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PROOF OF INSURANCE (2023 - 2024) CLOSEDA STILLWATER 9NSURANCF COMPANY RM BUSINESS OWNER POLICY DECLARATIONS Stiftater Insurance Group PO BOX 45126, JACKSONVILLE FL 32232-51 126 855-712-4114 Named Insured and Mailing Address Policy Number BP30101 1173 GALINA MEDVEDEVA Agency — and Siervice Contact EL SEGUIN DO CA 90245-3753 LERA INSURANCE SERVICES tNC (818)618-3488 Policy Period 05/01/2023 to 05/01/2024 12: Oil AM Standard Time at die Prem i ses location 'THIS POLICY DQ_F,,5 NQ i COVER EART"QUAKE OR FLOOD DAMAGE ** In renirn for timely payment and subject to all policy terms and conditions, we agree with you to provide insurance as stated in this policy, declarations, and every applicable form and endorsement. Alsw - Amount of insurance lirnits shown are not stackable across locations or buildings, With respect to Bus,niess LiabiI4 and Medical Expenses -each claim paid reduces the amount of insurance provided during the applicable annual period; and, Ificoverage limits or deductibles are indicated "included" refer to policy provisions for coverage, conditions, and amount of insurance: details, PREMIUM AND FEES Annual Prainiurn $ 41.05 Terrorism Certified Acts $ 3.80 Policy Fee W New Business $ 510. 010, Total Annual Premium & Charges $ 466.85i SIB DS 01 11 17 SECTION I - PROPERTY: Coverages, Forms, Limits, & Deductibles Applicable Eor Specified Premises Premises/L,ccat ion 1, Ruilding 1 3, EL SEGUNDO, CA 90'245 Square Feet:6,476 Building Limit Annual Increase. 4,0% Use: Wellness Coaching Coverage Business Personal Property (EPP) Business income Accounts Receivable Arson Reward Debris Removal Extra Expense Fire Department Service Charge Fire Extinguisher System Recharge Fix, Jewelry or Patterns Theft or Damage Lock Replacement Pollutant Clean-up and Removal Valuable Papers and Records Form Number Limit Deductible BPI 0,0 03 07 13 $15' , 0001 $1,000 BP 00 03 07 13 12 Months 72 Hours BP 00 03 07 13 $10,000 $1,000 SB 04 02 05 15 $10,000 None BP 00, 03 07 13 $25,000 $1,000 RP 00 03 07 13 12 Month s None BP 010 03 07, 13 $2!, 500 None BP 00 03 107 13 $5,000 No SP 00 03 07 13 $2,500 $1,000 SS 014 06 05 15 $1,0100 None SP 00 03 07 13 $101, 010101 $1,000 BPI 00 03 01), 13 $10, 000 $1,000 SECTION I - PROPERTY: Coverages, ForMS, Limits & Deductibles Applicable Per Policy Coverage Form Number Limit Deductible Computer Operations interruption BP O'O 03 07 13 $1.0,000 72 Hours Electronic Data Damage BP 00 03 07 13 $n'000 $1,000 Fbrgery or Alterations BP 00 03 07 13 $2,500 $500 Identity Recovery Coverage SB 04 51 12 17 $25,000 $500 SECTION IT - LIABILITY AND MEDICAL ZXPENSRS: Coverages, Forms a Limits Applicable Per. Policy Coverage Form Number Limit Medical Expense - $10,000 Any One Person BP 00 03 07 13 IN LIAR LIMIT Personal & Advertising injury BP 00 03 07 13 IN LIAR LTMIT Business Liability Per. Occurrence BP 00 03 07 13 $11,000,000 Business Liability Aggregate' BP 00 03 07 13 $2,1000,000 Business Liability Prods -Completed Ops BP 00 03 W7 13 $2,000,000 Damage to Premises Rented to You BP 0,0 03 07 13 $100,000 A DS 01 1 17 SECTIUN iiI - ADDIT10NAL INTERESTS Additional insured; THE CITY OF EL SEGUNDO, ITS OFFTCERS, OFFICIALS, EMPLYS, AGETS, AND VOLUNTEERS, 350 MAIN ST, EL -SEGUNDO, CA 9024S-3813 SB DS 01 H 17 5 SECTION IV - ADDITIONAL FORMS, Applicable to All Premises and Craver ."ages Coverage Form Number Calculation of Premium 9P 05 01 07 lD2 Exclusion Punitive Damages, SB 04 03 08 14 Exclusion of Loss Due to By--P,roduct5 of Production or Processing SB 014 17' 08 34 Operations Cap on Losses, From Certified Acts of 'Terrorism BP 5 23 03, 15 Disclosue Pursuant to Terrorism Risk Insiirance Act BP 05 15 01 15 Californ.ia Diclosure Notice FNIC DN CA a] 06 Exclusion - Fungi or Bacteria i(Liability) BP 05 77 01 06 Blanket Additional :Insured & Subrogation Waiver SA 04 36 01 17 California Changes Bp 01 55 05 17 Privacy Policy PRIVACY POLICY 01 20 California, Race, National Origin & Gender Form CA RNOGBPF 04 21 California Fraud Statement TL N 018 01 22 Exclusion Access or Disclosure of Canfidential or Personal BP 15 05 05 14 Information and Data -Related Liability Employment -Related Practices Exclusion BP 04 17 01 10 Exclusion of Certified Acts of Terror - NUClear, Biological, BP 05 26 01 15 Chemical, or Radiological Equipment Breakdown Schedule SB DS 07 12 17 Equipment Breakdown Protection Coverage SB 04 53 12 17 7. Sigined: . ... . ... SB DS 01 11 17 7 33ZMMZK�� u3nagmia For your protection, California law, requireis thie foHowing to apipear on this formo Any person who knowinj presents faise or fraudWent infoirmiationi, to obtain or arnend Insurance coverage or to make a claim for payment of a loss Is guilty of a crime and may be subject to, fines and confinement in state prison. IL N 018, 01122insurance Services Office,, Inc., 2021 Page 1 of 1 STILLWATER INSURANCE COMPANY P0 BOX 45126 JACKSONVILLE Fl32232-5126 STILLWATER 855-712-4114, NSUKANCE COMPANY EQUIPMENT BREAKDOWN COVERAGE SCHEDULE Named Insured and Mailing Address Policy Number BP3001 173 GALINA MEDVEDEVA Agency and Service Contact LERA INSURANCE SERVICES INC El. SEGUNDO CA 9�0245-3753 (818)618-3488 Policy Period 05�101 /2023 to O5/01/2024 12:01 AM S,tandard Time at, the Premises location Equipment Breakdown is suect IoLimitv q ,flnsuranceshown below, Thew coverages qpply to all locations covered on ,the policy, unless other wise specxfleuil Coverages 111mits Equipment Breakdown Limit $ 15,000 Data Restoration $, 15,00�O Expediting Expenses $ 1 '(.)()o Hazardous Substances $ 15,000 Off Premises Equipment Brcakdown $ 10,000 spoilage $ 15,000 Deductibles Combined, All Coverages 411 IT'S 07 12 17 Page 1 of 1 BLANKET ADDITIONAL, INSURED AND BLANKET INSURAON WAIVER 11��liiiijj 111111111111111 �111111 111111111111111111 �11111111 rj1111112r, It 1 l�!! i I i The —following is, added to Paragraph C. Who Is An Insured:! Any person or organization In a written agreement with you requiring Indemnification an additional insured on your policy with regard to their respective business interest, However, coverage applies, only to liability due to "bodily iinjuryproperty darnage", or "personal and advertising injury" caused, in whole! or part, by your acts or those performing operations on your behalf, or In: connection, with your franchise, equipment, or part of premises used by you and listed in your declarations, o�r, if a vendor,, likewise when liability arises from "your product"' as distributed or sold in the vendor's regular course of biusiniess. Coverage does not apply to liability resulting from the additional Insured's sole negligence, And there is no coverage for structural alterations, new construction, and demolition! steps performed by or on behalf of additional insureds, lnsurance coverage afforded, limits, and the most we will pay on behalf of additional Insureds 1. Only up to the extent permitted by taw; 2. Not broader than your agreement with the additional Insured; and, 3. Available under applicable flimits of insurance shown in declaration% or whichever is less, However, Insurance afforded to vendors does, not apply tok 1. Any express warranty unauthorized by you; 2. Any product physical or chemical change made irtentiodor; 3. Demonstration, Installation, service or repair, except on vendor's premises for your product's 4. Package or label changes,, use as a container, a part, or ingredient of another thing by the vendor, or, 5. Those who supply products, ingredients, or part of containers,, in or affecting your products,, ----------- ------- 7 T'hei following is added to ParagrapOther Insurance and, supersedes any provision to the contrary: Primary And Noncontributory Insurance (Blanket Insurance Siulbrogalion Waiver) This, insurance is primary to, and wili not seek contribution from, other insurance available to an additional Insured provided', 1. The adonal Insured is a named insured under such other insurance,, and, 2, You have a wiritten, agreement slating your insurance would be primary and would not seek contribution from, other insurance available to the additional Insured, lindudes copyihghted matedal of Insurance Services use, $nc, with As permsslion I Various provisions in this policy restrict coverag Read the entire policy careful'ly to determine righ duties and what Is and is not covered, Throughout this, Coverage Form, the words "you" a "your"' refer to the Named Insured shown in t Declarations. The words "we", "us" and "our" refer the company providing this insurance. In Section 11 - Liability, the word! 'Insured" means a person or organization qualifying as such uni Paragraph C. Who Is An Insured, Other word's and phrases that appear in quotatj marks, have special Meaning. Refer to Paragraph Property Definitions in, Section I - Property a Paragraph F. Liability And Medical Expens Definitions In Sectlon 11 - Liability. SECTION I - PROPERTY A. Coverage We will play for direct physical loss of or damage Covered Property at the: premises described in 11 eclarations caused by or o resulting frm,, a Covered Cause of Loss, I D 11. Covered Property Covered Property includes Buildings described under Paragraph a. below, Biusine Personall Property as described und- Paragraph bi. beilow, or both, depending whether a Limit Of Insurance I's shown in t Declarations for that type of prope Regardless of whether coverage is shown the Declarations for Buildings, Bu:slne Personal Property, or both, there Is coverage for property described und Paragraph 2. Property Not Covered. a. Buildings, meaning the buildings a structures at the premises described in ft Declarations, incluid:ing- (1) Completed additions, (2) Fixtures, Including outdoor fixtures; (3) Permanently installed-, (5) Personal property owned by you that is used to maintain or service, the biulidings or structures or the premiises, inclucling: (a) Fire extinguishing equipment; (b) Outdoor fumitur% (c), Floor coverings; and (d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering, (6), If not covered by other insurance: (a) Additions under construction, alterations and repairs, to the buildings or structures; Wl Materials, equipment, supplies and temporary structures, on: or within 11001 feet of the described premises, usled for making additions, alterations or repairs to the, buildings or structures. Business Personal Property located in or on the buildings or structures at the described premises or in the open (or in a vehicle) within 100 feet of the buildings or structures or within 100 feet of the premises cleschbed in the Declarations, whichever distance is greater, Including: (1) Property you owin that is used in your business, (2) Property of others that is in yoiur care, custody or control, eixcept as otherwise provided in Loss, Payment Property Loss Condition Paragraph, E.5.d.(3)(b); (31) Tenant'8i irnprovementsi and betterments. Improvements and betterments are fixtures, alteral installations or additions, (a): Made a part of the building or structure you occupy but do not own and (a) Machinery, and (b) You acquired or made at your (b) Equipment; expense but cannot legally remove; ()"your personal property in apartments, (4) Leased personal property which you rooms or col areas furnished by have a contractual responsibility to, you as landlord; insure, unless otherwise provided for under Paragraph 11.b.(2); and 8P 00 03 0713 @insurance Services Office, Inc., 2012 Page 1 of 53 (�5) Exterior building glass, if you are a tenant and no Limit Of Insurance is shown in the Declarations for building property, The glass must be owned by you or in your care, custody or cont�rol. RKZ��a 3 U. F ve iicles subject to motor vehi,c�e registration,; b. "Money" or "securities" except as provided in the: (1�) Money And Securities Optional Coverage; or (2), Employee Dishonesty Optional Coverage, c. Contraband, or property in the course of illegal transportation or trade; d., Land (including land on which the property is lo:cated)i, water, growing crops or lawns (other than lawns which are part of a vegetated roof): e. Outdoor fences, radio or television antennas (including satellite dishes) and their lead-in wiring, masts or towers, signs (other than signs attached to buildings), trees, shrubs or plants (other than trees, shrubs or plants which are part of 2 vegetated roofl, all except as providled in the: (1) Outdoor Property Coverage Extenslon;� or (2) Outdoor Silgns Optional Coverage; f. Watercraft (including motors, equipment and accessories) while afloat; g. Accounts, billis, food stamps, other evidences of debt, accounts receivable or "valuable papers and records"; except as otherwise provided in this policy; h. "Computeqs)* which are permanently installed or designed to be permanently installed In any aircraft, watercraft, motortruck or other vehlcle subject to motor vehicle reglistration. This paragraph does not apply to "computer(s)" while held as "stock"; I. "Electronic data'", except as provided under Additional Coverages - Electronic Data, This Paragraph, I. does not apply to your "'stock" of prepackaged sioftwere or to "electronic: data" which is integrated in and operates or controls the building's elevator, lighting, heatingi, ve!ntil�ationi, air conditioning or security system; or Animals,, unless owned by others an boarded by you, or if owned by you, only as "stockwhile inside of buildings. X rim; T or limilted under Section I - Property. BEA111"Iffm= ,e. We will not pay for loss of or damage to: (1) Steam boilers,, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event de such equipimenit, But we will pay for loss of or damage to such equipment caused by or resulting from an explosion of gases or fuel within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass, (2) Hot water boilers or other water heating equipby or resulting from any condition or event inside such boilers or equipment, other than an explosion. (3) Property that is missing, where the only e 1 evidnce of the loss or damage is a shortage disciosed on taking inventory, or other instances whieirel there is no physical evidence to show what happened to the property. This limitation does not apply to the Optional Coverage for Money and Securities. (4) Property that has been transferred to a person or to, a place outside the described premises on the basis of unauthorized instructions, (5) The interior of any building or structure, or to personal property in the building or structure,, caused by or resulting from irain, snowsleet, ice, sand or dust, whether driven by wind or not, unless: (a) The building or structure! first sustains damage by a Covered Cause of Loss to its roof or walls, through which the rain, snow, steet, ice, sand or dust enters-, or Tage 2 o011 13 17 13 Mi The loss or damage is caused by or results from thawing of snow, sleet or �ce on the building or struicture, part of a vegetated roof, caused! by or resulting from, (a) Dampness or dryness of atmosphere or of soil supporting the vegetation; (b) Changes in or extremes of tempierature�l (c) Disease; (d) Frost or haii.6 or (e) Raiin, snow, ice or sleet, b. We will not pay for loss of or damage to the following types of property unless caused by the "spieed causes of loss" or building glass, breakage: (1) AnImals, and then only if they are killed or their destruction Is made necessary, (2) Fragile articles such as glassware, statuary, miairble, chinaware and porcelain, If broken. This restriction does not apply to: (a) Glass that is, part of the exterior or interior of a building or structure,, (b) Containers of property held for sale,, or (c) photographic or scientific instrument lenses. c. For loss or, damage by thieft, the following types of property are covered only up to the limits shown (unless a higher Limit Of Insurance is shown in the Declaraticns): (1) $2,500 for furs, fur garments and garments trimmed with fur. (2) $2,500 for jewelry, watches, watch movementsjewels, pearls, precious and semiprecious storbullion, gold, siilver, platinum and other precious alloys, or metals, This limit does not apply to Jewelry and watches worth $ 1: 00 or less per Item. (3) 00 for patterns, dies, molds and forms. Adiditional Coverages a. Debtlin-TeTroval — (1) Subject to Paragraphs(4), we will pay your expense to remove debris of Covered Property and other debris that 'Is on the described premises,, when such debris is caused by or results from a Covered Cause of Loss that occurs during the policy period, The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or damage. (2) Debris Removal does not apply to costs to: (a) Remove debris of property of yours that i's not insured under thi's policy, or property in your possession that is not Covered PropertNr (b) Remove debris of property owned by or ]eased to the landlord of the building where your desc:ri bed premises, are located, unless you have, a conitractulal responsibility to insure such prop" and it is insured under this policy; (c) Remove any property that is Property Not Covered, including property addressed under the Outdoor Property C!overaige Extension,-, (d) Remove property of others of a ty, that would not, be Covered Prope under this policy,- (e) Remove deposits of mud or eari from, the grounds of the describ premises; (f) Extract "pollutants" from land water; or i(g) Remove, restore or replace pollut land or water. (3) Subject to the exceptions in Paragra following provisions apply-, (a) The most that we will pay" for t total of dlirect physical loss damage piluis debris remov expense is the Limit of InZlran applicable to the Covered P,rope that has siustained loss or damage. BP 010 03 07 13 0 Insurance Services Office, Inic., 2012 Page 3 of 5;3 (b) Subject to Paragraph (3a)l above, the amount we will pay for debris removal expense is limited to 25%i of the sum of the deductible plus the amount that we pay for direct physical loss or damage to the Covered Property that has, sustained loss or daimage. However, it no Covered Property has sustalned direct physical loss or damage, the moist we will pay for removal of debris of other property (if such removal covered under this Additional Coveralge) is $5i,000 at each location, for debris removal expense, for each local in any one occurrence of physical loss or damage to Covered Property, If one or both of the following circuimstances apply: (a) The total of the actual debris relmoval expense plus the amount we pay for direct physical loss or damage exceeds the Umit of Insurance on the Covered Property that has sustained loss or damage. (b) The actual debris removal expense exceeds 25% of the sum, of! the deductible plus the amount that we pay for direct physical loss or da,malge to the Covered Property that has sustained loss or damage, (5) Examples Example 1 Limit of Insurance $ 90,0104-1, Amount of Deductible $ 50%, Amount of Loss $ 50,00*' Amount of Loss Payable $ 49,50* ($50,0100 - $5010) Deb6s Removal Expense $ 10,004 Debris Removal Expense Payable $ 10,0001-1 ($10i,0100 Is 201% of $50,000), Example 2 Limit of Insurance $ 90,000 Amount of Deductible $ 500 Amount of Loss $ 801,000 Amount of Loss Payable $ 791,500 ($801000 - $500) Debris Removal Expense $ 40,0100 Debris Removal Expense Payable Basic Amount $ 10,500 Additional Amount $ 25,000 The basic amount playable for debris removal expense uinider the terms of Paragraph (3) is calculated as follows: $80,000 9,50O + $500) $20,000, capped at $110,500, The cap applies because the sum of the loss payable for debris removal expense ($10,500) caininiot exceed the Limit of Insurance ($90,000). The addifional amount payable for debris removal expense Is provided in W Thus, the total payable for debris removal expense in this example is $35500; $4,500 of the debris removal expense is not covered. Page 4 o112 BP 100 W 17 13 If it is necessary to move Covered Property from the described premises to preserve it from loss or damage by a Covered Cause of Loss,, we will pay for any direct, physical loss of or damage to that property: (11) While it is being moved or while temporanilly stored at another location; and (2) Only if the loss or damage occurs within 3O days, after the property Is, first moved, c. Fire Department Service Charge When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to $2,50;0 for service at each premises described In, the Declarations, unless a different limit is shown in the Declarations, Such limit Is the most we will pay regardless of the numiber of responding fire departments or fire units, aind regardless of the number or type of services performed, This Additional Coverage applies to your liability for fire department service, chairges: (1) Assuimed'iby contract or agreement prior to loss; or (2) Required by local ordinance. d. Collapse The coverage provided! under this Additional Coverage — Collapse applies only to an abrupt collapse as described and limited in Paragraphs d.(11) through (1) For the purpose of this Additional Coverage — Collapse, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose, (2) We will pay for direct physical loss or damage to Covered Property, caused by albrupt collapse of a buildIng or any part of a building that is Insured under this policy or that contains Covered' Property insured under this policy, if such collapse i's caused by one or more of the following: (a) Building decay that Is hidden from view, untess the presence of such decay is known to an insured prior to collbpse; (bi) Insect or vermin damage that is hidden from view, unless the presence of such damage is known to an Insured pdoir to col�lapse,- (c) Use of defectilve material or methods in construction , remodeling or renovation if the abrupt collapse occurs dudng the course of the construction, remodeling or renovation. A Use of defective material or methods in construction, remodefing or renovation if the abrupt collapse occurs after the construction, remodeling or renovation complete, but only If the collapse Is caused in part by: (1) A cause of loss listed in Paragraph (2)(a) or (2)(b); (111) One or more of the "specified causes of loss"'; Breakage of building glass; Ov), Weight of people or personal property; or (v) Weight of rain that collects on a root. (3) ThIs Additional Coverage — Collapse does not appty to: (a) A building or any part of a building that is in danger of falling down or caving (b) A part of a building that is standing, even if it has separated from another pairt of the building, or (c) A building that is standing or any part of a building that Is standing, even if it shows evidence of cracking, bulging, sagging, bendingi, leaning, settling, shrinkage or expansion, (4) With respect to the following property., (a) Awnings; (bi) Gutters and downspouts; (c) Yard fixtures,* (�d) Outd�oog pools; (e) Piers, whairves and clocks; (11) Beach or diving platforms or appurtenances; i(gi) Retaining wall&, and (hi) Walks, roadways and opaved surfaces-, BP 010 03 07 13 @,Insurance Services Office, Inic,, 2012 Page 5i of 53 I IN 4 imp raw QM1 1w i N RUITIM pay Me GIU51 Eo repaor or r parts of fire extinguishing equipment if the damage: (1) Results In discharge of any substance from an, autorratic fire pIrotection system', or Page 6 of 53 @ Insurance Services Office, linc,, 21012 SP 00 13 07 13 BAP 00 03 017 13 0 Insurance Services Office, Inc., 2012 Page 7 of 53 (a) To avoid or minimize the suspensi of business and to confin Ploperations": (i) At the described premises; or (H) At replacement premises or temporary locations, includi relocation expenses, and costs equip and operate replacement or tempora locations. (b) To minimize the suspension business if you cannot contiin I. operations". (I)i Repair or replace any property', or (il) Research, replace or restore the lost information, on damaged "valuable papers and records", to the extent it reduces the amouril of loss that otherwise would have been payable under this Additional Coverage or Additional Coverage f. Business income. ,13) With respect to the coverage providedII in this Additional �Coverage, suspension means: (a) The partial slowdown or cDmpileti!- cessation of your business activities,' or (b) That a part or all of the described premises is rendered untenantable, if coverage for Business Income applies. (4) We will only pay for Extra Expense that occur-, within 12 consecutive months ,after the date of direct physical loss or damage. This Additional Coverage is not subject to the Limits of Insurance of Section I — Property'. L= We will pay your expense to, extract R pollutants" from land or water at the described premises, if the discharge, dispersal, seepage, migration, release or escape! of the "pollutants" is caused by or results from a Covered Cause o'At that occurs during the policy period, The expenses, will be paid only if they are reported to us In writing within 180 days of the date on which the Covered Cause of Loss, occurs. costs, to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course •of extracting the "pollutants"' from the land or water, The most we will pay for each location w , W * of Covered Causes of Loss occurring during each separate 12-month period of this *olicy. Pagee 8 of 53 C Insurance Services Office, Inc;., 20,12 BP 00 03 0713 Civil Authority When a Covered Cause of Loss damage to property other than property the described promises,, we will pay for actionand necessary E�xtra: Expense caused of civil authorityprohibits to the: described premises, provided th. both of . Nw r . w- !, (1) Access to the area immediat surrounding damaged property prohibited Ny civil' authority as a resultM. the damage, and the describ premises are within that area but are no more thiain one r Ak. w,.»r.. property; anu, actionof civil authority is taken response r dangerous physic conditions 1 from,a! "" M continuation r Covered r r Loss thiat caused the damage, .N actionM enable a civil authorill to uni mpeded accE damaged property, - rll N, r w • r access to described M M apply r period r : N 'M rr weeks r - date on which su coverage '':r;ry Civil Authority Coverage for necessa ft ft Extra Expense witl begin immediately L. ' 1F r of civil r. that pro N N r. ... r r�. premises r wilil end: '11) �Four consecutive weeks after the da of that acboior your r Coverage 1' IncomeBusiness M whichever is later. MoneyOrders w "Counterfeit Money"' We will pay ....; loss resulting directly from . havingi accepted in good exchange for merchandise,N Moneyorders issued by any post express# w. or bank that are not paidupon r. ► ;. "Counterfeit money"acquired during the regular courseof The most we vitlili pay forunder Additional Coverage is $1,0100. k. r,a,. Or Alteration (1i) We will pay Nr loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or promise of payment I'mrw ou or your agent :w or w by s e. .' impersonatesyouor Magent, draft,(2) If you are suied for refusing to pay the r bill of exchangeN, r, . on basis has been forged or altered, and you our . to defend againstpay for reasonable legial expenses that you incur in t4at die!fe7s&.- For :. pIuirpose of thiis coverage, includes,• :! in the Check Clearing # Act and will be sametreatedthe original it r most A including legal expenses, under this Additional 1N r o:N + M 0 0 hiIgiher Limit Of linsuirance is shown in the Declarations. Increased Cost OfConstruction, (1) Thiis Additional Coverage applies only to builidingis insured on a replacementcos) basis. (2) In the event of damage by o^" Ni. Cause of Loss r buildingi„ Covered N► we will r. Increasedy the costs,incurred'to comply the minimum standardsL.. an ordinance or r of repair, statedor replacement of damaged parts, of that property, subject to the limitations in Paragraphsthroughof this, Additional Coverage. 010 03 07 13 V Insurance Services Office, line., 201i2 Page 9 of (3) The ordinance or law referred to in Paragraph (2) of this Addlitionall C�overaigle is an ordinance or law that regulates the construction or repair of buildings or estabilshes zoning or land use requirements, at the described premises and is in force at the time of loss. (4) Under this Additional Coverage, we will not pay any costs due to an ordinance or law that.4 (a) You were required to comply with before the loss,, even when the building was undamaged; and (b) You failed to complly with. (5) Under this Additional Coverage, we will not pay for: (a) The enforcement of or, compliance with any ordinance or law which requires demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by OpoIlutants" or due to the presence, growth,, proliferation, spread or any activity of "funigi", wet rot or dry rot; or (b) Any costs associated with the enforcement of or compliance with an ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat,, detoxify or neutralize, or in any way respond to, or assess the effects of "'pollutants", "fungi", wet rot or dry rot. (6) The most we will pay under this Additional Coverage, for each described building insured under Section I — Prop", is $10,0001. If a damaged buildirl is covered under a blanket LiMt of Insurance which applies to more than one building or item of property, then the most we will pay under this Additional Coverage, for each damaged building, is $l10,000. The amount payable under this Additional Coverage is additional insurance. (7) With respect to this Additional Coverage: (a) We will not play for the Increased Cost of Construction: (I) Ull the property is actually repaired or replaced, at the same or another premises', and (Ili) Ull the repair or replacement is made as soon as, reasonably possible after the loss, or damage, not to exceled two years. We may extend this period in writing during the two years. (bbuilding is repaired or replaced at the same premises, or if youl: elect to rebuild at another premises,, the most we will pay for the Increased Cost of Construction is the increased cost of construction at the same premises, (�c) If the ordinance or law requires relocatlion to another premises, the most we will pay for the Increased Cost of Construction is the Increased cost of construction at the new premises. (8) This Additional Coverage is not subject to the terms of the Ordinance Or Law Exclusion, to the extent that such, exclusion would conflict with the promsions of thisAdditionali Coverage. (9) The costs addressed in the Loss payment Property Loss Condition in Section I — Property do not include the increased cost attributable to enforcement of or compliance with an ordlinance or law. The amount payable under this Additional Coverage, as stated in Paragraph (6) of this Additional Coverage, is not subject to such limitation. il Business Incoirne From Dependent Properties (1) We will pay for the actual loss of Business Income you slustain due to physical, loss or damage at the promises of a dependent property or secondary dependent property caused by or resulting from any Covered Cause of Loss. Page 10 of 53 0 Insurance Services Office, Inc., 2012, SP 00 03 07 13 However, this Additional Coverage does not apply when the only loss at the premises of a dependent property or secondary dependent property is loss or damage to "electronic data", Including destruction or corruption of "electronic diata"If the dependent property or secondary dependent property sustains loss or damage to "electronlc data" and other property, coverage under this Adaltional Coverage will not continue once the other property is repaired, rebuilt or replaced The most we will pay under this Additional Coverage is $51,000 unless a higher Limit 0 Insurance is indicated in the Declarations, (2) We will' reduce the amount of your Business income loss, other than Extra Expense, to the extent you can resume "operations", in whole or in part, by using any other available: (a) Source of materials-, or (b) Outlet for your products. (3) If you do not resume, "operations", or do not resume "operations" as quickly as possible, we will pay based on the length of time It would have taken to resume "' operations" as quickly as possible. '4) Dependent property means property owned by others whom you depend on to Mi Defiver materials or services to you, or to others for your account. But services does not mean water supply services, wastewater removal services, communication supply services or power supply services; (b) Accept your products or services; (c) Manufacture your products for delivery to your customers under contract for sale; or (d) Attract customers to your business, The dependent property must be located �n the coverage territory of this policy. (5) Secondary dependent property means an entity which is, not owned or operated by a dependent property and whichi; (a) Delivers materials, or services, to a dependent property, which in turn are used by the dependent property providing materials or services to y=, or M Accepts materials or services from, dependent property, whlch in tu accepts your materials or services, A road, bridg o e:, tunnel, waterwa r structure is not a seconda dependent p�roperty. Any property which delivers any o onclaf t following services, is not a secii 0 e r in f w 2 d ff t 5 t u a nd 'a services, (i) Water supply services; (Ill) Wastewater removal services, vil Communicafion supply service or The secondary dependent property mu be located in the coverage territory this policy. (6) The coverage period for Busine Income under this Additional Coverage (a) Begins 72 hours after the time direct physical loss or ,,w. caused' by or resulting from a;, Covered Cause of Loss at t premises of the dependent prople or secondary dependent pirope and (bi) Ends on the date when the prope at the premises of the depende property or secondary depiende property should be repaired, rebu or replaced with reasonable spe and similar quality. (7) The Business Income coverage perigut , as stated in Paragraph (6), does n include any increased period reqOr• due to the enforcement of or complian with any ordinance or law that, (a) Regulates the construction, use repair, or requires the teariing do of any property; or (b) Requires any insured or others test for, monitor, clean up, remov contain, treat, detoxify or neutraliz or in any way respond to, or asse, the effects, of "pollutants". The expirabon date of this, policy will nwl reduce the Business Income coverag perioid. BP 00 13 07 13 0 Insurance Services, Office, Inc,, 20112 Page 11 of 63 (8) The definition of Business Income contained in the Business Income Additional Coverage also applies to this Business Income From Dapendent Proserfies, Additional Coverage. n. Glass Expenses i We will pay for expenses Incurred to put up temporary plates or board up, openings if repair or replacement of damaged glass is delayed. (2) We will pay for expenses !incurred to remove or replace obstructions when repairing or replacing glass that is part of a building, This does not include removing or replacing window displays. o. Fire Extinguisher Systems Recharge Expense (1) We Willi pay: ll The cost of recharging or replacing,, whi�chever is less, your fire extinguishers and fire extinguishing Systems (Including hydrostatic testing if needled) if they are discharged on or within 100 feet of the described premises; and (b) For loss or damage to Covered Property if such loss or damage is the result of an accidental discharge of chemicals from a fire ext!inguisher or a fire extinguishing system. (2), No coverage will apply if the fire extinguishing system is discharged during installation or testing. 13) The most we will pay uinder this Additional Coveraigie is $,5,0�00 in any one occurrence. ElectroData (1) Subject to the provisions of this Addill Coverage, we will pay for the cost to replace or restore "electronlic data" which has been destroyed or corrupted by a Covered Cause of Loss. To the extent that "electronic data" is not replaced or restored, the loss will be valued at the cost of replacement of the media on, which the "electronic data* was stored, with blank media of substantially identical type. (2) The Covered Causes of Loss applicable to Business Personal property include a computer virus, harmful code or similar Instruction introduced into or enacted on a computer system, (including "electronic d�ata") or a network to which it is connected, designed to damage or destroy any part of the system or disnipit its, normal operation. But there is no coverage for loss or damage caused by or resulting frorn manipulation of a computer system (!including 'Vilectronic data") by any employee, indlu Ing a temporary or leased employee, or by an entity retained by you, or for you, to inspectdesignInstall, modify, maintain,, repair or replace that system, (31) The most we will pay under this Additional Coverage — Electronic Data for all loss or damage sustained in any one policy year, regardless of the number of occurrences of loss or damage or the number of premises, locations or computer systems involved, $10,000, unless a higher Limit Of Insurance is, shown in the Declarations, If Ioss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that policy year. With respect to an occurrence which begins in one policy year, and continues or results in addlitional lioss or damage In a subsequent policy yeal all loss or damage is deemed to be sustained in the policy year in which the occurrence began. (4) This Additional Coverage does not apply to your "stock" of prepackaged software, or to "electronic data" which is integrated in and operates or controls a building's elevator, lighting, heating, ventilation , air conditioning or security system. MOU=- (1) Subject to all provisions of this, Additionall Coverage, you may extend the insurance that applies to Business Income and Extra, Expense to apply to ai suspension of "operations" caused by an interruipti:on in computer operations due to destruction or corruption of "eliectronic data" due to a Covered Cause of Loss. Page 12 of 63 0 Insurance Services Office, Inc., 2012 BIP IDO 03 07 13 (2) With respect to the coverage prmAded under this Additional Coverage, the Covered Causes of Loss are subject to the fbilowing: (a), Coverage under this Additional Coverage - Interruption Of Computer Operations is limited to the "specified causes of lossol and CoHapse. (b), If the Businessowners Coverage Form is endorsed to add a Covered Cause of Loss, the additional Covered Cause of Loss does, not apply to the coverage provided under this Additional Coverage. (c) The Covered' Causes of Loss Include a computer virus, harmful code or similar instruction introduced into or enacted on a computer system �incluidlngi "electronic data") or a network to which it is connected, designed to damage or destroy any part of the system, or disrupt its normal operation, But there! is irto coverage for an interruption reIated to, manipulation of a computer system (Including "electronic data") by any employee, including a temporary or leased employee, or by an entity retained by you, or for you, to, inspect, desgn, instali, modify, maintain, repair or repil�ace that system. �-XRJUM* NFIR 1 9 KJOIE 41E SP 010, 03 07'13 0 Insurance Services Office, Inc., 2012 Page 13 of 53 (6) Coverage for Extra Expense does not apply when action is taken to avoid or mini�mize a suspension, of "operations" caused by destruction or corruption of "electronic data,"or any loss or damage to "electronic data", except as provided under Paragraphs (1) through (4) of this Additional Coverage, (7) This Additional Coverage does not apply when loss, or demaige to, "clectronic data" involves only "electronic d�ata"' which, is integrated in and operates or controls a building's elevator, Highting, heating, ventilation, air conditioning or security system. Limited Coverage For "Fungi", Wet Rot Or Dry Rot (1) The coverage described in Paragraphs and r'(6) only applies when the "fungl", wet rot or dry rot Is the result of a "specified cause of loss"' other than fire or lightning that occurs during the policy period and only if all reasonable means were used! to save and preserve, the property from further damaige, at the time of and after that occurrence. This Additional Coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. (2) We will pay for loss or damage by "funig!", wet rot or dry rot, As used in this Limited Coverage, the term loss, or damage means: (a) Direct physical loss or damiage to Covered Property caused by"fungii", wet rot or dry rot, including thie cost of removal of the "fungi", wet rot or dry rot; (b) The cost to tear out and replace any part of the! building or other property as, needed to gain access to the "'fungi", wet rot or dry rot; and (c) The cost of testing performed after removal, repair, replacement or restoration of the damaged property Is completed, provided there is a reason to believe that "fungiwet rot or dry rot is present, (3) The coverage described under this Limited Coverage is limited to $15iiiO00- Regardless of the number of claims, this, limit is: the most we wfll pay for the total of all loss or damage arising out of all! occurrences of "specified causes of loss" (otheir than fire or lightning) which, take place in a 12-month period (starting, with the beginning of the present annual pollicy pi With respect toi a particular occurrence of loss which results in "fungi", wet rot or dry rot,, we will not piay more than the total of $15,000i even if' the 1ungiwet rot or dry rot continues, to be present or active, air recurs, in a later policy period. (4) The coverage provided under this Limited Coverage does not increase the applicable Limit of Insurance on any Covered Property, If a particular occurrence results, in loss or damage by "fungii", wet rot or dry rot, and other loss or damage, we will not pay imore, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. If there is covered loss or d'aimage to Covered Property,, not caused by "ifungii", wet rot or dry rot, loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungi", wet rot or dry rot causes an increase in the loss. Any such increase in the loss will be subject toi the termsi of this Limited Coverage. ,5,) The terms of this, Limited Coverage do not increase or reduce the coverage Provided under the Water Damage, Other Liquids, Powder Or Moliten Material Damage or Collapse Additional Coverages, 77,age 14 of 53 0 Insurance Services Office, Inc,, 2012' BP 00 03 07 13 (a) If the loss which resulted in "funigil"', wet rot or dry rot does not in itself necessitate a suspension of "operations", but such suspension is necessary due to loss or damage to property caused by Nfunigi", wet rot or dry rot, then our payment under the Business Income and/or Extra Expense Additional Coverages i I s limited to the amount of loss anid/or expense sustained in a period of not more than 3iO days. The days need not be coins",ut�ive!, (b) If a covered suspension of operationswas, caused by loss or damage other than "fung!wet rot or dry rot, but remed�iatioln of "fungi", wet rot or dry rot prolongs thi "period of restoration", we will pay for loss and/or expense sustained duidng the delay (regardless of when such a delay occurs, during the "period of restoration"), but such coverage is limited to 30i days. The days need not be consecutive, 6l. Coverage Extensions a c 4, 21. N�ewl'yAi)qiulredi0irCons,tructe�- Property (1) Buildings If this, policy covers Buildings, you rn, extend that insurance to apply to� (a) Your new buildings, while being bu on the described premises; and (bi) Buildings yolu acquire at premis other than the one descri be intended for: (i) Similar use as the buildir described in the Declarations; 0 (111) Use as a warehouse. under this Extension is $250,0001 at each building. If this policy covers Business Perso Property:, you may extend that inisluran T to apply to: (a) Business Personal Prope including such property that newly acquire, at any location y acquire; or (b) Business Personal Pirope including such property t�hiat y newly acquire, located at your ne constructed air acquired buildings the! location described in t Declarations. This Extension does not apply lip personal property that you ternplorar acquire in the course adf installing performing work on such property your whiollesalei activities, !Vith respect to insurance provideT under this Coverage Extension for Newly Av-quired Or Constructed Property, coverage will end when any of the following first occurs" (a) This policy expires; (b) 30 days expire after you acquire the property or begin construction of that part of the! building that would qualify as Covered Property; or (c) You report values to us. We will charge you additionall premium for values reported from the date you acquire the property or begin construction of that part of the: building that would quafify as Covered Property. You may extend; the Insurance provided by this policy to apply tol yolur Covered Property, other than "money" and secunties", "valuabile papers, and records'* *r accounts receivable, while it is in the course of transit or at a premises yoIIIu do, not ol lease or operate, The most we will may for loss or damage under thiis Extension is $1�0,0100. t-','P 00 03 07 13 C Insurance Services Office, Inc., 2012 Page 15 of 53 c. Outdoor Property You may extend the insurance provided by this policy to apply to your outdoor fences, radio and television antennas (including satellite dishes), signs (other than signs attached to buildings), trees,, shrubs and plants (other than trees, shrubs or plants which are part of a vegetated roof), including debris, removal expense. Loss or demagie must be caused by or resiult from any of the following causes of loss: (1) Fire; (2�) Lightninq, (31) Explosion; (4) Riot or Civil Commotion, or (51) Aircralt. The most we will pay for loss or damage under this. Extension is $2,5100, unless a higher Limit Of Insurance for Outdoor Property is shown in the Declarations, but ,not more than $1,00:0 for any one tree, shrub or Plant Subject to all aforementioned terms and limitations of coverage, this Coverage: Extension includes the expense of removing from the described premises the the property of others, except in the property is owned by the landlord of the described prer6ises. personal effects owned by yoiu, your officers, your partiners or "miembeirs", your 41managers"' or your empilloyees, including temporary or leased employees. This extension does not apply to: (1) Tools or equi'ipment: used in your business; or (2) Loss or damage by theft. (a) Paragraph B.1.c., Governmental The most we will pay for loss or damage Action; under this Extension is $2,500 at each (b) Paragraph B.l.d,.,, �Nuclear Hiazard; described piremiises. (c) Paragraph B.11, War And Military Action; ii;age 16 of 53 0 Insurance Services Office, Inc., 20,12 BP 100 13 07 1-S will not piay •' loss or dama�gie calused directly or Indirectly by any of the following, Such loss or damage is excluded regardless of any other caiiluse or event that contributes concurrently or in any sequence to the loss. These exclusions apipily whether or not the loss event results in widespread daimage or affects a substantial area. a. Ordinance Or Law (1) The enforcement of or compliance with any ordinance or law: (a) Regulatingi the construction, use or repair of any piroperty; air 1"JP 010 03 17 13 @Insurance Services Office, Inc., 20121 Page 17 of 53 (b) Requiring the tearing down of any property, including the cost of removing its, debris. (2) This exclusion, Ordinance Or Law, applies whether the loss resu Its from: (a) An ordinance or law that is enforced even if the property has not been damaged', or (bi) The increased costs incurred to comply with an ordinance or law in the course of constructioni, repair, renovation, remodeling or demolition of property or removali of its debiris, following a physical loss to that property'. V. Earth Movement (1), Earthquake, Including tremors a aftershocks and any earth, sinking, di or shifting related to such event', (2) Landslide, including aniy earth slinkiin rising or shifti,ngi related to such event (3) Milne subsidence, meaning subsid oenj f a man-mado e mine, whether r mining activity has ceasel I (4) Earth silinking (other than sinkho ccillapse),, rising or shifting Including s conditions which cause settlini cracking or other disarrangement N. foundations or other parts of realty, S conditions include cIt expansion, freezing, thawl erosio improperly compacted soili and t action of water under the g,roiu ,roiu surface. fire or explosion, we will play for the loss damage caused by thiat fire or explosion. (5) Volcanic eruption, explosion or effuslo Bluit it volcanic crulption, explosion effusion resuilts in fire, building gla breakage or volcanic acUon, we will p for the loss or damage caused by t1l filre, buRdingi glass breakage or volca action. Volcanic action means direct loss damage resulting from the eruption of volcano when the loss or darnage caused by, (a) Airborne volcanic blast or alirborr - shock waves; (b) Ash, dust or particulate matter', or ii Lava flow. With respect to coverage for volcanic action as set forth tin 5(a)i, (5)(b) and 5(c), ali voicanic eruptions that occur within any 16.-hour period will constitute a single occurrence. Volicanic action does not include the cost to remove ash, dust or particulate matter that does not cause direct physical loss of or damage to Covered Property. This exclusion applies regardless of whether any of the above, in Paragraphs (1) through (�5)1, is caused by an act of nature or is otherwise caused. c. Governmental A Seizure or destruction of property by order of governmental authority. But we will pay for loss or damage caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a, fire to prevent its spread, if the fire would be covered under this policy. d. Nuclear Hazard R91!197101111377; 111 nommn- contamination, however caused. But if nuclear reaction or radiation, or will pay for the los,s or damaigie caused by that fire, e. Utility Services 0 1 . I - fallurw (1) Originates away from thie described premises; or (2) Originates at the described premises, but only if such failure involves equipment used to suipply the utility service to the desicribed premises from a source away from the described premises. r4R2•11`lil�k�saf-408 sufficient capacity and reduction in supply. Loss or d�a,imaigie caused by a surge of would not have occurred but for an event causing a failure of power. Page 18 of 53 C Insurance Services Office, Inc., 2012 BP 00 03 07 13 VVIW Loss, we will pay for the loss or damage caused by that Covered Cause of Loss, MIA or access to, any electronic, cellular or satellite network, This exclusion does not apply to loss or damage! to "computer(s)" and "'electronic data". 11. War And Military Action including undeclared or civil war-, (2) Warlike action by a military force,, including action in hinderiing or defending against an actual or expected affack, by any government, sogn or other authority using military personnel or other age!nts� or (3) Insurrectionrebellion, revolution,, usurpedpower ' or action taken by goverrimental authority in hindering or defending against any of these. g. Water (1), Flood, surface water, waves (includir tidal wave and tsunami), tides, fid wateiir, overflolw of any body ,of water, ( spray from any of these, all whether i not driven by wind (inicludinig ston surge); (2) Mudslide or mudflow; (3) Water that backs up or overflows, or otherwise dischairgied from a sewe drain, sump, sump pump or relate equipment,, (4) Water under the ground' surfac pressing onor flowing or seepin throuigh- (a) Foundations, walls,, floorms or pave surfaces; (bi) Basements,, whether paved or not-, C (c) Doors, windows or other opening! or (5) Waterbome material' carried c otherwise moved by any of the wat( referred to in Paragraph (1)(3) or (4 or material carried or otherwi i se move by mudslide or miudow, This excl�usi:on appllies, regardless of whether any of the above, in Paragraphs Mi through (5),, is caused by an act of nature or is otherwise caused, An example of a situation to which this exclusion applies is the situatioin where a dam, levee, seawall or other boundary or containment system fails in wh6le or in part, for any reason, to conitain the water, But if any of the above�, in Paragraphs (1), through (5), results in fire, explosion or sprinkler leakagewe will pay for the loss or damage caused by that fire, explosion or sp6nkler leakage, h. Certain Corniputer-related Losses (1) The failure, malfunction or inadequacy of - (a) Any of the following, whether belonging to any insured or to o4ers: (1) "Computer" hardwarejnclud�ng microprocessors or other electronic data processing equipment as may be described elsewhere in this policy: (H)i "Computer" application, software or other "electronic datai" as may be described elsewhere in this policy., "Compuiter operating systems and related software; (iv) "Computer" networks; (v) Microprocessors ("coimiputer" chipisi) not part of any "Computer" system,, or (vi) Any other computerized or electronic equipment or components: or (b) Any other products, and any services, data or functions that NIirecfly or indireeby use or rely upon, in any manner, any of the �tems 111sted in Paragraph (a) above; due to the inability to correctly recognize, distinguish, interpret or accept one or more dates or times. An example is the Inabillity of computer software to recognize the year 20100. '-? 00 Ni3 07 13 00 Insurance Services Office,2012 Page 19 of 53 i. Virus Or Bacteria (1), Any virus, bactedurn or other microorganism that induces or is capable of inducing physical distress,, illness or disease. (2) However, the exclusion in Paragraph (1) does not apply to toss or diamage caused by or resulting from, "fungi", wet rot or dry rot. Such loss or damage is addressed lin Excliuslon i. (3) With respect to ainiy loss or daimage! subject to the exclusion iin Paragraph (1), such exclusion supersedes any exclusion, relating to "pollutants", Delay, loss of use or loss, of market. c. Smoke, Vapoir, Gas Smoke, vapor or glas from agricultural smuidging or industrial operattons, Page 2,0 of 53 0 Insurance Services Office, Inc,, 2000 03 117 13 d. Stearn Apparatus 391E# #� (except fire protective systems) caused by or resulting froq, unlless, (1) You do your best to maintain heat in the building or structure; or (2) You drain the equiipment and shut off the supply if the heat is not maintained, AUN= Dishonest or chminal acts (including theft) biy you, anyone else, with an Interest in the 'r property, or any of your or thie!ir partners, lomembers", officers, i managers", employees (including temporary or leased employees), directors, trustees or authorized representatives, whether acting alone or in collusion with each other or with any other party; or theft by any person to, whom you entrust the property for any purpose, whether acting alone or in collusion with any other party, This exclusioij-, (1) Appli�esi whether or not an act occurs during your normal hours of operation, (2) Does not apply to acts, of destruction by your employees (including temporairy or leased employees) or authorized representatives; but theft by your employees (including temporary or leased employeeis) or authorized representatives is not covered. With respect to accounts receivable and "Valuable papers and records"', this This exclusion does not apply to coverage that is provided under the Employee Dishonesty Optional Coverage, SP 010 03 07 113 01 Insurance ServIces Office, Inc., 2012 Page 21 of 53 4 oil OF 41 4 9 z 19 1 NI w ol 9 w is Page 22 of 53 0 Insurance Services Office, IInc., 2012 P, 00 03 07 131 (1) The partial slowdown or corriplete a. In accoird�aince with Paragraph C * 4 cessation of your buslness activities; Limit of Insurance for Bullln and automatically increase by 8'% ' u different percentage, of annual inc shown in the Decilaratioxis, �:P 010 03 17 13: 0 Insurance Services, Office, Inc., 2012 Page 2i3 of 53 Ill The amount of increase is calculated ais foiltows� (1) �Miuiltiply the Building limilt that applied on the most recent of the policy inceptlion W. the policy anniversary date or any other policy change amending the Building limiit by: �percentagie of annual Increase shown in the Declarations, expressed as a decimal (example: 07); or (b) 08, if no percentage of annual Increase is shown in the Declarations*, and (2) Multiply the number calcuilated in accordance with b.(1) by the number of days since the beginning of the current pWI licy year, or the effective diate of the most recent policy change amending the Building ll divided by 365 ME The appfficabille Building limit Is $100,000. The annual percentage increase is 8%. The number of days since the beginning of the poficy year (or last policy change) is 146. The amount of increase is $1001,000 x .08 x ll 46 $00. 9. Business 'Personal Property Limit — Seasonal Increase a. Subject to Paragraph 5.b., the Limit of Insurance: for Business Personal Property Is automatically Mcreased by: (1) The Business Personal Property — Seasonal Increase percentage: shown in the Declarations, or no Business Personal Property — Seasonal Increase percentage is shown in, the Declarations; to Provide for seasonal variances. b. The increase desicribedl in, Paragraph 5.a.. will apply only if! the Limit Of Insurance shown for Business Personal Property In the Declarations is at least 1010% of your everage monthly values, during the lesser (1) The 12i months Immed'Otely preceding the date the loss or damage occursi; or (2) The period of time you have been business as of the date the loss or darnage occurs. D. Deductibles 11We will not pay for loss, oir damage in any o occurrence until the aimoun!t of loss or dama exceeds the Deductible show�wmn in t Declarati, We willl thiien pay the amount loss or darnage in excess of the Deductible to the! applicable Limilt of insurance of Sectio — Prrty. 2. Regard�ess of the amount of the Dedl - the: most we will deduct from any loss damage under all of the following Optio vern Coagoccurrencees in any oine is, tt Optional Coverage DeductiNe shown in t i ons ope Declarations: a,—Jiloney and Secuirifies; b. Employee Dishol c. Outdoor Sligns; and d. ForgeryorAlteration. But this Optional Coverage Deductible will n Increase the Deductible shown in t Declarations, This Deductible will be used satisfy the requireme!nts of the Deductible the Declarations. 3. No deductible applies to the followir Additional Coverages: a;. Fiire Department Service Charge; I M IMM =Z i c. Extra Exi dit Civil Authion'ty'; and e. Fire Extinguisher Systems Radharc, Expense, E. Property Loss Conditions 1. Abandonimient There can be no abandonment of any proper to us 2. Appraisal If we and you disegree an the amount of los either may make written demiand appralsal of the loss. In this event, each par Will seilect a competent and impertiall appi 'The two appraisers will select an umpire. they cannot agree, eilther may request th selection be made by a judge of a court havir jurisdiction. The appraisers will state separate the amount of loss. If they fail to agree, th( will submit their differences to the umpire. decision agreed to by any two wilil be biinclln�* Each party will: a. Pay its chosen appraiser; and ll Bear thie other expenses of the apprais and umpire eqluiailly. Page 24 of 53 0 Insurance Services Office, Inc., 2,012 BP 100 03 07 13 If there is an appraisal, we will still retain our right to deny the claim, C. Duties In The Event Of Loss Or Damage a.i You must see that the followling are done in the event of loss or damage to Covered Property. (1) Notify the police if a law may have been broken, (2), Give us prompt notice! of the loss or damage. Include a description of 'the property involved. (3) As soon as possible, give us a descripfion of how, when and where the loss or damage occurred, (4) Take all reasonable steps to protect the Covered Property from further damage, and keep a record of your expenses necessary to protect the Covered Property, for consideration in the settlement of the claim. This will not increase the Limits of insurance of Secflon I — Property, However, we will! not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. Also, if feasible, set the damaged property aside and in the best possible order for examination. (5) At our reiqu st, give us complete inventories of the damaged and undamaged property. include quanti�ties, costs, values and amount of loss claimed. (61) As often as may be reasonably required, permit us to inspect the property proving the loss, or damage and examine your bow d records, Also permit us to take samples of damaged and undamaged property for inspection,, testing and analysis,, and permit us to make copies, from your books and records. (7) Send us a, signed, sworn proof of loss containing the, information we request to investigate the claim, You must do this within 60 days after our reqluest�, We will supply you with the necessary forms, (6) Cooperate with us in the investigation or settlement of the claim. (9) Resume, all or part of your "operations" as quickly as possible, b. We may examine any insured under oath, while not in the preseince of any other insured' and at such times as may be reasonably required, about any matter relating to this insurance or the claim, including an insiured's books and records. In the event of an examination, an insured's answers must be signed, 4. L,egia�l Action Against Us No one may bring a legal action against us undeirthiis insurance unless - a. There has been full! compliance with all of the terms of this insurance; and b. The action is brought within two years after the date on which, the direct physicall loss or damage occurred, In the event of loss or damage covered by this policy: a. At our option, we will eithero (1) Pay the value of lost or damaged piroperty,: (2) Pay the cost of irepaidng, or repla,c�ng the lost or damaged property, (3) Take all or any part of the property at an agreed or appraised vallue; or (4) Repair, rebuild or replace the property with other property of Ilike kind and quality, subject to Paragraph d.(1)(e) below. b. We will give notice of our intentions within 30 days, after we! receive the swwo, pig, ow, of loss c. We will not pay you more than your financial interest in the CoveredProperty, t., Except as, provided in Paragraphs (2) through (7) belowwe will determine the vailue of Covered Property as follows: (1) At replacernent cost without deduction for depreciatl ons u bJ act to the: fol lowi ng: (a), If, at the time of loss, the Limit of Insurance on, the lost or damaged property is 80%, or more of the full replacement cost of the property Immediately before the loss, we will pay the cost to repair or replace, after application of the deductible and without deduction for depreciation, but not more than the least of the following arnounts: (I), The Limit of Insurance under Section I — Property that applies, to the lost or damaged property; SP 00 03 17 113 C Insurance Services, office, Inc., 2,012 Pagie 25 of 53 w w r w, .r-wi ,w- ♦ �w� w w • .w r � w w w w 1« ".; w.. w w,. I! • Ib M 7 w w w w. w w w :w wI • w. w w w,. u w :w ■ w w� w _w �w w .rw .w ♦ w w� ww w.. w w! w ww M w � wwr w wr r w w w w,,� w-• � ww• w w r .,. w �r w w • w o w ww.: w ''«�� .w w •w w -w z w ww- .ww w � I w M'w • � w s w^N sill I w «Mh ww w w w z: ,w www iw w "". r «w •w w w .ww ■ w w I.,w °� � 1,1 li w w w - ► w � wr . -w �► � #1� ��` w w 11 w« w * w w • w � •,, w .I w` w. .w •w: w w I VI « Page 6 of 53Insurance a +i'ce Office', Inc., 20,12 B,P 00 03 07 13 SP 00 013 07 13 0 Insurance Serv�ces Office, Inc,, 2012 Page 27 of 513 8. Vacancy a. Description Of Terms I z 7. Resumption Of OMI perations We will reduce the amount of your" i. Business Incooss, other than Extra Expense, to: the extent you can resume your 'operations"in whole or in part, by using damaged or undamaged property (including merchandise or stock) at the described premises or elsewhere, 1,. Extra Expense loss to the extent you cw-i return "operations" to normal and discontinue such Extra Expense. Page 26 of 53 V Insurance Services I Inc., 2012 B�P 00 107 131 (c), Building glass breakage, (d) Water damage; (a) Theft; or (f) Attempted theft, (2) With respect to Covered'! Causes of Loss A ther than those listed in, Paragraphs (1)(a) through (1)(f) above, we will reduce the amount we would otherwise �pay for the loss or damage by 115% F. Property General Conditions Control Of Property Any act or neglect of any person other than you beyond your direction or control will not affect this Insurance. The breach, of any condition of this Coverage �Fo!rm, at any one or more locations, will! not affect coverage at any location where,i at the time of loss or damage, the breach of condition does niot ex�ist. 2. �Mortgagieholders The term "mortgageholder" includes truistee:. b. We will pay for covered loss of or damiagie to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear. c. The mortgageholder has the right to receive loss payment even if the mortgag:eholder has started foreclosure or similar action on, the! building or structure. d. If we deny your claim because of your acts or because you have failed' to comply with the terms of this, piolicy, the mortgageholder wiII still have, the night to receive loss payment if the mortgageholder: (1) Pays any premium due, under this policy at our request if you have failed to, do sio; (2) Submits a signed, sworn proof of loss *thin 601 days after receiving notice from us, of your failure to do so, and (3) Has notified us of any change in ownership, occupancy or substantial change in risk known to the mortgaolder, Ali of the terms of this policy wi�ll then apply directly, to the mortgageholder. ei. If we pay the miortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this policy: (1) The morti ageholdees rights under the 9 mortgage will be transferred to us to the extent of the amount we pay; and (2) The mortgageholder's right to recover the full amount of the mortgageholders, claim will not be impaired. At our option, we may pay to the mortgagiehiolder the whole principal on the mortgage plus, any accrued interest, In this event,, your mortgage and note will be transferred to us and you will pay your reimiaining mortgage debt to us. f. If we po cancell this licy, we: will give written notice! to the moirtgageholder at least: (1) 110 days before the effective date of cancellation If we cancel for your nonpayment of premium; or (2) 30 days before the effective date of cancellation If we cancel for any other reason. g. If we elect not to renew this, policy, we will give written notice to the mortgageholder at least 10i days before the expiration date of this piolicy I No Benefit To Saillee �No person or organization, other than you, having custody of Covered Property will benefit from this insurance, 4. Policy Period, Coverage Terrilory Under Section I — Property: ai., We cover loss or damage commencing: (1) During the policy period shown in the Declarations; and (2) Within the coverage territory or, with respect to property in transit, while it is between points in the coverage territory, b. The coverage territory (1) The United States of America �Includingl its, territories and possessions),i (2) Puerto Rico; and (3) Canad�ai. BP 00 03 0713 0 insurance Services Office, Inc,, 2012 Page 29 of 53 0 0 tz, 0 ""age 30 of 53 0 Insurance Serviceis Office, Inc.:, 2012 BIR 11 13i 17 13 B P 001 03,017 13 0 Insurance Services, Office, Inic., 2012 Page 31 of 513 MIL: IM M A I mo III I I Lai I lil� IM121v I I! 111 1111111111 111111111� 111111111111111111111111111111 111111111� 1111111111111111111 (2) Leakage at any valve, fitting,: shaft seal, gi. With respect to the coveraigle provided by gland paickinigi, joint or connection, this Optional Coverage, Paragraph H. (3) l amiage to any vacuum tube, gias tube, Property Definitions Is amended as, or brush; or foHoi (4) The functioning of any safety or 1. "'Computer" rneans: protective device,. a. Programmable electronic equipment that is used to store, retrieve and process data; and Page 32 of 63 C Insurance Services Office, Inc., 2012 BP 00 103 ITT"13 1�- I Ely M lllr- VA llllw�� Err M�'�� 111tV L .............. SP 001 03 107 113 0 Insurance, Services Office, Inic., 20112 Paige 33 of 53 (2) Ends on the earlier of. (a) The datei when the property at the described premises should be repaired, rebuilit or replaced with reasonable speed and similar q�uiaility; or (b)i The date when business is resumed at a new permanent llocaton. bi.i Does not include any increased period required due to: the enforcement of or compliance with, any ordinance or law thati (1) ReguWte:s the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat,, dieto)(ify or neutrallize, or in any way respond to, or assess the effects of tpollutantsi". The expiration date of this policy will not cut shiort the "Periodof restoration,"', IN "Pollutaints" imeans, any solid, liquid, gaseous, or thermall irritant or contaminant, indluding smoke, vapor, soot, fumes,, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed, 11. "Securities" meainis niegiotiable and nonnegotiable instrumients or contracts representing either "money" or other property and includes a. Tokens, tick�ets, revenue and other stamps (whether represented by actual stamps or unused value in a meter) in current use, and b. Evidences of debt issued in connection with credit or charge cards, which cards are; not issued by you," Ippilipp;g !i 92IN Marifilre, I qIN UPI: - w w w� Fire; lightning; explosiom windstorm or hall; smioke; aircraft or vehicles: riot or civil commotion; vandalism; leakage from fire extinguishing equiprinent; sinkhole collapse; volcanic: action; failing objects; weight of snow, ice or sleet; water damage:. a. Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created by the! action of water on limestone or dolomite. This cause of loss doesi not include: cost of filling sinkholes-1 or (2), Sinking or collapse of land into man- made underground cavitiles,. b. Failing objects does not include loss of or daimiaigle to: (1) Personal property in the open, or interior of a building or structure, or property inside a building or structure, unless the roof or an outside wall of the building or structure is first damaged by a, falling object. 30MM= =� (1) Accidental discharge or leakage of water or steam as the direct result of the breaking apiart or cracking of any part of a system or appliance (other than a suirrip system including its related equipment and parts), contaiining water or steam; and (2) Accidental discharge or leakage: of water or waterblorne material as the direct resulit of the breaking apart or cracking of a water or sewer pipe that is located off, the described premises and part of a municipal potable water supply system or municipall sanitary s,eweir system,, if the breakage or cracking is caused by wear and tear. Page 34 of 53 0 Insurance Services Offi�ce, Inc., 2012 BP 00103,07 13 14. "Valuable papers and records" means Inscribed, printed or wrltt'eni: a. Documents; b. Manuscripts; and c. Records; including abstracts, boobs, deeds, drawings, films, snaps or mortgages. es. But "vailuable papers and records"' does riot mean ""money" or "securities'"'. SECTION 11 — LIABILITY 1. ustness llw,tialbtltt a. T-e will w,. those sums that the insured becomes.gw: obligated damagesbecause of rwl No property damage" or "personal w advertising injury" to which this insurance, applies. We will have the right and duty to defend the insured against seeking those damages. w have no, duty to defend . w against seekingany "siuiV' damages for "'bodily "property damage" or "personal d advertising ar which this insurance does not apply. We may, at our discretion, investigate any ""occurrence"' or any offense and settle any claim or"sult" that may, resultBut: (1) The amount we will pay for w .ww limitedsi is, described'Paragraph � D. LiabilityAnd Medical Expenses Of insurance in ww and Our rightand duty to defend end when we have used up the applIcabileof Insurance in the payment of judgments or settlements or medical expenses. No, other obligationor r ',..,r pay sums or r or r w explicitlyunless provided wunder Paragraph w rq Extension — Supplementary Payments, b. This Insurance applies: To wrr and "property ww _w;. only if: winjury"w prqpeirty damage"caused by an rccurrence" that takes place "'coverage s w r w or "property damage"" occurs during the policy period; and (c) Prior to _ policyperiod, no insured listed under Paragraph CA. Who Is An Iand no "employee" nsured authorized by you to give or receive damage"notice of an "o1ccurrence" or claim, knew that the "bodily Injury" -ur had occurred, whole or in part�. if such a listed insured or authorized w w priorz the pIolicyrw , that w rs►w or "property damage"'occurred, change or w lr of such rwA', or "property damage" during or after the poficy period will be deemed to have been knownbefore the policy period. w r: r. r ,'w 0 �• w w w w s r NMI • r w r *ww w w •w: w. we w t �I r w rl A7 r «• w :r .w, w. w r w Ir r w r w . I' w I r ,.w r •',. +AA- w, A : w w.... wl w w w,. w.�. . A, �• w�. • w w Iw •r w w r w w w s err w • rAw, r w rr- rw w. w w rI rlwwl • •« ,.r� r wrA w w Illwlw w, ww w" w, rwri w. wl w. � w w ,, ;: • w w w. 000307Office,Page 35 A rM Page 316 of 63 C Insurance Services Office, linc., 2012 SP 03 0713 (c) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require, b. We will make these payments regairdlesis of fault, These payments will not exceied the Limits of Insurance of Siectioin 11 — Uability We will piay reasoniabpenses for: (1) First aid admiNstered at the tilmie of an accIdent; (2) st dental services, including pirosthet devices', and (3) N�ecessary ambulanice,§ hospi 1 1;1 professional nursing and 11funer services, TO - = BP 00i 0131 07 13 Q Insurance Services Office, Inc., 2012 �Page 37 oil 53 b)i Such attorney fees aiind fitigati; expenses are for defense of th party against a civil oiir allemat! dispute resoMicin proceeding whichi damages to which th iinsurance appliles are alleged, 11 c. Liquor Liability Employees Liabillity "Bodily injury" to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insuredor ( i b) Performing duties related to the conduct of the insured's business; or spoluse, child, parent, brother or sister of that "employee" as a consequence of Paragraph (1) above. This exclusion applies whether the insured may be liable as an employer air in any other capacity and to any obligation to who must pay claimages, because of the injury. This exclusion does not apply to liability assumed by the insured under ain "insured contract", Page 38 oOffice, Inc., 211 13 07 13 oil This exclusion applies even if the clai all ,g I ege negligence or other wrongdoin ' the supervision, hiring, employmen training or monitoring of otheiirs by insuired, if the "occurrence" which caus the "bodilly injury" or "property damagi involved the ownership, maintienaiince,ii uiii or entrustment to others of aiiny aircra Uauto": or watercraft that is owned operated by or rented Or loaned to a insureM. This exclusion does not apply to: you own or rent; (2) A watercraft you do not own that Is: (a) Less than 51 feet forig; and (b) �Not being used to carry persons property for a charg (3) Parking an "auto" on, or on the we next to, premises you own or re provided the "auto" is not owned by rented or loaned to you or the insured; (4) Liability assumed under any "insur contract" for the ownershi maintenance or use of aircraft watercraft; or (5) "Bodily injury" or "property clamaig arising out oi (a) The operation of machinery equipment that is attached to, or pa of, a land vehicle that would q�uiali uinder thie definition of "mobli equipment" if it Zire not subject to - compulsory or financial responsibill li a law or other motor vehiicle insuran I or motor vehicle registration [a where it is liceinsed or principal I garaged, or (b) The operation of any of the followil machinery or equipment- (1) Cherry pickers, arid simil devices mounited: on automobi or truck chassis, and used to rai or lower workers', and I (111) Air compp ressors, umps a generators, iinicluldg sprayinif welding, biuilding clean! geophysical exploration, Iightii and well servicing equipment 29i=• r-� "Bodily injury" or "'property damage"arising out of - (1) The transportation of "motA,; equipment' by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition or stunting activity. War Bodily iri opiroperty damage" or Upersonal anidi advertising ini however caused, arising, directly or indirectly, out of: !including undectared or civil war; (2) Warillke action by a military force, incluiding action, in hindering or defending against an actual or expected attack, by any governmient�, sovereign or other authority using military personnel or other agents; or (3) insurrection, rebellion, revolution, usurped power, or acUon taken by govemment authority in hindering or defending against any of these. j. Professional Services "Bodily injury", "property daimage" or "personal and advertising injurycaused by the rendering or failure to render any professional service. This includes but is not limited to: (1) Legal, accounting or advertising services,, 1(2) Prepari ing, approving, or failing to prepare or approve maps, drawings, opinions, reportssurveys, change orders, desigins oir specifications; (3) Supervisory, inspection or engineering serVices; (4) Medical, surgical, dental, X-ray or nursing services treatment, advice or instruction; (5) Any health, or therapeutic service treatment, advice or instruction; (6) Any service, treatment, advice or instructioni for the purpose of appearance or skin enhancement, hair removail or replacement or personal grooming; Page 40 of 53 Q insurance Services Office, Inc., 2012 BP 00 03 0713 (7) Optometry or optical or heading aid services includiling the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices; (8) Body piercing services; and (91) Services in the practice of pharmacy. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "occurrence" which caused the "bodily Injury" or "property damage", or "Property damage" to: (1) Property you own, rent or ocou including any costs or expens incurred by you, or any other perso organization or entity, for repa replacement, enhancement, restorati I or maintenance of such property for a reason, Including prevention of injury a person or damage, to anothe, property; �1 (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises, (3) Property loaned to you: (4) Personal property in the care, custody or control of the insured', (6) That particular part of real property on which you oir any contractor or subcontract or working directly or indirectly on your behalf is performing operations, if the "property damage"' arises, out of those operationsor '16) That particular part of any property that must be restored, repaired or replaced because "Your work"' was incorrectly performed on It. ............... ............... .............. . . . . . . . . . . . . . . . .......... I w a z I Paragraph (2) of this exclusiion does ndi apply if the premises are "your work" and were never occupied, rented or hold for rental by you. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph (6) of this exclus,io,n does, not apply to "property damage"" included in the "products -completed operations hazaird". "Property damage" to "your product"' arising, out of it or any part of it m. Damage To Your Work "Property damage" to "your work" adsling out of it or any part of it and included in the "productsi-completed operations hiaiza!rdi". This exclusion does not apply if the damaged! work or the work out of which the damage arises was performed on your behalf by a subcontractor. n. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "Impaired property" or property that has not been physically injured, arising out of, (1) A defect, deficiency, inadequacy oir dangerous condiition in "your product" or .'your work�; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its tenns. This, lexclusiion does not appilly to the loss of use of other property arising den and accidental physical injury to "your product" or "your work"' after it has been put to its intended use. i. Recall Of' Products, Work Or Impaired Property Damages claiimed for any losscost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection,, repair, replaceimient, adjustment, removal or disposal! of., (1) our produicit"; (2) "Youir work", or (3) "ilimpailiredi property"; SP 010 03 17 13 0 Insurance Services Office, line., 2'012 Pago 41 of 53 r .M, r r r r r M M an r r M M i r r M • M r ^^ uw Mr r M w r ■' r♦ M M; M r M �MM w,r M r r� ,.r w r rw w• w^M w M i Mar Wr. rw M-rr' M r r r w� rr r w r ♦ - M .M aM, �,r M • M, � M n Mu � r M •. «M i r- r', ea r .M M rr • .,wi. r M Mr« M M M Mr r r w r r �wM w r z M M is I r .•- r M r r r rr r Mr- M wMM r r r M M M« .MY IMr r. Page 42 of 53 0 insurance Services Office, Inc., 20,12 BP W 03 07 13 • I IW 11 1111 1 011111MI a I I I I III IN 1111i'lUm 04, 1 im in' ilim W 'I �-m it-, U06i I Wa go] sit mul III I Igo] MINUU41 IFIA011 BiP 00 013 07 13 Q Insurance Services Office, linc., 2,012 Page 43 of 53 0 0) 'Waste"' means any waste material (a) Contat'niing "by-product material" other than, the taiiings or wastes produced by the extraction or concentration of uranium or thodurn from any ore processed primarily for its, "source material" content; and (bi) Resulting from the operation by any person or organization of any "'nuclear facility" included under Paragraphs (a) and (b) of the definition of "nuclear facility". C'. Who Is An, Insured 1. if you are designated in the Declarations as: a. An individual, you and yoluir spouse a Insureds, but only with respect to coindbusiness of which you are sole owner. �b. A partnership or joint ventureyou are insured. Your members,, your partners their spouses are also insureds, but with respect to the conduct of business. I C. A limited liability company, you are insured. Your members are also insured but only with respect to the coniductt of yo business. Your managers are insureds, bi only with respect to their duties as yo managers. d. An organization other than a partnershl Join( venture or limited liability comipan I you are an Insured, Your "'executi officers" and directors are insureds, but onil with resplect to their duties as your officei or directors. Your stockholders are al Insureds,, but only with respect to th liability as stockholders, e!. A t�ruist, you are an insured. Your truste are also insureds, but only with respect their duties as trustees, 2. Each of the following is also an insured. a. Your volunteer workers" only while performing duties related to the conduct of your business, or your "employees% other than either your "executive officers" (if you are an organizafion other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. Howeveirnone of these "employees" or "volunteer workers" are insureds for: 11) "Bodily Injury" or "personal and advertising injury"k. (a) To yoiu, to your partners, or members (if you are a partnership or joint venture), to your members (if you are a limited liability companyj, or to a co,-"empoyeo" while in the course of his or her employment or performing duties related to the conduct of your blusine:ss, or to your other "Volunteer workers" while performing d�utles related to the conduct of your busines% (b) To the spouse, child, parent, brother or sister of that co-"emptoyee" as a consequence. of Paragraph (a) above; (c:) For which there is any obligation to share damages with or repay someone else who must pay damages because of the i�njury described in Paragraph (a) or (b); or (d) Arising out of his or her providing or failing to provide professloniat health care services. ,(2) "Property damage" to property: (a) Owned, occupied or used by,, BP 00 013 07 13 0 Insurance Services Office, Inc., 2012 Page, 45 of 53 a. Insureds; by. Claims made or 'i brought; air c. Persons or organizations making claims or bringing "suits". The! most we will pay for the sum of all damages because of all, a. Bodily injury", "property damage" and medical expenses arising out of any one "occurrence",* and b. "Personali and advertising injury' sustained by any one person or orgaoin; s, the Liability and Medical Expenses limit shown in the Declarations. But thie most we WWI pay for all med�cal expenses, because of "bodity injury" sustained by any one plerson is the! M�edical Expenses limit shown in the Declarations, 3i. The most we will pay under Business Liabit Coverage for damages because of "prople damage" to a premises while rented to you in the case of fire while rented to you ternpoiradly o=pied by you with permission t'he owner is the applicable Damage Premises, Rented To You limit shown for th r r - i, premises in thie Declarations. For a preirnis, teimpioirarily occupied by you, the applicab, �l limit will be the highest Damage To Premis, Rented To, You ilmilt shown in the Declaration 4. Aggregate Limits �1 The mlost we will pay for, 1. Bankruptcy Bankruptcy air insolvency of the insured or the iinsured's estate will not rellevve us of all obiligations under this piolicy. Page 4,6 of 63 0 Insurance Services Office, Inc., 2012 BiP 00 03 07 13 no person or organization h is a right under this policy: a., To join us as a party or otherwise bring us into a "suit" asking for dl�amages from an insuredor 4. Separation Of Insureds Except with respect to of Insuran of Section 11 — Liabifity, and any dghts or duti specificaHy assigned in this policy to the fi Named Insured, this insurance applies: a. As if each Named Insured weiire the o Named Insured; and b. Separately to eaichi insured against who claim is, made or "l is brought. F. Liability And Medical Expenses Definitions 1. 'Advertisement" means a notice that broadcast or published to the general public specific market segments about your good products or seMces for the purpose attracting customers, or supplorters, For t purposes of this definition: a. Notices that are published include materi placed on the Internet or on simil electronic means of communicatjon;� and! b. Regarding webi s,ites, only that part of a w site that is about your goods, products services for the purposes of aftiracti customers or supporters is considered advertisement, 2. "Auto" imeans: a. A land motor vehicle, trailer or semitrailer designed for travel loin public roads, including any attached machinery or equipment, or b. Any other land vehicle thait is subject to a compulsory or financial responsibility law or other motor vehicle insuraini;ce or motor vehicle registration law where it is licensed or principally garaged. However, "'auto" does not incluide "mobile equipment". 3. "Bodilly injury" mieanis bodily �njury i , sickness or disease sustained by a person, including death resulting from any of these at any time. 1 117111 � w�� b. To sue us on this policy unless sell of its a., The United States of America (lncluiding its terms have been fully complied wfth, territories and possessions), Puerto Rico and Canada; Bpi' 00 03 07 13 Cl Insurance Services Office, Inc., 2012 Page 47 of 513 1b. International waters or airspace, but only if the injury or damage occurs in the! course of travel or transportation between any places, included in Paragraph a. ablovei,� or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or soby you in the territory described in Paragraph a., above-, LIMMEM�� c. Any eiasemient or license agreemient�, except in connection with construction or demolition operations on or within SO feet of a raikoad; V. An obligation, as required by ordinance, to dlemnify a municipality, except in connection with work for a municipatity; 9. An etevator maintenance agreement; z,- N go . . . . . . . . . . . . . . . . . a. A contract for a lease of premises. 110. "Leased worker"means a person, leased to you However, that portion of the contract for a, by a labor leasing firm under an agreement lease of premises that indemnifies any between you and the labor leasing firm, to person or organization for darnage by fire to perform duties related to the conduct of your piremisies while rented to you or temporarily business. "'Leased worker"' doles not include a occupied by you with permission of the "temporary worker'. owner is not an "Insured contract"; Page 48 of 53 C Insurance Services Office, Inc., 20112 BIR 00 07 C. The wrongfU eviction from, wrongful entry into, or invas,ion of the right of private occupancy of a room, dwelling or piremises that a person oiccupies, committed by or on behalf of its, owrer, l�andloird or lessor; d. OrW or written publication, in any manner, of material: that slanders or libels, a person or organization or disparages a person's or orgainization"s goods, products or services; e. Oral or wriften publication, in any mainner, of material that vioperson's right of privacy,4 SIP 00 03 0713 0 insurance Services, Office, Inc., 20,12 Page 49 of: 53 t. The use of anothers, advertising idea in your "adverUsement"; or g�. Infringing upoin another's copyright, trade dress or slogan in your "advertisement", 15. "Poillutaints" means any solid, liquid, gaseous or thermal irritant or contaminant, including; smoke, vaporsoot, fumes, acids, alkafis, chemicals and waste. Mn includes materials to be recycled, reconditioned or reclaimed, 16. "Products -completed operations, hazard": a. Includes all "'bodily injury"' and "property damage" occurring away from premises you, own or rent and arising out of "'your producC Me r "Your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet! been completed' or abandoned. �Howeve!r, "your work" will be deerned completed at the earliest of the following times: (a) When all of the work called for your contract has been completed. (bWhen alll of the work to be done at the job site has been, comiplleted if your contract calis for work at more than one job site. (c:) When that part of line work done at the job site has been, put to its intended use by, any other person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, cor-recfion, repair or replacementbut which is otherwise complete,, wi�l�l be treated as completed. 17. "Property damage" means: The "bodilly injury" or "property damage" 2,0. miust occur away from premises you own or rent, unless your business inicludes the selling, handling or distribution of "yaur proiduct' for consumption on premises you owi or re -it. b. Does not include 'bodily injury" or "property damage" arising out ofi a. Physical injury to tangiibie proiperty, incluidg all resulting loss of use of that property, X11 such loss of use shall be deemed to occur at the time of the physical injury that caused t; or lb. Loss of use of tangible property that is not physically injured. Ali such loss of use shall, be deemed to! occur at the time! of the "occurrence"" that caused it. .................. .......... you. (1) The transportation of property, unless, a. Means: the injury or damage arises out of a (11) Any goods, or products, other than real condition in or on a vehicle not owned or operated by you, and that condition was property, mainufactured, soled, handled, created by the "lloading or unloading„" oaf distributed or disposed of by: that vehicle by any insured; or (a) You; (2) The existence of tools, uninstalledi (bi) Others trading under your name; or equipment or abandoned or unused materials. Page 50 of 5,3 @1 Insurance Services Office, Inc., 2012 BP 00, 03 0713