATERIAL TRANSFER EXPENSE The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,A. COVERAGE: 7.Rental Reimbursement and Material Transfer Expense This coverage provides only those Physical Damage Coverages where a premium is shown in the Declarations.It applies only to a covered "auto"described or designated to which the Physical Damage Coverages apply. We will pay for auto rental expenses and the expenses, incurred by you because of "loss" to a covered "auto",to remove and transfer your materials and equipment from the 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. We will pay only for those auto rental 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: 1.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 transport it to a repair shop. 2.60 days. Our payment is limited to the lesser of the following amounts: 1.Necessary and actual expenses incurred, including loss of use. 2.$3000. This auto rental expense coverage does not apply while there are spare or reserve "autos"available to you for your operations. If "loss"results from the total theft of a covered "auto"of the private passenger type,we will pay under this coverage only that amount of your rental reimbursement expenses which is not already provided for under the SECTION III -PHYSICAL DAMAGE COVERAGE,A.4.Coverage Extension. 13.AIRBAG COVERAGE The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,B. Exclusions,paragraph 3. The portion of this exclusion relating to mechanical or electrical breakdown does not apply to the accidental discharge of an airbag.This coverage is excess of other collectible insurance or warranty.No deductible applies to this Airbag Coverage. DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B Includes copyrighted material of Insurance Services Office,Inc.with its permission. Copyright,Insurance Services Office,Inc.,1996 461-0155 (9-97)Page 66 of 7of7 14.AUTO LOAN PHYSICAL DAMAGE EXTENSION The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,C.Limit Of Insurance provision: When a "loss"results in a total loss to a covered auto you own for which a Loss Payee is designated in this policy,the most we will pay for "loss"in any one "accident"is the greater of: 1.The actual cash value of the damaged or stolen property as of the time of the "loss";or 2.The outstanding balance of the initial loan,less any amounts for taxes,overdue payments,overdue payment charges,penalties, interest ,any charges for early termination of the loan,costs for Credit Life Insurance,Health, Accident or Disability Insurance purchased with the loan,and carry-over balances from previous loans. 15.AUTO LEASE PHYSICAL DAMAGE EXTENSION The following is added to SECTION III - PHYSICAL DAMAGE COVERAGE,C.Limit Of Insurance provision: If,because of damage,destruction or theft of a covered "auto",which is a long-term leased "auto",the lease agreement between you and the lessor is terminated, "we"will pay the difference between the amount paid under paragraph C.LIMIT OF INSURANCE 1.or 2.and the amount due at the time of "loss"under the terms of the lease agreement applicable to the leased "auto"which you are required to pay:less any fees to dispose of the auto; any overdue payments;financial penalties imposed under a lease for excessive use, abnormal wear and tear or high mileage; security deposits not refunded by the lessor;cost for extended warranties, Credit Life Insurance,Health,Accident or Disability Insurance purchased with the loan;and carry over balances from previous leases. This coverage applies only to the initial lease for the covered "auto"which has not previously been leased.This coverage is excess over all other collectible insurance. SECTION IV -CONDITIONS 16.DUTIES IN THE EVENT OF ACCIDENT, CLAIM,SUIT OR LOSS The following is added to SECTION IV - BUSINESS AUTO CONDITIONS,A.Loss Conditions,2.Duties In The Event Of Accident,Claim,Suit Or Loss: d.Knowledge of any "accident", claim,"suit"or "loss"will be deemed knowledge by you when notice of such "accident", claim,"suit"or "loss"has been received by: (1)You,if you are an individual; (2)Any partner or insurance manager if you are a partnership;or (3)An executive officer or insurance manager if you are a corporation. 17.BLANKET WAIVER OF SUBROGATION Paragraph 5.Transfer Of Rights Of Recovery Against Others To Us,SECTION IV -BUSINESS AUTO CONDITIONS,A. Loss Conditions is replaced by the following: DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B AW3 H962231 1001541 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Copyright,Insurance Services Office,Inc.,1996 461-0155 (9-97)Page 77 of 7of7 5.Transfer Of Rights Of Recovery Against Others To Us If any person or organization to or for whom we make payment under this Coverage Form has rights to recover damages from another,which have not been waived through the execution of an "insured contract",written agreement,or permit,prior to the "accident"or "loss"giving rise to the payment,those rights to recover damages from another are transferred to us.That person or organization must do everything necessary to secure our rights and must do nothing after the "accident"or "loss"to impair them. 18.UNINTENTIONAL FAILURE TO DISCLOSE INFORMATION The following is added to SECTION IV BUSINESS AUTO CONDITIONS.B. General Conditions,paragraph 2. Concealment,Misrepresentation Or Fraud: Your unintentional error in disclosing, or failure to disclose,any material fact existing after the effective date of this Coverage Form shall not prejudice your rights under this Coverage Form. However,this provision does not affect our right to collect additional premium or exercise our right of cancellation or nonrenewal. 19.HIRED AUTO -WORLDWIDE COVERAGE The following is added to SECTION IV - Business Auto Conditions,B.General Conditions,paragraph 7.Policy Period, Coverage Territory provision: e.Outside the coverage territory described in a.,b.,c.,and d. above for an "accident"or "loss" resulting from the use of a covered "auto"you hire,without a driver,or your employee hires without a driver,at your direction, for the purpose of conducting your business,for a period of 30 days or less,provided the suit is brought within The United States of America or its territories or possessions. SECTION V -DEFINITIONS 20.MENTAL ANGUISH Paragraph C."Bodily injury",SECTION V - DEFINITIONS is replaced by the following: C."Bodily injury"means bodily injury, sickness or disease sustained by a person including death or mental anguish resulting from any of these. DocuSign Envelope ID: 88004459-E545-4E23-8CB7-60A711922B3B