Agenda Item
i. Contract Renewal ~ RFP 24-564 HVAC Repair and Installation Services ~ 5 Seasons Mechanical, ARS Mechanical LLC, HVAC Allies LLC, Mann Mechanical Company, Inc., MAXAIR Mechanical, Mechanical Services, Inc., Smith Mechanical Heating & Air, and Trane U.S. Inc. ~ Contract Renewal ~ 2 of 4 (Not to Exceed $8,000,000)
Summary: Presented by: Mr. Erick Hofstetter, Chief Operating Officer, Division of Operations
Request: It is requested that the DeKalb County Board of Education approve contract renewal (2 of 4) for RFP 24-564 HVAC Repair and Installation Services in the amount not to exceed $8,000,000 to the list below:
5 Seasons Mechanical
ARS Mechanical LLC
HVAC Allies LLC
Mann Mechanical Company, Inc.
MAXAIR Mechanical
Mechanical Services, Inc.
Smith Mechanical Heating & Air
Trane U.S. Inc.
Why: This request is for contract renewal to provide HVAC Repair and Installation Services required throughout DeKalb County School District (“DCSD”) on an as-needed basis. It ensures continuity of essential HVAC repair and installation services required to maintain safe, functional, and climate-controlled learning and working environments across DCSD facilities. This approval establishes a pool of qualified contractors that enables timely response to HVAC failures, addresses preventative maintenance and repair needs for various remodeling, renovations, life safety requirements, and capital improvement projects, while maintaining competitive pricing and operational efficiency.
This request renews the contract for an additional year to the above-captioned vendors from May 24, 2026-May 23, 2027.
Details: On February 12, 2024, the Board approved 5 Seasons Mechanical, ARS Mechanical LLC, HVAC Allies LLC, Mann Mechanical Company, Inc., MAXAIR Mechanical, Mechanical Services, Inc., Smith Mechanical Heating & Air, and Trane U.S. Inc. as the most responsive and responsible offerors to provide district-wide HVAC Repair and Installation Services. This recommendation is for (2 of 4) contract renewal options and renews the contract for an additional year to the above-captioned vendors from May 24, 2026-May 23, 2027.
Financial impact: The total contract amount for these services in the amount not to exceed $8,000,000 will be allocated from the General Fund Budget, Repair & Maintenance Service (100.2600.543000.00011.7520.9990.8013.040.0000)
Contact: Mr. Erick Hofstetter, Chief Operating Officer, Division of Operations, 678.676.1447
Mr. Keith Ball, Executive Director of Facilities & Capital Improvement, Division of Operations, 678.676.1478
Effective: Upon Board Approval
Status: Approved by the Office of Legal Affairs
DATE (MM/DD/YYYY)
CERTIFICATE OF LIABILITY INSURANCE 01/13/2026
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 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).
PRODUCER CONTACT Jessica Gazerro
NAME:
STARR-MATHEWS AGENCY PHONE (770) 386-0466 FAX (770) 386-3164
(A/C, No, Ext): (A/C, No):
P. O. Box 1990 E-MAIL jgazerro@starrmathews.com
ADDRESS:
INSURER(S) AFFORDING COVERAGE NAIC #
Cartersville GA 30120 INSURER A : Transatlantic Reinsurance Company 19453
INSURED INSURER B : Builders Insurance 10704
Mechanical Services Inc INSURER C : Underwriters at Lloyd's, London 15792
4041 Kingston Court Suite E INSURER D : Summit Specialty Insurance Company 16889
INSURER E :
Marietta GA 30067 INSURER F :
COVERAGES CERTIFICATE NUMBER: 2025-26 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 ADDL SUBR POLICY EFF POLICY EXP
LTR TYPE OF INSURANCE INSD WVD POLICY NUMBER (MM/DD/YYYY) (MM/DD/YYYY) LIMITS
COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000
DAMAGE TO RENTED 100,000
CLAIMS-MADE OCCUR PREMISES (Ea occurrence) $
MED EXP (Any one person) $
A Y Y CPP102052048 09/01/2025 09/01/2026 PERSONAL & ADV INJURY $ 1,000,000
GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000
PRO- 2,000,000
POLICY JECT LOC PRODUCTS - COMP/OP AGG $
OTHER: $
AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ 1,000,000
(Ea accident)
ANY AUTO BODILY INJURY (Per person) $
A OWNED SCHEDULED Y Y ACV102052050 09/01/2025 09/01/2026 BODILY INJURY (Per accident) $
AUTOS ONLY AUTOS
HIRED NON-OWNED PROPERTY DAMAGE $
AUTOS ONLY AUTOS ONLY (Per accident)
$
UMBRELLA LIAB OCCUR EACH OCCURRENCE $ 2,000,000
A EXCESS LIAB CLAIMS-MADE ULC102052053 09/01/2025 09/01/2026 AGGREGATE $ 2,000,000
DED RETENTION $ 10,000 $
WORKERS COMPENSATION PER OTH-
AND EMPLOYERS' LIABILITY STATUTE ER
Y/N
ANY PROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ 1,000,000
B OFFICER/MEMBER EXCLUDED? Y N/A Y WCV100211701 09/01/2025 09/01/2026
(Mandatory in NH) E.L. DISEASE - EA EMPLOYEE $ 1,000,000
If yes, describe under
DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1,000,000
Pollution Liability $1,000,000
Pollution Liability
C Professional Liability PSO0240480134 09/01/2025 09/01/2026 Professional Liability $500,000
DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required)
ST 17 44 04 19 General Liability Premier Plus Endorsement; ST 16 46 03 2012 Additional Insured-Completed Operations; ST 17 18 06 17 Auto Premier
Plus; WC 00 03 13 Waiver of Our Right to Recover From Others
CERTIFICATE HOLDER CANCELLATION
SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE
THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN
Dekalb County School District ACCORDANCE WITH THE POLICY PROVISIONS.
1780 Montreal Road
AUTHORIZED REPRESENTATIVE
Tucker GA 30084
© 1988-2015 ACORD CORPORATION. All rights reserved.
ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD
Additional Named Insureds
Other Named Insureds
Chiller Services and Mechanical Services Additional Named Insured
OFAPPINF (02/2007) COPYRIGHT 2007, AMS SERVICES INC
ADDITIONAL COVERAGES
Ref # Description Coverage Code Form No. Edition Date
D Excess Liability-SXSL001000082800-Eff 9/1/2025-9/1/2026
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
3,000,000
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
Ref # Description Coverage Code Form No. Edition Date
Limit 1 Limit 2 Limit 3 Deductible Amount Deductible Type Premium
OFADTLCV Copyright 2001, AMS Services, Inc.
COMMERCIAL LIABILITY
ST 17 44 04 19
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
GENERAL LIABILITY PREMIER PLUS ENDORSEMENT
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE FORM
The following is a summary of the coverage modifications, extensions and additions provided in this endorsement. The limits,
unless stated otherwise, and deductibles shown below apply at each designated location.
COVERAGES
LIMIT DEDUCTIBLE SUBJECT TO INSURANCE PAGE
Included None Additional Insured – Grantor Of Franchises 7
Included None Additional Insured – Lessor Of Leased Equipment 8
Included None Additional Insured – Managers Or Lessors Of Premises 8
Additional Insured – Owners, Lessees Or Contractors –
Automatic Status When Required In Construction
Included None Agreement With You 6
Included None Additional Insured – Vendors 9
Waiver Of Transfer Of Rights Of Recovery Against Other
Included None To Us - Waiver Of Subrogation 10
$2,500 None Supplementary Payments Increased Limits - Bonds 6
$500 Per Day None Supplementary Payments Increased Limits - Earnings 6
$5,000 Each
Occurrence / $10,000
Aggregate $250 Limited Care, Custody & Control Coverage 3
Increased Limit For Damage To Premises Rented To You
$300,000 None (Limit & Perils) 2
Included None Expected Or Intended Injury 2
Non-Owned Watercraft Liability Redefined To Less Than 50
Included None Feet 2
$5000 Each Occurrence $100 Lost Key Coverage 2
Included None Mobile Equipment - Redefined 10
Included None Newly Formed Or Acquired Organizations 10
Included None Aggregate Limit Per Project 5
Included None Primary And Noncontributory – Other Insurance Condition 10
$10,000 None Property Damage To Borrowed Equipment 3
Included None Unintentional Failure To Disclose Hazards 11
$5,000 Each
Occurrence / $10,000
Aggregate None Voluntary Property Damage 4
ST 17 44 04 19 Page 1 of 11
The following changes apply to the Commercial General systems to premises while rented to you or
Liability Coverage Form as specified: temporarily occupied by you with the
permission of the owner. A separate limit of
I. Expected Or Intended Injury insurance applies to Damage To Premises
Exclusion 2.a. under Section I – Coverage A – Rented To You as described in Section III –
Bodily Injury and Property Damage Liability is Limits of Insurance.
replaced with the following: B. Section III – Limits of Insurance, Paragraph 6.,
“Bodily injury” or “property damage” expected or is replaced by the following:
intended from the standpoint of the insured. This
6. Subject to Paragraph 5. above, the Damage
exclusion does not apply to “bodily injury” and
To Premises Rented To You Limit is the
“property damage” resulting from the use of
reasonable force to protect persons or property. most we will pay under Coverage A for
damages because of “property damage” to
II. Non-Owned Watercraft any one premises while rented to you, or in
the case of damage by fire, explosion,
Exclusion g. (2) under Paragraph 2. Exclusions of lightning, smoke, or leakage from automatic
Section I – Coverage A – Bodily Injury And fire protection systems, while rented to you
Property Damage Liability is replaced with the or temporarily occupied by you with the
following: permission of the owner. The limit is the
greater of:
(2) A watercraft you do not own that is:
(a) Less than 50 feet long; and a. $300,000; or
(b) Not being used to carry persons or property b. The amount shown in the Declarations
for a charge. for Damage To Premises Rented To
You Limit.
III. Increased Limit For Damage To Premises Rented
To You C. The word “fire” is changed to “fire, lightning,
explosion, smoke, or leakage from automatic fire
A. Section I – Coverage A – Bodily Injury And protection systems” wherever it appears in:
Property Damage Liability, 2. Exclusions is 1. Condition 4.b.(1)(a)(ii) of Section IV –
amended as follows: Commercial General Liability
1. The fourth from the last paragraph of Conditions: and
Exclusion j. Damage To Property is 2. 9.a. of Section V – Definitions.
replaced by the following:
Paragraphs (1), (3) and (4) of this exclusion IV. Lost Key Coverage
do not apply to “property damage” (other
than damage by fire, lightning, explosion, A. Coverage for “bodily injury” and “property
smoke, or leakage from automatic fire damage” with respect to the insured’s
protection systems) to premises, including operations is extended as follows:
the contents of such premises, rented to you 1. We will pay those sums that you become
for a period of seven or fewer consecutive legally obligated to pay as damage due to
days. A separate limit of insurance applies loss of keys by an insured in the course of
to Damage To Premises Rented To You as your business. The keys must be loaned to
described in Section III – Limits Of the insured or in the care, custody or control
Insurance. of the insured.
2. The last paragraph of 2. Exclusions is 2. The additional insurance provided by this
replaced by the following: endorsement does not apply to:
Exclusions c. through n. do not apply to (a) Misappropriation;
damage by fire, lightning, explosion, smoke, (b) Secretion;
or leakage from automatic fire protection (c) Conversion;
(d) Infidelity; or
ST 17 44 04 19 Page 2 of 11
(e) Any dishonest act of the part of the equipment you borrow from others is $10,000
insured. per “occurrence”.
3. The additional insurance provided by this
endorsement applies only to: C. The insurance afforded by this provision V. is
excess over any valid and collectible property
(a) The actual cost of the keys; insurance available to the insured.
(b) Adjustment of locks to accept new keys;
and VI. Limited Care, Custody Or Control Liability
(c) The cost of new locks, including the cost Coverage
of their installation.
A. Insuring Agreement
B. The most we will pay for loss or damage
resulting from any one “occurrence” under this With respect to the coverage provided by VI.
provision V. is $5,000. Limited Care, Custody Or Control Liability
Coverage, the following is added to Paragraph
C. A deductible of $100 applies to any loss or 1.a. of Section I – Coverage A – Bodily Injury
damage resulting for any one “occurrence” and Property Damage Liability:
regardless of the number of persons or
organizations who sustain damages because of We will pay all sums that the insured
that “occurrence”. becomes legally obligated to pay as
damages because of “loss” to property of
We may pay any part of all of the deductible others while in the care, custody or control
amount to effect settlement of any claim or “suit” of the insured.
and upon notification of the action taken, you
shall promptly reimburse us for such part of the B. Exclusions
deductible amount that has been paid by us.
With respect to the coverage provided by this
D. This coverage extension is subject to the
coverage extension:
following:
1. Exclusion j. Damage To Property, 1. Exclusions 2.j.(4) and 2.j.(5) of Section I –
Paragraph j.(3) and j.(4) of Section I – Coverage A – Bodily Injury And Property
Coverage A – Bodily Injury And Property Damage Liability do not apply; and
Damage Liability do not apply to the loss of
keys by an insured. 2. The following additional exclusions are
added to Section I – Coverage A – Bodily
2. Subparagraph 2.a.(2) of Section II – Who Injury And Property Damage Liability:
Is An Insured does not apply to this
additional insurance. This insurance does not apply to “loss” to
property:
V. Property Damage To Borrowed Equipment
(a) Held by the insured for sale or entrusted
A. Exclusion j. (4) under Paragraph 2. Exclusions to the insured for storage or
of Section I – Coverage A – Bodily Injury And safekeeping;
Property Damage Liability does not apply to (b) Owned or occupied by, rented or leased
“property damage” to borrowed equipment while to, or loaned to any insured;
that equipment is:
(c) Included in the “products-completed
1. Not being used to perform operations; and operations hazard”; and
2. Away from an insured’s premises (d) Arising from errors or mistakes in
design, plans or specifications
B. Subject to Paragraph 5. In Section III – Limits committed by or on behalf of the
of Insurance, Coverage A the most we will pay insured.
for damages because of “property damage” to
ST 17 44 04 19 Page 3 of 11
C. Limit of Insurance E. Excess Insurance
With respect to the coverage provided by VI. This insurance is excess over any other
Limited Care, Custody Or Control Liability collectible insurance available to the insured.
Coverage, the following is added to Section III
– Limit of Insurance: F. Additional Definitions
1. The most we will pay for “loss”, including all The following is added to Section V –
resulting loss of use of that property, as a Definitions:
result of any one “occurrence” under this
coverage is $5,000. However, the most we “Loss” means any unintentional damage or
will pay for the sum of all “loss”, including all destruction but does not include
resulting loss of use of property, as a result disappearance, abstraction or theft.
of all “occurrences” under this coverage is
$10,000. These limits are part of, and not in VII. Voluntary Property Damage Coverage
addition to, the Each Occurrence and
General Aggregate limit.
A. Insuring Agreement
2. We will not pay for a “loss” in any one With respect to the coverage provided by VII.
“occurrence” until the amount of “loss” Voluntary Property Damage Coverage, the
exceeds the deductible shown under D. following is added to Paragraph 1.a. of Section
Deductible. We will then pay the amount of I – Coverage A – Bodily Injury and Property
“loss” or damage in excess of the Damage Liability:
deductible, up to the applicable limit of
insurance. At your request, we will pay for a “loss” to
property of others caused by you and while in
D. Deductible your possession, arising out of your business
operations and occurring during the policy
1. We are not obligated to pay any “loss” until period even if you are not legally liable, if such
such “loss” exceeds $250. We will then pay property is otherwise subject to this coverage.
the amount of “loss” in excess of the
deductible, up to the applicable limit of
insurance. This deductible amount applies B. Exclusions
to all “loss” to real or personal property With respect to the Voluntary Property
belonging to others as the result of any one Damage Coverage:
“occurrence”.
2. We may pay any part or all of the deductible 1. Exclusions 2.j.(4) and 2.j.(5) of Section I –
amount to effect settlement of any claim or Coverage A – Bodily Injury And
Property Damage Liability do not apply.
“suit” and, upon notification of the action
taken, you shall promptly reimburse us for 2. The following additional exclusions are
such part of the deductible amount as has added to Section I – Coverage A – Bodily
been paid by us. Injury And Property Damage Liability:
3. The terms of this insurance, including those This insurance does not apply to “loss” to
with respect to: property:
(a) Our right and duty to defend any “suits” (a) Held by the insured for sale or entrusted
seeking those damages; and to the insured for storage or
(b) Your duties in the event of an safekeeping;
“occurrence”, claim or “suit” (b) Owned or occupied by, rented or leased
to, or loaned to any insured;
apply irrespective of the application of the
Deductible amount. (c) Included in the “products-completed
operations hazard”, or
ST 17 44 04 19 Page 4 of 11
(d) Arising from errors or mistakes in “Loss” means any unintentional “property
design, plans or specifications damage” but does not include disappearance,
committed by or on behalf of the abstraction or theft.
insured.
We will not pay for any “loss” under VI. Limited
C. Limit of Insurance Care, Custody or Control Liability Coverage
unless you are legally liable. If we provided coverage
With respect to the Voluntary Property for the same “loss” under VI. Limited Care,
Damage Coverage, the following is added to Custody or Control Liability Coverage and VII.
Section III – Limit of Insurance: Voluntary Property Damage Coverage, the most
we will pay for the “loss” under the two coverages
1. The most we will pay for “loss”, including all
combined is $10,000.
resulting loss of use of that property, as a
result of any one “occurrence” under this
VIII. Aggregate Limit Per Project
coverage is $5,000. However, the most we
will pay for the sum of all “loss”, including all
resulting loss of use of property, as a result A. For all sums which the insured becomes legally
of all “occurrences” under this coverage is obligated to pay as damages caused by
$10,000. These limits are part of, and not in “occurrences” under Section I – Coverage A –
addition to, the Each Occurrence and Bodily Injury And Property Damage Liability,
General Aggregate limit. and for all medical expenses caused by
2. We will not pay for a “loss” in any one accidents under Section I – Coverage C –
“occurrence” until the amount of “loss” Medical Payments, which can be attributed
exceeds the deductible shown under D. only to ongoing operations at a single
Deductible. We will then pay the amount of construction project:
“loss” in excess of the deductible, up to the
applicable limit of insurance. 1. A separate Construction Project General
Aggregate Limit applies to each construction
D. Deductible project, and that limit is equal to the amount
of the General Aggregate Limit shown in the
1. With respect to Voluntary Property Damage Declarations.
Coverage, we are not obligated to pay any
“loss” until such “loss” exceeds $250. We
2. The Construction Project General
will then pay the amount of “loss” in excess
Aggregate Limit is the most we will pay for
of the deductible, up to the applicable Limit
of Insurance. This deductible amount the sum of all damages under Coverage A
applies to all “loss” to real or personal - Bodily Injury And Property Damage
property belonging to others as the result of Liability, except damages because of
any one “occurrence”. “bodily injury” or “property damage” included
in the “products-completed operations
2. We may pay any part or all of the deductible
hazard”, and for medical expenses under
amount to effect settlement of any claim or
Coverage C – Medical Payments
“suit” and, upon notification of the action
taken; you shall promptly reimburse us for regardless of the number of:
such part of the deductible amount as has
been paid by us. a. Insureds;
b. Claims made or “suits” brought; or
E. Excess Insurance
c. Persons or organizations making claims
This insurance is excess over any other or bringing “suits”.
collectible insurance available to the insured. 3. Any payments made under Coverage A –
Bodily Injury And Property Damage
F. Additional Definition Liability for damages or under Coverage C
The following is added to Section V – – Medical Payments for medical expenses
Definitions: shall reduce the Construction Project
General Aggregate Limit for that
ST 17 44 04 19 Page 5 of 11
construction project. Such payments shall IX. Supplementary Payments Increased Limits
not reduce the General Aggregate Limit
shown in the Declarations nor shall they Under Supplementary Payments – Coverages A
reduce any other Construction Project and B of Section I:
General Aggregate Limit for any other
construction project. A. Paragraph 1.b. is replaced with the following:
4. The limits shown in the Declarations for a. Up to $2,500 for cost of bail bonds required
Each Occurrence, Damage To Premises
because of accidents and traffic law
Rented To You and Medical Expense
violations arising out of the use of any
continue to apply. However, instead of being
subject to the General Aggregate Limit vehicle to which the Bodily Injury Liability
shown in the Declarations, such limits will be Coverage applies. We do not have to
subject to the applicable Construction furnish these bonds.
Project General Aggregate Limit.
B. Paragraph 1.d. is replaced with the following:
B. For all sums which the insured becomes legally
obligated to pay as damages caused by d. All reasonable expenses incurred by the
“occurrences” under Section I – Coverage A, insured at our request to assist us in the
and for all medical expenses caused by investigation or defense of the claim or
accidents under Section I – Coverage C, which “suit”, including actual loss of earnings up to
cannot be attributed only to operations at a $500 a day because of time off from work.
single construction project:
X. Additional Insured – Owners, Lessees Or
1. Any payments made under Coverage A for
Contractors – Automatic Status When Required
damages or under Coverage C for medical
expenses shall reduce the amount available In Construction Agreement With You
under the General Aggregate Limit or the
Products-completed Operations Aggregate A. Section II – Who Is An Insured is amended to
Limit, whichever is applicable; and include as an additional insured any person(s) or
organization(s) for whom you are performing
2. Such payments shall not reduce any
operations when you and such person(s) or
Construction Project General Aggregate
organization(s) have agreed in writing in a
Limit.
contract or agreement that such person(s) or
C. When coverage for liability arising out of the organization(s) be added as an additional
“products-completed operations hazard” is insured on your policy. Such person(s) or
provided, any payments for damages because organization(s) is an additional insured only with
of “bodily injury” or “property damage” included respect to liability for “bodily injury”, “property
in the “products-completed operations hazard”
damage” or “personal and advertising injury”
will reduce the Products-completed Operations
Aggregate Limit, and not reduce the General caused, in whole or in part, by:
Aggregate Limit nor the Construction Project
General Aggregate Limit. 1. Your acts or omissions; or
D. If the applicable construction project has been 2. The acts or omissions of those acting on
abandoned, delayed or abandoned and then your behalf:
restarted, or if the authorized contracting parties in the performance of your ongoing operations
deviate from plans, blueprints, designs, for the additional insured(s).
specifications or timetables, the project will still
be deemed to be the same construction project.
However:
E. The provisions of Section III – Limits Of 1. The insurance afforded to such additional
Insurance not otherwise modified by this insured only applies to the extent permitted
endorsement shall continue to apply as by law; and
stipulated. 2. The insurance afforded to such additional
insured will not be broader that which you
are required by the contract or agreement
to provide for such additional insured.
ST 17 44 04 19 Page 6 of 11
A person’s or organization’s status as an C. With respect to the insurance afforded to these
additional insured under this endorsement ends additional insureds, the following is added to
when your operations for that additional insured Section III – Limits Of Insurance:
are completed. The most we will pay on behalf of the additional
insured is the amount of insurance:
B. With respect to the insurance afforded to these
additional insureds, the following additional 1. Required by the contract or agreement you
have entered into with the additional
exclusions apply:
insured; or
This insurance does not apply: 2. Available under the applicable Limits of
Insurance shown in the Declarations;
1. To “bodily injury”, “property damage” or
“personal and advertising injury” arising out whichever is less.
of the rendering of, or the failure to render, This endorsement shall not increase the
any professional architectural, engineering applicable Limits of Insurance shown in the
or surveying services including: Declarations.
a. The preparing, approving, or failing to
prepare or approve, maps, shop XI. Additional Insured – Grantor Of Franchise When
drawings, opinions, reports, surveys, Required In Written Agreement With You
field orders, change orders or drawings
and specifications; or A. Section II – Who Is An Insured is amended to
b. Supervisory, inspection, architectural or include as an additional insured any person(s) or
engineering activities. organization(s) who has granted a franchise to
you, when you and such person(s) or
This exclusion applies even if the claims
organization(s) have agreed in writing in a
against any insured allege negligence or
contract or agreement that such person(s) or
other wrongdoing in the supervision, hiring,
employment, training or monitoring of others organization(s) be added as an additional
by that insured, if the “occurrence” which insured on your policy, but only with respect to
caused the “bodily injury” or “property their liability as grantor of a franchise to you.
damage”, or the offense which caused the
“personal and advertising injury”, involved However:
the rendering of or the failure to render any
1. The insurance afforded to such additional
professional architectural, engineering or
insured only applies to the extent permitted
surveying services.
by law; and
2. To “bodily injury” or “property damage”
2. The insurance afforded to such additional
occurring after:
insured will not be broader than that which
1. All work, including materials, parts or you are required by the contract or
equipment furnished in connection with agreement to provide for such additional
such work, on the project (other than insured.
service, maintenance or repairs) to be
B. With respect to the insurance afforded to these
performed by or on behalf of the
additional insureds, the following is added to
additional insured(s) at the location of Section III – Limits Of Insurance:
the covered operations has been
completed; or The most we will pay on behalf of the additional
insured is the amount of insurance:
2. That portion of “your work” out of which
the injury or damage arises has been 1. Required by the contract or agreement; or
put to its intended use by any person or
2. Available under the applicable Limits of
organization other than another
Insurance shown in the Declarations;
contractor or subcontractor engaged in
performing operations for a principal as whichever is less.
part of the same project.
ST 17 44 04 19 Page 7 of 11
This endorsement shall not increase the 2. Available under the applicable Limits of
applicable Limits of Insurance shown in the Insurance shown in the Declarations;
Declarations.
whichever is less.
XII. Additional Insured – Lessor Of Leased This endorsement shall not increase the
Equipment When Required In Written Agreement applicable Limits of Insurance shown in the
With You Declarations.
A. Section II – Who Is An Insured is amended to XIII. Additional Insured – Managers Of Lessors Of
include as an additional insured any person(s) or Premises When Required In Written Agreement
organization(s) from whom you lease equipment With You
when you and such person(s) or organization(s)
have agreed in writing in a contract or A. Section II – Who Is An Insured is amended to
agreement that such person(s) or include as an additional insured any person(s) or
organization(s) be added as an additional organization(s) from whom you have leased
insured on your policy. Such person(s) or premises, when you and such person(s) or
organization(s) is an additional insured only with organization(s) have agreed in writing in a
respect to liability for “bodily injury”, “property contract or agreement that such person(s) or
damage” or “personal and advertising injury” organization(s) be added as an additional
caused, in whole or in part, by your insured on your policy. Such person(s) or
maintenance, operation or use of equipment organization(s) is an insured only with respect to
leased to you by such person(s) or liability arising out of the ownership,
organization(s). maintenance or use of that part of the premises
leased to you and subject to the following
However: additional exclusions:
1. The insurance afforded to such additional This insurance does not apply to:
insured only applies to the extent permitted
by law; and
1. Any “occurrence” which takes place after
2. The insurance afforded to such additional you cease to be a tenant in that premises.
insured will not be broader than that which
2. Structural alterations, new construction or
you are required by the contract or
demolition operations performed by or on
agreement to provide for such additional
behalf of the manager or the lessor.
insured.
However:
A person’s or organization’s status as an
additional insured under this endorsement ends 1. The insurance afforded to such additional
when their contract or agreement with you for insured only applies to the extent permitted
such leased equipment ends. by law; and
B. With respect to the insurance afforded to these 2. The insurance afforded to such additional
additional insureds, this insurance does not insured will not be broader than that which
apply to any “occurrence” which takes place you are required by the contract or
after the equipment lease expires. agreement to provide for such additional
insured.
C. With respect to the insurance afforded to these B. With respect to the insurance afforded to these
additional insureds, the following is added to additional insureds, the following is added to
Section III – Limits Of Insurance: Section III – Limits Of Insurance:
The most we will pay on behalf of the additional The most we will pay on behalf of the additional
insured is the amount of insurance: insured is the amount of insurance:
1. Required by the contract or agreement you
have entered into with the additional
insured; or
ST 17 44 04 19 Page 8 of 11
1. Required by the contract or agreement; or from the manufacturer, and then
repackaged in the original container;
2. Available under the applicable Limits of
Insurance shown in the Declarations; e. Any failure to make such inspections,
adjustments, tests or servicing as the
whichever is less.
vendor has agreed to make or normally
This endorsement shall not increase the undertakes to make in the usual course
applicable Limits of Insurance shown in the of business, in connection with the
Declarations. distribution or sale of the products;
f. Demonstration, installation, servicing or
XIV. Additional Insured – Vendor When Required In
repair operations, except such
Written Agreement With You
operations performed at the vendor’s
premises in connection with the sale of
A. Section II – Who Is An Insured is amended to the product;
include any person(s) or organization(s)
(referred to below as vendor) but only with g. Products which, after distribution or sale
respect to “bodily injury” or “property damage” by you, have been labeled or relabeled
or used as a container, part or
arising out of “your products” which are
ingredient of any other thing or
distributed or sold in the regular course of the
substance by or for the vendor; or
vendor’s business.
h. “Bodily injury” or “property damage”
However: arising out of the sole negligence of the
vendor for its own acts or omissions or
those of its employees or anyone else
1. The insurance afforded to such vendor only
acting on its behalf. However, this
applies to the extent permitted by law; and
exclusion does not apply to:
2. The insurance afforded to such vendor will
(1) The exceptions contained in Sub-
not be broader than that which you are
paragraphs d. or f.; or
required by the contract or agreement to
provide for such vendor. (2) Such inspections, adjustments,
tests or servicing as the vendor has
B. With respect to the insurance afforded to these
agreed to make or normally
vendors, the following additional exclusions
undertakes to make in the usual
apply:
course of business, in connection
1. The insurance afforded the vendor does not with the distribution or sale of the
apply to: products.
a. “Bodily injury” or “property damage” for 2. This insurance does not apply to any
which the vendor is obligated to pay insured person or organization, from whom
damages by reason of the assumption you have acquired such products, or any
of liability in a contract or agreement. ingredient, part or container, entering into,
This exclusion does not apply to liability accompanying or containing such products.
for damages that the vendor would have
in the absence of the contract or
C. With respect to the insurance afforded to these
agreement;
vendors, the following is added to Section III –
b. Any express warranty unauthorized by Limit of Insurance:
you;
The most we will pay on behalf of the vendor is
c. Any physical or chemical change in the
the amount of insurance;
product made intentionally by the
vendor; 1. Required by the contract or agreement; or
d. Repackaging, except when unpacked 2. Available under the applicable Limits of
solely for the purpose of inspection, Insurance shown in the Declarations;
demonstration, testing, or the
substitution of parts under instructions whichever is less.
ST 17 44 04 19 Page 9 of 11
This endorsement shall not increase the XVII. Primary and Noncontributory – Other Insurance
applicable Limits of Insurance shown in the Condition
Declarations. Section IV – Commercial General Liability
Conditions, is amended by the addition of the
XV. Newly Formed Or Acquired Organizations following to the Other Insurance Condition and
supersedes any provision to the contrary:
A. Paragraph 3.a. of Section II – Who Is An Primary and Noncontributory Insurance
Insured is replaced by the following:
This insurance is primary to and will not seek
3. a. Coverage under this provision is contribution from any other insurance available
afforded only until the 180th day after to an additional insured under your policy
you acquire or form the organization or provided that:
the end of the policy period,
1. The additional insured is a Named Insured
whichever is earlier; under such other insurance; and
XVI. Duties In The Event Of Occurrence, Offense, 2. You have agreed in writing in a contract or
Claim Or Suit – Redefined agreement that this insurance would be
primary and would not seek contribution
A. The requirement in condition 2.a. of Section IV from any other insurance available to the
– Commercial General Liability Conditions additional insured.
that you must see to it that we are notified of an
“occurrence” only applies when the “occurrence” XVIII. Waiver Of Transfer Of Rights Of Recovery
or offense is known to: Against Others To Us When Required In Written
Agreement With You
1. You, if you are an individual;
2. A partner, if you are in a partnership; Section IV – Commercial General Liability
3. An officer of the corporation, if you are a Conditions, 8. Transfer of Rights of Recovery
corporation; Against Other To Us is amended by the addition of
4. Your members and managers, if you are a the following:
limited liability company;
5. Your insurance manager; or We waive any right of recovery we may have
6. The trustee, if you are a trust. because of payments we make for injury or damage
arising out of:
B. The requirement in Condition 2.b. of Section IV 1. Your ongoing operations or “your work” done
– Commercial General Liability Conditions under a written contract with that person or
that you must see to it that we receive notice of organization and included in the “products-
a claim or “suit” as soon as practicable will not completed operations hazard”; or
be considered breached unless the breach 2. The ownership, maintenance or use of that part
occur after such claim or “suit” is known to: of the premises leased to you.
1. You, if you are an individual; The waiver apples only to a person or organization
2. A partner, if you are in a partnership; with whom you have a written contract or agreement
3. An officer of the corporation, if you are a in which you are required to waive the right of
corporation; recovery under this policy, but only to the extent that
4. Your members and managers, if you are a subrogation is waived prior to any injury or damage
limited liability company; under a contract with that person or organization.
5. Your insurance manager; or This insured must do nothing after a loss to impair
6. The trustee, if you are a trust. our rights. At our request, the insured will bring “suit”
or transfer those rights to us and help us enforce
those rights.
ST 17 44 04 19 Page 10 of 11
XIX. Mobile Equipment Redefined
Paragraph 12.f., subparagraph (1) of Section V –
Definitions does not apply to self-propelled vehicles
of less than 1000 pounds gross vehicle weight.
XX. Unintentional Failure To Disclose Hazards
Any unintentional error or omission in the description
of, or failure to completely describe, any premises or
operations intended to be covered by this Coverage
Form will not invalidate or affect coverage for those
premises or operations. However, you must report
such error or omission to us as soon as practicable
after its discovery. This provision does not affect our
right to collect additional premium as a result of any
unintentional error or omission. In addition, this
provision does not affect our rights of cancellation or
nonrenewal in accordance with applicable insurance
laws or regulations.
ST 17 44 04 19 Page 11 of 11
COMMERCIAL GENERAL LIABILITY
ST 16 46 03 2012
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
ADDITIONAL INSURED – OWNERS, LESSEES OR
CONTRACTORS – AUTOMATIC STATUS WHEN
REQUIRED IN CONSTRUCTION AGREEMENT WITH YOU –
PRODUCTS-COMPLETED OPERATIONS
This endorsement modifies insurance provided under the following:
COMMERCIAL GENERAL LIABILITY COVERAGE PART
A. Section II – Who Is An Insured is amended to C. With respect to the insurance afforded to these
include as an additional insured any person or or- additional insureds, the following additional
ganization for whom you are performing operations exclusions apply:
when you and such person or organization have This insurance does not apply to "Bodily injury",
agreed in writing in a contract or agreement that "property damage" or "personal and advertising
such person or organization be added as an addi- injury" arising out of the rendering of, or the failure
tional insured on your policy. to render, any professional architectural,
1. Such person or organization is an additional engineering or surveying services, including:
insured only with respect to liability for "bodily 1. The preparing, approving, or failing to prepare
injury", "property damage" or "personal and or approve, maps, shop drawings, opinions, re-
advertising injury" caused, in whole or in part, ports, surveys, field orders, change orders or
by: drawings and specifications; or
a. Your acts or omissions; or 2. Supervisory, inspection, architectural or
b. The acts or omissions of those acting on engineering activities.
your behalf;
in the performance of “your work” for the
additional insured; and
2. Such written contract or written agreement
must be:
a. Currently in effect or becoming effective
during the term of this policy; and
b. Executed prior to the “bodily injury”, “proper-
ty damage”, or “personal and advertising in-
jury”.
B. The coverage provided the additional insured by
this endorsement does not apply to “bodily injury”
or “property damage” arising out of the “products-
completed operations hazard” unless required by
the written contract or written agreement. When
coverage does apply to “bodily injury” or “property
damage” arising out of the “products-completed
operations hazard”, such coverage will not apply
beyond the lesser of:
1. The period of time required by the written con-
tract or written agreement; or
2. Two years from the completion of “your work”
on the project which is the subject of the written
contract or written agreement.
ST 16 46 03 2012 Includes Copyrighted Material of Insurance Services Office, Inc. Page 1 of 1
Used with Permission
POLICY NUMBER: ACV102052050 COMMERCIAL AUTO
ST 17 18 06 17
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.
AUTO PREMIER PLUS
This endorsement modifies insurance provided under the following:
BUSINESS AUTO COVERAGE FORM
With respect to the coverage provided by this B. Increased Supplementary Payments
endorsement, the provisions of the Business Auto Paragraphs 2.a. (2) and (4) Supplementary
Coverage form apply unless modified by the
Payments are replaced by the following:
endorsement.
(2) Up to $5,000 for the cost of bail bonds
SECTION I – COVERED AUTOS (including bonds for related traffic law
violations) required because of an “accident”
The following is added to paragraph C. Certain we cover. We do not have to furnish these
Trailers, Mobile Equipment and Temporary bonds.
Substitute Autos:
(4) All reasonable expenses incurred by the
If Physical Damage Coverage is provided by the “insured” at our request, including actual loss
Business Auto Coverage Form, any “auto” you do not of earning up to $500 a day because of time
own while used with permission of its owner as a off from work.
temporary substitute for a covered “auto” you own
that is out of service because of its breakdown, repair,
SECTION III – PHYSICAL DAMAGE COVERAGE
servicing, “loss” or destruction is also a covered “auto”
for Physical Damage Coverage. The coverage A. Coverage, 4. Coverage Extensions, b. Loss of
provided for the temporary “auto” will be the same Use Expenses is replaced by the following:
coverage and deductible as the “auto” it replaces. b. Loss of Use Expenses
C.1. is amended to read: For Hired Auto Physical Damage, we will pay
“Trailers” with a load capacity of 3,000 pounds or less expenses for which an “insured” becomes
designed primarily for travel on public roads. legally responsible to pay for loss of use of a
SECTION II – COVERED AUTOS LIABILITY vehicle rented or hired without a driver under a
COVERAGE written rental contract or agreement. We will
pay for loss of use expenses if caused by:
A. Coverage
(1) Other than collision only if the Declarations
Paragraph A.1., Who is an Insured is amended to
indicates that Comprehensive Coverage is
include as an insured:
provided for any covered “auto”;
d. Blanket Additional Insureds
(2) Specified Causes of Loss only if the
Any person or organization whom you are required Declarations indicates that Specified
in a written contract or agreement to include as an Causes of Loss Coverage is provided for
additional “insured” with respect to your ownership,
any covered “auto”; or
maintenance or use of a covered “auto”. This
provision only applies to written contracts or (3) Collision only if the Declarations indicates
agreements that are signed prior to any “bodily that Collision Coverage is provided for any
injury” or “property damage” to which coverage covered “auto”.
applies. However, the most we will pay for any
Coverage under this provision d. shall be primary expenses for loss of use is $30 per day, to
and non-contributory with respect to the person or maximum of $900.
organization included as an “insured” under this The following coverages are added to
provision d., but only if the written contract or
Paragraph A. Coverage, of the PHYSICAL
agreement requires coverage to be primary and
non-contributory. DAMAGE COVERAGE:
ST 17 18 06 17 Includes Copyrighted Material of Insurance Services Office, Inc., Page 1 of 6
Used with Permission
5. Hired Auto Physical Damage Coverage This coverage applies only in the event that the
If hired “autos” are covered “autos” for Liability “loss”:
Coverage, and if Comprehensive, Specified a. Disables a covered “auto”; and
Causes of Loss, or Collision coverage are b. Occurs more than 100 miles from the insured
provided under the Business Auto Coverage Form address shown in the Declarations or the
for any “auto” you own, then the Physical Damage garaging address of your covered “auto”, if it
coverages provided are extended to “autos” you is different from the insured address.
hire, subject to the following:
We will pay the additional living expenses
a. The most we will pay for “loss” to any hired incurred until your covered “auto” is returned to
“auto” is the lesser of: use or we pay for its “loss”.
(1) $50,000; 8. Locked Vehicle Coverage
(2) Actual Cash Value; or We will pay to have your covered “auto” unlocked
(3) Cost of Repair. if your vehicle’s keys are locked inside your
b. For each hired “auto”, our obligation to pay for covered “auto”. Collision, Specified Causes of
“loss” will be reduced by the deductible. The Loss, and Comprehensive deductibles do not
deductible will be equal to the largest deductible apply to this coverage
applicable to any owned “auto” for that 9. Rental Reimbursement Coverage
coverage. No deductible applies to “loss” The following coverage is added to SECTION III
caused by fire or lightning. PHYSICAL DAMAGE COVERAGE, A.
c. The insurance provided under this coverage Coverage:
extension is excess over any other collectible a. This coverage applies only to a covered “auto”
insurance.
described in the policy.
d. Subject to the above limit, deductible and b. We will pay for rental reimbursement
excess provisions, we will provide coverage
equal to the broadest coverage applicable to expenses incurred by you for the rental of an
any covered “auto” you own. “auto” because of “loss” to a covered “auto”.
Payment applies in addition to the otherwise
6. Air Bag Coverage
applicable amount of each coverage you have
We will pay up to a maximum of $1,000 per on a covered “auto”. No deductible applies to
occurrence to have air bags in your covered this coverage.
“auto” replaced for an incurred “loss” resulting
from accidental deployment. Collision, Specified c. We will pay only for those expenses incurred
Causes of Loss, and Comprehensive deductibles during the policy period beginning 24 hours
do not apply to this coverage. after the “loss” and ending, regardless of the
7. Additional Living Expense policy’s expiration, at a maximum of 30 days.
d. Our payment is limited to the lesser of the
We will pay up to $25 a day, to a maximum of
$400 for additional living expenses, meaning following amounts:
food, lodging and telephone costs, incurred by (1) Necessary and actual expenses incurred.
you due to a covered “loss” caused by: (2) A maximum payment of $60 per day.
a. Comprehensive only if the Declarations e. This coverage does not apply while there are
indicate that Comprehensive Coverage is spare or reserve “autos” available to you for
provided for that “auto”. your operations.
b. Specified Causes of Loss only if the f. If “loss” results from the total theft of a covered
Declarations indicate that Specified Causes “auto” of the private passenger type, we will
of Loss Coverage is provided for that auto. pay under this coverage only that amount of
c. Collision only if the Declarations indicate that your rental reimbursement expenses which is
Collision Coverage is provided for that auto. not already provided for under the PHYSICAL
DAMAGE COVERAGE Coverage Extension.
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Used with Permission
10. Loan Lease Gap Coverage a. Assumed by a written contract or agreement
In the event of a total “loss” to a covered “auto” prior to the “loss”; or
shown in the Schedule or Declarations we will pay b. Required by law or ordinance.
any unpaid amount due on the lease or loan for a No deductible applies to this coverage.
covered “auto”, less:
13. Fire Extinguisher Recharge
a. The amount paid under the Physical Damage
Coverage Section of the policy; and We will pay the lesser of the actual cost of
recharging or replacing fire extinguishers kept in
b. Any; your covered “auto” that are discharged
(1) Overdue lease/loan payments at the time intentionally attempting to extinguish a fire.
of the “loss”; No deductible applies to this coverage.
(2) Financial penalties imposed under a 14. Personal Effects
lease for excessive use, abnormal wear
and tear or high mileage; Physical Damage Coverage afforded to a covered
“auto” may be extended to cover “loss” to your
(3) Security deposits not returned by the personal property or, if you are an individual, the
lessor; personal property of a family member, that is in a
(4) Costs for extended warranties, Credit Life covered “auto” at the time of “loss”.
Insurance, Health, Accident or Disability The most we will pay for any one “loss” is $500.
Insurance purchased with the loan or
lease; and 15. Miscellaneous Equipment
(5) Carry-over balances from previous loans We will pay the lesser of the actual cash value,
or leases. cost to repair or replacement cost for “loss” to
your miscellaneous equipment, consisting of hand
11. Fuel in Vehicle Coverage trucks, dollies, pads, pallets, covers, binders,
With respect to a covered “loss” for a covered tarps, tie-downs, chains and other similar
“auto”, we will also pay the actual “loss” sustained equipment used for handling property transported
for the “loss” of fuel used to operate your “auto”. by your covered “auto”. The most we will pay for
You must provide documentation supporting your any “loss” is $1,500.
claim for “loss”. Exclusions
Deductible We will not pay for loss caused by:
a. If “loss” to the fuel is the result of a “loss” to the a. Theft, unless there are visible signs or marks
covered “auto” under the Business Auto of forcible entry into the covered “auto” and the
Coverage Form’s Comprehensive or Collision theft is reported to law enforcement
Coverage, then payment for “loss” will be authorities; or
reduced by the applicable deductible shown in
the declarations for the covered “auto”. In the b. Mysterious disappearance.
event of “loss” due to fire or lightning, no Deductible
deductible will apply.
a. If “loss” to the miscellaneous equipment is the
b. If “loss” to the fuel is the result of a “loss” to the result of a “loss” to the covered “auto” under
covered “auto” under the Business Auto the Business Auto Coverage Form’s
Coverage Form’s Specified Causes of Loss Comprehensive or Collision Coverage, then
Coverage, then payment for “loss” will be payment for “loss” will be reduced by the
reduced by the applicable deductible of $100. applicable deductible shown in the
c. If “loss” occurs solely to fuel then our obligation declarations for the covered “auto”. In the
to pay will be reduced by the applicable event of “loss” due to fire or lightning, no
deductible of $100 for this coverage. deductible will apply.
In the event more than one deductible applies to b. If “loss” to the miscellaneous equipment is the
the “loss”, only the highest deductible will apply. result of a “loss” to the covered “auto” under
In no event will more than one deductible apply. the Business Auto Coverage Form’s Specified
Causes of Loss Coverage, then payment for
12. Fire Department Service Charge “loss” will be reduced by the applicable
We will pay up to $1,000 for your liability for fire deductible of $100.
department charges resulting from a covered
“loss”, providing that your liability for such charges
is:
ST 17 18 06 17 Includes Copyrighted Material of Insurance Services Office, Inc., Page 3 of 6
Used with Permission
c. If “loss” occurs solely to the miscellaneous a. An integral part of the same unit
equipment, then for each covered “auto” housing any sound reproducing
payment for “loss” will be reduced by the equipment designed solely for the
applicable deductible of $100 for this reproduction of sound if the sound
coverage. reproducing equipment is permanently
In the event more than one deductible applies to installed in the covered “auto”; and
the “loss”, only the highest deductible will apply. b. Permanently installed in the opening of
In no event will more than one deductible apply. the dash or console normally used by
16. Audio, Visual and Data Electronic Equipment the manufacturer for the installation of
a radio.
A. Coverage
C. Limit of Insurance
1. We will pay with respect to any covered
“auto” covered under Item A.1. Of Physical With respect to coverage under this
Damage Coverage in the Business Auto extension, the Limit of Insurance provision of
Coverage Form for “loss” to any electronic Physical Damage Coverage is replaced by
equipment that receives or transmits audio, the following:
visual or data signals and that is not 1. The most we will pay for all “loss” to audio,
designed solely for the reproduction of visual or data electronic equipment and
sound. This coverage applies only if the any accessories used with this equipment
equipment is permanently installed in the as a result of any one “accident’ is the
covered “auto” at the time of the “loss” or lesser of:
the equipment is removable from a housing a. The actual cash value of the damaged
unit which is permanently installed in the or stolen property as of the time of the
covered “auto” at the time of the “loss”, and “loss; or
such equipment is designed to be solely
operated by use of the power from the b. The cost of repairing or replacing the
“auto’s” electrical system, in or upon the damaged or stolen property with other
covered “auto”. property of like kind and quality.
2. We will pay with respect to any covered 2. An adjustment for depreciation and
“auto” covered under Item A.1. Of Physical physical condition will be made in
Damage Coverage in the Business Auto determining actual cash value at the time
Coverage Form for “loss” to any of the “loss”.
accessories used with the electronic 3. We may deduct for betterment if:
equipment described in Paragraph A.1.
a. The deductions reflect a measurable
above. However, this does not include
decrease in market value attributable to
tapes, records or discs.
the poorer condition of, or prior damage
B. Exclusions to, the vehicle.
The exclusions that apply to Physical b. The deductions are for prior wear and
Damage Coverage, except for the exclusion tear, missing parts and rust damage
relating to Audio, Visual and Data Electronic that is reflective of the general overall
Equipment, also apply to coverage provided condition of the vehicle considering its
by this extension. In addition, the following age. In this event, deductions may not
exclusions apply: exceed $500.
We will not pay, under this extension, for D. Deductible
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:
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Used with Permission
1. If “loss” to the audio, visual or data b. For “medium trucks” we will pay up to
electronic equipment or accessories used $150 per disablement. “Medium
with this equipment is the result of a “loss” trucks” are trucks that have a gross
to the covered “auto” under the Business vehicle weight (GVW) of 10,001 –
Auto Coverage Form’s Comprehensive or 20,000 pounds.
Collision Coverage then for each covered However, the labor must be performed at
“auto” our obligation to pay for, repair, the place of disablement.
return or replace damaged or stolen
property will be reduced by the applicable B. Physical Damage Increased
deductible shown in the Declarations. Any Transportation Expense Coverage
Comprehensive Coverage deductible Coverage for temporary transportation
shown in the Declarations does not apply expense under Paragraph A.4.a. Coverage
to “loss” to audio, visual or data electronic Extension is increased to $50 per day, up to a
equipment caused by fire or lightning. maximum limit of $1,000.
2. If “loss” to the audio, visual or data
electronic equipment or accessories used
with this equipment is the result of a “loss”
to the covered “auto” under the Business C. Deductible
Auto Coverage Form’s Specified Cause of The following are added to Paragraph D.
Loss Coverage, then for each covered Deductible of SECTION III – PHYSICAL
“auto” our obligation to pay for, repair, DAMAGE COVERAGE:
return or replace damaged or stolen
property will be reduced by the applicable 1. Glass Repair
deductible of $100 for this coverage. No deductible applies to glass damage if
the glass is repaired rather than replaced.
3. If “loss” occurs solely to the audio, visual
or data electronic equipment or 2. When a truck tractor and an attached
accessories used with this equipment, trailer are damaged in the same collision
then for each covered “auto” our obligation loss, only one deductible will be applied
to pay for, repair, return or replace and that will be the highest deductible
damaged or stolen property will be applicable to the tractor or trailer.
reduced by the applicable deductible of
$100 for this coverage. SECTION IV – BUSINESS AUTO CONDITIONS
4. In the event that there is more than one A. Unintentional Failure to Disclose Hazards
applicable deductible, only the highest
deductible will apply. In no event will more Paragraph B., General Conditions, is
than one deductible apply. amended by adding the following:
9. Unintentional Failure to Disclose
The following changes have been made to Hazards
Section III – Physical Damage Coverage: If you unintentionally fail to disclose any
A. Towing and Labor hazards or exposures existing as of the
Paragraph A.2. Towing under Section III inception date of the Business Auto
PHYSICAL DAMAGE COVERAGE, is Coverage Form, the coverage afforded by
deleted and replaced by the following: this policy will not be prejudiced. However,
you must report the undisclosed hazard or
2. Towing and Labor exposure as soon as practicable after its
We will pay towing and labor costs discovery, and we have the right to collect
incurred up to the limits shown below, additional premium for same.
each time a covered “auto” classified and B. Waiver of Transfer Of Rights Of Recovery
rated as a private passenger type, “light Against Others To Us – Automatic Status
truck” or “medium truck” is disabled: Under An Insured Contract
a. For private passenger type vehicles Paragraph A.5. Transfer of Rights of
or “light trucks” we will pay up to $75 Recovery against Others to Us is amended
per disablement. “Light trucks” are by the addition of the following paragraphs:
trucks that have a gross vehicle
weight (GVW) of 10,000 pounds or
less.
ST 17 18 06 17 Includes Copyrighted Material of Insurance Services Office, Inc., Page 5 of 6
Used with Permission
a. We waive any right of recovery we
may have against any person or
organization described in Paragraph
b. below because of payments we
make for “bodily injury” or “property
damage” caused by an “accident” and
resulting from the ownership,
maintenance, or use of a covered
“auto” in performance of work being
performed under a contract with that
person or organization.
b. The waiver applies only to a person
or organization with whom you have a
written contract or agreement in
which you are required to waive the
rights of recovery under this policy,
but only to the extent that subrogation
is waived prior to the “accident” or the
“loss” under a contract with that
person or organization.
Page 6 of 6 Includes Copyrighted Material of Insurance Services Office, Inc., ST 17 18 06 17
Used with Permission