The terms and conditions of the Entertainment Policy Jacket and the following terms and conditions all apply to this Coverage Section. I. WHAT IS COVERED The Covered Auto Designation Symbols stated in the Commercial Business Automobile Declarations show the autos that are covered for each of your coverages. The symbols entered next to a coverage on the Declarations designate the only autos that are covered autos. Liability Coverage A. We will pay all sums an insured become legally obligated to pay for damages due to bodily injury or property damage caused by an accident to which this Coverage Section applies and resulting from the ownership, maintenance or use of a covered auto. Physical Damage Coverage We will also pay all sums an insured is legally obligated to pay for covered pollution cost or expenses caused by an accident to which this Coverage Section applies, and resulting from the ownership, maintenance or use of a covered auto. However, we will only pay for covered pollution costs or expenses if there is either bodily injury or property damage caused by the same accident. If Liability coverage is provided, the following types of vehicles are also covered autos with respect to Liability coverage: 1. trailers with a load capacity of 2,000 pounds or less designed primarily for travel on public roads; 2. mobile equipment while being carried or towed by a covered auto; and 3. any auto you do not own while used with the permission of its owner as a temporary substitute for a covered auto you own that is out of service because of its: a. breakdown; b. repair; c. servicing; or d. physical loss or damage. B. We will pay for physical loss or damage caused by an accident to which this Coverage Section applies to a covered auto or its equipment under: 1. Comprehensive Coverage from any cause except the overturn of a covered auto or its collision with another object. If Comprehensive Coverage is purchased, we will also pay for: a. glass breakage; b. physical loss or damage caused by hitting a bird or animal; and c. physical loss or damage caused by falling objects or missiles. However, you have the option of having glass breakage caused by a covered auto s collision or overturn considered a loss under Collision Coverage. 2. Specified Causes of Loss Coverage caused by: a. fire, lightning or explosion; b. theft; c. windstorm, hail or earthquake; EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 1 of 14
d. flood; e. mischief or vandalism; or f. the sinking, burning, collision or derailment of any conveyance transporting the covered auto. 3. Collision Coverage caused by the overturn of a covered auto or its collision with another object. If Physical Damage coverage is provided for a covered auto we will also pay: Transportation Expenses 1. up to $30 per day, to a maximum of $900, for temporary transportation expense incurred by an insured because of the total theft of a private passenger covered auto. We will pay only for those private passenger 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 the loss. Towing 2. up to the Limit of Insurance stated in the Declarations for towing and labor costs incurred each time a private passenger covered auto is disabled. However, the labor must be performed at the place of disablement. Liability for Loss of Use Assumed by Rental Contract or Lease Defense and Supplementary Payments 3. up to $50 per day, to a maximum of $1,500, in the event of loss or damage to any hired, leased or rented auto which qualifies as a covered auto under Covered Auto Designation Symbol 8, for which an insured is contractually liable for loss of use of such auto at the agreed rate and term provided by the rental or lease contract, but only if and to the extent the lessor of the hired, leased or rented auto incurs an actual financial loss. We will not: a. pay for any rental expenses in excess of the original agreed daily rental charge on the rental contract for a hired auto; b. pay rental fees that exceed the actual cash value of any auto; c. be liable for loss of use of the covered auto: (1) after it is repaired or replaced; (2) after we pay the loss on the covered auto; or (3) after we have paid the applicable Limits of Insurance; d. pay for any liquidated damages, penalties, or continuing rental charges past the expiration date of an insured s original rental contract if the lessor does not have another signed contract for the damaged hired auto or cannot prove that the damaged item would have been rented to another customer at the end of an insured s rental or lease contract. C. We will defend any insured against any suit seeking such damages or a covered pollution cost or expense, as set forth in the HOW MUCH WE WILL PAY-Defense and Supplementary payments provision of this Coverage Section. II. WHO IS COVERED In addition to you, other persons or organizations may qualify as insureds. Such persons or organizations and the conditions under which they qualify are stated below: A. Anyone else while using with your permission a covered auto you own, hire or EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 2 of 14
III. HOW MUCH WE WILL PAY Liability Coverage Physical Damage Coverage borrow, except: 1. the owners or anyone else from whom an insured hires or borrow a covered auto. This exception does not apply if the covered auto is a trailer 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. anyone 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; and 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. B. Anyone liable for the conduct of an insured, arising out of the ownership, maintenance or use of a covered auto, but only to the extent of that liability. C. An employee of yours 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. Regardless of the number of covered autos, insureds covered by this Coverage Section, premiums paid, claims made or vehicles involved in an accident, the most we will pay for the total of all damages and covered pollution cost or expense combined, resulting from one accident, is the Limit of Insurance for Liability Coverage stated in the Commercial Business Automobile Declarations. The most we will pay for loss in any one accident: A. is the lesser of: 1. the actual cash value of the damaged or stolen property as of the time and location of the accident; or 2. the cost of repairing or replacing the damaged or stolen property with other property of like kind and quality. B. is $1,000 to all electronic equipment that reproduces, receives or transmits audio, visual or data signals which, at the time of loss is: 1. permanently installed in or upon the covered auto in a housing, opening or other location that is not normally used by the auto manufacturer for the installation of such equipment. 2. removable from a permanently installed housing unit as described in paragraph B.1 above or is an integral part of that equipment; or 3. an integral part of such equipment. For each covered auto, our obligation to pay for repair, return or replace damaged or stolen property will be reduced by the applicable deductible stated in the EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 3 of 14
Out-Of-State Coverage Extensions Defense and Supplementary Payments No Duplicate Payments Declarations. Any Comprehensive Coverage deductible stated in the Declarations does not apply to loss caused by fire or lightning. While a covered auto is away from the state where it is licensed we will: A. increase the Limit of Insurance for Liability Coverage to meet the limits required by a compulsory or financial responsibility law of the jurisdiction where the covered auto is being used, but only to the extent of such requirement. This does not apply to the limit or limits specified by any law governing motor carriers of passengers or property; and B. provide the minimum amounts and types of other coverages, such as no-fault, as required for out-of-state vehicles by the jurisdiction where the covered auto is being used, but only to the extent of, and not to exceed, the minimum limits required by that jurisdiction. We will not pay anyone more than once for the same elements of loss because of these coverage extensions. Subject to the Defense for Suits Against You provision in the Entertainment Policy Jacket, we will pay reasonable attorney s fees and necessary litigation expenses we incur with counsel of our choice to defend the insured. We will pay, with respect to a suit we defend: A. all expenses we incur; B. up to $2,000 for the cost of bail bonds (including bonds for related traffic law violations) required because of an accident we cover. However, we will not apply for or furnish these bonds; C. the cost of bonds to release attachments in any suit against the insured we defend, but only for bond amounts within our Limit of Insurance; D. reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of a claim or suit, including actual loss of earnings up to $250 a day because of time off from work; E. costs taxed against the insured in any suit we defend; and F. interest on the full amount of any judgment that accrues after entry of the judgment in any suit against the insured we defend, but our duty to pay interest ends when we have paid, offered to pay or deposited in court the part of the judgment that is within our Limit of Insurance. In addition, we will pay, with respect to a claim we investigate or settle: A. the expenses we incur; and B. reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of a claim or suit, including actual loss of earnings up to $250 a day because of time off from work. Our obligation to make these payments ends when we have used up the applicable Limits of Insurance; however, these payments will not reduce the Limits of Insurance. We have no obligation to make duplicate payments for the same elements of loss under the Automobile Liability coverage, or any Medical Payments Coverage Section, Uninsured Motorist Coverage Section or Underinsured Motorist Coverage Section we may have issued to you. EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 4 of 14
IV. WHAT IS NOT COVERED Automobile Liability Coverage Exclusions: Care, Custody or Control We will not make payment for any claim or suit (including defense costs) directly or indirectly: A. for property damage to or covered pollution cost or expense involving property owned or transported by the insured or in the insured s care, custody or control. However, this does not apply to liability assumed under a sidetrack agreement. Completed Operations B. for bodily injury or property damage arising out of your work after that work has been completed or abandoned. Contractual Liability C. for liability assumed under any contract or agreement. However, this does not apply to liability for loss or damages: Employee Indemnification and Employer s Liability Expected or Intended Injury 1. assumed under any contract or agreement that is an insured contract provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement; or 2. that the insured would have in the absence of the contract or agreement. D. for liability arising out of bodily injury to: 1. any employee of the insured arising out of and in the course of his or her employment; or 2. the spouse, child, parent, brother, sister or dependants of that employee as a consequence of paragraph D-1 above. This exclusion applies whether the insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. However, this exclusion does not apply to bodily injury to domestic employees not entitled to workers compensation benefits or to liability assumed by the insured under an insured contract. For the purposes of this Coverage Section, a domestic employee is a person engaged in household or domestic work performed principally in connection with a residence premises. E. bodily injury or property damage intended by or which may reasonably be expected to result from intentional acts or failure to act of an insured, even if the actual bodily injury or property damage is a different degree or type than intended or expected. Handling of Property F. for bodily injury or property damage arising out of or resulting from the handling of property: 1. before it is moved from the place where it is accepted by the insured for movement into or onto the covered auto; or 2. after it is moved from the covered auto to the place where it is finally delivered by the insured. Mobile Equipment G. for bodily injury or property damage arising out of the operation of: 1. cherry pickers and similar devices mounted on automobile or truck chassis used to raise or lower workers; and 2. air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well-servicing equipment. EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 5 of 14
Movement of Property By Mechanical Device H. for bodily injury or property damage arising out of or resulting from the movement of property by a mechanical device (other than a hand truck) unless the device is attached to the covered auto. Pollution I. for bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants: 1. that are, or that are contained in, any property that is: a. being transported or towed by, handled, or handled for movement into, onto or from the covered auto; b. otherwise in the course of transit by or on behalf of the insured; or c. being stored, disposed of, treated or processed in or upon the covered auto; 2. before the pollutants or any property in which the pollutants are contained is moved from the place where they are accepted by the insured for movement into or onto the covered auto; or 3. after the pollutants or any property in which the pollutants are contained is moved from the covered auto to the place where they are finally delivered, disposed of or abandoned by the insured. Paragraph 1 of this exclusion does not apply to fuels, lubricants, fluids, exhaust gases or other similar pollutants that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered auto or its parts, if: a. the pollutants escape, seep, migrate, or are discharged dispersed or released directly from an auto part designed by its manufacturer to hold, store, receive or dispose of such pollutants; and b. the bodily injury, property damage or covered pollution cost or expense does not arise out of the operation of: (1) cherry pickers and similar devices mounted on automobile or truck chassis used to raise or lower workers; and (2) air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well servicing equipment. Paragraphs 2 and 3 of this exclusion do not apply to accidents that happen away from premises owned by or rented to the insured with respect to pollutants not in or upon a covered auto if: a. the pollutants or any property in which the pollutants are contained are upset, overturned or damaged as a result of the maintenance or use of a covered auto; and b. the discharge, dispersal, seepage, migration, release or escape of the pollutants is caused directly by such upset, overturn or damage. Racing J. for bodily injury or property damage arising out of the use of a covered auto in any professional or organized racing or demolition contest or stunting activity, or while practicing for such contest or activity. This insurance also does not apply while that covered auto is being prepared for such a contest or activity. Workers Compensation K. arising out of any obligation for which the insured or the insured s insurer may be held liable under any workers compensation, disability benefits or EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 6 of 14
unemployment compensation law or any similar law. Physical Damage We will not make payment for loss or damage: Coverage Exclusions: Equipment A. to any of the following: Maintenance and Wear and Tear Racing and Stunt Activity V. BASIS OF SETTLEMENT Physical Damage 1. tapes, records, discs or other similar audio, visual or data electronic devices designed for use with audio, visual or data electronic equipment. 2. any device designed or used to detect speed measuring equipment such as radar or laser detectors and any jamming apparatus intended to elude or disrupt speed measurement equipment. 3. any electronic equipment, without regard to whether this equipment is permanently installed, that receives or transmits audio, visual or data signals and that is not designed solely for the reproduction of sound. 4. any accessories used with the electronic equipment described in Paragraph 3 of this exclusion. Paragraphs 3 and 4 of this exclusion do not apply to: 1. equipment designed solely for the reproduction of sound and accessories used with such equipment, provided such equipment is permanently installed in the covered auto at the time of the loss or damage or such equipment is removable from a housing unit which is permanently installed in the covered auto at the time of the loss or damage, 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; or 2. any other electronic equipment that is: a. necessary for the normal operation of the covered auto or the monitoring of the covered auto s operating system; or b. an integral part of the same unit housing any sound reproducing equipment described in a. above and permanently installed in the opening of the dash or console of the covered auto normally used by the manufacturer for installation of a radio. B. caused by or resulting from any of the following unless caused by another loss that is covered by this Coverage Section. 1. wear and tear, freezing, mechanical or electrical breakdown; and 2. blowouts, punctures or other road damage to tires. C. to any covered auto or its equipment caused by or resulting from its use in any professional or organized racing or demolition contest or stunting activity or while practicing for such contests or stunting activity. We will also not pay for loss or damage to any covered auto while that covered auto is being prepared for such a contest or activity. At our option we may: A. pay for the repair or replacement of damaged or stolen property; EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 7 of 14
VI. YOUR OBLIGATIONS Duties In The Event of an Accident, Loss, Claim or Suit B. return the stolen property at our expense. We will pay for any damage that results to the auto from the theft; or C. take all or any part of the damaged or stolen property at an agreed or appraised value. We will not make any payment under this Coverage Section unless you: A. notify us as specified in the Entertainment Policy Jacket as soon as practicable with details of the loss, accident, claim or suit, including time and place and names and addresses of available witnesses; B. promptly notify the police if: 1. the covered auto or any of its equipment is stolen; 2. a hit-and-run driver is involved; or 3. you have any reason to believe a crime may have been committed or a law may have been broken; C. take every reasonable step to protect the covered auto from further damage. You must keep a record of your expenses for consideration in the settlement of the claim; D. permit us to inspect the covered auto and records proving the loss or damage before its repair or disposition; E. permit us to examine your books, records and documents as we deem necessary or appropriate to the adjustment of the loss and permit us to examine you under oath, outside the presence of any other insured, at such times and places as we reasonably require, about any matters relating to this insurance or the loss, accident, claim or suit. In the event of an examination your answers must be signed. To the extent it is within your power to do so, you shall also cause other persons who have information about the insurance, the loss, accident, claim or suit to submit to examinations under oath; and F. you and any other involved insured must: 1. assume no obligation, make no payment and incur no expense without our consent, except at the insured s own expense; 2. immediately send us copies of any request, demand, order, notice, summons or legal paper received concerning any claim or suit; 3. immediately send us copies of any request, demand, order, notice, summons or legal paper received concerning any claim or suit; 4. cooperate fully with us throughout the investigation, settlement or handling of any claim or suit; 5. authorize us to obtain medical records or other pertinent information; 6. submit to examinations by physicians of our choice as often as we reasonably require, at our expense; and 7. at our request, help us or our agent EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 8 of 14
VII. SPECIAL CONDITIONS Other Insurance Owned Autos You Acquire After the Policy Begins Two or More Coverage Forms or Policies Issued by Us a. make any settlement; b. enforce any right of contribution, subrogation or indemnity against any person or organization who may be liable to the insured; c. defend suits by attending hearings and trials and otherwise assisting and cooperating with the defense; and d. secure and give evidence and obtain the attendance of witnesses. For the purposes of the coverage provided by this Coverage Section, the following replaces the Other Insurance clause in the GENERAL CONDITIONS of the Entertainment Policy Jacket: A. For any covered auto you own, this Coverage Section provides primary insurance. For any covered auto you do not own, the insurance provided by this Coverage Section is excess over any other collectible insurance. However, while a covered auto which is a trailer is connected to another vehicle, the Liability Coverage this Coverage Section provides for the trailer is: 1. excess while it is connected to a motor vehicle you do not own; and 2. primary while it is connected to a covered auto you own. B. For Hired Auto Physical Damage Coverage, any covered auto you lease, hire, rent or borrow is deemed to be a covered auto you own. C. Regardless of the provisions of Paragraph A. above, this Coverage Section s Liability Coverage is primary for any liability assumed under an insured contract. D. When this Coverage Section and any other Coverage Section or policy covers on the same basis, either excess or primary, we will pay only our share. Our share is the proportion that the Limit of Insurance of our Coverage Section bears to the total of the limits of all Coverage Sections and policies covering on the same basis. If Symbols 1,2,3,4,5 or 6 are entered next to a coverage in the Auto Coverage Details section stated on the Declarations, then you have coverage for the type of autos described that you acquire for the remainder of the policy period. But, if Symbol 7 is entered next to a coverage in the Auto Coverage Details section stated on the Declarations, an auto that you acquire will be a covered auto for that coverage only if: A. we already cover all autos that you own for that coverage or it replaces an auto you previously owned that had that coverage; and B. you tell us within 30 days after you acquire it that you want us to cover it for that coverage and we agree to cover it. If this Coverage Section and any other Coverage Section or policy issued to you by us or any company affiliated with us apply to the same claim, the aggregate maximum Limit of Insurance under all such Coverage Sections or policies shall not exceed the highest applicable Limit of Insurance under any such Coverage Section or policy. This condition: A. does not apply to any Coverage Section or Policy issued by us or an affiliated company specifically to apply as excess insurance over this Coverage Section; EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 9 of 14
VIII. SPECIAL DEFINITIONS FOR THIS SECTION Accident Actual Cash Value Auto(s) Bodily Injury Coverage Territory Covered Auto(s) Covered Auto Designation Symbols and B. shall not limit your right to receive payment under any Medical Payments Coverage stated in the Declarations. Means an accidental event or series of related events (such as a collision or chain of multiple collisions), including continuous or repeated exposure to the same conditions, which: A. occurs during the policy period stated in the Declarations, and B. results in bodily injury or property damage that is neither expected nor intended from the standpoint of the insured. Means the fair market value of the property taking into account the deterioration, depreciation and obsolescence. Means a land motor vehicle, trailer or semi trailer designed for travel on public roads but does not include mobile equipment. Means physical injury, sickness or disease sustained by a person including death resulting from any of these. Means: A. the United States and its territories and possessions; B. Puerto Rico; C. Canada; and D. anywhere in the world if: 1. a covered private passenger auto is leased, hired, rented or borrowed without a driver for a period of 30 days or less; and 2. the insured s responsibility to pay damages is determined in a suit on the merits, in the United States, the territories and possessions of the United States, Puerto Rico or Canada or in a settlement we agree to. Means any auto that falls within the category(ies) of those Covered Auto Designation Symbols as stated in the Declarations. Means: Symbol Description of Covered Auto Designation Symbols 1 Any Auto 2 Owned Autos only Those autos you own (and for Liability coverage any trailers you do not own while attached to power units you own). This includes those autos you acquire ownership of after the Policy begins. 3 Owned Private Passenger Autos only Private passenger autos you own. This includes those private passenger autos you acquire ownership of after the Policy begins. 4 Owned Autos Other than Private Those autos you own that are not private passenger vehicles (and for Liability Coverage any trailer you do not own while EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 10 of 14
Passenger Autos attached to power units you own). This includes those autos other than private passenger vehicles you acquire ownership of after the policy begins. 5 Owned Autos Subject to No-Fault Those autos you own that are required to have No-Fault benefits in the state where they are licensed or principally garaged. This includes those autos you acquire ownership of after the Policy begins provided they are required to have No- Fault benefits in the state where they are licensed or principally garaged. 6 Owned Autos Subject To A Compulsory Uninsured Motorist Law Those autos you own that because of the law in the state where they are licensed or principally garaged are required to have and cannot reject Uninsured Motorist Coverage. This includes those autos you acquire ownership of after the Policy begins provided they are subject to the same state uninsured motorist s requirement. 7 Specifically Described Autos Those autos described in the Automobile Coverage Details section stated in the Declarations for which a premium charge is shown (and for Liability Coverage any trailers you do not own while attached to any power unit described in the Automobile Coverage Details section stated in the Declarations. 8 Hired Autos Only Those autos you lease, hire, rent or borrow. This does not include any auto you lease, hire, rent or borrow from any of your employees, partners (if you are a partnership), members (if you are a limited liability company) or members of their households. This also does not include any auto that is leased, hired, rented or borrowed with a driver. 9 Non-Owned Autos Only Those autos you do not own, lease, hire, rent or borrow that are used in connection with your business. This includes autos owned by your employees, partners (if you are a partnership), members (if you are a limited liability company), or members of their households but only while used in your business or your personal affairs. Covered Pollution Cost or Expense Means any cost or expense arising out of: A. any request, demand or order; or B. any claim or suit by or on behalf of a governmental authority demanding, that you or others test for, monitor, clean-up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of pollutants. However, it does not include any cost or expense arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants: A. that are, or that are contained in any property that is: 1. being transported or towed by, handled, or handled for movement into, onto or from the covered auto; 2. otherwise in the course of transit by or on behalf of you; or 3. being stored, disposed of, treated or processed in or upon the covered auto; or EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 11 of 14
Employees Insured Insured Contract B. before the pollutants or any property in which the pollutants are contained is moved from the place where they are accepted by you for movement into or onto the covered auto; or C. after the pollutants or any property in which the pollutants are contained is moved from the covered auto to the place where they are finally delivered, disposed of or abandoned by you. Paragraph 1 above does not apply to fuels, lubricants, fluids, exhaust gases or other similar pollutants that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered auto or its parts if: 1. the pollutants escape, seep, migrate, or are discharged, dispersed or released directly from an auto part designed by its manufacturer to hold, store, receive or dispose of such pollutants; and 2. the bodily injury, property damage or covered pollution cost or expense does not arise out of the operation of any: a. cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and b. air compressors, pumps and generators including spraying, welding, building cleaning, geophysical exploration, lighting or well-servicing equipment. Paragraphs B and C, directly above of this exclusion, do not apply to any accident that takes place away from any premises owned by or rented to an insured with respect to pollutants not in or upon a covered auto if: 1. the pollutants or any property in which the pollutants are contained are upset, overturned or damaged as a result of the maintenance or use of a covered auto; and 2. the discharge, dispersal, seepage, migration, release or escape of the pollutants is caused directly by such upset, overturn or damage. Means any individual employed by you, including a leased worker. Employee does not include a temporary worker. Means person(s) or entity(ies) qualifying as an Insured in the Who is Covered provision of this Coverage Section. Means: A. a lease of premises; B. a sidetrack agreement; C. any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; D. an obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; E. that part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another to pay for bodily injury or property damage to a third party or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement; and F. that part of any contract or agreement entered into, as part of your business, pertaining to the rental or lease of any auto, by you or any of your employees. EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 12 of 14
Leased Worker Mobile Equipment However, such contract or agreement shall not be considered an insured contract to the extent that it obligates you or any of your employees to pay for property damage to any auto rented or leased by you or any of your employees. An insured contract does not include that part of any contract or agreement: A. that indemnifies any person or organization for bodily injury or property damage arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, roadbeds, tunnel, underpass or crossing; B. that pertains to the loan, lease or rental of an auto to you or any of your employees, if the auto is loaned, leased or rented with a driver; or C. that holds a person or organization engaged in the business of transporting property by auto for hire harmless for your use of a covered auto over a route or territory that person or organization is authorized to serve by public authority. Means a person leased to you by a labor-leasing firm, under an agreement between you and the labor-leasing firm, to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. Means any of the following types of land vehicles, including any attached machinery or equipment: A. bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; B. vehicles maintained for use solely on or next to premises you own or rent; C. vehicles that travel on crawler treads; D. vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: 1. power cranes, shovels, loaders, diggers or drills; or 2. road construction or resurfacing equipment such as graders, scrapers or rollers; E. vehicles not described in paragraphs A, B, C, or D above that are not selfpropelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: 1. air compressors, pumps, and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well-servicing equipment; or 2. cherry pickers and similar devices used to raise or lower workers; and F. vehicles not described in A, B, C, or D above maintained primarily for purposes other than the transportation of persons or cargo. However, mobile equipment does not include self-propelled vehicles with the following types of permanently attached equipment, and such vehicles will be considered autos: 1. equipment designed primarily for: a. snow removal; b. road maintenance, but not construction or resurfacing; or c. street cleaning; 2. cherry pickers and similar devices mounted on automobile or truck chassis EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 13 of 14
Pollutants Property Damage Suit Temporary Worker Trailers Work and used to raise or lower workers; and 3. air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting or well-servicing equipment. Means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, ash, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. Means direct physical damage to or loss of use of tangible property. Means a civil proceeding in which damages because of bodily injury or property damage or a covered pollution cost or expense to which this insurance applies are alleged. Suit includes: A. an arbitration proceeding in which such damages or covered pollution costs or expenses are claimed and to which you must submit or do submit with our consent; or B. any other alternative arbitration proceeding in which such damages or covered pollution costs or expenses are claimed and to which the insured submits with our consent. Means a person who is furnished to you for a finite time period to support or supplement your workforce in special work situations such as employee absences, temporary skill shortages and seasonal workloads. Temporary worker does not mean leased worker. Includes semitrailer. Means work or operations performed by you or on your behalf and materials, parts or equipment furnished in connection with such work or operations. Your work includes warranties or representations made at any time with respect to the fitness, quality, durability or performance of any of the items included above. Your work will be deemed completed at the earliest of the following times: A. when all of the work called for in your contract has been completed; B. when all of the work to be done at the site has been completed if your contract calls for work at more than one site; or C. when that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. Includes copyrighted material of Insurance Services Office, Inc., with its permission EAU P4406 CW (08/10) Commercial Business Automobile Coverage Form Page 14 of 14