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Under B. Exclusions, Fellow Employee, the following paragraph is added: But INS exclusion does not apply to 'bodily injury" to a fellow Woyed' caused by any person whose positron within the insured organization is at or above the level of manager or supervisor. Coverage afforded by this provision is excess over any other collectible insurance. In SECTION Ill - PHYSICAL DAMAGE COVERAGE, the follo:ving changes are made: Under A. Coverage, Glass Breakage - Hitting A Bird Or Animal - Failing Objects Or Missiles, the foilaving is added: If damage to glass is repaired in aeu or being replaced, no deductible will apply for repair only. Under A. gmmrag% Coverage Extensions, the fopowing is added: c. Personal Effects Coverage In the event of a total theft of your covered auto", for which you carry either Comprehensive or Spec" Causes or toss coverage, we will pay.up to $500 for the personal effects which are: 1. owned by you; and 2 in your covered lauto" at the time of the total theft of such "auto". No deductible applies to Personal Effects Coverage. Under A. Coverage, the following is added: 5. Lease and Low Gap Coverage In the event of a total 'loss" to a covered auto" shown in ft Schedule or Declarations for which a specific premium. charge indicates that physical damage coverage appy. we will pay any unpaid amount due on the lease or loan for a covered "auto", less: a The amount paid under the Physical Damage Coverage section of the policy. and b. Any - (1) Overdue leasetloan payments at the time of the loss"; (2) Financial penalties Imposed under a lease for excessive use, abnormal weer and tear or high mg -- (5) Carry-over balances from previous loans or leases. Under D. Deductible, the following paragraph is added: When Collision Coverage is provided by this policy, the deductible amount will not be subtracted from the loss payment in collisions involving your covered "auto" and another auto covered by Allstate Insurance Company or any of it's affiliates. In SECTION IV - BUSINESS AUTO CONDITIONS, the following changes are made: Under A. Loss Conditions. Duties In The Event Of Accident, Claim, Suit Or loss Condition. the following is added under subpart a: Knowledge of an accidenr or 'toss" by any or your agents, servants or "employees" shall not in itself constitute knowledge by you, unless you or one of your corporate Officers or managers, or any assignee, shall have received such notice from ft agent, servant or "employee". When you report an occurrence of any "accident or lose to a Workees Compensation carrier or self insured pian providing the named insurd's Worker's Compensation insurance which late develops into a claim submitted under this policy, failure to report such "accident' or loss" to us at the same time shat) not be deemed a violation of this condition. After you become'aware of such fnidnlity claim arising from the 'ecoidenr or 'loss", you must giveus prompt notice. Under A. Loss Conditions, Transfer of Rights of Recovery Against others To tLs, the 'oltowing t /is added: We waive any right of recovery we may have against any person or organization because of payments we make for injury or damage arising out of work you perform under a contract with such person or organization, in which you have agreed to waive your fight of such recovery. (3) Security deposits not returned by the lessor; Includes copyrighted material of Insurance Services Office, Inc., with its permission AA CW 20 10 11 Ablate Insurance Company . _ ..__ Page 2 of 3 Anthony Croce Policy #1548737720