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Binder Coverage Summary Binder Page 40 of 48 AUTO BROAD FORM COVERAGE SUMMARY Applicable in all states but Virginia, New York The Hartford’s Commercial Auto insurance policy,including our Broad Form endorsement added at no additional cost, provides your clients with some of the broadest and most robust coverage available.Our Auto Broad Form endorsement includes: Hired auto physical damage When owned autos are insured, coverage up to $100,000 also applies to any auto your client rents, loans or leases. Hired auto coverage territory For liability arising out of the operation of hired autos, the Broad Form expands the coverage territory to include anywhere in the world. Broad form named insured The Broad Form automatically includes legal business entities such as corporations and LLCs that are the insured’s subsidiaries, or that are newly acquired or formed by the insured (but does not include partnerships or joint ventures).The Broad Form also includes employees and lessors as insureds, and any person or organization required by contract to be named as an additional insured. Additional insured if required by contract The Broad Form provides automatic additional insured coverage when a Named Insured agrees to provides such coverage in a written contract. Primary and non-contributory if required by contract The Broad Form provides automatic primary, non-contributory coverage to additional insureds when a Named Insured agrees to provide such coverage in a written contract. Electronic equipment coverage The Broad Form provides coverage for equipment that receives or transmits audio, visual or data signals (such as GPS, backup cameras and DVD entertainment systems) if the equipment is: ·permanently installed in a covered auto by the dealer or the original equipment manufacturer; and ·designed to be operated by the power from the auto’s electrical system. Fellow employees exclusion Does not apply if workers’ compensation insurance is in-force on all employees. Expense for temporary transportation The Broad Form increases the expense limit to $50 per day, up to a maximum of $1,000, when a covered private passenger auto is involved in a total theft. Additional rental reimbursement coverage is available for a charge. Extra expense The Broad Form provides additional reimbursement for costs incurred returning a stolen vehicle to the insured. Lease gap and loan gap The Broad Form pays the outstanding balance of a lease or loan in the event of a total loss to a covered auto. Waiver of Subrogation The Broad Form waives the right to subrogation when the Named Insured agrees to waive this right in a written contract. Waiver of physical damage deductible—glass repair Applies when damaged glass is repaired instead of replaced. Waiver of the smallest deductible The Broad Form waives the smallest applicable deductible when a single event results in damage to property covered by more than one Hartford insurance policy. Docusign Envelope ID: 8B1A83C1-5D3E-8229-81C5-784070B121B4