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City Of Twin Falls-24-25 Property Renewal (3)
TRAVELERS JW Report Claims Immediately by Calling* 1-800-238-6225 Speak directly with a claim professional 24 hours a day, 365 days a year *Unless Your Policy Requires Written Notice or Reporting COMMERCIAL INSURANCE A Custom Insurance Policy Prepared for: CITY OF TWIN FALLS 321 2ND AVE E, TWIN FALLS ID 83301 Presented by: HUB INTERNATIONAL TRAVELERS !' One Tower Square, Hartford, Connecticut 06183 TRAVELERS CORP. TEL: 1-800-328-2189 MUNICIPALITIES GUAR COST COMMON POLICY DECLARATIONS ISSUE DATE: 10/10/24 POLICY NUMBER: H-630-8W781959-TIL-24 INSURING COMPANY: TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA 1. NAMED INSURED AND MAILING ADDRESS: CITY OF TWIN FALLS 321 2ND AVE E, TWIN FALLS, ID 83301 2. POLICY PERIOD: From 10/01/24 to 10/01/25 12:01 A.M. Standard Time at 3. LOCATIONS your mailing address. Premises Bldg. Loc. No. No. Occupancy Address SEE IL TO 03 4. COVERAGE PARTS FORMING PART OF THIS POLICY AND INSURING COMPANIES: DELUXE PROPERTY COVERAGE PART DECLARATIONS DX TO 00 11 12 TIL GOVERNMENT CRIME COVERAGE PART DECLARATIONS CR TO 22 07 02 TIL COMMERCIAL INLAND MARINE COV PART DECLARATIONS CM TO O1 07 86 TIL 5. NUMBERS OF FORMS AND ENDORSEMENTS FORMING A PART OF THIS POLICY: SEE IL T8 01 10 93 6. SUPPLEMENTAL POLICIES: Each of the following is a separate policy containing its complete provisions: Policy Policy No. Insuring Company DIRECT BILL 7. PREMIUM SUMMARY: Provisional Premium $ 172,409 Due at Inception $ Due at Each $ NAME AND ADDRESS OF AGENT OR BROKER: COUNTERSIGNED BY: HUB INTERNATIONAL (VE589) P 0 BOX 5099 TWIN FALLS, ID 833035099 Authorized Representative DATE: IL TO 02 11 89(REV. 09-07) PAGE 1 OF 1 OFFICE: SAN ANTONIO-EAST TRAVELERSJ� POLICY NUMBER: H-630-8W781959-TIL-24 EFFECTIVE DATE: 10-01-24 ISSUE DATE: 10-10-24 LISTING OF FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS THIS LISTING SHOWS THE NUMBER OF FORMS, SCHEDULES AND ENDORSEMENTS BY LINE OF BUSINESS. IL TO 02 11 89 COMMON POLICY DECLARATIONS IL T8 01 10 93 FORMS, ENDORSEMENTS AND SCHEDULE NUMBERS IL T3 18 05 11 COMMON POLICY CONDITIONS-DELUXE IL TO 03 04 96 LOCATION SCHEDULE IL T8 02 GENERAL PURPOSE ENDORSEMENT DELUXE PROPERTY DX TO 00 11 12 DELUXE PROP COV PART DECLARATIONS DX 00 04 11 12 TABLE OF CONTENTS - DELUXE PROP COV PART DX T1 00 11 12 DELUXE PROPERTY COVERAGE FORM DX T1 01 11 12 DELUXE BI (AND EE) COVERAGE FORM DX T4 45 04 13 LIMITED DRAIN BACK-UP COVERAGE DX T4 46 11 12 LAW ENFORCEMENT ANIMALS DX T4 47 11 12 PUBLIC ENTITY PROPERTY EXTENSIONS DX T3 01 11 12 CAUSES OF LOSS-EARTHQUAKE DX T3 02 11 12 CAUSES OF LOSS - BROAD FORM FLOOD DX T3 19 11 12 CAUSES OF LOSS - EQUIPMENT BREAKDOWN DX T3 62 11 12 ADDITIONAL COVERED PROPERTY DX T3 85 11 12 UTILITY SERVICES-DIRECT DAMAGE DX T3 86 11 12 UTILITY SERVICES-TIME ELEMENT DX T4 02 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DIS DX T5 21 01 23 DIGITAL ASSETS EXCLUSIONS DX T3 98 01 23 ELECTRONIC VANDALISM LIMIT & OTHER CHANG INLAND MARINE CM BO 72 02 18 MISC PROPERTY COVERAGE FORM DEC CM BO 74 01 16 MISCELLANEOUS PROPERTY DEDUCTIBLE SCHED CM BO 96 01 21 CONTRACTORS EQUIPMENT COVERAGE FORM DEC CM BO 97 01 21 CONTRACTORS EQUIPMENT SUPPLEMENTAL DEC CM TO 11 08 05 TABLE OF CONTENTS CM 00 01 09 04 COMMERCIAL INLAND MARINE CONDITIONS CM T2 39 01 16 MISCELLANEOUS PROPERTY COVERAGE FORM CM T2 42 01 21 CONTRACTORS EQUIPMENT COVERAGE FORM CM U6 17 01 23 ELECTRONIC VAND LIMITATION & OTHER CHGS CM T3 98 01 21 FEDERAL TERRORISM RISK INSURANCE ACT DIS CM T7 52 01 16 EARTH MOVEMENT EXCLUSION CM T7 63 01 16 FLOOD EXCLUSION CM U3 50 01 21 FLOOD EXCLUSION CM U3 66 01 21 EARTH MOVEMENT EXCLUSION CM U6 41 01 23 DIGITAL ASSETS EXCL - DIGITAL CURRENCY IL T8 01 10 93 PAGE: 1 OF 2 TRAVELERSJ� POLICY NUMBER: H-630-8W781959-TIL-24 EFFECTIVE DATE: 10-01-24 ISSUE DATE: 10-10-24 CRIME CR TO 22 07 02 GOVERNMENT CRIME COVERAGE DECLARATION CR TO 29 01 05 TABLE OF CONTENTS-GOW T CRIME COV FORM CR 00 24 07 02 GOVT CRIME COVERAGE (DISCOVERY FORM) CR 25 19 03 00 ADD FAITHFUL PERFORMANCE OF DUTY COV INTERLINE ENDORSEMENTS IL TO 63 07 22 ACTUAL CASH VALUE IL T4 12 03 15 AMNDT COMMON POLICY COND-PROHIBITED COVG IL T4 14 01 21 CAP ON LOSSES FROM CERT ACTS OF TERRORIS IL T4 27 06 19 ADDITIONAL BENEFITS IL T4 40 10 20 PROTECTION OF PROPERTY IL T3 82 05 13 EXCL OF LOSS DUE TO VIRUS OR BACTERIA IL T3 55 05 13 EXCLUSION OF CERTAIN COMPUTER LOSSES IL T9 41 09 08 ID CHANGES-CANCELLATION AND NONRENEWAL POLICYHOLDER NOTICES PN T1 89 02 23 JURISDICTIONAL INSP & CONTACT INFO REQ IL T8 01 10 93 PAGE: 2 OF 2 COMMON POLICY CONDITIONS - DELUXE All Coverage Parts included in this policy are subject to the following conditions. A. CANCELLATION C. EXAMINATION OF YOUR BOOKS AND RE- 1. The first Named Insured shown in the Decla- CORDS rations may cancel this policy by mailing or We may examine and audit your books and re- delivering to us advance written notice of cords as they relate to this policy at any time dur- cancellation. ing the policy period and up to three years after- 2. We may cancel this policy by mailing or deliv- ward. ering to the first Named Insured written notice D. INSPECTIONS AND SURVEYS of cancellation at least: 1. We have the right but not obligated to: a. 10 days before the effective date of can- a. Make inspections and surveys at any cellation if we cancel for nonpayment of time; premium; or b. Give you reports on the conditions we b. 60 days before the effective date of can- find; and cellation if we cancel for any other rea- son. c. Recommend changes. 3. We will mail or deliver our notice to the first 2. We are not obligated to make any inspec- Named Insured's last mailing address known tions, surveys, reports or recommendations to us. and any such actions we do undertake re- lated only to insurability and the premiums to 4. Notice of cancellation will state the effective be charged. We do not make safety inspec- date of cancellation. If the policy is cancelled, tions. We do not undertake to perform the that date will become the end of the policy pe- duty of any person or organization to provide riod. If a Coverage Part is cancelled, that date for the health or safety of workers or the pub- lic.And we do not warrant that conditions: respects that Coverage Part only. a. Are safe or healthful; or Cancellation will not affect coverage on any shipment in transit on the date of the cancel- b. Comply with laws, regulations, codes or lation. Coverage will continue in full force until standards. such property is delivered and accepted. 3. Paragraphs 1. and 2. of this condition apply S. If this policy or any Coverage Part is can- not only to us, but also to any rating, advisory, celled, we will send the first Named Insured rate service or similar organization which any premium refund due. If we cancel, the re- makes insurance inspections, surveys, re- fund will be pro rata. If the first Named In- ports or recommendations. sured cancels, the refund may be less than 4. Paragraph 2. of this condition does not apply pro rata. The cancellation will be effective to any inspections, surveys, reports or rec- even if we have not made or offered a refund. ommendations we may make relative to certi- 6. If notice is mailed, proof of mailing will be suf- fication, under state or municipal statutes, or- ficient proof of notice. dinances or regulations, of boilers, pressure B. CHANGES vessels or elevators. E. PREMIUMS This policy contains all the agreements between you and us concerning the insurance afforded. 1. The first Named Insured shown in the Decla- The first Named Insured shown in the Declara- rations: tions is authorized to make changes in the terms a. Is responsible for the payment of all pre- of this policy with our consent. This policy's terms miums; and can be amended or waived only by endorsement b. Will be the payee for any return premiums issued by us and made a part of this policy. we pay. 2. We compute all premiums for this policy in accordance with our rules, rates, rating plans, IL T3 18 05 11(Rev.09-18) Includes copyrighted material of Insurance Services Office,Inc.with its permission. Page 1 of 2 premiums and minimum premiums. The pre- 1. The Commercial Property Coverage Part; mium shown in the Declarations was com- 2. The Commercial Inland Marine Coverage puted based o n rates and rules in effect at the Part; time the policy was issued. On each renewal continuation or anniversary of the effective 3. Commercial Property forms including, but not date of this policy, we will compute the pre- limited to, the following: mium in accordance with our rates and rules a. Building and Personal Property Coverage then in effect. Form; F. TRANSFER OF YOUR RIGHTS AND DUTIES b. Business Income Coverage Form; UNDER THIS POLICY c. Commercial Property Conditions; Your rights and duties under this policy may not d. Causes of Loss —Special Form; be transferred without our written consent except in the case of death of an individual named in- e. Causes of Loss —Earthquake Form. sured. 4. Commercial Inland Marine Forms including If you die, your rights and duties will be trans- but not limited to the Transportation Coverage ferred to your legal representative but only while —Special Form acting within the scope of duties as your legal Endorsements referencing the Commercial representative. Until your legal representative is Property Coverage Part, Commercial Inland appointed, anyone having proper temporary cus- Marine Coverage Part, Commercial Property tody of your property will have your rights and du- Forms, or Commercial Inland Marine Forms ties but only with respect to that property. apply to the Deluxe Property Coverage Forms G. WHEN WE DO NOT RENEW in the same manner as they apply to the If we decide not to renew this policy we will mail Forms they reference. or deliver to the first Named Insured shown in the I. INSURANCE UNDER TWO OR MORE COVER- Declarations written notice of the nonrenewal not AGE PARTS less than 60 days before the expiration date. If two or more of this policy's Coverage Parts ap- H. DELUXE PROPERTY COVERAGE PART- ply to the same loss or damage, we will not pay REFERENCE TO FORMS AND ENDORSE- more than the actual amount of the loss or dam- MENTS age. In some instances, the Deluxe Property Declara- tions may list endorsements included in the De- luxe Property Coverage Part that reference: This policy consists of the Common Policy Declarations and the Coverage Parts and endorsements listed in that declarations form. In return for payment of the premium, we agree with the Named Insured to provide the insurance afforded by a Coverage Part forming part of this policy. That insurance will be provided by the company indicated as insuring company in the Common Policy Declarations by the abbreviation of its name opposite that Coverage Part. One of the companies listed below (each a stock company) has executed this policy, and this policy is counter- signed by the officers listed below: The Travelers Indemnity Company (IND) The Phoenix Insurance Company(PHX) The Charter Oak Fire Insurance Company (COF) Travelers Property Casualty Company of America (TIL) The Travelers Indemnity Company of Connecticut(TCT) The Travelers Indemnity Company of America (TIA) Travelers /Casualty Insurance Company of America (ACJ) Secretary President Page 2 of 2 Includes copyrighted material of Insurance Services Office, Inc.with its permission. IL T3 18 05 11 (Rev.09-18) LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 1 1 420 VICTORY AVE ANIMAL SHELTER TWIN FALLS, ID 83301 2 2 967 ROSE ST BULLY BARN STORAGE SHED TWIN FALLS, ID 83301 3 3 CASCADE PARK RESTROOMS TWIN FALLS, ID 83301 3 4 CASCADE PARK SHELTER TWIN FALLS, ID 83301 4 5 115 HANSEN ST RESTROOM FACILITY TWIN FALLS, ID 83301 5 6 203 MAIN AVE E CITY HALL TWIN FALLS, ID 83301 6 7 CITY PARK BAND SHELL TWIN FALLS, ID 83301 6 8 CITY PARK RESTROOM TWIN FALLS, ID 83301 7 9 DIERKES LAKE PARK 2 SHELTERS TWIN FALLS, ID 83301 7 10 DIERKES LAKE RESTROOMS AND SHOWERS TWIN FALLS, ID 83301 7 11 DIERKES LAKE SHOP TWIN FALLS, ID 83301 7 12 DIERKES LAKE TICKET BOOTH TWIN FALLS, ID 83301 7 13 DIERKES LAKE 2 PUMP HOUSES TWIN FALLS, ID 83301 IL TO 03 04 96 Page 1 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 8 14 305 3RD AVE E ENGINEERING LAB AND EMPLOYEE FITNES TWIN FALLS, ID 83301 9 15 345 2ND AVE E FIRE HOUSE TWIN FALLS, ID 83301 10 16 640 FALLS AVE FIRE HOUSE TWIN FALLS, ID 83301 11 17 911 WASHINGTON ST S FIRE HOUSE TWIN FALLS, ID 83301 12 18 SUNWAY SOCCER COMPLEX PARK SPLASH PAD BUILDING TWIN FALLS, ID 83301 12 19 SUNWAY SOCCER COMPLEX RESTROOMS AND CONCESSIONS TWIN FALLS, ID 83301 13 20 2700 EAST SHELTER AND CONTENTS TWIN FALLS, ID 83301 14 21 640 FALLS AVE 3 SCORE BOOTHS FRONTIER FIELD TWIN FALLS, ID 83301 14 22 640 FALLS AVE RESTROOMS FRONTIER FIELD TWIN FALLS, ID 83301 14 23 640 FALLS AVE 2 SHELTERS FRONTIER FIELD TWIN FALLS, ID 83301 15 24 GRANDVIEW DR CART HOUSE TWIN FALLS, ID 83301 15 25 GRANDVIEW DR CART HOUSE TWIN FALLS, ID 83301 15 26 GRANDVIEW DR CLUB HOUSE TWIN FALLS, ID 83301 IL TO 03 04 96 Page 2 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 15 27 GRANDVIEW DR MAINTENANCE SHOP TWIN FALLS, ID 83301 15 28 GRANDVIEW DR MAINTENANCE SHED TWIN FALLS, ID 83301 15 29 GRANDVIEW DR PUMP STATION TWIN FALLS, ID 83301 15 30 GRANDVIEW DR PUMP STATION TWIN FALLS, ID 83301 16 31 ELIZABETH BLVD RECREATION BUILDING HARMON PARK TWIN FALLS, ID 83301 16 32 ELIZABETH BLVD STORAGE BUILDING HARMON PARK TWIN FALLS, ID 83301 16 33 ELIZABETH BLVD RESTROOM 1 HARMON PARK TWIN FALLS, ID 83301 16 34 ELIZABETH BLVD RESTROOM 2 HARMON PARK TWIN FALLS, ID 83301 16 35 ELIZABETH BLVD RESTROOM 3 HARMON PARK TWIN FALLS, ID 83301 16 36 ELIZABETH BLVD PUMP HOUSE HARMON PARK TWIN FALLS, ID 83301 16 37 ELIZABETH BLVD 2 SHELTERS HARMON PARK TWIN FALLS, ID 83301 IL TO 03 04 96 Page 3 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 16 38 ELIZABETH BLVD SKATEBOARD PARK HARMON PARK TWIN FALLS, ID 83301 17 39 BLAKE AND BORAH RESTROOMS HARRY BERRY PARK TWIN FALLS, ID 83301 17 40 BLAKE AND BORAH PUMP HOUSE HARRY BERRY PARK TWIN FALLS, ID 83301 17 41 BLAKE AND BORAH SHELTER HARRY BERRY PARK TWIN FALLS, ID 83301 18 42 HIGHLAND AND LOIS RESTROOMS HIGHLAND PARK TWIN FALLS, ID 83301 19 43 492 AIRPORT LOOP AIRPORT ELECTRICAL BUILDING TWIN FALLS, ID 83301 19 44 524 AIRPORT LOOP AIRPORT TERMINAL TWIN FALLS, ID 83301 19 45 JOSLIN FIELD SHOP TWIN FALLS, ID 83301 19 46 JOSLIN FIELD SRE STORAGE AND SHOP BUILDING TWIN FALLS, ID 83301 19 47 JOSLIN FIELD WAREHOUSE-SAND SHED TWIN FALLS, ID 83301 19 48 JOSLIN FIELD FIRE STATION 4 TWIN FALLS, ID 83301 19 49 JOSLIN FIELD ELECTRICAL BLDG-POWER VAULTS/ELEC TWIN FALLS, ID 83301 IL TO 03 04 96 Page 4 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 19 50 JOSLIN FIELD PUMPHOUSE TWIN FALLS, ID 83301 19 51 JOSLIN FIELD PUMPHOUSE TWIN FALLS, ID 83301 20 52 201 4TH AVE E LIBRARY BUILDING TWIN FALLS, ID 83301 20 53 201 4TH AVE E STORAGE BUILDING TWIN FALLS, ID 83301 21 54 PARK AVE 4 SCORE BOOTHS OREGON TRAIL YOUTH COMPLEX TWIN FALLS, ID 83301 21 55 PARK AVE RESTROOMS OREGON TRAIL YOUTH COMPLEX TWIN FALLS, ID 83301 22 56 136 MAXWELL AVE OFFICE AND SHOP TWIN FALLS, ID 83301 23 57 321 2ND AVE E ADMINISTRATION AND CRIMINAL INVESTI TWIN FALLS, ID 83301 24 58 725 SHOSHONE S EVIDENCE STORAGE TWIN FALLS, ID 83301 25 59 356 3RD AVE E PUBLIC SAFETY AND COMMUNICATON CENT TWIN FALLS, ID 83301 26 60 157 6TH AVE W PUBLIC WORKS MECHANIC - SEWER SHOP TWIN FALLS, ID 83301 27 61 159 WALL ST PUBLIC WORKS OFFICE TWIN FALLS, ID 83301 28 62 119 SOUTH PARK AVE W PUBLIC WORKS SHOP AND OFFICE TWIN FALLS, ID 83301 IL TO 03 04 96 Page 5 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 28 63 119 SOUTH PARK AVE W PUBLIC WORKS SHOP AND STORAGE TWIN FALLS, ID 83301 28 64 119 SOUTH PARK AVE W PUBLIC WORKS SHOP AND STORAGE TWIN FALLS, ID 83301 29 65 205 AND 207 6TH AVE W WATER SHOP TWIN FALLS, ID 83301 30 66 530 SHOSHONE ST W SENIOR CENTER BUILDING TWIN FALLS, ID 83301 31 67 SHOSHONE FALLS PARK RESTROOM 1 TWIN FALLS, ID 83301 31 68 SHOSHONE FALLS PARK RESTROOM 2 TWIN FALLS, ID 83301 31 69 SHOSHONE FALLS PARK PUMP HOUSE TWIN FALLS, ID 83301 32 70 756 LOCUST ST N SWIMMING POOL - BUILDING TWIN FALLS, ID 83301 33 71 THOMSEN PARK RESTROOMS TWIN FALLS, ID 83301 33 72 THOMSEN PARK SHELTER TWIN FALLS, ID 83301 33 73 THOMSEN PARK SHELTER TWIN FALLS, ID 83301 34 74 VISTA BONITA PARK RESTROOMS TWIN FALLS, ID 83301 35 75 556 CHAMPLIN RD WASTE TREATMENT MMBR TANK 2 TWIN FALLS, ID 83301 IL TO 03 04 96 Page 6 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 35 76 556 CHAMPLIN RD WASTE TREATMENT PERIMETER FENCING TWIN FALLS, ID 83301 35 77 556 CHAMPLIN RD WASTE TREATMENT PRE-TREATMENT EQUAL TWIN FALLS, ID 83301 35 78 556 CHAMPLIN RD WASTE TREATMENT PRE TREATMENT PLANT TWIN FALLS, ID 83301 35 79 556 CHAMPLIN RD WASTE TREATMENT GENERATOR 300 KW TWIN FALLS, ID 83301 35 80 556 CHAMPLIN RD WASTE TREATMENT HEADWORKS TWIN FALLS, ID 83301 35 81 556 CHAMPLIN RD WASTE TREATMENT MMBR TANK 2 TWIN FALLS, ID 83301 35 82 556 CHAMPLIN RD WASTE TREATMENT SLUDGE HOLDING TANK TWIN FALLS, ID 83301 35 83 556 CHAMPLIN RD PLANT CLIF BAR PROCESS BUILDING TWIN FALLS, ID 83301 36 84 350 CANYON SPRINGS RD WASTE TREATMENT OPERATIONS CENTER TWIN FALLS, ID 83301 36 85 350 CANYON SPRINGS RD WASTE TREATMENT PRIMARY INFLUENT VA TWIN FALLS, ID 83301 36 86 350 CANYON SPRINGS RD WASTE TREATMENT AERATION BASIN 1 TWIN FALLS, ID 83301 36 87 350 CANYON SPRINGS RD WASTE TREATMENT AERATION BASIN 2 TWIN FALLS, ID 83301 36 88 350 CANYON SPRINGS RD WASTE TREATMENT AERATION BASIN 3/4 TWIN FALLS, ID 83301 IL TO 03 04 96 Page 7 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 36 89 350 CANYON SPRINGS RD WASTE TREATMENT BELT PRESS BLDG NEW TWIN FALLS, ID 83301 36 90 350 CANYON SPRINGS RD WASTE TREAT BLANKET BLDG CONTENTS TWIN FALLS, ID 83301 36 91 350 CANYON SPRINGS RD WASTE TREATMENT BLOWER BUILDING TWIN FALLS, ID 83301 36 92 350 CANYON SPRINGS RD BREAK ROOM/STANDBY GENERATOR/POWER TWIN FALLS, ID 83301 36 93 350 CANYON SPRINGS RD WASTE TREATMENT CEPT BUILDING TWIN FALLS, ID 83301 36 94 350 CANYON SPRINGS RD WASTE TREATMENT DAFT TWIN FALLS, ID 83301 36 95 350 CANYON SPRINGS RD WASTE TREATMENT DEWATERING VAULT TWIN FALLS, ID 83301 36 96 350 CANYON SPRINGS RD WASTE TREATMENT DIGESTER 1 TWIN FALLS, ID 83301 36 97 350 CANYON SPRINGS RD WASTE TREATMENT DIGESTER 2 TWIN FALLS, ID 83301 36 98 350 CANYON SPRINGS RD WASTE TREATMENT DIGESTER CONTROL TWIN FALLS, ID 83301 36 99 350 CANYON SPRINGS RD WASTE TREATMENT EFFLUENT SAMPLER TWIN FALLS, ID 83301 36 100 350 CANYON SPRINGS RD WASTE TREATMENT FINAL FILTER STORAG TWIN FALLS, ID 83301 36 101 350 CANYON SPRINGS RD WASTE TREATMENT GENERATOR 1000 KW TWIN FALLS, ID 83301 IL TO 03 04 96 Page 8 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 36 102 350 CANYON SPRINGS RD WASTE TREATMENT GENERATOR 800 KW TWIN FALLS, ID 83301 36 103 350 CANYON SPRINGS RD GRAVITY BELT THICKENER BLDG TWIN FALLS, ID 83301 36 104 350 CANYON SPRINGS RD WASTE TREATMENT GRIT/PUMP BASIN TWIN FALLS, ID 83301 36 105 350 CANYON SPRINGS RD GRIT BASIN/PARSHALL FLUME 1 TWIN FALLS, ID 83301 36 106 350 CANYON SPRINGS RD WASTE TREATMENT HEADWORKS BACKUP TWIN FALLS, ID 83301 36 107 350 CANYON SPRINGS RD WASTE TREATMENT HEADWORKS NEW TWIN FALLS, ID 83301 36 108 350 CANYON SPRINGS RD WASTE TREATMENT HOLDING TANKS 1/2 TWIN FALLS, ID 83301 36 109 350 CANYON SPRINGS RD WASTE TREATMENT IFAS BASIN TWIN FALLS, ID 83301 36 110 350 CANYON SPRINGS RD WASTE TREATMENT IFAS BLOWER BLDG TWIN FALLS, ID 83301 36 111 350 CANYON SPRINGS RD WASTE TREATMENT INTERMEDIATE CLARIF TWIN FALLS, ID 83301 36 112 350 CANYON SPRINGS RD INTERMEDIATE LIFT PUMP STATION TWIN FALLS, ID 83301 36 113 350 CANYON SPRINGS RD WASTE TREATMENT JOG PUMP STATION TWIN FALLS, ID 83301 36 114 350 CANYON SPRINGS RD WASTE TREATMENT MAINT/BELT PRESS BD TWIN FALLS, ID 83301 IL TO 03 04 96 Page 9 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 36 115 350 CANYON SPRINGS RD WASTE TREATMENT MIXED LIQUOR VAULT TWIN FALLS, ID 83301 36 116 350 CANYON SPRINGS RD WASTE TREATMENT PLANT MISC EQUIP TWIN FALLS, ID 83301 36 117 350 CANYON SPRINGS RD WASTE TREATMENT PRIMARY CLARIFIER 1 TWIN FALLS, ID 83301 36 118 350 CANYON SPRINGS RD WASTE TREATMENT PRIMARY CLARIFIER 2 TWIN FALLS, ID 83301 36 119 350 CANYON SPRINGS RD PRIMARY INFLUENT VAULT 2 TWIN FALLS, ID 83301 36 120 350 CANYON SPRINGS RD PUMP STATION/PARSHALL FLUME TWIN FALLS, ID 83301 36 121 350 CANYON SPRINGS RD WASTE TREATMENT RAS PUMP STATION 1 TWIN FALLS, ID 83301 36 122 350 CANYON SPRINGS RD WASTE TREATMENT RAS PUMP STATION 2 TWIN FALLS, ID 83301 36 123 350 CANYON SPRINGS RD WASTE TREATMENT SAMPLER BUILDING TWIN FALLS, ID 83301 36 124 350 CANYON SPRINGS RD WASTE TREATMENT SECONDARY CLARIFR 1 TWIN FALLS, ID 83301 36 125 350 CANYON SPRINGS RD WASTE TREATMENT SECONDARY CLARIFR 2 TWIN FALLS, ID 83301 36 126 350 CANYON SPRINGS RD WASTE TREATMENT SECONDARY CLARIFR 3 TWIN FALLS, ID 83301 36 127 350 CANYON SPRINGS RD WASTE TREATMENT SECONDARY CLARIFR 4 TWIN FALLS, ID 83301 IL TO 03 04 96 Page 10 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 36 128 350 CANYON SPRINGS RD WASTE TREATMENT SPLITTER BOX TWIN FALLS, ID 83301 36 129 350 CANYON SPRINGS RD SUPERNATANT PUMP STATION TWIN FALLS, ID 83301 36 130 350 CANYON SPRINGS RD UV DISINFECTION BASIN TWIN FALLS, ID 83301 36 131 350 CANYON SPRINGS RD WASTE TREATMENT W3 UTILITY TWIN FALLS, ID 83301 36 132 350 CANYON SPRINGS RD WASTE TREATMENT WASTE GAS BURNER TWIN FALLS, ID 83301 36 133 350 CANYON SPRINGS RD WASTE TREATMENT WORK CENTER BLDG TWIN FALLS, ID 83301 36 134 350 CANYON SPRINGS RD WATER DEPT BOOSTER/LIFT STATION TWIN FALLS, ID 83301 37 135 CANYON SPRING RD STORAGE BUILDING TWIN FALLS, ID 83301 38 136 100 6TH AVE W STORAGE BUILDING TWIN FALLS, ID 83301 39 137 135 MAXWELL ST STORAGE BUILDING TWIN FALLS, ID 83301 40 138 139 6TH AVE W STREET DEPT STRIPING AND SIGNING SH TWIN FALLS, ID 83301 41 139 552 CHAMPLIN RD WASTE TREATMENT PRE-TREATMENT EQUAL TWIN FALLS, ID 83301 42 140 189 CANYON SPRINGS RD WATER DEPART BUILDING TWIN FALLS, ID 83301 IL TO 03 04 96 Page 11 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 43 141 702 FAIRFIELD W WATER DEPT OFFICES TWIN FALLS, ID 83301 44 142 458 VICTORY AVENUE TOWER ELECTRICAL-IT BUILDING TWIN FALLS, ID 83301 45 143 INDEPENDENT MEAT-ORCHARD DR PUMP HOUSE TWIN FALLS, ID 83301 46 144 HOLLY AVE PUMP STATION TWIN FALLS, ID 83301 47 145 SUNRISE PARK SUNRISE PARK SHELTER TWIN FALLS, ID 83301 48 146 641 OAK ST WASTE TREATMENT BLOWER BUILDING TWIN FALLS, ID 83301 48 147 641 OAK ST WASTE TREATMENT CONTROL BUILDING TWIN FALLS, ID 83301 48 148 641 OAK ST WASTE TREAT PRE TREAMNT EQUIP MISC TWIN FALLS, ID 83301 49 149 631 OAK ST WASTE TREATMENT DIGESTOR PLANT TWIN FALLS, ID 83301 50 150 MORRISON ST LIFT STATION 2 ROCK CREEK TRAIL TWIN FALLS, ID 83301 51 151 ROCK CREEK TRAIL ROCK CREEK LIFT STATION 1 TWIN FALLS, ID 83301 52 152 MORRISON ST ROCK CREEK TRAIL CAT GENTR 400 KW TWIN FALLS, ID 83301 53 153 ROCK CREEK TRAIL ROCK CREEK TRAIL GRINDER STATION TWIN FALLS, ID 83301 IL TO 03 04 96 Page 12 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 54 154 N COLLEGE RD WASTE TREATMENT SEWER LIFT STATION TWIN FALLS, ID 83301 55 155 EASTLAND AND ELDRIDGE WATER BOOSTER STATION TWIN FALLS, ID 83301 56 156 891 HARRISON ST WATER DEPT BACKUP GENERATOR 1500 KW TWIN FALLS, ID 83301 56 157 891 HARRISON ST WATER DEPT HARRISON BLENDING BLDG TWIN FALLS, ID 83301 57 158 BLUE LAKES WATER DEPT BLUE LAKES PUMP STATION JEROME, ID 83338 58 159 BLUE LAKES GRADE WATER DEPT BLUE LAKES WELL SITE TWIN FALLS, ID 83301 59 160 WASHINGTON ST S AND 3600 WATER DEPT EAST RESERVOIR 5M GALLON TWIN FALLS, ID 83301 60 161 2983 MARIA AVE WATER DEPT HANKINS RESERVOIR 2M GAL TWIN FALLS, ID 83301 60 162 2983 MARIA AVE WATER DEPT HANKINS WELL 1/BOOSTER TWIN FALLS, ID 83301 60 163 2983 MARIA AVE WATER DEPT WATER RESERVOIR 5M GAL TWIN FALLS, ID 83301 61 164 367 HANKINS RD WATER DEPT HANKINS WELL HOUSE 2 TWIN FALLS, ID 83301 62 165 FALLS AND HARRISON WATER DEPT HANKINS RESERVOIR 5M GAL TWIN FALLS, ID 83301 63 166 889 HARRISON ST HARRISON WELL/BOOSTER OFFICE TWIN FALLS, ID 83301 IL TO 03 04 96 Page 13 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 64 167 CANYON SPRINGS RD PIPE BRIDGE ACROSS SNAKE RIVER TWIN FALLS, ID 83301 65 168 1692 WASHINGTON ST S WATER DEPT WELL HOUSE TWIN FALLS, ID 83301 66 169 2375 E 3600 N WATER DEPT WELL HOUSE 4 TWIN FALLS, ID 83301 67 170 WASHINGTON ST S AND 3600 WATER DEPT WEST RESERVOIR 5M GAL TWIN FALLS, ID 83301 68 171 3603 N 2900 E WATER DEPT WILL BOOSTER OLD TWIN FALLS, ID 83301 68 172 3603 N 2900 E WATER DEPT WILL BOOSTER BUILDING TWIN FALLS, ID 83301 69 173 TOWER 100' AND TELECOM EQUIPMENT TOWER 100' AND TELECOM EQUIPMENT TWIN FALLS, ID 83301 70 174 TOWER 90' MONOPOLE AND EQUIPMENT TOWER 90' MONOPOLE AND EQUIPMENT TWIN FALLS, ID 83301 71 175 TOWER 100' MONOPOLE AND EQUIPMENT TOWER 100' MONOPOLE AND EQUIPMENT TWIN FALLS, ID 83301 72 176 TOWER 135' MONOPOLE AND EQUIPMENT TOWER 135' MONOPOLE AND EQUIPMENT TWIN FALLS, ID 83301 73 177 TOWER 125' MONOPOLE AND EQUIPMENT TOWER 125' MONOPOLE AND EQUIPMENT TWIN FALLS, ID 83301 74 178 CANYON RIM TRAIL SYSTEM CANYON RIM TRAIL SYSTEM TWIN FALLS, ID 83301 75 179 HARRISON STREET AND BORAH AVE HARRISON PARK PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 IL TO 03 04 96 Page 14 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 76 180 FRONTIER ROAD AND FALLS AVE FRONTIER FIELD PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 77 181 END OF DIEKES RD DOCKS AT DIERKES LAKE TWIN FALLS, ID 83301 78 182 END OF DIEKES RD DIERKES LAKE PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 79 183 1900 STADIUM BLD CASCADE PARK PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 80 184 4TH AVE W AND BORAH AVE W HARRY BARRY PARK PLAYGROUND EQUIPME TWIN FALLS, ID 83301 81 185 GALLUP DR AND DOVER IN THOMSEN PARK PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 82 186 CALIENTE AVE AND EL CAMINO AVE VISTA BONITA PARK PLAYGROUND EQUIP TWIN FALLS, ID 83301 83 187 END OF DIEKES RD DIERKES LAKE PARK WOOD FENCING TWIN FALLS, ID 83301 84 188 MADRONA S ST AND HARMON PARK AVE HARMON PARK PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 85 189 MADRONA S ST AND HARMON PARK AVE HIGHLAND PARK PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 86 190 WASHINGTON ST AND 6TH ST W DRURY PARK PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 87 191 420 VICTORY AVE. , SEE IL T8 02 TWIN FALLS, ID 83301 88 192 214 CHENEY DRIVE FIRE STATION #2 TWIN FALLS, ID 83301 IL TO 03 04 96 Page 15 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 89 193 1025 WASHINGTON STREET S FIRE STATION #2 TWIN FALLS, ID 83301 90 194 452 AIRPORT LOOP TFPD BOMB SQUAD OFFICE TWIN FALLS, ID 83301 91 195 2015 NIELSEN POINT PLACE IB PERRINE MEMORIAL BRONZE STATUE TWIN FALLS, ID 83301 92 196 JOSLIN FIELD 5 CODE GATES - FENCING TWIN FALLS, ID 83301 93 197 JOSLIN FIELD RUNWAY LIGHTING TWIN FALLS, ID 83301 94 198 VARIOUS LOCATIONS BENCHES TWIN FALLS, ID 83301 95 199 VARIOUS LOCATIONS FIRE HYDRANTS TWIN FALLS, ID 83301 96 200 VARIOUS LOCATIONS BRONZE READING STATUE TWIN FALLS, ID 83301 97 201 VARIOUS LOCATIONS BENCHES TWIN FALLS, ID 83301 98 202 VARIOUS LOCATIONS PICNIC TABLES TWIN FALLS, ID 83301 99 203 756 LOCUST ST N SWIMMING POOL BUBBLE TWIN FALLS, ID 83301 100 204 CITY PARK PLAYGROUND EQUIPMENT TWIN FALLS, ID 83301 101 205 CITY PARK ART SCULPTURE TWIN FALLS, ID 83301 IL TO 03 04 96 Page 16 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 102 206 HARMON PARK SCORE BOARDS TWIN FALLS, ID 83301 103 207 DOWNTOWN ART SCULPTURE TWIN FALLS, ID 83301 104 208 DIERKES LAKE PICNIC SHELTERS TWIN FALLS, ID 83301 105 209 VARIOUS LOCATIONS FENCING TWIN FALLS, ID 83301 106 210 VARIOUS LOCATIONS BLEACHERS TWIN FALLS, ID 83301 107 211 CANYON PARK TRAIL OVERLOOK AND SEATING TWIN FALLS, ID 83301 108 212 CANYON PARK TRAIL GARBAGE CONTAINERS TWIN FALLS, ID 83301 109 213 HARMON PARK POLES AND LIGHTING TWIN FALLS, ID 83301 110 214 PERRINE BRIDGE TRAIL VIEW TWINS SCULPTURE BY DAVID CLEMONS TWIN FALLS, ID 83301 111 215 PERRINE BRIDGE TRAIL VIEW PERRINE BRIDGE OVERLOOK STRUCTURE TWIN FALLS, ID 83301 112 216 DOWNTOWN COMMONS FOUNTAIN AND MECH TWIN FALLS, ID 83301 113 217 DOWNTOWN COMMONS JOHN HAYES STATUE TWIN FALLS, ID 83301 114 218 VARIOUS LOCATIONS TRAFFIC SIGNAL AND BOX TWIN FALLS, ID 83301 IL TO 03 04 96 Page 17 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 115 219 VARIOUS LOCATIONS 14 FOOT LIGHT POLES TWIN FALLS, ID 83301 116 220 VARIOUS LOCATIONS 10 FOOT LIGHT POLES TWIN FALLS, ID 83301 117 221 VARIOUS LOCATIONS LIGHT POLE ARMS TWIN FALLS, ID 83301 118 222 VARIOUS LOCATIONS LIGHTED BALLARDS TWIN FALLS, ID 83301 119 223 VARIOUS LOCATIONS PARKING METERS TWIN FALLS, ID 83301 120 224 US HWY 30 AND 3200 EAST TRAFFIC SIGNAL TWIN FALLS, ID 83301 121 225 FALLS AND QUINCY TRAFFIC SIGNAL TWIN FALLS, ID 83301 122 226 WASHINGTON AND NORTH COLL TRAFFIC SIGNAL TWIN FALLS, ID 83301 123 227 CHENEY DR AND WASHINGTON TRAFFIC SIGNAL TWIN FALLS, ID 83301 124 228 WASHINGTON S AND ORCHARD TRAFFIC SIGNAL TWIN FALLS, ID 83301 125 229 2ND AVE EAST BICKEL ELEM BEACON TWIN FALLS, ID 83301 126 230 BLUE LAKES BLVD BICKEL ELEM BEACON TWIN FALLS, ID 83301 127 231 EASTLAND DR O'LEARY JR HIGH BEACON TWIN FALLS, ID 83301 IL TO 03 04 96 Page 18 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 128 232 EASTLAND DR O'LEARY JR HIGH BEACON TWIN FALLS, ID 83301 129 233 PARK AVE OREGON TRAIL ELEM BEACON TWIN FALLS, ID 83301 130 234 LOCUST ST TWIN FALLS HIGH BEACON TWIN FALLS, ID 83301 131 235 2ND AVE N LINCOLN ELEM BEACON TWIN FALLS, ID 83301 132 236 MORNINGSIDE DRIVE BEACON TWIN FALLS, ID 83301 133 237 LINCOLN ANTIQUE STREET LIGHTS TWIN FALLS, ID 83301 134 238 CASWELL AND WASHINGTON CROSSWALK SIGNAL TWIN FALLS, ID 83301 135 239 FALLS AND MADRONA TRAFFIC SIGNAL TWIN FALLS, ID 83301 136 240 VARIOUS LOCATIONS PED PUSH BUTTON FLASHER SIGNS TWIN FALLS, ID 83301 137 241 RV DUMP RV DUMP TWIN FALLS, ID 83301 138 242 LIFT PUMP STATION #1 LIFT PUMP STATION #1 TWIN FALLS, ID 83301 139 243 LIFT PUMP STATION #2 LIFT PUMP STATION #2 TWIN FALLS, ID 83301 140 244 LIFT PUMP STATION #3 LIFT PUMP STATION #3 TWIN FALLS, ID 83301 IL TO 03 04 96 Page 19 LOCATION SCHEDULE POLICY NUMBER: H-630-8W781959-TIL-24 This Schedule of Locations and Buildings applies to the Common Policy Declarations for the period 10-01-24 to 10-01-25 . Loc. Bldg. No. No. Address Occupancy 141 245 LIFT PUMP STATION #4 LIFT PUMP STATION #4 TWIN FALLS, ID 83301 142 246 LIFT PUMP STATION #5 LIFT PUMP STATION #5 TWIN FALLS, ID 83301 143 247 LIFT PUMP STATION #6 LIFT PUMP STATION #6 TWIN FALLS, ID 83301 144 248 CONCRETE WEIR CONCRETE WEIR TWIN FALLS, ID 83301 145 249 WATER PIPE BLUE LAKES WATER PIPE BLUE LAKES TWIN FALLS, ID 83301 IL TO 03 04 96 Page 20 (END) POLICY NUMBER: H-630-8W781959-TIL-24 GENERAL PURPOSE ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDING IL TO 03 04 96 - LOCATION SCHEDULE (IL T8 02) THIS ENDORSEMENT MODIFIES INSURANCE PROVIDED UNDER THE FOLLOWING: COMMON POLICY DECLARATION THIS SCHEDULE OF LOCATIONS AND BUILDINGS APPLIES TO THE COMMON POILCY DECLARATIONS LOC. BLDG OCCUPANCY NO. NO. 87 191 JIM BIERI REGIONAL FIRE TRAINING CENTER FIRE TRAINING TOWER IL T8 02 Page 1 DELUXE PROPERTY DELUXE PROPERTY IA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 DELUXE PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 PART DECLARATIONS ISSUE DATE: 10-10-24 INSURING COMPANY: TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA EFFECTIVE DATE: Same as policy unless otherwise specified: DELUXE PROPERTY COVERAGE FORM COVERAGES AND LIMITS OF INSURANCE - DESCRIBED PREMISES Insurance applies on a BLANKET basis only to a coverage or type of property for which a Limit of Insurance is shown below, and then only at the premises locations for which a value for such coverage or property is shown on the Statement of Values dated 08/28/24, or subsequently reported to and insured by us. For Insurance that applies to a specific premises location see Deluxe Property Coverage Part Schedule - Specific Limits. Blanket Description of Coverage or Property Limits of Insurance Building(s) and Your Business Personal Property $ 231,845,078 COINSURANCE PROVISION: Coinsurance does not apply to the Blanket coverages as shown above. VALUATION PROVISION: Replacement cost (subject to limitations) applies to most types of covered property (See Valuation Loss Condition in DX T1 00) . ADDITIONAL COVERED PROPERTY Limits of Insurance Personal Property at Undescribed Premises: At any "exhibition" premises $ 25,000 At any installation premises or temporary storage premises $ 25,000 At any other not owned, leased or regularly operated premises $ 25,000 Sales Representative Property: $ 25,000 Personal Property in Transit: $ 25,000 DX TO 00 11 12 PRODUCER: HUB INTERNATIONAL VE589 OFFICE:SAN ANTONIO-EAST 24T IA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 DELUXE PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 PART DECLARATIONS ISSUE DATE: 10-10-24 DELUXE PROPERTY COVERAGE FORM - ADDITIONAL COVERAGES & COVERAGE EXTENSIONS The Limits of Insurance shown in the left column are included in the coverage form and apply unless a Revised Limit of Insurance or Not Covered is shown in the Revised Limits of Insurance column on the right. The Limits of Insurance apply in any one occurrence unless otherwise stated. Limits of Revised Limits Insurance of Insurance Accounts Receivable At all described premises $ 50,000 $ 1,000,000 In transit or at all undescribed premises $ 25,000 $ 1,000,000 Appurtenant Buildings and Structures $ 100,000 Claim Data Expense $ 25,000 Covered Leasehold Interest - Undamaged Improvements & Betterments Lesser of Your Business Personal Property limit or: $ 100,000 Debris Removal (additional amount) $ 250,000 $ 1,000,000 Deferred Payments $ 25,000 Duplicate Electronic Data Processing Data and Media $ 50,000 Electronic Data Processing Data and Media At all described premises $ 50,000 $ 500,000 Employee Tools In any one occurrence $ 25,000 Any one item $ 2,500 Expediting Expenses $ 25,000 Extra Expense $ 25,000 Fine Arts At all described premises $ 50,000 $ 1,000,000 In transit $ 25,000 $ 250,000 Fire Department Service Charge Included* Fire Protective Equipment Discharge Included* Green Building Alternatives - Increased Cost Percentage 1 % Maximum amount - each building $ 100,000 Green Building Reengineering and Recertification Expense $ 25,000 Limited Coverage for Fungus, Wet Rot or Dry Rot - Annual Aggregate $ 25,000 Loss of Master Key $ 25,000 Newly Constructed or Acquired Property: Building - each $ 2,000,000 Personal Property at each premises $ 1,000,000 Non-Owned Detached Trailers $ 25,000 Ordinance or Law Coverage $ 250,000 DX TO 00 11 12 PRODUCER: HUB INTERNATIONAL VE589 OFFICE:SAN ANTONIO-EAST 24T IA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 DELUXE PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 PART DECLARATIONS ISSUE DATE: 10-10-24 DELUXE PROPERTY COVERAGE FORM - ADDITIONAL COVERAGES & COVERAGE EXTENSIONS (continued) Limits of Revised Limits Insurance of Insurance Outdoor Property $ 25,000 Any one tree, shrub or plant $ 2,500 Outside Signs At all described premises $ 100,000 At all undescribed premises $ 5,000 Personal Effects $ 25,000 Personal Property At Premises Outside of the Coverage Territory $ 50,000 Personal Property In Transit Outside of the Coverage Territory $ 25,000 Pollutant Cleanup and Removal - Annual Aggregate $ 100,000 Preservation of Property Expenses to move and temporarily store property $ 250,000 Direct loss or damage to moved property Included* Reward Coverage 25% of covered loss up to maximum of: $ 25,000 Stored Water $ 25,000 Theft Damage to Rented Property Included* Undamaged Parts of Stock In Process $ 50,000 Valuable Papers and Records - Cost of Research At all described premises $ 50,000 $ 1,000,000 In transit or at all undescribed premises $ 25,000 $ 1,000,000 Water or Other Substance Loss - Tear Out and Replacement Expense Included* *Included means included in applicable Covered Property Limit of Insurance DELUXE BUSINESS INCOME(AND EXTRA EXPENSE) COVERAGE FORM - DESCRIBED PREMISES Premises Building Limits of Location No. No. Insurance 001-145 001-249 $ 1,000,000 Rental Value: Included Ordinary Payroll: Included DX TO 00 11 12 PRODUCER: HUB INTERNATIONAL VE589 OFFICE:SAN ANTONIO-EAST 24T IA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 DELUXE PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 PART DECLARATIONS ISSUE DATE: 10-10-24 DELUXE BUSINESS INCOME - ADDITIONAL COVERAGES AND COVERAGE EXTENSIONS The Limits of Insurance, Coverage Period and Coverage Radius shown in the left column are included in the coverage form and apply unless a revised Limit of Insurance, Coverage Period, Coverage Radius or Not Covered is shown under the column on the right. The Limits of Insurance apply in any one occurrence unless otherwise stated. Limits of Revised Limits of Insurance,Coverage Insurance,Coverage Period or Coverage Period or Coverage Radius Radius Business Income From Dependent Property At Premises Within the Coverage Territory $ 100,000 $ 250,000 At Premises Outside of the Coverage Territory $ 100,000 Civil Authority Coverage Period 30 days Coverage Radius 100 miles Claim Data Expense $ 25,000 Contract Penalties $ 25,000 Extended Business Income Coverage Period 180 days Fungus, Wet Rot or Dry Rot - Amended Period of Restoration Coverage Period 30 days Green Building Alternatives - Increased Period of Restoration Coverage Period 30 days Ingress or Egress $ 25,000 Coverage Radius 1 mile Newly Acquired Locations $ 500,000 Ordinance or Law - Increased Period of Restoration $ 250,000 Pollutant Cleanup and Removal - Annual Aggregate $ 25,000 Transit Business Income $ 25,000 Undescribed Premises $ 25,000 DX TO 00 11 12 PRODUCER: HUB INTERNATIONAL VE589 OFFICE:SAN ANTONIO-EAST 24T IA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 DELUXE PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 PART DECLARATIONS ISSUE DATE: 10-10-24 CAUSES OF LOSS - EARTHQUAKE - aggregate in any one policy year, for all losses covered under the Causes of Loss - Earthquake endorsement, commencing with the inception date of this policy: Annual Aggregate Limit 1. Applies at the following Building(s) numbered: 001-177,194 $ 5,000,000 If more than one Annual Aggregate Limit applies in any one occurrence, the most we will pay is the highest involved Annual Aggregate Limit. The most we will pay during each annual period is the highest of the Annual Aggregate Limits shown. CAUSES OF LOSS - BROAD FORM FLOOD - aggregate in any one policy year, for all losses covered under the Causes of Loss - Broad Form Flood endorsement, commencing with the inception date of this policy: Annual Aggregate Limit 1. Applies at the following Building(s) numbered: 001-006,014,015,017-019,042-053,056-070, 074-134,136-138,140-143,146-149,156,157, 166,168 $ 5,000,000 If more than one Annual Aggregate Limit applies in any one occurrence, the most we will pay is the highest involved Annual Aggregate Limit. The most we will pay during each annual period is the highest of the Annual Aggregate Limits shown. EXCESS OF LOSS LIMITATION APPLIES - See Causes of Loss - Broad Form Flood endorsement. UTILITY SERVICES Limits of Insurance Direct Damage - in any one occurrence: (See Utility Services - Direct Damage endorsement) $ 50,000 Time Element - in any one occurrence: (See Utility Services - Time Element endorsement) $ 50,000 DX TO 00 11 12 PRODUCER: HUB INTERNATIONAL VE589 OFFICE:SAN ANTONIO-EAST 24T IA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 DELUXE PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 PART DECLARATIONS ISSUE DATE: 10-10-24 UTILITY SERVICES (continued) Coverage is provided for the following: Water Supply Communication Supply Power Supply Coverage for Overhead Transmission Lines is: excluded. DEDUCTIBLES: BY EARTHQUAKE: 1. In any one occurrence, at the following Building(s) numbered: 001-177,194 $ 25,000 As respects Business Income Coverage a 72 hour deductible applies at all premises locations. BY "FLOOD" : 1. At the premises location(s) of the following Building(s) numbered: 001-006,014,015,017-019,042-053,056-070,074-134,136-138, 140-143,146-149,156,157,166,168 in any one occurrence $ 25,000 As respects Business Income Coverage a 72 hour deductible applies at all premises locations. TO UTILITY SERVICES: Time Element, in any one occurrence: 72 Hours DX TO 00 11 12 PRODUCER: HUB INTERNATIONAL VE589 OFFICE:SAN ANTONIO-EAST 24T IA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 DELUXE PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 PART DECLARATIONS ISSUE DATE: 10-10-24 DEDUCTIBLES: (continued) TO DXT446 - LAW ENFORCEMENT ANIMALS, in any one occurrence: $ 2,500 BUSINESS INCOME: As respects Business Income Coverage, for which no other deductible is stated above or in the coverage description, a 72 hour deductible applies. ANY OTHER COVERED LOSS in any one occurrence: $ 10,000 DX TO 00 11 12 PRODUCER: HUB INTERNATIONAL VE589 OFFICE:SAN ANTONIO-EAST 24T TABLE OF CONTENTS DELUXE PROPERTY COVERAGE PART The following indicates the contents of the principal Forms which may be attached to your policy. It contains no reference to the Declarations or Endorsements which also may be attached. Begins on DELUXE PROPERTY COVERAGE FORM Page A. Coverage 1 B. Covered Causes of Loss 18 C. Exclusions 18 D. Limitations 26 E. Limits of Insurance 27 F. Deductible 28 G. Loss Conditions 28 H. Additional Conditions 34 I. Optional Coverages 35 J. Definitions 36 DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM A. Coverage 1 B. Exclusions and Limitation 8 C. Limits of Insurance 9 D. Deductible 9 E. Loss Conditions 10 F. Optional Coverages 11 G. Definitions 12 DELUXE BUSINESS INCOME (WITHOUT EXTRA EXPENSE) COVERAGE FORM A. Coverage 1 B. Exclusions and Limitation 7 C. Limits of Insurance 8 D. Deductible 8 E. Loss Conditions 9 F. Optional Coverages 10 G. Definitions 10 DELUXE EXTRA EXPENSE COVERAGE FORM A. Coverage 1 B. Exclusions 6 C. Limits of Insurance 6 D. Loss Conditions 6 E. Optional Coverages 7 F. Definitions 8 DX 00 04 11 12 ©2011 The Travelers Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission DELUXE PROPERTY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. REFER TO SECTION J. —DEFI- NITIONS. A. COVERAGE (h) Building systems and equipment We will pay for direct physical loss of or damage including alarm, communication, to Covered Property caused by or resulting from a security and monitoring devices; Covered Cause of Loss. and 1. Covered Property (7) If not covered by other insurance: Covered Property, as used in this Coverage (a) Additions under construction, al- Part, means each of the following types of terations and repairs to the build- property described in this Section A.1., and ing or structure; and limited in Section A.2., Property and Costs (b) Materials, equipment, supplies Not Covered, if a Limit of Insurance is shown and temporary structures, on or in the Declarations for that type of property. within 1,000 feet of the described a. Building(s), meaning the designated premises, used for making addi- building or structure at the premises de- tions, alterations or repairs to the scribed in the Declarations, including: buildings or structures. (1) Completed additions; b. Your Business Personal Property lo- cated(2) Fixtures, including outdoor fixtures; in or on the designated building or structure at the premises described in the (3) Foundations; Declarations or in the open (or in a vehi- (4) Glass that is a part of the building or cle) within 1,000 feet of the described structure; premises, consisting of the following unless otherwise specified in the Declara- (5) Machinery and equipment perma- tions: nently attached to the building or (1) Furniture and fixtures; structure; (6) Personal property owned by you that (2) Machinery and equipment (including is used to maintain or service the "electronic data processing equip- building or structure or its premises, ment"); including: (3) "Stock"; (a) Fire extinguishing equipment; (4) All other personal property owned by (b) Outdoor furniture; you and used in your busines s; (c) Floor coverings; (5) Labor, materials or services furnished or arranged by you on personal prop- (d) Lobby and hallway furnishings erty of others; owned by you; (6) Your use interest as tenant in im- (e) Appliances used for refrigerating, provements and betterments. Im- ventilating, cooking, dishwashing provements and betterments are fix- or laundering; tures, alterations, installations or ad- (f) Lawn maintenance and snow re- ditions: moval equipment; (a) Made a part of the building or (g) Heating, air conditioning and ven- structure you occupy or lease but tilation equipment; and do not own; and DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (b) You acquired or made at your (c) The installation is abandoned by expense, but cannot legally re- you; move; (d) The property is more specifically (7) Leased personal property for which insured; or you have a contractual responsibility (e) This policy is cancelled or ex- to insure, unless otherwise insured pires,whichever occurs first; or under Personal Property of Others; and (3) Is temporarily at any other premises (8) Building glass that is not a tenant im- not described in the Declarations, provement and betterment but which, which you do not own, lease or regu- as a tenant, you are contractually re- larly operate. quired to insure under a written lease Coverage does not include Sales Repre- agreement. sentative Property as defined in Para- c. Personal Property of Others meaning graph A.M. below. others' personal property in your care, e. Personal Property in Transit as follows: custody, or control that is located in or on (1) This coverage for Personal Property the designated building or structure at the in Transit applies to: premises described in the Declarations or in the open (or in a vehicle) within 1,000 (a) Your Business Personal Prop- feet of the described premises. erty; and However, our payment for loss of or (b) Personal Property of Others; damage to Personal Property of Others away from the described premises will only be for the account of the owner while in transit between points within of the property. the Coverage Territory. d. Personal Property At Undescribed (2) Unless a mode of transportation or Premises meaning Your Business Per- type of shipment is specifically ex- sonal Property and Personal Property of cluded in the Declarations or by en- Others in your care, custody or control dorsement, this coverage applies to that: property in transit being shipped by (1) Is at "exhibition" premises located any type of carrier or vehicle. worldwide including while in transit to (3) This coverage applies from the time and from the "exhibition" premises the property leaves the premises provided that no trade sanction, em- where the shipment begins until the bargo or similar regulation imposed shipment arrives at its final destina- by the United States of America pro- tion. If the property is not delivered, hibits us from covering the loss or we cover the return of the property to damage; you, including while the property is (2) Is at installation premises or tempo- temporarily held by the receiver or rary storage premises while awaiting the carrier while awaiting return installation that you do not own, lea se shipment to you. or regularly operate. This coverage (4) Subject to the Limit of Insurance that applies only to such property that will applies to the Personal Property in or has become a permanent part of Transit coverage, we will also pay for: an installation project being per- (a) Any general average or salvage formed for others by you or on your charges you incur as respects behalf. This coverage will end when losses to covered waterborne any of the following first occurs: shipments; (a) Your interest in the property (b) Your interest in covered ship- ceases; ments sold Free On Board if you (b) The installation is accepted by cannot collect payment for the the customer; loss or damage from the con- signee; and Page 2 of 38 C 2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (c) Loss of or damage to Covered d. Automobiles, motorcycles, motor trucks, Property resulting from the unin- motor homes and similar vehicles held for tentional acceptance of any sale, lease, loan or rent; fraudulent Bill of Lading, order or e. Bulkheads, pilings, piers, wharves, docks, shipping receipt by you, your em- dikes or dams; ployees or authorized representa- f. Contraband or property in the course of il- tives or by your agent, customer or consignee from anyone repre- senting themselves to be the g. "Electronic data processing data and me- proper person to receive goods dia" that is obsolete or no longer used by for shipment or accept goods for you; delivery. h. "Employee tools" except as provided in (5) This coverage does not apply to: the Employee Tools Coverage Extension; (a) Accounts receivable; i. Export and import shipments while cov- (b) "Employee tools"; ered under an ocean marine cargo or other insurance policy; (c) "Fine arts"; j. "Fine arts", except as provided in the (d) Sales representative property; Personal Effects and Fine Arts Coverage (e) Personal property in transit to or Extensions; from an "exhibition" site; or k. Harvested grain, hay, straw or other (f) "Valuable papers and records". crops while outside of buildings, growing f. Sales Representative Property meaning crops or standing timber; goods or merchandise which are Your I. Human body parts and fluids including Business Personal Property and Personal organs, tissue, blood and cells; Property of Others in the custody of inde- m. Land, whether in its natural state or oth- pendent contractors whom you authorize erwise (including land on which the prop- to sell such goods or merchandise. This erty is located), land improvements or the coverage applies worldwide while the cost of restoring or stabilizing land; property is: n. Personal property sold by you under an (1) At any premises away from the de- installment plan, conditional sale, trust scribed premises; or agreement or other deferred payment (2) In transit, plan after delivery to the purchasers ex- provided that no trade sanction, embargo cept as provided in the Deferred Pay- or similar regulation imposed by the ments Coverage Extension; United States of America prohibits us o. Property of others for which you are re- from covering the loss or damage. sponsible while acting as a common or 2. Property and Costs Not Covered contract carrier, car-loader, freight for- warder, freight consolidator, freight bro- Unless the following property is added by en- ker, shipping association or similar ar- dorsement to this Coverage Form, Covered ranger of transportation, or as a public Property does not include: warehouseman; a. Accounts, bills, currency, food stamps or p. Property that is covered under another other evidences of debt, money, notes, coverage form or endorsement of this or checks, drafts or securities except as any other policy in which it is more spe- provided in the Accounts Receivable cifically described, except for the excess Coverage Extension. Lottery tickets held of the amount due (whether you can col- for sale are not securities, lect on it or not)from that other insurance; b. Aircraft or watercraft; q. Property while waterborne except while in c. Animals; transit by inland water carriers or by coastwise vessels operating within "terri- torial waters"; DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 3 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. r. Shipments by a government postal ser- (b) Vehicles or self-propelled ma- vice except by registered mail; chines you hold for sale, lease, s. The cost of excavations, grading, backfill- loan or rent other than those ex- ing or filling. This does not apply to costs cluded under A.2.d. above; or necessarily incurred to repair or replace (c) Trailers and Semi-trailers to the covered loss or damage to Covered extent covered under the Non- Property, but any costs associated with Owned Detached Trailers Cover- land stabilization and land reconstruction age Extension; are excluded; x. Water, whether in its natural state or oth- t. The cost to research, replace or restore erwise, and whether above or below the information on "valuable papers and ground or the cost of reclaiming or restor- records" and "electronic data processing ing water. data and media", except as provided in But this does not apply to: the Valuable Papers and Records — Cost (1) Water contained in storage tanks of Research and Electronic Data Proc- essing Data and Media Coverage Exten- used in your manufacturing or proc- sions; essing operations as specifically in- sured under the Stored Water Addi- u. The following property while outside of tional Coverage; or buildings: (2) Bottled water. (1) Bridges, roadways, walks, patios, or 3. Additional Coverages other paved surfaces; (2) Artificial turf and associated under- Each of the following Additional Coverages layment; applies subject to the Limit(s) of Insurance stated in this Coverage Form unless a revised (3) Retaining walls that are not part of a Limit of Insurance or Not Covered is indicated building; in the Declarations or the coverage is other- (4) Fences; wise amended by endorsement: (5) Trees, shrubs, plants or lawns (in- a. Debris Removal cluding fairways, greens and tees), (1) We will pay your expense to remove but not including vegetative roofs on debris of Covered Property, and other Covered Buildings nor "stock" of debris that is on the described prem- trees, shrubs or plants; ises, when such debris is caused by except as provided in the Outdoor Prop- or results from a Covered Cause of erty Coverage Extension. Loss that occurs during the policy pe- v. The following underground property: riod. The expenses will be paid only if they are reported to us in writing (1) Wires; within 180 days of the date of direct (2) Pipes,flues and drains; physical loss or damage. (3) Tanks (including their contents); This Additional Coverage does not (4) Tunnels (whether or not connected to apply to costs to: buildings); (a) Remove debris of property you (5) Mines or mining property; own that is not insured under this policy, or property of others in w. Vehicles or self-propelled machines that: your care, custody or control that (1) Are licensed for use on public roads; is not Covered Property; or (b) Remove debris of property (2) Are operated principally away from owned by or leased to the land- the described premises; lord of the building where your But this does not apply to: described premises are located, unless you have a contractual re- (a) Vehicles, self-propelled machines sponsibility to insure such prop- or autos you manufacture, proc- erty and it is insured under this ess or warehouse; policy; Page 4 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (c) Remove debris of any outdoor age) is $25,000. This is additional in- property of a type described in surance. the Outdoor Property Coverage b. Expediting Expenses Extension, whether the property is your property or the property of In the event of covered loss or damage to others; Covered Property, we will pay for the rea- sonable and necessary additional ex- (d) Remove any property that is in- penses you incur to make temporary re- cluded under Section A.2. Prop- pairs to, or expedite the permanent re- pairs or replacement of the Covered (e) Remove property of others of a Property at the premises sustaining loss type that is not Covered Property or damage. Expediting expenses include under this Coverage Form; overtime wages and the extra cost of ex- (f) Extract "pollutants" from land or press or other rapid means of transporta- water; or tion. Expediting expenses do not include (g) Remove, restore or replace pol- expenses you incur for the temporary luted land or water. rental of property or temporary replace- ment of damaged property. (2) The most we will pay under this Addi- The most we will pay in any one occur- tional Coverage for your expense to rence under this Additional Coverage is remove the debris of Covered Prop- $25,000. erty is 25% of: c. Fire Department Service Charge (a) The amount we pay for the direct physical loss of or damage to When the fire department is called to Covered Property; plus save or protect Covered Property from a (b) The deductible in this Coverage Covered Cause of Loss, we will pay for your liability for fire department service Part applicable to that loss or charges: damage. (1) Assumed by contract or agreement Except as provided in Paragraph (3) prior to loss; or below, this payment for your expense to remove the debris of Covered (2) Required by local ordinance. Property is included within the appli- No deductible applies to this Additional cable Covered Property Limit of In- Coverage. surance. d. Fire Protective Equipment Discharge (3) If: If fire protective equipment at the de- (a) Your expense to remove debris scribed premises discharges accidentally of Covered Property exceeds the or to control a Covered Cause of Loss, above 25% limitation, or we will pay your cost to: (b) The sum of the amount we pay (1) Refill or recharge the system with the for loss of or damage to Covered extinguishing agents that were dis- Property and the expense for re- charged; and moval of its debris exceeds the (2) Replace or repair faulty valves or applicable Limit of Insurance; controls which caused the discharge. we will pay an additional amount for e. Green Building Alternatives — In- your expense to remove the debris of creased Cost Covered Property, up to $250,000 in any one occurrence. (1) If direct physical loss or damage by a Covered Cause of Loss occurs to a (4) The most we will pay in any one oc- building that is Covered Property, we currence under this Additional Cover- will pay for: age for your expense to remove the debris of any property that is not (a) The reasonable additional cost Covered Property (if such removal is you incur to repair or replace the covered under this Additional Cover- lost or damaged portions of the DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 5 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. building using products or mate- on file with us prior to the loss rials that: or damage. (i) Are "green" alternatives to Unless otherwise stated in the Decla- the products or materials of rations, this resultant amount is sub- the lost or damaged property, ject to a maximum amount of insur- in accordance with a docu- ance of$100,000 for each building. mented "green authority"; f. Green Building Reengineering and Re- and certification Expense (i i) Are otherwise of comparable (1) If, as a result of direct physical loss or quality and function to the damage by a Covered Cause of Loss damaged property; to a building that is Covered Property, and the pre-loss level of "green" building (b) The reasonable additional cost certification by a "Green Authority" on you incur to employ "green" the building is lost, we will pay for the methods or processes of con- following reasonable additional ex- struction, disposal or recycling in penses you incur to re-attain the pre- the course of the repair and re- loss level of "green" building certifica- placement of the lost or damaged tion from that "Green Authority": building, in accordance with the documented standards of a (a) The reasonable additional ex- "green authority". pense you incur to hire a qualified engineer or other professional (2) The insurance provided under this required by the "Green Authority" Additional Coverage applies only if to be involved in: replacement cost valuation applies to the lost or damaged building and then (i) Designing, overseeing or only if the building is actually repaired documenting the repair or re- or replaced as soon as reasonably placement of the lost or dam- possible after the loss or damage. aged building; or (3) The insurance provided under this (i i) Testing and recalibrating the Additional Coverage does not apply systems and mechanicals of to any building that has been "vacant" the lost or damaged building for more than 60 consecutive days to verify that the systems and before the loss or damage occurs. mechanicals are performing (4) The most we will pay for the addi- in accordance with the design tional cost incurred with respect to of such systems and me- each building in any one occurrence chanicals or the specifica- under this Additional Coverage is de- tions of the manufacturer; termined by multiplying: and (a) A factor of 1% (unless a higher (b) The reasonable registration and increased cost percentage is recertification fees charged by shown in the Declarations);times the "Green Authority". (b) The lesser of: (2) This Additional Coverage applies to (i) The amount we would other- the additional expenses described wise pay for direct physical above that you incur to achieve the loss of or damage to the pre-loss level of "green" building certi- building, prior to application fication in accordance with the stan- of any applicable deductible; dards of the "Green Authority" that or exist at the time of repair or replace- (i i) The value you reported to us ment, even if the standards have for the building, as stated on changed since the original certifica- the latest Statement of Val- tion was achieved. ues or other documentation Page 6 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (3) The most we will pay in any one oc- (3) The most we will pay for the total of currence under this Additional Cover- all loss or damage under this Addi- age for: tional Coverage arising out of all oc- (a) All expenses incurred with re- currences of "specified causes of spect to each building is 5% of loss" (other than fire or lightning) oc- the sum of: curring during each separate 12 (i) The amount we pay for the month period of this policy beginning with the effective date of this policy is direct physical loss of or $25,000. damage to the building, in- cluding any amount paid un- (4) The coverage provided under this der the Green Building Alter- Additional Coverage does not in- natives — Increased Cost Ad- crease the applicable Limit of Insur- ditional Coverage; and ance on any Covered Property. If a (ii) The deductible amount ap- particular occurrence results in loss or damage by "fungus", wet rot or dry plied to the loss payment for rot, and other loss or damage, we will direct physical loss or dam- not pay more for the total of all loss or age to the building; damage than the applicable Limit of (b) All expenses incurred, regardless Insurance on the Covered Property. of the number of buildings in- If there is covered loss or damage to volved, is $25,000. Covered Property that is not caused g. Limited Coverage for Fungus, Wet Rot by "fungus", wet rot or dry rot, loss or Dry Rot payment will not be limited by the (1) The coverage provided in Paragraph terms of this Additional Coverage, (2) below only applies when "fungus", except to the extent that "fungus", wet rot or dry rot is the result of any wet rot or dry rot causes an increase of the "specified causes of loss", in the loss. Any such increase in the other than fire or lightning, that oc- loss will be subject to the terms of curs during the policy period, and this Additional Coverage. only if all reasonable means have h. Ordinance or Law Coverage been used to save and preserve the (1) In the event of covered direct physi- property from further damage at the cal loss or damage to a building that time of and after the occurrence of is Covered Property, the following such "specified causes of loss". coverages apply, but only with re- (2) We will pay for direct physical loss of spect to that lost or damaged build- or damage to Covered Property ing: caused by "fungus", wet rot or dry rot, (a) Coverage A — Coverage For including: Loss To The Undamaged Por- (a) The cost of removal of the "fun- tion of The Building gus", wet rot or dry rot; We will pay under Coverage A for (b) The cost to tear out and replace the loss in value of the undam- any part of the building or other aged portion of the building as a property as needed to gain ac- consequence of enforcement of cess to the "fungus", wet rot or an ordinance or law that requires dry rot; and demolition of undamaged parts of the same building. (c) The cost of testing performed af- ter removal, repair, replacement (b) Coverage B — Demolition Cost Coverage or restoration of the damaged property is completed, provided We will pay under Coverage B there is a reason to believe that the cost to demolish the building "fungus", wet rot or dry rot are and clear the site of undamaged present. parts of the same building, as a consequence of enforcement of DX T1 00 11 12 C 2011 The Travelers Indemnity Company.All rights reserved. Page 7 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. an ordinance or law that requires (b) The building either: demolition of such undamaged (i) Sustains direct physical loss property. or damage that is covered (c) Coverage C — Increased Cost under this Coverage Part and of Construction such damage results in en- We will pay under Coverage C forcement of the ordinance or the increased cost to: law; or (i) Repair or reconstruct dam- (i i) Sustains both direct physical loss or damage that is cov- aged portions of that building; ered under this Coverage or Part and direct physical loss (i i) Reconstruct or remodel un- or damage that is not cov- damaged portions of that ered under this Coverage building, whether or not Part and the building damage demolition is required; in its entirety results in en- forcement of the ordinance or when the increased cost is a law. consequence of enforcement of the minimum requirements of the If the building sustains direct ordinance or law. physical loss or damage that is not covered under this Coverage This Coverage C applies only if Part, and such damage is the the restored or remodeled prop- subject of the ordinance or law, erty is intended for similar occu- then there is no coverage under pancy as the current property, this Additional Coverage even if unless such occupancy is not the building has also sustained permitted by zoning or land use covered direct physical loss or ordinance. This Coverage C does damage. not apply if the building is not re- (c) In the situation described in (b) paired, reconstructed or remod- (ii) above, we will not pay the full eled. amount of loss otherwise payable (2) The coverages described in (1) under the terms of Coverage A, above apply only if the provisions in B or C of this Additional Cover- Paragraphs (a) and (b) below are sat- age. Instead, we will pay a pro- isfied and are then subject to the portion of such loss. The propor- qualifications set forth in Paragraph tion of such loss that we will pay (c) below: is the proportion that the covered direct physical loss or damage (a) The ordinance or law: bears to the total direct physical (i) Regulates the demolition, loss or damage. construction or repair of However, if covered direct physi- buildings, or establishes zon- cal loss or damage, alone, would ing or land use requirements have resulted in the enforcement at the described premises; of the ordinance or law, then we and will pay the full amount of loss (ii) Is in force at the time of loss. otherwise payable under the terms of Coverage A, B, or C of But this Additional Coverage ap- this Additional Coverage. plies only in response to the (3) We will not pay under this Additional minimum requirements of the or- Coverage for: dinance or law. Losses and costs incurred in complying with rec- (a) Enforcement of any ordinance or ommended actions or standards law which requires the demoli- tion, repair, replacement, recon- struction, remodeling or remedia- are not covered. Page 8 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. tion of property due to contamina- which is performed in the course of ex- tion by "pollutants" or due to the tracting the "pollutants" from the land or presence, growth, proliferation, water. spread or any activity of "fungus", The most we will pay under this Addi- wet rot or dry rot; tional Coverage is $100,000 for the sum (b) The costs associated with the en- of all covered expenses arising out of all forcement of any ordinance or "specified causes of loss" occurring dur- law which requires any insured or ing each separate 12 month period of this others to test for, monitor, clean policy (beginning with the effective date of up, remove, contain, treat, detox- the policy). ify or neutralize, or in any way re- j. Preservation of Property spond to, or assess the effects of "pollutants", "fungus", wet rot or If it is necessary to temporarily move dry rot; or Covered Property from the described (c) Loss due to any ordinance or law premises to preserve it from the threat of that: imminent loss or damage by a Covered Cause of Loss: (i) You were required by the or- (1) We will pay for the reasonable and dinance or law to comply with necessary expenses actually incurred before the loss, even if the by you to remove the Covered Prop- building was undamaged; erty from the described premises, and temporarily store the Covered Prop- (ii) You failed to comply with. erty at another location and move the (4) Exclusion C.1.h. Ordinance or Law Covered Property back to the de- does not apply to the insurance spe- scribed premises within a reasonable cifically provided under this Additional time after the threat of imminent loss Coverage. or damage to the property by the (5) The most we will pay under this Addi- Covered Cause of Loss passes. The tional Coverage for loss with respect most we will pay for the sum of all to all buildings lost or damaged in any such expenses that you incur due to one occurrence, regardless of the the threat of loss or damage from any number of buildings involved, is one occurrence is $250,000, subject $250,000. to the following: i. Pollutant Cleanup and Removal (a) This Limit of Insurance is an addi- tional amount of insurance that is We will pay your expense to extract "pol- not included in, and does not re- lutants" from land or water at the de- duce, the Covered Property Lim- scribed premises, if the discharge, dis- its of Insurance. persal, seepage, migration, release or (b) When the Causes of Loss — escape of the "pollutants" is caused by or Earthquake endorsement or results from any of the "specified causes Causes of Loss — Earthquake of loss" which occurs: Sprinkler Leakage endorsement (1) On the described premises; is included in this Coverage Part, (2) To Covered Property; and our payment for the sum of all expenses incurred due to the (3) During the policy period. threat of loss or damage to Cov- The expenses will be paid only if they are ered Property from all threatened reported to us within 180 days of the date occurrences of all such Covered on which the covered "specified cause of Causes of Loss in any one policy loss" occurs. year will not exceed $250,000. This limit is not included in, and This Additional Coverage does not apply does not reduce, the Limits of In- to costs to test for, monitor or assess the surance that apply to loss or existence, concentration or effects of damage to which the Causes of "pollutants". But we will pay for testing Loss — Earthquake endorsement DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 9 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. or the Causes of Loss — Earth- (i) The policy is amended to quake Sprinkler Leakage en- provide insurance at the new dorsement applies. location; (c) When the Causes of Loss — (ii) The Covered Property is re- Broad Form Flood endorsement turned to the original location; is included in this Coverage Part, or our payment for the sum of all (iii) This policy expires. expenses incurred due to the threat of loss or damage to Cov- ered Property from all threatened We will reimburse you for rewards you occurrences of such Covered have incurred leading to: Cause of Loss in any one policy (1) The successful return of undamaged year will not exceed $250,000. stolen articles of Covered Property to This limit is not included in, and a law enforcement agency; or does not reduce, the Limits of In- surance that apply to loss or (2) The arrest and conviction of any per- damage to which the Causes of son(s) who have damaged or stolen Loss — Broad Form Flood en- any of your Covered Property. dorsement applies. The most we will pay in any one occur- (d) If the threat of imminent direct rence under this Additional Coverage is physical loss or damage to Cov- 25% of the covered loss (prior to the ap- ered Property from the same oc- plication of any applicable deductible and currence spans over multiple pol- recovery of undamaged stolen articles) icy years, only the limit that ap- up to a maximum of $25,000 for the pay- plies to this Coverage in the pol- ments of rewards you make. These re- icy year in which the expenses ward payments must be documented. No are first incurred by you will apply deductible applies to this Additional Cov- to the total of the expenses in- erage. curred due to the threat of loss or I. Stored Water damage from that occurrence. (1) We will pay the cost you incur to re- This Coverage is subject to the de- place water that is used in your ductible that applies to loss or dam- manufacturing or processing opera- age to the Covered Property by the tions which is contained in any: Covered Cause of Loss from which the property is being preserved. (a) Above-ground storage tank; or (2) We will also pay for any direct physi- (b) Manufacturing or processing cal loss of or damage to the Covered equipment (including related pip- Property while it is being moved from ing) at the described premises, the described premises, while tempo- when the water has been released or rarily stored at another location or rendered unusable for its intended while being moved back to the de- purpose due to direct physical loss of scribed premises, subject to the fol- or damage to such tank, equipment lowing: or piping by a Covered Cause of (a) This Coverage is subject to, and Loss. does not increase the applicable (2) This Additional Coverage does not Covered Property Limit of Insur- apply to costs to restore or replace ance. water contained in any fire suppres- (b) This Coverage will only apply if sion system. the loss or damage occurs within (3) The most we will pay in any one oc- 180 days after the Covered currence under this Additional Cover- Property is first moved and will age is $25,000. end when any of the following first occurs: Page 10 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. m. Water or Other Substance Loss —Tear (c) Collection expenses in excess of Out and Replacement Expense your normal collection expenses In the event of covered loss or damage that are made necessary by the caused by or resulting from water (or loss; and steam), other liquid, powder or molten (d) Other reasonable expenses that material, we will also pay: you incur to re-establish your re- (1) The necessary cost of tearing out and cords of accounts receivable. replacing any part of a Covered (2) If you cannot accurately establish the Building or Structure to repair dam- amount of accounts receivable out- age to the system or appliance from standing as of the time of loss, we which the water (or steam), other liq- will: uid, powder or molten material es- capes; and (a) Determine the total of the aver- age monthly amounts of accounts (2) The cost to repair or replace dam- receivable for the 12 months im- aged parts of fire extinguishing mediately preceding the month in equipment if: which the loss occurs; (a) The damage results in discharge (b) Adjust the total for any normal of any substance from an auto- fluctuations in the amount of ac- matic fire protective system; or counts receivable for the month (b) Is directly caused by freezing. in which the loss occurred or for any demonstrated variance from Except as provided under (2) above, we the average for that month; and will not pay the cost to repair any defect in a system or appliance from which the (c) Deduct the following from the to- water (or steam), other liquid, powder or tal amount of accounts receiv- molten material escapes. able, however that amount is es- tablished: 4. Coverage Extensions (i) The amount of the accounts Each of the following Coverage Extensions for which there is no loss; applies subject to the Limit(s) of Insurance stated in this Coverage Form, unless a re- (ii) The amount of the accounts re- vised Limit of Insurance or Not Covered is in- that you are able to dicated in the Declarations or the coverage is establish or collect; otherwise amended by endorsement: (iii) An amount to allow for prob- a. Accounts Receivable able bad debts that you are (1) You may extend the insurance that normally unable to collect; and applies to Your Business Personal Property to apply to losses and ex- (iv) All unearned interest and penses described below that you in- service charges. cur resulting from direct physical loss (3) The most we will pay in any one oc- or damage by a Covered Cause of currence under this Extension for loss Loss to your accounts receivable re- and expenses resulting from loss of cords. Credit card company charge or damage to your records of ac- media will be considered accounts counts receivable: receivable until delivered to the credit (a) At or within 1,000 feet of the de- card company. scribed premises is $50,000; and We will pay: (b) While in transit or at all unde- (a) Amounts due from your custom- scribed premises is $25,000. ers that you are unable to collect; b. Appurtenant Buildings and Structures (b) Interest charges on any loan re- (1) At the described premises where quired to offset amounts you are Building coverage applies: unable to collect pending our payment of these amounts; (a) You may extend the insurance that applies to your buildings to DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 11 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. apply to direct physical loss or (a) Any expenses incurred, directed, damage by a Covered Cause of or billed by or payable to attor- Loss to incidental appurtenant neys, insurance adjusters or their buildings and structures which associates or subsidiaries; are at the described premises but (b) Any costs as provided in the Ap- not specifically described in the praisal Loss Condition (G.2.); or Declarations; and (b) You may extend the insurance (c) Any expenses incurred, directed, or billed by or payable to insur- that applies to Your Business ance brokers or agents, or their Personal Property and Personal associates or subsidiaries, with- Property of Others, if any, to ap- out our written consent prior to ply to direct physical loss or such expenses being incurred. damage by a Covered Cause of Loss to such property located (3) The most we will pay for claim data within incidental appurtenant expense in any one occurrence under buildings or structures which are this Extension is $25,000. at the described premises but not d. Covered Leasehold Interest — Undam- specifically described in the Dec- aged Improvements and Betterments larations. (1) You may extend the insurance that (2) Incidental appurtenant buildings or applies to Your Business Personal structures include storage buildings, Property at the described premises garages, pump houses, above which you lease from others to apply ground tanks, television and radio to your interest as tenant in improve- towers, antennas, satellite dishes and ments and betterments, as defined in solar panels mounted on the ground Section A.1.b.(6) of this Coverage or on poles not attached to buildings Form, which are not damaged or de- and structures. But incidental appur- stroyed, but which you lose due to tenant buildings an d structures do not the cancellation of your lease by your include: landlord. The cancellation of your (a) Outside signs, whether or not at- lease by your landlord must: tached to buildings or structures; (a) Result from direct physical loss of (b) Any property to which the Out- or damage to property at the de- door Property Coverage Exten- scribed premises where your im- sion applies; or provements and betterments are (c) Any property excluded under located, caused by or resulting Section A.2. Property and Costs from a Covered Cause of Loss;and Not Covered. (3) The most we will pay for loss or dam- (b) Be permitted in accordance with the conditions of your written age in any one occurrence under this lease agreement. Extension is $100,000. (2) The most we will pay for loss in any c. Claim Data Expense one occurrence under this Extension (1) You may extend the insurance pro- is: vided by this Coverage Form to apply (a) The applicable Your Business to the reasonable expenses you incur Personal Property Limit of Insur- in preparing claim data when we re- ance; or quire it to adjust a covered loss. This includes the cost of taking invento- ries, making appraisals and preparing whichever is less. other documentation to show the ex- e. Deferred Payments tent of loss. (1) You may extend the insurance that (2) We will not pay for: applies to Your Business Personal Property to apply to your interest in Page 12 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. such business personal property that original "electronic data processing is sold by you under an installment data and media" are kept. plan, conditional sale, trust agree- (2) The most we will pay for loss or dam- ment or other deferred payment plan age in any one occurrence under this when, as a result of direct physical Extension is $50,000. loss of or damage to such property: g. Electronic Data Processing Data and (a) Occurring within the Coverage Media Territory at any location, or in (1) You may extend the insurance that transit, after delivery to buyers; and applies to Your Business Personal (b) Caused by a Covered Cause of Property and Personal Property of Others to apply to your costs to re- Loss; search, replace or restore the lost in- the buyer refuses to continue pay- formation on lost or damaged "elec- ments owed to you for such property tronic data processing data and me- and, as a result, you repossess the dia" for which duplicates do not exist. remaining damaged property of The loss or damage to the "electronic value, if any. data processing data and media" (2) The value of your loss under this Ex- must be caused by a Covered Cause tension will be determined as follows: of Loss. (a) In the event of partial loss to (2) The most we will pay in any one oc- property, the value of your loss currence under this Extension for loss will be: or damage to "electronic data proc- (i) The unpaid balance shown essing data and media": on your books as due from (a) At or within 1,000 feet of the de- the buyer for such property, scribed is as follows: excluding any interest or fees (i) $50,000 at all described due; minus premises unless a different (ii) The actual cash value of the Limit of Insurance or Not repossessed damaged prop- Covered is shown in the Dec- erty larations or Paragraph (ii) be- (b) In the event of a total loss to low applies; property, the value of your loss (ii) When Included is shown in will be the unpaid balance shown the Declarations as the Limit on your books as due from the of Insurance, the insurance buyer for such property, exclud- provided for such property is ing any interest or fees due. included in, and does not in- crease the Limit(s) of (3) The most we will pay for loss in any ance that otherwise applyly to to one occurrence under this Extension loss or damage to Your Busi- is $25,000. ness Personal Property and f. Duplicate Electronic Data Processing Personal Property of Others Data and Media at the described premises (1) You may extend the insurance that where the loss occurs; applies to Your Business Personal and Property and Personal Property of (b) At any other location where the Others to apply to direct physical loss insurance provided under this or damage by a Covered Cause of Coverage Form for Your Busi- Loss to duplicates of your "electronic ness Personal Property and Per- data processing data and media" sonal Property of Others applies, while stored in a separate, unat- including while in transit, is in- tached building anywhere in the Cov- cluded in and does not increase erage Territory from where your the Limit of Insurance that other- wise applies to loss or damage to DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 13 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Your Business Personal Property to continue your normal busi- and Personal Property of Others ness operations: at that location or in transit. But, At the described prem- in no event will the amount we pay for such loss or damage to ises; or "electronic data processing data At replacement premises and media" under this Extension or at temporary locations, exceed the amount we would including relocation ex- have paid had the loss to "elec- penses and costs to tronic data processing data and equip and operate the media" occurred at or within replacement or tempo- 1,000 feet of the described prem- rary locations; ises. (i i) To minimize the suspension h. Employee Tools of business if you cannot (1) You may extend the insurance that continue your normal busi- applies to Your Business Personal ness operations at the de- Property to apply to direct physical scribed premises; or loss or damage by a Covered Cause (iii) To the extent that it reduces of Loss to "employee tools" at the de- the amount of loss that oth- scribed premises or while in the care, erwise would have been custody or control of your employees payable under this Coverage at job sites or while in transit betw een Form: these locations. • To repair or replace any (2) The most we will pay for loss or dam- property; age in any one occurrence under this Extension is $25,000, but not more To research, replace or than $2,500 for any one item. restore the lost informa- tion on lost or damaged "electronic data process- (1) You may extend the insurance pro- ing data and media" or vided by this Coverage Form to apply "valuable papers and re- to the reasonable and necessary Ex- cords". tra Expense you incur, during the pe- r (b) Period of restoration means the iod of restoration, due to direct physical loss or damage to property period of time that: at or within 1,000 feet of the de- (i) Begins with the date of direct scribed premises caused by or result- physical loss or damage ing from a Covered Cause of Loss. caused by or resulting from (2) If you occupy only a portion of a any Covered Cause of Loss building in which the described prem- at the described premises; ises are located, such premises in- and clude all routes within the building to (i i) Ends on the earlier of: gain access to the portion of the The date when the prop- building which you own, rent, lease or erty at the described occupy. premises should be re- (3) As used in this Extension: paired, rebuilt or replaced (a) Extra Expense means necessary with reasonable speed expenses you incur that you and similar quality; or would not have incurred if there The date when business had been no direct physical loss is resumed at a new or damage to property: permanent location. (i) To avoid or minimize the Period of restoration does not in- suspension of business and clude any increased period re- Page 14 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. quired due to the enforcement of (b) Re-program the key card access any ordinance or law that: control device to accept replace- (i) Regulates the construction, ment key cards. use or repair, or requires the (2) With respect only to the insurance tearing down of any property; provided by this Extension, the fol- or lowing changes apply to the Exclu- (ii) Requires any insured or oth- sions in Section C. and Limitations in ers to test for, monitor, clean Section D. of this Coverage Form: up, remove, contain, treat, (a) The exclusion of loss or damage detoxify or neutralize, or in caused by or resulting from dis- any way respond to the ef- honest or criminal act under Ex- fects of "pollutants". clusion C.2.c. (Dishonesty) does The expiration date of this policy not apply, except with respect to will not cut short the period of dishonest or criminal act by you restoration. or any of your partners, directors (4) The most we will pay for all Extra Ex- or trustees; pense in any one occurrence under (b) The exclusion of loss of property this Extension is $25,000. when there is no physical evi- dence to show what happened to j. Fine Arts the property under Limitations (1) You may extend the insurance that D.1.d. does not apply. applies to Your Business Personal (3) The most we will reimburse you for Property and Personal Property of costs under this Extension is $25,000 Others to apply to direct physical loss in total arising out of all occurrences or damage by a Covered Cause of occurring during each separate 12 Loss to fine arts at the described month period of this policy (beginning premises or in transit. with the effective date of the policy). (2) The most we will pay in any one oc- I. Newly Constructed or Acquired Prop- currence under this Extension for loss erty of or damage to "fine arts": (1) You may extend the insurance pro- (a) At or within 1,000 feet of the de- vided by this Coverage Form to apply scribed premises is $50,000; and to direct physical loss or damage by a (b) While in transit is $25,000. Covered Cause of Loss to: k. Loss of Master Key (a) Your new buildings or additions (1) If a master key or key card to build- while being built on the described ings, rooms or compartments that are premises or newly acquired Covered Property or house Covered premises including materials, Property is lost or damaged by a equipment, supplies and tempo- Covered Cause of Loss, you may ex- rary structures, on or within 1,000 tend the insurance provided by this feet of the premises; Coverage Form to apply to the actual (b) Buildings you acquire at locations and necessary costs you incur to: other than the described prem- (a) Replace keys and either: ises; and (i) Adjust existing locks to ac- (c) Buildings which you become cept the new keys; or newly required to insure under a written contract. (ii) Replace existing locks, but The most we will pay for loss or dam- only if necessary or less ex- pensive than the cost of ad- age to Buildings in any one occur- pensive the existing locks; rence under this Extension is $2,000,000 at each building. or (2) You may extend the insurance that applies to Your Business Personal DX T1 00 11 12 C 2011 The Travelers Indemnity Company.All rights reserved. Page 15 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Property and Personal Property of motorized conveyance, whether Others to apply to direct physical loss or not the motor vehicle or motor- or damage by a Covered Cause of ized conveyance is in motion; or Loss to that type of property at: (b) During hitching or unhitching op- (a) A building you newly acquire or erations, or when a trailer or construct at a location described semi-trailer becomes accidentally in the Declarations; and unhitched from a motor vehicle or (b) Any other location you acquire by motorized conveyance. purchase or lease (other than at (3) The most we will pay for loss or dam- "exhibitions"). age in any one occurrence under this The most we will pay for loss or dam- Extension is $25,000. age to Your Business Personal Prop- (4) This insurance is excess over the erty and Personal Property of Others amount due from any other insurance in any one occurrence under this Ex- covering such property, whether you tension is $1,000,000 in total at each can collect on it or not. newly acquired premises. n. Outdoor Property (3) Insurance provided under this Exten- (1) You may extend the insurance ero- sion for each newly acquired or con- vided by this Coverage Form to apply structed property will end when any to: of the following first occurs: a This (a) Direct physical loss or damage to ( ) policy is cancelled or ex- your outdoor: pires; (i) Fences; (b) 180 days expire after you acquire or begin to construct the property; (ii) Retaining walls that are not (c) You report values to us; or part of a building; (d) The property is more specifically (iii) Lawns (including fairways, insured. greens and tees), artificial turf (including underlayment) We will charge you additional pre- trees, shrubs and plants mium for values reported from the (other than "stock" of trees, date construction begins or you ac- shrubs or plants); quire the property. (iv) Bridges, walks, roadways, m. Non-Owned Detached Trailers patios or other paved sur- (1) You may extend the insurance that faces; applies to Your Business Personal at the described premises cau sed Property to apply to direct physical by or resulting from a cause of loss or damage by a Covered Cause loss described in (2) below; of Loss to trailers or semi-trailers that and you do not own, provided that: (b) The reasonable and necessary (a) The trailer or semi-trailer is used expense that you incur to remove in your business; debris of your outdoor property (b) The trailer or semi-trailer is in listed above and similar property your care, custody or control at of others at your described prem- the described premises; and ises caused by a Cause of Loss (c) You have a contractual responsi- listed in (2) below that occurs bility to pay for loss or damage to during the policy period. Such the trailer or semi-trailer. expenses will be paid only if they (2) We will not pay for any loss or dam- are reported to us in writing within 180 days of the direct physical age that occurs: loss or damage. Such payment (a) While the trailer or semi-trailer is will not increase the Limit of In- attached to any motor vehicle or Page 16 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. surance that applies to this Ex- (3) Our payment for loss or damage un- tension. der this Extension will only be for the (2) This Extension applies only if the loss account of the owner of the property. or damage is caused by or results q. Personal Property At Premises Out- from the following cause s of loss, and side of the Coverage Territory then only if they are a Covered (1) You may extend the insurance that Cause of Loss: applies to Your Business Personal (a) Fire; Property and Personal Property of (b) Lightning; Others to apply to direct physical loss (c) Explosion; or damage by a Covered Cause of Loss to such property occurring at (d) Riot or Civil Commotion; premises anywhere in the world out- (e) Aircraft; side of the Coverage Territory pro- vided that no trade sanction, em- (f) Falling Objects; or bargo or similar regulation imposed (g) "Sinkhole Collapse". by the United States of America pro- (3) The most we will pay for loss or dam- hibits us from covering the loss or age and debris removal expense in damage. any one occurrence under this Ex- (2) This Extension does not apply to: tension is $25,000, but we will not (a) Personal property at an "exhibi- pay more than $2,500 for any one tion"; tree, shrub or plant. o. Outside Signs (b) Property at any installation site or g at temporary storage premises (1) You may extend the insurance pro- awaiting installation; vided by this Coverage Form to apply (c) Sales representative property; or to direct physical loss or damage by a Covered Cause of Loss to outside (d) Personal property in transit. signs, whether or not attached to a (3) The most we will pay for loss or dam- building, at or within 1,000 feet of the age in any one occurrence under this described premises or at any unde- Extension is $50,000. scribed premises. r. Personal Property In Transit Outside (2) The most we will pay in any one oc- of the Coverage Territory currence under this Extension for loss (1) Unless otherwise indicated in the or damage to all outside signs: Declarations or by endorsement, you (a) At or within 1,000 feet of the de- may extend the insurance provided scribed premises is $100,000; for Personal Property in Transit in (b) At all undescribed premises is Section A.1.e. (including any mode of $5,000. transportation or type of shipment ex- clusion), to apply to Your Business p. Personal Effects Personal Property and Personal (1) You may extend the insurance that Property of Others in your care, cus- applies to Your Business Personal tody or control in transit anywhere in Property to apply to direct physical the world outside of the Coverage loss or damage by a Covered Cause Territory provided that no sanction, of Loss to personal effects or "fine embargo or similar regulation im- arts" owned by your officers, your posed by the United States of Amer- partners or your employees while ica prohibits us from covering the loss such property is at the described or damage. premises. (2) This Extension also applies to Cov- (2) The most we will pay for loss or dam- ered Property in transit which is in the age in any one occurrence under this custody of your officers or employ- Extension is $25,000 at each de- ees. scribed premises. DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 17 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (3) The most we will pay for loss or dam- u. Valuable Papers and Records — Cost age in any one occurrence under this of Research Extension is $25,000. (1) You may extend the insurance that s. Theft Damage to Rented Property applies to Your Business Personal Property to apply to your costs to re- (1) You may extend the insurance that search, replace or restore the lost in- applies to Your Business Personal formation on lost or damaged "valu- Property to apply to direct physical able papers and records" for which loss or damage by theft or attempted duplicates do not exist. The loss or theft to: damage to "valuable papers and re- (a) That part of any building at the cords" must be caused by a Covered described premises that you oc- Cause of Loss. cupy, but do not own, and which (2) The most we will pay for loss or dam- contains the Covered Property; age in any one occurrence under this and Extension: (b) Property within such non-owned (a) At or within 1,000 feet of the de- building used for maintenance or scribed premises is $50,000, and service of the non-owned build- (b) While in transit or at all unde- ing. scribed premises is $25,000. (2) This Extension applies only if you are B. COVERED CAUSES OF LOSS a tenant and are required in your Covered Causes of Loss means RISKS OF DI- lease to cover the expense. RECT PHYSICAL LOSS unless the loss is: (3) We will not be liable under this Ex- 1. Excluded in Section C., Exclusions; tension for loss or damage by fire or explosion, or to glass (other than 2. Limited in Section D., Limitations; or glass building blocks) or to any letter- 3. Excluded or limited in the Declarations or by ing, ornamentation or burglar alarm endorsement. tape on glass. C. EXCLUSIONS (4) Payment under this Extension will not 1. We will not pay for loss or damage cau sed di- increase the Limit of Insurance that rectly or indirectly by any of the following. applies to Your Business Personal Such loss or damage is excluded regardless Property at the described premises of any other cause or event that contributes where the direct physical loss or concurrently or in any sequence to the loss or damage occurs. damage. Exclusions C.1.a. through C.1.1. ap- t. Undamaged Parts of Stock in Process ply whether or not the loss event results in widespread damage or affects a substantial (1) You may extend the insurance that area. applies to Your Business Personal a. Certain Computer-Related Losses Property and Personal Property of Others to apply to the reduction in (1) Failure, malfunction or inadequacy of: value of undamaged parts of covered (a) Any of the following, whether be- products or "stock" in process which longing to any insured or to oth- become unmarketable. The reduction ers: in value must be the direct result of (i) Computer hardware, includ- direct physical loss or damage by a ing microprocessors; Covered Cause of Loss to other parts of the covered products or "stock" in (ii) Computer application soft- process at the described premises. ware; (2) The most we will pay for loss or dam- (iii) Computer operating systems age in any one occurrence under this and related software; Extension is $50,000. (iv) Computer networks; Page 18 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (v) Microprocessors (computer including soil conditions which chips) not part of any com- cause settling, cracking or other puter system; or disarrangement of foundations or (vi)Any other computerized or other parts of realty. Soil condi- electronic equipment or com- tions include contraction, expan- ponents; sion, freezing, thawing, erosion, improperly compacted soil and or the action of water under the (b) Any other products and services, ground surface; or data or functions, that directly or (e) Volcanic eruption, explosion or indirectly use or rely upon, in any effusion. manner, any of the items listed in Paragraph (1)(a) above; (2) If Earth Movement as described in: due to the inability to correctly recog- (a) Paragraphs (1)(a) through (1)(d) nize, process, distinguish, interpret or above results in fire or explosion, accept one or more dates or times. we will pay for the loss or dam- (2) Any advice, consultation, design, age caused by that fire or explo- evaluation, inspection, installation, sion; or maintenance, repair, replacement or (b) Paragraph (1)(e) above, results in supervision provided or done by you fire, building glass breakage or to determine, rectify or test for, any Volcanic Action, we will pay for potential or actual problems de- the loss or damage caused by scribed in Paragraph (1) above. that fire, building glass breakage or Volcanic Action. If an excluded Cause of Loss as de- scribed in Paragraphs (1) and (2) above Volcanic Action means direct loss results in any of the "specified causes of or damage resulting from the loss", or in elevator collision resulting eruption of a volcano when the from mechanical breakdown, we will pay loss or damage is caused by: only for the loss or damage caused by (i) Airborne volcanic blast or air- such "specified causes of loss" or eleva- borne shock waves; for collision. (i i) Ash, dust or particulate mat- We will not pay for repair, replacement or ter; or modification of any items in Paragraphs (iii) Lava flow. (1) and (2) above to correct any deficien- cies or change in features. With respect to coverage for Vol- b. Earth Movement canic Action as set forth in (i), (ii) and (iii) above, volcanic erup- (1) Any of the following, all whether natu- tions that occur within any 168- rally occurring or due to man-made or hour period will constitute a sin- other artificial causes: gle occurrence. Volcanic Action (a) Earthquake, including tremors does not include the cost to re- and aftershocks, and earth sink- move ash, dust or particulate ing, rising or shifting related to matter that does not cause direct such event; physical loss or damage to the (b) Landslide, including any earth described property. sinking, rising or shifting related (3) This exclusion does not apply to: to such event; (a) Personal property in transit; (c) Mine subsidence, meaning sub- (b) Personal property at an "exhibi- sidence of a man-made mine, tion"; whether or not mining activity has (c) Sales representative property; or ceased; (d) Earth sinking (other than "sink- (d) Personal property in the custody hole collapse"), rising, or shifting of any officer or employee of the DX T1 00 11 12 C 2011 The Travelers Indemnity Company.All rights reserved. Page 19 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. insured while traveling outside of h. Ordinance or Law the Coverage Territory. (1) The enforcement of any ordinance or c. Fungus, Wet Rot or Dry Rot law: Presence, growth, proliferation, spread or (a) Regulating the construction, use any activity of "fungus", wet rot or dry rot. or repair of any property; or But if "fungus", wet rot or dry rot re sults in (b) Requiring the tearing down of any any of the "specified causes of loss", we property, including the cost of will pay for the loss or damage caused by removing its debris. such "specified causes of loss". (2) This exclusion, Ordinance or Law, This exclusion does not apply: applies whether the loss res ults from: (1) When "fungus", wet rot or dry rot re- (a) An ordinance or law that is en- sults from fire or lightning; or forced even if the property has not been damaged; or (2) To the extent that coverage is pro- (b) The increased costs incurred to vided under the Limited Coverage for comply with an ordinance or law Fungus, Wet Rot or Dry Rot Addi- in the course of construction, re- tional Coverage. pair, renovation, remodeling or d. Governmental Action demolition of property, or removal Seizure or destruction of property by or- of its debris, following a physical der of governmental authority except as loss to that property. provided for under the Additional Cover- I. Utility Services age —Ordinance or Law Coverage. The failure or fluctuation of power, com- But we will pay for loss or damage munication, water or other utility service caused by or resulting from acts of de- supplied to the described premises, how- struction ordered by governmental au- ever caused, if the failure or fluctuation: thority and taken at the time of a fire to (1) Originates away from the described prevent its spread, if the fire would be premises; or covered under this Coverage Part. (2) Originates at the described premises, e. Intentional Loss but only if such failure or fluctuation Any act an insured commits or conspires involves equipment used to supply to commit with the intent to cause a loss. the utility service to the describedpremises from a source away from In the event of such loss, no insured is the described premises. entitled to coverage, including insureds Failure or fluctuation of any utility service who did not commit or conspire to commit includes lack of sufficient capacity and the act causing the loss. reduction in supply. f. Neglect But if the failure or fluctuation of power, Neglect of an insured to use reasonable communication, water or other utility ser- means to save and preserve property vice results in a Covered Cause of Loss, from further damage at and after the time we will pay for the loss or damage caused of loss. by that Covered Cause or Loss. g. Nuclear Hazard Communication services include service relating to Internet access or access to Nuclear reaction or radiation, or radioac- any electronic, cellular or satellite net- tive contamination, however caused. work. But if nuclear reaction or radiation, or ra- j. Virus or Bacteria dioactive contamination results in fire, we (1) Any virus, bacterium, or other micro- will pay for the loss or damage caused by organism that induces or is capable that fire. of inducing physical distress, illness or disease. Page 20 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (2) With respect to any loss or damage (e) Waterborne material carried or subject to this exclusion, this exclu- otherwise moved by any of the sion supersedes any exclusion relat- water referred to in Paragraphs ing to "pollutants". (a), (c) and (d) above, or material k. War and Military Action carried or otherwise moved by mudslide or mudflow. (1) War, including undeclared or civil war; But if Water, as described in (a) through (e) above, results in fire, ex- (2) Warlike action by a military force, in- plosion or sprinkler leakage, we will cluding action in hindering or defend- pay for the loss or damage caus ed by ing against an actual or expected at- that fire, explosion or sprinkler leak- tack, by any government, sovereign age. or other authority using military per- sonnel or other agents; or (2) This exclusion does not apply to: (3) Insurrection, rebellion, revolution, (a) Personal property in transit; usurped power, or action taken by (b) Personal property at an "exhibi- governmental authority in hindering tion"; or defending against any of these. (c) Sales representative property; or I. Water (d) Personal property in the custody (1) Any of the following, all whether natu- of any officer or employee of the rally occurring or due to man-made or insured while traveling outside of other artificial causes: the Coverage Territory. (a) Flood, surface water, waves (in- 2. We will not pay for loss or damage caused by cluding tidal wave and tsunami), or resulting from any of the following: tides, tidal water, overflow of any a. Collapse body of water, or spray from any of these, all whether driven by (1) Collapse, including any of the follow- wind (including storm surge) or ing conditions of property or any por- not; tion of the property: (b) Mudslide or mudflow; (a) An abrupt falling down or caving (c) Water or sewage that backs up or in; overflows or is otherwise dis- (b) Loss of structural integrity, includ- charged from a sewer, drain, ing separation of portions of the sump, sump pump or related property or property in danger of equipment. However, this exclu- falling down or caving in; or sion does not apply to the backup (c) Any cracking, bulging, sagging, or overflow of water or sewage from drains within a building if the bending, leaning, settling, shrink- backup or overflow is not other- age, or expansion as such condi- wise directly or indirectly caused (ion relates to Paragraphs (a) or by the Water Exclusions in Para- graphs (a) or (b) above or in But if collapse results in a Covered Paragraphs (d) or (e) below. Cause of Loss at the described prem- (d) Water under the ground surface ises, we will pay for the loss or dam- pressing on, or flowing or seeping age caused by that Covered Cause through: of Loss. (i) Foundations, walls, floors or (2) This Exclusion does not apply: paved surfaces; (a) To an abrupt collapse to the ex- (ii) Basements, whether paved tent that coverage is provided or not; or under the Abrupt Collapse Addi- (iii) Doors, windows or other tional Coverage in (3) below; or openings; or DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 21 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (b) To collapse of Covered Property (iv) Use of defective material or caused by one or more of the fol- methods of construction, re- lowing: modeling or renovation if the (i) Any of the "specified causes abrupt collapse occurs after of loss" or breakage of build- the construction, remodeling, ing glass, all only as insured or renovation is complete, but against in this Coverage Part; only if the collapse is caused (i i) Weight of rain that collects on in part by: a roof; or A cause of loss listed in (iii) Weight of people or personal Paragraphs (3)(b)(i) or property. (3)(b)(ii) above; (3) Abrupt Collapse Additional Coverage One or more of the The term Covered Cause of Loss in- specified causes of loss"; cludes abrupt collapse as described and limited under Paragraphs (a) Breakage of building through (g) below. glass; (a) As used in this Additional Cover- Weight of people or age, abrupt collapse means property; or abrupt falling down or caving in of Weight of rain that col- a building or any portion of a lects on a roof. building with the result that the building or portion of the building (c) Abrupt collapse under Para- cannot be occupied for its in- graphs (3)(a) and (b) above does tended purpose. not apply to: (b) We will pay for direct physical (i) A building or any portion of a loss of or damage to Covered building that is in danger of Property, caused by abrupt col- falling down or caving in; lapse of a building or any portion (i i) A portion of a building that is of a building that is insured under standing, even if it has sepa- this Coverage Form, or that con- rated from another portion of tains Covered Property insured the building; or under this Coverage Form, if (iii) A building that is standing or such collapse is caused by one any portion of a building that or more of the following: is standing, even if it shows (i) Building decay that is hidden evidence of cracking, bulging, sagging, bending, leaning, from view, unless the pres- settling, shrinkage or expan- ence of such decay is known to an insured prior to col- sion. lapse; (d) With respect to the following (i i) Insect or vermin damage that property: is hidden from view, unless (i) Television and radio towers, the presence of such dam- antennas, satellite dishes, age is known to an insured guy wires, lead-in wiring and prior to collapse; masts; (iii) Use of defective material or (i i) Awnings, canopies, gutters, methods in construction, re- downspouts and fences; modeling or renovation if the (iii) Yard fixtures; abrupt collapse occurs during (iv) Outdoor swimming pools; the course of the construc- (v) Bulkheads, pilings, piers, tion, remodeling or renova- wharves and docks; tion; Page 22 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (vi) Beach or diving platforms or (g) This Abrupt Collapse Additional appurtenance s; Coverage will not increase the (vii) Retaining walls; Limits of Insurance provided in (viii)Underground pipes, flues or this Coverage Part. drains; and b. Consequential Loss (ix) Walkways, roadways and (1) Delay, loss of use or loss of market; other paved surfaces; or if abrupt collapse is caused by a (2) Loss of business income or extra ex- Cause of Loss listed in Para- pense except as specifically provided graphs (3)(b)(i) through (3)(b)(iv) in this Coverage Part. above, we will pay for loss or c. Dishonesty damage to that property only if: Dishonest or criminal act by you, any of (i) Such loss or damage is a di- your partners, members, officers, manag- rect result of the abrupt col- ers, employees (including leased em- lapse of a building or any por- ployees), directors, trustees, authorized tion of a building insured un- representatives or anyone to whom you der this Coverage Form; and entrust the property for any purpose: (ii) The property is Covered (1) Acting alone or in collusion with oth- Property under this Coverage ers; or Form. (2) Whether or not occurring during the (e) If personal property abruptly falls hours of employment. down or caves in and such col- This exclusion does not apply to acts of lapse is not the result of abrupt destruction by your employees (including collapse of a building or any por- leased employees), but theft by employ- tion of a building, we will pay for ees is not covered. loss or damage to Covered Prop- erty caused by such collapse of This exclusion does not apply to carriers personal property only if: for hire. (i) The collapse of personal d. Electrical Damage or Disturbance property was caused by a Artificially generated electrical, magnetic Cause of Loss listed in Para- or electromagnetic energy that damages, graphs (3)(b)(i) through disturbs or otherwise interferes with any: (3)(b)(iv) above; (1) Electrical or electronic wire, device, (ii) The personal property which appliance, system or network; or collapses is inside a building; (2) Device, appliance, system or network and utilizing cellular or satellite technol- (iii) The personal property which ogy. collapses is not of a kind Electrical, magnetic or electromagnetic listed in Paragraph (3)(d) above, regardless of whether energy includes: that kind of property is con- (1) Electrical current, including arcing; sidered to be personal prop- (2) Electrical charge produced or con- erty or real property. ducted by a magnetic or electromag- (f) This Abrupt Collapse Additional netic field; Coverage does not apply to per- (3) Pulse of electromagnetic energy; sonal property that has not (4) Electromagnetic waves or micro- abruptly fallen down or caved in, even if the personal property waves. shows evidence of cracking, But if fire results, we will pay for the loss bulging, sagging, bending, lean- or damage caused by that fire. ing, settling, shrinkage or expan- This Exclusion does not apply to loss or sion. damage to "electronic data processing DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 23 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. equipment" or "electronic data processing (5) Nesting or infestation or discharge or data and media". release of waste products or secre- e. Explosion tions, by insects, birds, rodents or Explosion of steam boilers, steam gen- other animals; erators, steam pipes, steam engines or (6) Mechanical breakdown, including steam turbines owned or leased by you, rupture or bursting caused by cen- or operated under your control. trifugal force. But if mechanical breakdown results in elevator colli- But if explosion of steam boilers, steam sion, we will pay for the loss or dam- generators, steam pipes, steam engines, age caused by that elevator collision. or steam turbines results in fire or com- bustion explosion, we will pay for the loss This Exclusion does not apply to loss or damage caused by that fire or combus- or damage to "electronic data proc- tion explosion. We will also pay for loss or essing equipment" or "electronic data damage caused by or resulting from the processing data and media"; explosion of gases or fuel within the fur- (7) The following causes of loss to per- nace of any fired vessel or within the flues sonal property: or passages through which the gases of (a) Dampness or dryness of atmos- combustion pass. phere; f. Exposed Property (b) Changes in or extremes of tem- Rain, snow, sand, dust, ice or sleet to perature; personal property in the open (other than (c) Changes in flavor, color, texture to property in the custody of a carrier for or finish; hire). g. Freezing (d) Contamination by other than "pol- lutants"; and Water, other liquids, powder or molten (e) Marring or scratching. material that leaks or flows from plumb- ing, heating, air conditioning, ventilation But if an excluded cause of loss that is or other equipment (except fire protective listed in Paragraphs (1)through (7) above systems) caused by or resulting from results in any of the "specified causes of freezing, unless: loss" or building glass breakage, we will pay for the loss or damage caused by (1) You do your best to maintain heat in such "specified causes of loss" or building the building or structure; or glass breakage. (2) You drain the equipment and shut off Also, if an excluded caus e of loss listed in the supply if the heat is not main- Paragraphs (1) through (5) or (7) above tained. results in mechanical breakdown of "elec- h. Liquid Seepage or Leakage tronic data processing equipment", we Continuous or repeated seepage or leak- will pay for the loss or damage caused by age of water or other liquid, or the pres- that mechanical breakdown of "electronic ence or condensation of humidity, mois- data processing equipment". ture or vapor that occurs over a period of j. Pollution 14 days or more. Discharge, dispersal, seepage, migration, i. Other Types of Losses release or escape of "pollutants" unless (1) Wear and tear; the discharge, dispersal, seepage, migra- tion, release or escape is itself caused by (2) Rust, or other corrosion, decay, dete- any of the "specified causes of loss". But rioration, hidden or latent defect or if the discharge, dispersal, seepage, mi- any quality in property that causes it gration, release or escape of "pollutants" to damage or destroy itself; results in any of the "specified causes of (3) Smog; loss", we will pay for the loss or damage (4) Settling, cracking, shrinking, bulging caused by such "specified causes of or expansion; loss". Page 24 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. k. Smoke, Vapor or Gas (1) Any cost of: Smoke, vapor or gas from agricultural (a) Correcting or making good the smudging or industrial operations. fault, inadequacy or defect itself; This exclusion does not apply to emis- or sions or puff backs of smoke, soot,fumes (b) Tearing down, tearing out, repair- or vapors from a boiler, furnace or related ing or replacing any part of any equipment. property to correct the fault, in- I. Voluntary Parting adequacy or defect; Voluntary parting with any property by except as specifically provided under you or anyone else to whom you have en- the Water or Other Substance Loss — trusted the property. Tear Out and Replacement Expense This Exclusion does not apply to insur- Additional Coverage; or ance provided under this Coverage Form (2) Any resulting loss or damage by a for personal property in transit if the loss Covered Cause of Loss to the prop- to Covered Property is caused by your erty that has the fault, inadequacy or acceptance, in good faith, of false bills of defect until the fault inadequacy or lading or shipping receipts. defect is corrected. 3. We will not pay for loss or damage caused by 4. Special Exclusions or resulting from any of the following, 3.a. The following exclusions apply only with re- through 3.c., but if an excluded cause of loss spect to the specified coverage or property. that is listed in 3.a. and 3.b. below results in a a. Accounts Receivable Covered Cause of Loss, we will pay for the loss or damage caused by that Covered Under the Accounts Receivable Cover- Cause of Loss. age Extension, we will not pay for: a. Weather conditions. But this exclusion (1) Loss or damage caused by or result- only applies if weather conditions contrib- ing from bookkeeping, accounting or ute in any way with a cause or event ex- billing errors or omissions; cluded in C.1. above to produce the loss (2) Any loss or damage that requires an or damage. audit of records or an inventory com- b. Acts or decisions, including the failure to putation to prove its factual existence; act or decide, of any person, group, or- or ganization or governmental body except (3) Loss or damage caused by or result- as provided in the Additional Coverage — ing from alteration, falsification, con- Ordinance or Law Coverage. cealment or destruction of records of c. Faulty, inadequate or defective: accounts receivable done to conceal wrongful giving, taking or withholding (1) Planning, zoning, development, sur- of money, securities or other prop- erty. But this exclusion only applies to (2) Design, specifications, workmanship, the wrongful giving, taking or with- repair, construction, renovation, re- holding. modeling, grading, compaction; b. Valuable Papers and Records (3) Materials used in repair, construction, We will not pay for any loss of or damage renovation or remodeling; or to "valuable papers and records" caused (4) Maintenance; by or resulting from the following. In addi- of part or all of any property on or off the tion, we will not pay for any loss that is a described premises. consequence of such loss or damage. If an excluded cause of loss that is listed (1) Unauthorized viewing, copying or use in 3.c. above results in a Covered Cause of electronic data (or any proprietary of Loss, we will pay for the resulting loss or confidential information or intellec- or damage caused by that Covered tual property in any form) by any per- Cause of Loss. But we will not pay for: son, even if such activity is character- ized as theft; DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 25 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (2) Errors or omissions in processing or connected or on which your sys- copying. But if errors or omissions in tem depends (including the elec- processing or copying results in fire tronic data in such system or or explosion, we will pay for the re- network) results in any of the sulting loss or damage caused by "specified causes of loss" or re- that fire or explosion; or sults in mechanical breakdown of (3) Unauthorized instructions to transfer "electronic data processing property to any person or place. equipment", we will pay for the loss or damage caused by that c. Electronic Data Processing Equipment "specified cause of loss" or me- and Electronic Data Processing Data chanical breakdown of "electronic and Media data processing equipment'; or (1) We will not pay for loss of or damage (d) Unexplained or indeterminable to electronic data processing equip- failure, malfunction or slowdown ment", any other programmable elec- of any electronic data processing tronic machines, "electronic data system or network, including the processing data and media" or other electronic data in such system or electronic data caused by or resulting network, and the inability to ac- from the following. In addition, we will cess or properly manipulate the not pay for any loss that is a conse- electronic data. quence of such loss or damage. (2) We will not pay for loss of or damage (a) Programming errors, omissions to electronic data processing data or incorrect instructions to a ma- and media" or other electronic data chine. But if programming errors, while being sent electronically. In ad- omissions or incorrect instruc- dition, we will not pay for any loss tions to a machine result in any of that is a consequence of such loss or the "specified causes of loss" or damage. result in mechanical breakdown of "electronic data processing S. Additional Exclusion equipment', we will pay for the The following exclusion applies only to loss or damage caused by that loss or damage to the specified property "specified cause of loss" or me- and to loss that is a consequence of such chanical breakdown of "electronic loss or damage to the specified property. data processing equipment'; Loss or Damage to Products (b) Unauthorized viewing, copying or We will not pay for loss of or damage to use of "electronic data processing any merchandise, goods or other product data and media" by any person, caused by or resulting from error or omis- even if such activity is character- sion by any person or entity (including ized as theft; those having possession under an ar- c) Errors or deficiency in design, in- rangement where work or a portion of the stallation, maintenance, repair or work is outsourced) in any stage of the modification of your electronic development, production or use of the data processing system or any product, including planning, testing, proc- electronic data processing sys- essing, packaging, installation, mainte- tem or network to which your sys- nance or repair. This exclusion applies to tem is connected or on which any effect that compromises the form, your system depends (including substance, or quality of the product. But, the electronic data in such sys- if such error or omission results in a Cov- tem or network). But if errors or ered Cause of Loss, we will pay for the deficiency in design, installation, loss or damage caused by that Covered maintenance, repair or modifica- Cause of Loss. tion of your electronic data proc- D. LIMITATIONS essing system or any electronic data processing system or net- The following limitations apply to all coverage work to which your system is forms and endorsements unless otherwise stated. Page 26 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. 1. We will not pay for loss of or damage to prop- 2. The special limit shown for each category, a. erty, as described and limited in this section. through c., is the total limit for loss of or dam- In addition, we will not pay for any loss that is age to all property in each category. The spe- a consequence of loss or damage as de- cial limit applies to any one occurrence of scribed and limited in this section. theft, regardless of the types or number of ar- a. Steam boilers, steam pipes, steam en- ticles that are lost or damaged in that occur- gines or steam turbines caused by or re- rence. The special limits are: sulting from any condition or event inside a. $25,000 for furs, fur garments and gar- such equipment. But we will pay for loss ments trimmed with fur. of or damage to such equipment caused by or resulting from an explosion of gases b. $25,000 for jewelry, watches, watch or fuel within the furnace of any fired ves- movements, jewels, pearls, precious and sel or within the flues or passages semi-precious stones, bullion, gold, silver, through which the gases of combustion platinum and other precious alloys or pass. metals, but; b. Hot water boilers or other water heating (1) This limit is increased to $50,000 for equipment caused by or resulting from gold, silver, platinum, and other pre- any condition or event inside such boilers cious alloys or metals used as a raw or equipment, other than an explosion. material in your manufacturing proc- c. The "interior of a building or structure", or ess; and to personal property in the building or (2) This limit does not apply to jewelry structure, caused by or resulting from and watches worth $100 or less per rain, snow, sleet, ice, sand or dust, item. whether driven by wind or not, unless: c. $5,000 for stamps, tickets (including lot- (1) The building or structure first sustains tery tickets held for sale) and letters of damage by a Covered Cause of Loss credit. to its roof or walls through which the rain, snow, sleet, ice, sand or dust These special limits are part of, not in addition enters; or to, the Limit of Insurance applicable to the (2) The loss or damage is caused by or Covered Property. results from thawing of snow, sleet or 3. If the building where loss or damage occurs ice on the building or structure. has been "vacant' for a period of more than d. Property that is missing, where the only 60 consecutive days before that loss or dam- evidence of the loss or damage is a age occurs: shortage disclosed on taking inventory, or a. We will not pay for any loss or damage other instances where there is no physi- caused by any of the following even if cal evidence to show what happened to they are Covered Causes of Loss: the property. (1) Vandalism; This limitation does not apply to property in the custody of a carrier for hire. (2) Sprinkler leakage, unless you have e. Property that has been transferred to a protected the system against freez- person or place outside the described ing; premises on the basis of unauthorized in- (3) Building glass breakage; structions. (4) Water damage; f. Trees, shrubs, plants or lawns on a vege- (5) Theft; or tative roof or "stock" of outdoor trees, shrubs and plants caused by or resulting (6) Attempted theft. from: b. With respect to Covered Causes of Loss (1) Dampness or dryness of atmosphere; other than those listed in a.(1) through a.(6) above, we will reduce the amount (2) Changes in or extremes of tempera- we would otherwise pay for the loss or ture; or damage by 15%. (3) Rain, snow, sand, dust, ice or sleet. DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 27 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. E. LIMITS OF INSURANCE amounts applied in that occurrence will not ex- The most we will pay for loss or damage in any ceed the amount of the largest applicable de- one occurrence is the applicable Limit of Insur- ductible. ance shown in the Declarations, Schedules, Cov- G. LOSS CONDITIONS erage Form(s), or Endorsement(s). The following conditions apply in addition to the Payments under: Common Policy Conditions —Deluxe: 1. The following Additional Coverages: 1. Abandonment a. Fire Department Service Charge; There can be no abandonment of any prop- b. Fire Protective Equipment Discharge; erty to us. c. Limited Coverage for Fungus, Wet Rot or 2. Appraisal Dry Rot; If we and you disagree on the value of the d. Stored Water; and property or the amount of loss, either may make written demand for an appraisal of the e. Water or Other Substance Loss — Tear loss. In this event, each party will select a Out and Replacement Expense; competent and impartial appraiser. The two and appraisers will select an umpire. If they can- 2. The following Coverage Extensions: not agree, either may request that selection be made by a judge of a court having jurisdic- a. Covered Leasehold Interest — Undam- tion. The appraisers will state separately the aged Improvements and Betterments; value of the property and amount of loss. If and they fail to agree, they will submit their differ- b. Theft Damage To Rented Property; ences to the umpire. A decision agreed to by are included in and do not increase the applicable any two will be binding. Each party will: Limits of Insurance. a. Pay its chosen appraiser; and Payments under the Debris Removal Additional b. Bear the other expenses of the appraisal Coverage and the Preservation of Property Addi- and umpire equally. tional Coverage are included in the applicable If there is an appraisal, we will still retain our Covered Property Limit(s) of Insurance and/or are right to deny the claim. additional insurance, as described in the Debris Removal Additional Coverage in Section A.3.a. 3. Duties in the Event of Loss or Damage and the Preservation of Property Additional Cov- a. You must see that the following are done erage in Section A.3.j. in the event of loss of or damage to Cov- Payments under the Electronic Data Processing ered Property: Data and Media Coverage Extension are included (1) Notify the police if a law may have in the applicable Covered Property Limit(s) of In- been broken. surance and/or are additional insurance, as de- (2) Give us prompt notice of the loss or scribed in the Electronic Data Processing Data damage. Include a description of the and Media Coverage Extension in Section A.4.g. property involved. The remaining Additional Coverages in Section (3) As soon as possible, give us a de- A.3. and the remaining Coverage Extensions in scription of how, when, and where Section A.4. are additional insurance. the loss or damage occurred. F. DEDUCTIBLE (4) Take all reasonable steps to protect We will not pay for loss or damage in any one the Covered Property from further occurrence until the amount of loss or damage damage, and keep a record of your exceeds the applicable Deductible shown in the expenses necessary to protect the Declarations. We will then pay the amount of loss Covered Property, for consideration or damage in excess of the applicable Deductible, in the settlement of the claim. This up to the applicable Limit of Insurance. will not increase the Limit of Insur- Unless otherwise stated, if more than one de- ance. However, we will not pay for ductible amount applies to loss or damage in any any loss or damage resulting from a one occurrence, the total of the deductible cause of loss that is not a Covered Cause of Loss. Also, if feasible, set Page 28 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. the damaged property aside and in (4) Repair, rebuild, or replace the prop- the best possible order for examina- erty with other property of like kind tion. and quality subject to b., c., d. and e. (5) At our request, give us complete in- below. ventories of the damaged and un- b. A party wall is a wall that separates and is damaged property. Include quantities, common to adjoining buildings that are costs, values and amount of loss owned by different parties. In settling claimed. covered losses involving a party wall, we (6) As often as may be reasonably re- will pay a proportion of the loss to the quired, permit us to inspect the prop- party wall based on your interest in the erty and records proving the loss or wall in proportion to the interest of the damage and examine your books and owner of the adjoining building. However, records. if you elect to repair or replace your build- Also permit us to take samples of ing and the owner of the adjoining build- damaged and undamaged property ing elects not to repair or replace that for inspection, testing and analysis building, we will pay you the full value of and permit us to make copies from the loss to the party wall, subject to all your books and records. applicable Coverage Part provisions in- (7) Send us a signed, sworn proof of loss cluding Limits of Insurance, the Valuation containing the information we request Loss Condition and all other provisions of to investigate the claim. You must do this Loss Payment Loss Condition. Our this within 60 days after our request. payment under the provisions of this We will supply you with the neces- paragraph does not alter any right of sub- sary forms. rogation we may have against any entity, (8) Cooperate with us in the investigation including the owner or insurer of the ad- or settlement of the claim. joining building, and does not alter the terms of the Additional Condition —Trans- (9) You will not, except at your own cost, fer of Rights of Recovery Against Others voluntarily make a payment, assume To Us in this Coverage Form. any obligation, or incur any expense without our consent except as re- c. Except as provided in the Additional Cov- spects to protecting property from fur- erage - Ordinance or Law Coverage, the ther damage. cost to repair, rebuild or replace does not b. We may examine any insured under oath, include the increased cost attributable to while not in the presence of any other in- enforcement of any ordinance or law sured and at such times as may be rea- regulating the construction, use or repair sonably required, about any matter relat- of any property. ing to this insurance or the claim, includ- d. The following loss payment provisions are ing an insured's book s and records. In the subject to the apportionment procedures event of an examination, an insured's an- set forth in Additional Coverage — Ordi- swers must be signed. nance or Law Coverage: 4. Loss Payment The most we will pay, for the total of all a. In the event of loss or damage covered covered losses in any one occurrence by this Coverage Form, at our option, we under Coverage A — Coverage For Loss will either: To The Undamaged Portion of the Build- (1) Pay the value of lost or damaged ing, Coverage B — Demolition Cost Cov- property; erage and Coverage C — Increased Cost (2) Pay the cost of repairing or replacing of Construction Coverage, is the Com- the lost or damaged property subject bined Limit of Insurance shown in the to b., c., d. and e. below; Declarations for Ordinance or Law Cov- erage. Subject to this Combined Limit of (3) Take all or any part of the property at Insurance, the following loss payment an agreed or appraised value; or provisions apply: DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 29 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (1) For a loss in value of an undamaged Additional Coverage — Ordinance portion of a building to which Cover- or Law Coverage; age A applies, the loss payment for whichever is less. that undamaged portion of the build- ing will be determined as follows: (3) Loss payment under Coverage C will (a) If Replacement Cost Coverage be determined as follows: applies and the property is being (a) We will not pay under Coverage repaired or replaced, on the C: same or another location, we will (i) Until the property is actually not pay more than the lesser of: repaired or replaced, at the (i) The cost to repair, rebuild or same or another location; reconstruct the undamaged and portion of the building that (i i) Unless the repairs or re- was necessarily demolished placement are made as soon as a consequence of the or- as reasonably possible after dinance or law but not for the loss or damage, not to more than the amount it exceed two years. We may would cost to restore that un- extend this period in writing damaged portion of the build- during the two years. ing on the same location and (b) If the building is repaired or re- to the same height, floor placed at the same location, or if area, style and comparable you elect to rebuild at another lo- quality of the original property cation, the most we will pay un- insured; or der Coverage C is the lesser of: (i i) The Combined Limit of Insur- (i) The increased cost of con- ance shown in the Declara- struction at the same loca- tions for the Additional Cov- tion; or erage — Ordinance or Law Coverage. (i i) The Combined Limit of Insur- (b) If Replacement Cost Coverage ance shown in the Declara- applies and the property is not tions for the Additional Cov- repaired or replaced, or if Re- erage — Ordinance or Law placement Cost Coverage does Coverage. not apply, we will not pay more (c) If the ordinance or law requires than the lesser of: relocation to another location, the (i) The Actual Cash Value at the most we will pay under Coverage time of loss of the undam- C is the lesser of: aged portion of the building (i) The increased cost of con- that is required to be demol- struction at the new location; ished as a consequence of or the ordinance or law; or (ii) The Combined Limit of Insur- (i i) The Combined Limit of Insur- ance shown in the Declara- ance shown in the Declara- tions for the Additional Cov- tions for the Additional Cov- erage — Ordinance or Law erage — Ordinance or Law Coverage. Coverage. e. Except as specifically provided under the: (2) Loss payment under Coverage B will (1) Green Building Alternatives — In- be determined as follows: creased Cost Additional Coverage; (a) The amount you actually spend and to demolish and clear the site; or (2) Green Building Reengineering and (b) The Combined Limit of Insurance Recertification Expense Additional shown in the Declarations for the Coverage; Page 30 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance services Office,Inc.with its permission. the cost to repair, rebuild or replace does (1) The total of a.(1) and a.(2) above; not include any cost incurred to reattain a (2) The value of the recovered property; pre-loss level of "green building" certifica- or tion from a "Green Authority". (3) The Limit of Insurance; f. With respect to our options listed in 4.a.(1) through 4.a.(4) above, we will give whichever is less. notice of our intentions within 30 days af- 6. Valuation ter we receive the proof of loss. We will determine the value of Covered Prop- g. We will not pay you more than your finan- erty in the event of loss or damage as follows: cial interest in the Covered Property. a. At replacement cost as of the time of loss h. We may adjust losses with the owners of or damage, except as otherwise provided lost or damaged property if other than in this Valuation Loss Condition. Re- you. If we pay the owners, such pay- placement cost is the cost to replace ments will satisfy your claims against us Covered Property at the time of loss or for the owner's property. We will not pay damage without deduction for deprecia- the owners more than their financial in- tion. terest in the Covered Property. (1) You may make a claim for loss or i. We may elect to defend you against suits damage covered by this insurance on arising from claims of owners of property. an actual cash value basis instead of We will do this at our expense. on a replacement cost basis. In the j. We will pay for covered loss or damage event you elect to have loss or dam- within 30 days after we receive the sworn age settled on an actual cash value proof of loss, if: basis, you may still make a claim on a replacement cost basis if you notify (1) You have complied with all of the us of your intent to do so within 180 terms of this Coverage Part; and days after the loss or damage. (2) (a) We have reached agreement with (2) We will not pay on a replacement you on the amount of loss; or cost basis for any loss or damage: (b) An appraisal award has been (a) Until the lost or damaged prop- made. erty is actually repaired or re- k. At our option, we may make a partial placed; and payment toward any claims, subject to (b) Unless the repairs or replace- the policy provisions and our normal ad- ment are made as soon as rea- justment process. To be considered for a sonably possible after the loss or partial claim payment, you must submit a damage. partial sworn proof of loss with supporting documentation. Any applicable policy de- Instead, we will pay on an actual ductibles must be satisfied before any cash value basis. This restriction partial payments are made. does not apply to losses less than 5. Recovered Property $10,000. If either you or we recover any property after (3) We will not pay more for loss or dam- age on a replacement cost basis than loss settlement, that party must give the other the least of (a), (b), or (c), subject to prompt notice.At your option,the property will (4) below: be returned to you. You must then return to us the amount we paid to you for the prop- (a) The Limit of Insurance applicable erty to the lost or damaged property; a. We will pay: (b) The cost to replace, at the same premises, the lost or damaged (1) Recovery expenses; and property with other property; (2) Costs to repair the recovered prop- (i) Of comparable material and erty; quality; and b. But the amount we will pay will not ex- ceed: DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 31 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (ii) Used for the same purpose; Electronic Data Processing Data and Me- or dia Coverage Extension. (c) The amount you actually spend d. Tenant's improvements and betterments that is necessary to repair or re- at: place the lost or damaged prop- (1) Replacement cost of the lost or dam- erty• aged property if it is actually repaired If a building is rebuilt at a different or replaced as soon as reasonably premises, the cost described in (b) possible. above is limited to the cost which (2) A proportion of your original cost if would have been incurred had the you do not make repairs as soon as building been built at the original reasonably possible. We will deter- premises. mine the proportionate value as fol- (4) The cost to repair, rebuild, or replace lows: does not include the increased cost (a) Multiply the original cost by the attributable to enforcement of any or- number of days from the loss or dinance or law regulating the con- damage to the expiration of the struction, use or repair of any prop- lease; and erty, except as provided in the Addi- tional Coverage - Ordinance or Law (b) Divide the amount determined in Coverage. (a) above by the number of days b. "Electronic data processing equipment" from the installation of improve- will be valued at replacement cost as of ments to the expiration of the lease. the time and place of loss, in accordance with the replacement cost provisions con- If your lease contains a renewal op- with in this Valuation Loss Condition. tion, the expiration of the renewal op- However, if replacement of "electronic tion period will replace the expiration data processing equipment" with compa- of the lease in this procedure. rable property is impossible, the replace- (3) Nothing if others pay for repairs or ment cost will be the cost of items that replacement. are similar to the damaged or destroyed e. Personal property you have sold but not equipment and intended to perform the delivered at the selling price less dis- same function, but which may include counts and expenses you otherwise technological advances. would have had. In no event will the value determined for: f. Personal property of others at the lesser (1) "Electronic data processing equip- of: ment" owned by others exceed the (1) The valuation of such property if it amount for which you are liable; or were owned by you; or (2) "Electronic data processing equip- (2) The amount for which you are con- ment" that is obsolete or no longer tractually liable, not to exceed the re- used by you exceed the actual cash placement cost. value of such equipment at the time of loss. g. "Stock" in process at the cost of raw ma- c. "Electronic data processing data and me- terials and labor, plus the proper propor- dia" will be valued at: tion of overhead charges. (1) The cost of blank media; and h. Finished "stock"you manufacture at: (2) The cost of labor to copy the elec- (1) The selling price, as if no loss or tronic data from a duplicate of the damage occurred; electronic data, but only if the lost (2) Less discounts and expenses you electronic data is actually copied. otherwise would have had. The restoration of "electronic data proc- L Personal property in transit at: essing data and media" for which dupli- (1) (a) The amount of invoice; or cates do not exist is provided under the Page 32 of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (b) In the absence of an invoice, the In. Patterns, dies, molds, and forms not in least of the following: current usage at actual cash value. If loss (i) The value of the Covered is paid on an actual cash value basis, and Property; within 24 months from the date of the loss you need to rep air or replace one or more (ii) The cost of reasonably re- of them, we will pay you, subject to the storing that property to its conditions of this insurance, the differ- condition immediately before ence between actual cash value and re- loss or damage; or placement cost for those patterns, molds (iii) The cost of replacing that and dies which are actually repaired or property with substantially the replaced. same property; o. Personal property valuation includes the plus pro-rated value of non-refundable and (2) The amount of any prepaid freight non-transferable extended warranties, charges and other shipping costs or maintenance contracts or service con- charges that are incurred while the tracts that you purcha sed, on to st or dam- property is in transit. aged personal property that you repair or replace. This applies only when the ex- Glass at: tended warranty, maintenance contract or (1) The cost of replacement with safety service contract is voided due to the loss glazing material if required by law; or damage to the personal property. plus p. If branded or labeled merchandise that is (2) The amount of reasonable expenses Covered Property is damaged by a Cov- incurred to put up temporary plates or ered Cause of Loss and we take all or board up openings if repair or re- part of the property at an agreed or ap- placement of the damaged glass is praised value, we will pay, subject to the delayed. Limit of Insurance that applies to the k. "Valuable papers and records" at the cost damaged property: of: (1) The reasonable expenses you incur to: (1) Blank material for reproducing the re- cords; and (a) Stamp the word Salvage on the merchandise or its containers, if (2) Labor to transcribe or copy records the stamp will not physically for which duplicates exist. damage the merchandise; or The restoration of data on "valuable pa- (b) Remove the brands or labels, if pers and records" for which duplicates do doing so will not physically dam- not exist is provided under the Valuable age the merchandise. You must Papers and Records — Cost of Research re-label the merchandise or its Coverage Extension. containers to comply with the law. I. Works of arts, antiques or rare articles at (2) The reduction in the salvage value of the least of: the damaged merchandise with the (1) The price at which the property could brand or label removed. likely be sold prior to loss or damage q. If you decide to repair or rebuild buildings if offered for sale in a fair market on which have sustained loss or damage, the date the loss or damage oc- our payment will include any reasonable curred; and necessary architectural, engineering, (2) The cost of reasonably restoring that consulting or supervisory fees incurred. property; or This will not increase the applicable Lim- (3) The cost of replacing that property its of Insurance. with substantially the same property. r. Pairs, sets or parts: m. Personal property at "exhibitions" at the (1) In case of loss to any part of a pair or lesser of replacement cost or the original set we may at our option: cost to you. DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 33 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (a) Repair or replace any part to re- b. The action is brought within 2 years after store the pair or set to its value the date on which the direct physical loss before the loss; or or damage occurred. (b) Pay the difference between the S. Liberalization value of the pair or set before and If we adopt any revision that would broaden after the loss. the coverage under this Coverage Part with- (2) In case of loss to any part of Covered out additional premium within 60 days prior to Property consisting of several parts or during the policy period, the broadened when complete, we will only pay for coverage will immediately apply to this Cov- the value of the lost or damaged part. erage Part. H. ADDITIONAL CONDITIONS 6. Mortgageholders The following conditions apply in addition to the a. The term mortgageholder includes trus- Common Policy Conditions —Deluxe: tee. 1. Concealment, Misrepresentation or Fraud b. We will pay for covered loss of or damage This Coverage Part is void in any case of to buildings or structures to each mort- fraud by you as it relates to this Coverage gageholder shown in the Declarations in Part at any time. It is also void if you or any their order of precedence, as interests other insured, at any time, intentionally con- may appear. ceal or misrepresent a material fact concern- c. The mortgageholder has the right to re- ing: ceive loss payment even if the mortgage- a. This Coverage Part; holder has started foreclosure or similar b. The Covered Property; action on the building or structure. d. If we deny your claim because of your c. Your interest in the Covered Property; or acts or because you have failed to com- d. A claim under this Coverage Part. ply with the terms of this Coverage Part, 2. Control of Property the mortgageholder will still have the right to receive loss payment if the mortgage- The breach of any condition of this Coverage holder: Part as a result of act or neglect of any per- son other than you beyond your direction or (1) Pays any premium due under this control will not affect this insurance. Coverage Part at our request if you have failed to do so; The breach of any condition of this Coverage Part at any one or more locations will not af- (2) Submits a signed, sworn proof of loss fect coverage at any location where, at the within 60 days after receiving notice time of loss or damage, the breach of condi- tion does not exist. (3) Has notified us of any change in 3. Currency ownership, occupancy or substantial change in risk known to the mort- The amounts used within this Coverage Part gageholder. are in the currency of the United States of America and all premium and losses are pay- All of the terms of this Coverage Part will able in United States currency. In the event of then apply directly to the mortgageholder. a loss adjustment involving currency other e. If we pay the mortgageholder for any loss than United States currency, the conversion or damage and deny payment to you be- into United States currency will be at the pub- cause of your acts or because you have lished rate of exchange as of the date of the failed to comply with the terms of this loss. Coverage Part: 4. Legal Action Against Us (1) The mortgageholder's rights under No one may bring a legal action against us the mortgage will be transferred to us under this Coverage Part unless: to the extent of the amount we pay; and a. There has been full compliance with all of the terms of this Coverage Part; and Page 34 Of 38 C 2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (2) The mortgageholder's right to recover vice warranty agreement, even if it is the full amount of the mortgage- characterized as insurance. holder's claim will not be impaired. 9. Policy Period, Coverage Territory At our option, we may pay to the mort- Under this Coverage Part: gageholder the whole principal on the mortgage plus any accrued interest. In a. We cover loss or damage commencing: this event,your mortgage and note will be (1) During the policy period shown in the transferred to us and you will pay your Declarations; and remaining mortgage debt to us. (2) Within the Coverage Territory. f. If we cancel this policy, we will give writ- b. Except as otherwise specifically provided, ten notice to the mortgageholder at least: the Coverage Territory is: (1) 10 days before the effective date of (1) The United States of America (includ- cancellation if we cancel for your non- ing its territories and pos sessions); payment of premium; or (2) 60 days before the effective date of (2) Puerto Rico; and cancellation if we cancel for any other (3) Canada. reason. 10. Transfer of Rights of Recovery Against g. If we elect not to renew this policy, we will Others to Us give written notice to the mortgageholder If any person or organization to or for whom at least 60 days before the expiration we make payment under this Coverage Part date of this policy. has rights to recover damages from another, 7. No Benefit to Bailee those rights are transferred to us to the extent No person or organization, other than you, of our payment. That person or organization having custody of Covered Property will must do everything necessary to secure our rights and must do n othing after loss to impair benefit from this insurance. them. But you may waive your rights against 8. Other Insurance another party in writing: a. You may have other insurance subject to a. Prior to a loss under this Coverage Part. the same plan, terms, conditions and pro- b. After a loss un der this Coverage Part only visions as the insurance under this Cov- if, at time of loss, that party is one of the erage Part. If you do, we will pay our following: share of the covered loss or damage. Our share is the proportion that the applicable (1) Someone insured by this insurance; Limit of Insurance under this Coverage (2) A business firm: Part bears to the Limits of Insurance of all insurance covering on the same basis. (a) Owned or controlled by you; or b. If there is other insurance covering the (b) That owns or controls you; or same loss or damage, other than that de- (3) Your tenant. scribed in Paragraph a. above, we will This will not restrict your insurance. pay only for the amount of covered loss 11. Unintentional Errors In Description or damage in excess of the amount due from that other insurance, whether you Your error in ho w you describe the addre ss of can collect on it or not. But we will not pay a location in the Location Schedule shall not more than the applicable Limit of Insur- prejudice coverage afforded by this policy, ance. provided such error is not intentional. Any c. If loss or damage is also covered by a such error shall be reported and corrected service agreement, any amounts payable when discovered and appropriate premium for such loss or damage under this Cov- charged. erage Part will be excess over any I. OPTIONAL COVERAGES amounts payable under such agreement. If shown as applicable in the Declarations, the Service agreement means a service plan, following Optional Coverages apply separately to property restoration plan, or similar ser- each item. DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 35 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. 1. Actual Cash Value replaces the term Re- software which are used with elec- placement Cost where used in the Valuation tronically controlled equipment; Loss Conditions in Section G.6. of this Cov- erage Form. (2) The electronic media on which the data is stored; and 2. Inflation Guard (3) Programming records and instruc- a. The Limit of Insurance for property to tions used with "electronic data proc- which this Optional Coverage applies will essing equipment". automatically increase by the annual per- b. "Electronic data processing data and me- centage shown in the Declarations. dia" does not mean: b. The amount of increase will be: (1) Prepackaged software; (1) The Limit of Insurance that applied on (2) Property that you manufacture or the most recent of the policy incep- hold for sale; or tion date, the policy anniversary date, or any other policy change amending (3) Property that is licensed, leased, or the Limit of Insurance; times rented to others. (2) The percentage of annual increase 2. "Electronic Data Processing Equipment" shown in the Declarations, expressed means the following: as a decimal (example: 8% is .08); a. "Electronic data processing equipment' times means any of the following equipment (3) The number of days since the begin- used in your data processing operations: ning of the current policy year or the (1) Electronic data processing equip- effective date of the most recent pol- ment, facsimile machines, word proc- icy change amending the Limit of In- essors, multi-functional telephone surance, divided by 365. equipment and laptop and portable Example: computers; and If: (2) Any component parts or peripherals The applicable Limit of Insurance of such equipment, including related is: $100,000 surge protection devices. The annual percentage increase b. "Electronic data processing equipment' does not mean: is: 8% The number of days since the begin- (1) Property that is in the course of manufacture, or held for sale or dis- ning of the policy year (or last policy tribution by you; change)is: 146 (2) Property that is leased or rented to The amount of the increase is: others; or $100,000 x .08 x 146/365 = $3,200 (3) Equipment that is used to control or J. DEFINITIONS operate production-type machinery or equipment. 1. "Electronic Data Processing Data and Me- 3. "Employee Tools" means tools and equip- dia" means the following: ment owned by your employees and used in a. "Electronic data processing data and me- your business operations. dia" means: 4. "Exhibition" means the temporary display of (1) Data stored on, created or used on, personal property at a convention, exposition, or transmitted to or from computer trade show or similar event at a location you software (including systems and ap- do not own or regularly occupy. plications software) on electronic data S. "Fine Arts" means paintings, etchings, pic- processing recording or storage me- tures, tapestries, art glass windows, valuable dia such as hard or floppy disks, rugs, statuary, marbles, bronzes, antique fur- CDs, DVDs, flash memory, tapes, niture, rare books, antique silver, manu- drives, cells, data processing devices scripts, porcelains, rare glass, bric-a-brac and or any other repositories of computer Page 36 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. similar property of rarity, historical value, or b. The "interior of a building or structure", or artistic merit. property inside a building or structure, 6. "Fungus" means any type or form of fungus, unless the roof or an exterior wall of the including mold or mildew, and any mycotox- building or structure is first damaged by a ins, spores, scents, or by-products produced falling object. or released by fungi. When the Causes of Loss — Earthquake en- 7. "Green" means products, materials, methods dorsement, Causes of Loss — Earthquake and processes that conserve natural re- Sprinkler Leakage endorsement or Causes of sources, reduce energy or water consump- Loss — Broad Form Flood endorsement is in- tion, avoid toxic or other polluting emissions cluded in this Coverage Part, "specified or otherwise minimize the environmental im- causes of loss" also includes such cause of pact. loss, but only to the extent such cause of loss 8. "Green Authority" means a recognized au- is insured against under this Coverage Part. thority on "green" building or "green" prod- 13. "Stock" means merchandise held in storage ucts, materials or processes. or for sale, raw materials and in-process or 9. "Interior of a Building or Structure" means finished goods, including supplies used in any portion of a building or structure that is their packing or shipping. within the exterior-facing surface material of 14. "Territorial Waters" means that portion of the building or structure. the sea which is immediately adjacent to the shores of any country and over which the 10. "Pollutants" means any solid, liquid, gase- sovereignty and exclusive jurisdiction of that ous or thermal irritant or contaminant, includ- country extends, but not exceeding 12 nauti- ing smoke, vapor, soot, fumes, acids, alkalis, cal miles from the mean low-water mark of chemicals, waste and any unhealthful or haz- the shore of that country. ardous building materials (including but not limited to asbestos and lead products or ma- terials containing lead). Waste includes mate- a. When this policy is issued to a tenant, a rials to be recycled, reconditioned or re- building is "vacant" when it does not con- claimed. tain enough business personal property 11. "Sinkhole Collapse" means the sudden to conduct customary operations. With sinking or collapse of land into underground respect to tenant's interest in Covered empty spaces created by the action of water Property, building means the unit or suite on limestone or dolomite. rented or leased to the tenant. This cause of loss does not include: b. When this policy is issued to the owner or (1) The cost of filling sinkholes; or general lessee of a building, a building is "vacant" unless at least 31% of its total (2) Sinking or collapse of land into man made square footage is: underground cavities. (1) Rented to a lessee or sub-lessee and 12. "Specified Causes of Loss" means the fol- used by the lessee or sub-lessee to lowing: Fire; lightning; explosion; windstorm conduct its customary operations; or hail; smoke (including the emission or puff and/or back of smoke, soot, fumes or vapors from a (2) Used by the building owner to con- boiler, furnace or related equipment); aircraft duct customary operations. or vehicles; riot or civil commotion; vandalism; leakage from fire extinguishing equipment; With respect to the owner or general les- "sinkhole collapse";volcanic action;falling ob- see's interest in Covered Property, build- jects as limited below; weight of snow, ice or ing means the entire building. sleet; "water damage", all only as otherwise c. A building under construction or renova- insured against in this Coverage Part. tion is not considered "vacant". Falling objects does not include loss or dam- 16. "Valuable Papers and Records" means in- age to: scribed, printed or written documents, manu- a. Personal property in the open; or scripts or records, including abstracts, books, deeds, drawings,films, maps and mortgages. DX T1 00 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 37 of 38 Includes copyrighted material of Insurance Services Office,Inc.with its permission. But "Valuable papers and records" does not that is located on the described premises mean: and contains water or steam; and a. Accounts receivable; b. Accidental discharge or leakage of water b. Money or securities; or as the direct result of the breaking apart or cracking of a water or sewer pipe that c. Electronic data processing data and me- is located off the described premises, if dia" or an other data that exists on elec- t' the breakage or cracking is caused by tronic media. wear and tear. This provision serves as 17. "Water damage" means: an exception to the wear and tear exclu- a. Accidental discharge or leakage of water sion under the Other Types of Losses or steam as the direct result of the break- Exclusion in Section (C.2.i.). But water ing apart or cracking of a plumbing, heat- damage does not include loss or damage ing, air conditioning or other system or otherwise excluded under the terms of appliance (other than a sump system in- the Water Exclusion (C.1.1.). cluding its related equipment and parts) Page 38 Of 38 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 00 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. REFER TO SECTION G. — DEFINITIONS in this Coverage Form and SECTION J. —DEFINITIONS in the Deluxe Property Coverage Form. A. COVERAGE b. The coverage provided for Business In- We will pay for: come is based on the entry shown in the Declarations for "Rental Value". When: • The actual loss of Business Income you sus- tain due to the necessary "suspension" of (1) Included is shown, the term Business your "operations" during the "period of resto- ration"; and (2) Excluded is shown, the term Busi- ness Income excludes "Rental • The actual Extra Expense you incur during Value"; the "period of restoration"; In- caused b direct physical loss of or damage to (3) Only is shown, the term Business In- Y p Y 9 come means "Rental Value" only. property at premises which are described in the Declarations and for which a Business Income If Limits of Insurance are shown under and Extra Expense Limit of Insurance is shown in more than one of the above options, the the Declarations. The loss or damage must be provisions of this Coverage Part apply caused by or result from a Covered Cause of separately to each. Loss. With respect to loss of or damage to per- 2. Extra Expense sonal property in the open or personal property in Extra Expense means reasonable and nec- a vehicle, the described premises include the essary expenses described in a., b. and c. area within 1,000 feet of the site at which the de- below that you incur during the "period of res- scribed premises are located. toration" and that you would not have incurred With respect to the requirements set forth in the if there had been no direct physical loss of or preceding paragraph, if you occupy only part of damage to property caused by or resulting the site at which the described premises are lo- from a Covered Cause of Loss: cated,your premises means: a. Expenses to avoid or minimize the "sus- The portion of the building which you rent, pension" of business and to continue "op- lease or occupy; and erations" at: • Any area within the building or on the site at (1) The described premises; or which the described premises are located, if (2) Replacement premises or temporary that area services, or is used to gain access locations, including: to, the described premises. (a) Relocation expenses; and 1. Business Income (b) Costs to equip and operate the a. Business Income means the sum of the: replacement premises or tempo- (1) Net Income (Net Profit or Loss before rary locations; income taxes) that would have been b. Expenses to minimize the "suspension" of earned or incurred; plus business if you cannot continue "opera- (2) Continuing normal operating ex- tions"; or penses incurred, including payroll. c. Expenses to repair or replace property, For manufacturing risks, Net Income in- but only to the extent the amount of loss cludes the net sales value of production. that otherwise would have been payable under this Coverage Form is reduced. DX T1 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. 3. Covered Causes of Loss erations" during the "period of Covered Causes of Loss means RISKS OF restoration"; and DIRECT PHYSICAL LOSS unless the loss is (b) The actual Extra Expense you in- excluded or limited in: cur during the "period of restora- a. Section C. Exclusions or Section D. Limi- tion"; tations of the Deluxe Property Coverage caused by direct physical loss of or Form; or damage to property at the premises b. Section B. Exclusions and Limitation of of a "dependent property" located this Coverage Form; or anywhere in the world provided that no sanction, embargo or similar regu- c. In the Declarations or by endorsement. lation imposed by the United States 4. Additional Coverages of America prohibits us from covering Each of the following Additional Coverages such loss. The loss or damage to the applies subject to the Limit(s) of Insurance property must be caused by or result stated in this Coverage Form, unless a re- from a Covered Cause of Loss. vised Limit of Insurance or Not Covered is in- (2) This Additional Coverage does not dicated in the Declarations or the coverage is apply to "dependent property" for otherwise amended by endorsement: which you have more specific insur- a. Alterations and New Buildings ance under this or any other policy. We will pay for the actual loss of Busi- (3) The most we will pay in any one oc- ness Income you sustain and the actual currence under this Additional Cover- Extra Expense you incur due to direct age for loss of Business Income and physical loss or damage at the described Extra Expense arising out of damage premises caused by or resulting from a to property at the premises of a "de- Covered Cause of Loss to: pendent property" located: (1) New buildings or structures, whether (a) Within the Coverage Territory is complete or under construction; $100,000; and (2) Alterations or additions to existing (b) Anywhere in the world outside of buildings or structures; and the Coverage Territory is $100,000. (3) Machinery, equipment, supplies or building materials located on or within (4) With respect only to the insurance 1,000 feet of the described premises provided under this Additional Cover- and: age, the phrase, at the described premises, as used in the definition of (a) Used in the construction, altera- "period of restoration" is deleted and tions or additions; or replaced by the phrase at the prem- (b) Incidental to the occupancy of ises of a "dependent property". new buildings. c. Civil Authority If such direct physical loss or damage de- (1) When a Covered Cause of Loss lays the start of 'operations", the "period causes damage to property other of restoration" for Business Income cov- than property at the described prem- erage will begin on the date 'operations" ises, we will pay for the actual loss of would have begun if the direct physical Business Income you sustain and the loss or damage had not occurred. This actual Extra Expense you incur change in the start of the "period of resto- caused by action of civil authority that ration" does not apply to Extra Expense. prohibits access to the described b. Business Income From Dependent premises, provided that both of the Property following apply: (1) We will pay for: (a) Access to the area immediately (a) The actual loss of Business In- surrounding the damaged prop- come you sustain due to the nec- erty is prohibited by civil authority essary "suspension" of your "op_ as a result of the damage, and Page 2 of 13 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 01 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. the described premises are within (3) The most we will pay for all Contract that area but are not more than Penalties incurred in any one occur- 100 miles from the damaged rence under this Additional Coverage, property; and regardless of the number of contracts (b) The action of civil authority is involved is $25,000. taken in response to dangerous e. Extended Business Income physical conditions resulting from (1) Business Income Other Than the damage or continuation of the "Rental Value" Covered Cause of Loss that caused the damage, or the action If the necessary "suspension" of your is taken to enable a civil authority 'operations" produces a Business In- to have unimpeded access to the come loss payable under this Cover- damaged property. age Part, we will pay for the actual (2) Civil Authority Coverage for Business loss of Business Income you incurduring the period that: Income will begin 72 hours after the time of the first action of civil authority (a) Begins on the date property (ex- that prohibits access to the described cept "finished stock") is actually premises and will apply for a period repaired, rebuilt or replaced and of up to thirty consecutive days from "operations" are resumed; and the date on which such coverage be- (b) Ends on the earlier of: gan. (i) The date you could restore (3) Civil Authority Coverage for Extra your 'operations", with rea- Expense will begin immediately after sonable speed, to the level the time of the first action of civil au- which would generate the thority that prohibits access to the Business Income amount that described premises and will end: would have existed if no di- (a) Thirty consecutive days after the rect physical loss or damage date of that action; or had occurred; or (b) When your Civil Authority Cover- (ii) 180 consecutive days after age for Business Income ends; the date determined in (1)(a) above, unless otherwise whichever is later. stated in the Declarations or d. Contract Penalties by endorsement. (1) We will pay for Contract Penalties However, Extended Business Income you incur due to the necessary "sus- does not apply to loss of Business In- pension" of your 'operations" during come incurred as a result of unfavor- the "period of restoration". The "sus- able business conditions caused by pension" of your 'operations" must be the impact of the Covered Cause of caused by direct physical loss or Loss in the area where the described damage by a Covered Cause of Loss premises are located. to property at the described prem- Loss of Business Income must be ises, including "finished stock" and caused by direct physical loss of or personal property in the open (or in a damage to property at the described vehicle) within 1,000 feet of the de- premises caused by or resulting from scribed premises. a Covered Cause of Loss. (2) As used in this Additional Coverage, (2) "Rental Value" Contract Penalties means amounts which, under the terms of a written If the necessary "suspension" of your contract that is in effect at the time of "operations" produces a "Rental the direct physical loss or damage, Value" loss payable under this Cov- you are required to pay to your cus- erage Part, we will pay for the actual tomers for failure to deliver your loss of "Rental Value" you incur dur- products or services on time. ing the period that: DX T1 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 3 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. (a) Begins on the date property is ac- of such loss and expense sustained tually repaired, rebuilt or replaced during a period of not more than 30 and tenantability is restored; and days unless another number of days (b) Ends on the earlier of: is shown in the Declarations. The (i) The date you could restore days need not be consecutive. tenant occupancy, with rea- (3) If a covered "suspension" of "opera- sonable speed, to the level tions" is caused by a cause of loss at which would generate the the described premises other than "Rental Value" that would "fungus", wet rot or dry rot, but reme- have existed if no direct diation of resulting loss by "fungus", physical loss or damage had wet rot or dry rot prolongs the "period occurred; or of restoration", we will pay for the ac- tual loss of Business Income and the (ii) 180 consecutive days after actual Extra Expense sustained dur- the date determined in (2)(a) ing the delay (regardless of when above, unless otherwise such a delay occurs during the "pe- stated in the Declarations or riod of restoration"), but such cover- by endorsement. age is limited to a period of not more However, Extended Business Income than 30 days unless another number does not apply to loss of "Rental of days is shown in the Declarations. Value" incurred as a result of unfa- The days need not be consecutive. vorable business conditions caused (4) The Fungus, Wet Rot or Dry Rot ex- by the impact of the Covered Cause clusion in Section C.1.c. of the De- of Loss in the area where the de- luxe Property Coverage Form does scribed premises are located. not apply to the insurance specifically Loss of "Rental Value" must be provided under this Additional Cover- caused by direct physical loss or age. damage at the described premises g, Green Building Alternatives — In- caused by or resulting from a Cov- creased Period of Restoration ered Cause of Loss. If direct physical loss or damage by a f. Fungus, Wet Rot or Dry Rot — Covered Cause of Loss occurs to a build- Amended Period of Restoration ing at a described premises, we will pay (1) The coverage described in f.(2) and for the actual loss of Business Income f.(3) below only applies when "fun- you sustain and the actual Extra Expense gus", wet rot or dry rot is the result of you incur during the reasonable and nec- any of the "specified causes of loss", essary increase in the "period of restora- other than fire or lightning, that oc- tion"that is incurred to: curs at the described premises during (1) Repair or replace the lost or dam- the policy period, and only if all rea- aged portions of the building using sonable means have been used to products or materials that: save and preserve the property from further damage at the time of and af- (a) Are "green" alternatives to the ter that occurrence. products or materials of the lost (2) If the cause of loss at the described or damaged property, in accor- dance with the documented stan- premises which results in "fungus", dards of a "Green Authority"; and wet rot or dry rot does not, in itself, necessitate a "suspension" of "opera- (b) Are otherwise of comparable tions", but such "suspension" of "op - erations" is necessary due to loss or aged property; damage to property at the described and premises caused by "fungus", wet rot (2) Employ "green" methods or proc- or dry rot, then our payment for loss esses of construction, disposal or re- of Business Income and Extra Ex- cycling in the course of repair and re- pense is limited to the actual amount placement of the lost or damaged Page 4 of 13 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 01 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. building, in accordance with the ants", "fungus", wet rot or dry documented standards of a "Green rot; Authority"; or subject to a maximum of 30 additional (b) The enforcement of any ordi- days, unless another number of days is nance or law which: shown in the Declarations, from the date the "period of restoration" would other- (i) You were required to comply wise have ended. with before the loss, even if h. Ordinance or Law — Increased Period the building was undamaged; and of Restoration (1) If direct physical loss or damage by a (ii) You failed to comply with. Covered Cause of Loss occurs to (3) The Ordinance or Law exclusion in property at the described premises, Section C.1.h. of the Deluxe Property we will pay for the actual loss of Coverage Form does not apply to the Business Income you sustain and the insurance specifically provided under actual Extra Expense you incur dur- this Additional Coverage. ing the reasonable and necessary in- (4) The most we will pay for loss and ex- crease in the "period of restoration" pense in any one occurrence under caused by or resulting from the en- this Additional Coverage is $250,000. forcement of any ordinance or law S. Coverage Extensions which: (a) Regulates the construction or re- Each of the following Coverage Extensions pair of any property; applies subject to the Limit of Insurance stated in this Coverage Form, unless a differ- (b) Requires the tearing down of ent Limit of Insurance or Not Covered is indi- parts of property not damaged by cated in the Declarations, or the coverage is a Covered Cause of Loss; and otherwise amended by endorsement: (c) Is in force at the time of loss. a. Claim Data Expense However, this Additional Coverage (1) You may extend the insurance pro- applies only to the increased period vided by this Coverage Form to apply required to repair or reconstruct the to the reasonable expenses you incur property to comply with the minimum in the preparation of claim data when standards of such ordinance or law. we require it to adjust a covered loss. (2) This Additional Coverage does not This includes the cost of preparing apply to any loss caused by or result- income statements and other docu- ing from: mentation to show the extent of loss. (a) The enforcement of any ordi- (2) We will not pay for: nance or law which requires: (a) Any expenses incurred, directed (i) The demolition, repair, re- or billed by or payable to attor- placement, reconstruction, neys, insurance adjusters or their remodeling or remediation of associates or subsidiaries; property due to contamina- (b) Any costs as provided in the Ap- tion by "pollutants" or due to praisal Loss Condition; or the presence, growth, prolif- (c) Any expenses incurred, directed eration, spread or any activity or billed by or payable to insur- of "fungus", wet rot or dry rot; ance brokers or agents, or their or associates or subsidiaries, with- (i i) Requires any insured or oth- out our written consent prior to ers to test for, monitor, clean such expenses being incurred. up, remove, contain, treat, (3) The most we will pay in any one oc- detoxify or neutralize, or in currence under this Extension is any way respond to, or as- sess the effects of "pollut- $25,000. DX T1 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 5 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. b. Ingress or Egress tion) at any location you newly ac- (1) You may extend the insurance pro- quire by purchase, lease or other- vided by this Coverage Form for: wise, other than at "exhibitions". (a) The actual loss of Business In- (2) The most we will pay under this Ex- come you sustain due to the nec- tension for the sum of Business In- essary "suspension" of your "op- come loss and Extra Expense in- erations" during the "period of curred in any one occurrence is restoration"; and $500,000 at each newly acquired lo- cation. (b) The actual Extra Expense you in- during the "period of restora- (3) With respect only to the insurance cur cur provided under this Extension, the phrase, at the described premises, as to apply to the actual amount of such used in the definition of "period of loss of Business Income and Extra restoration" is deleted and replaced Expense that you incur when ingress by the phrase at a newly acquired lo- to or egress from the described prem- cation. ises is prevented (other than as pro- vided in the Civil Authority Additional (4) Insurance under this Extension for Coverage). each newly acquired location will end when any of the following first occurs: (2) The prevention of ingress to or egress from the described premises (a) This policy expires; must be caused by direct physical (b) 180 days expire after you acquire loss or damage by a Covered Cause or begin to construct the property; of Loss to property that is away from, but within 1 mile of the described (c) You report the location to us; or premises, unless a different number (d) Coverage for Business Income of miles is shown in the Declarations. and Extra Expense at the location This coverage will apply for up to 30 is more specifically insured. consecutive days from the date when We will charge you additional pre- the ingress or egress is first pre- mium for values reported from the vented. date you acquire the property. (3) The most we will pay under this Ex- d. Pollutant Cleanup and Removal tension for the sum of Business In- come loss and Extra Expense in- (1) You may extend the insurance pro- vided by this Coverage Form for: curred in any one occurrence is $25,000. (a) The actual loss of Business In- come you sustain due to the nec- essary "suspension" of your "op- (1) You may extend the insurance pro- erations" during the "period of vided by this Coverage Form for: restoration"; and (a) The actual loss of Business In- (b) The actual Extra Expense you in- come you sustain due to the nec- cur during the "period of restora- essary "suspension" of your "op- tion"; erations" during the "period of to apply to the actual amount of such restoration"; and loss of Business Income and Extra (b) The actual Extra Expense you in- Expense that you incur during the in- cur during the "period of restora- creased period of time necessarily tion"; required to extract "pollutants" from to apply to the actual amount of such land or water at the described prem- loss of Business Income and Extra ises. Expense that you incur caused by di- (2) The insurance provided under this rect physical loss or damage by a Extension applies only if the dis- Covered Cause of Loss to property charge, dispersal, seepage, migra- (including property under construc- tion, release or escape of the "pollut- Page 6 of 13 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 01 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. ants" into the land or water is caused (d) Property of others for which you by or results from direct physical loss are responsible while acting as a or damage by any of the "specified common or contract carrier, car- causes of loss"which occurs: loader, freight forwarder, freight (a) To property at the described consolidator, freight broker, ship- premises that is Covered Prop- ping association or similar ar- erty under the Deluxe Property ranger of transportation, or as a Coverage Form of this policy; and public warehou seman; (b) During the Policy Period. (e) Property within a conveyance or (3) The most we will pay under this Ex- container caused by theft whilethe conveyance or container is tension for the sum of Business In- unattended unless the portion of come loss and Extra Expense in- the conveyance or container con- curred arising out of all "specified taining the property is fully en- causes of loss" that occur during closed and securely locked, and each separate 12 month period of the theft is by forcible entry of this policy (beginning with the effec- which there is visible evidence; or tive date of this policy), is $25,000. (fl The transporting conveyance. e. Transit Business Income ( (3) With respect only to the insurance 1) You may extend the insurance pro- provided under this Extension, the vided by this Coverage Form for: phrase, at the described premises, as (a) The actual loss of Business In- used in the definition of "period of come you sustain due to the nec- restoration" is deleted and replaced essary "suspension" of your "op- by the phrase in the due course of erations" during the "period of transit. restoration"; and (4) The most we will pay under this Ex- (b) The actual Extra Expense you in- tension for the sum of Business In- cur during the "period of restora- come loss and Extra Expense in- tion"; curred in any one occurrence is to apply to the actual amount of such $25,000. loss of Business Income and Extra f. Undescribed Premises Expense that you incur caused by di- (1) You may extend the insurance pro- rect physical loss or damage by a vided by this Coverage Form for: Covered Cause of Loss to property In- while in the due course of transit at (a) The actual loss of Business In- your risk within the Coverage Terri- come you sustain due to the nec- tory. essary "suspension" of your "op- (2) This Extension does not apply to loss restoration"; during the "period of caused by or resulting from loss of or restoration ; and damage to: (b) The actual Extra Expense you in- (a) Shipments by a government cur during the "period of restora- tion"; postal service, except by regis- tered mail; to apply to the actual amount of such loss of Business Income and Extra (b) Export and import shipments Expense that you incur caused by di- while covered under an ocean rect physical loss or damage by a marine cargo or other insurance Covered Cause of Loss to property at policy; Undescribed Premises, as defined in (c) Property while waterborne except (2) below. while in transit by inland water (2) Undescribed Premises, as used in carriers or by coastwise vessels this Extension, means premises: operating within "territorial wa- ters"; (a) Owned, leased or operated by you; or DX T1 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 7 of 13 Includes copyrighted material of Insurance Services Office, Inc.with its permission. (b) Not owned, leased or operated (2) Outdoor trees, shrubs, plants, lawns by you, where your business per- (including fairways, greens and tees), sonal property or business per- artificial turf and associated under- sonal property of others in your layment, growing crops, land or wa- care custody or control is located; ter; that are within the Coverage Territory (3) Communication, radio or television and not described in the Declarations antennas (including satellite dishes), nor reported to or accepted by us for and their lead-in wiring, masts or coverage under this Coverage Form. towers; (3) This Extension does not apply to loss (4) Animals, unless the loss is caused by caused by or resulting from loss or or results from a "specified cause of damage to property: loss", and then only if, as a direct re- (a) At the premises of a "dependent sult of the "specified cause of loss", property"; the animals are killed or their death or (b) At any location to which the destruction is made necessary; or Newly Acquired Locations Cov- (5) Human body parts and fluids, includ- erage Extension applies; or ing organs, tissues, blood and cells. (c) In the due course of transit. c. Any increase of loss caused by or result- (4) The most we will pay under this Ex- ing from: tension for the sum of Business In- (1) Delay in rebuilding, repairing or re- come loss and Extra Expense in- placing the property or resuming "op- curred in any one occurrence is erations", due to interference at the $25,000. location of the rebuilding, repair or (5) With respect only to the insurance replacement by strikers or other per- provided under this Extension, the sons; or phrase at the described premises, as (2) Suspension, lapse or cancellation of used in the definition of "period of any license, lease or contract. But if restoration", is replaced by the the suspension, lapse or cancellation phrase at Undescribed Premises. is directly caused by the "suspension" B. EXCLUSIONS AND LIMITATION of 'operations", we will cover such loss that affects your Business In- The following exclusions and limitation apply in come during the "period of restora- addition to the exclusions and limitations con- tion" and any extension of the "period tained in the Deluxe Property Coverage Form. of restoration" in accordance with the 1. Exclusions terms of the Extended Business In- come Additional Coverage or any We will not pay for: variation thereof. a. Any loss caused by or resulting from: d. Any Extra Expense caused by or resulting (1) Damage or destruction of "finished from suspension, lapse or cancellation of stock"; or any license, lease or contract beyond the (2) The time required to reproduce "fin- "period of restoration". ished stock". e. Any other consequential loss including This exclusion does not apply to Extra fines and penalties, except as specifically Expense or to the insurance provided un- provided under the Contract Penalties der the Contract Penalty Additional Cov- Additional Coverage. erage. 2. Limitation — Electronic Media and Records b. Any loss caused by or resulting from di- a. We will not pay for any loss of Business rect physical loss of or damage to the fol- Income caused by direct physical loss of lowing property: or damage to electronic media and re- (1) Harvested grain, hay, straw or other cords after the longer of: crops while outside of buildings; (1) 60 consecutive days from the date of direct physical loss or damage; or Page 8 of 13 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 01 11 12 Includes copyrighted material of Insurance Services Office, Inc.with its permission. (2) The period, beginning with the date of a. Alterations and New Buildings; direct physical loss or damage, nec- b. Civil Authority; essary to repair, rebuild or replace, with reasonable speed and similar c. Extended Business Income; quality, other property at the de- d. Fungus, Wet Rot or Dry Rot — Amended scribed premises (or other location of Period of Restoration; the loss to which this insurance ap- e. Green Building Alternatives — Increased plies) which suffered loss or damage Period of Restoration; in the same occurrence. This Limitation does not apply to Extra and Expense. 2. The Ingress or Egress Coverage Extension; b. Electronic Media and Records are: are included in and do not increase the applicable (1) Electronic data processing, recording Limits of Insurance. or storage media such as hard or The remaining Additional Coverages in Section floppy disks, CDs, DVDs, flash mem- A.4. and the remaining Coverage Extensions in ory, tapes, drives, cells, data proc- Section A.S. are additional insurance. essing devices or any other reposito- D. DEDUCTIBLE ries of computer software which are 1. An hour deductible applies to your Business used with electronically controlled Income coverage. We will not pay for loss of equipment; Business Income in any one occurrence that (2) Data stored on such media; or is incurred during the period of time that: (3) Programming records used for elec- a. Begins at the time of direct physical loss tronic data processing or electroni- or damage that triggers the Business In- cally controlled equipment. come coverage; and EXAMPLE NO. 1 b. Continues for the consecutive number of A Covered Cause of Loss damages a com- hours shown in the Declarations as the puter on June 1. It takes until September 1 to applicable Business Income hour de- replace the computer, and until October 1 to ductible. restore the computer data that was lost when 2. The Business Income hour deductible de- the damage occurred. We will only pay for the scribed in 1. above does not: Business Income loss sustained during the a. Apply to or alter the coverage period that period June 1 - September 1. Loss during the applies to the Business Income coverage period September 2 - October 1 is not cov- provided under the Civil Authority Addi- ered. tional Coverage; or EXAMPLE NO. 2 b. Apply to the Contract Penalties Additional A Covered Cause of Loss results in the loss Coverage. of data processing programming records on 3. If a separate dollar deductible applies to other August 1. The records are replaced on Octo- loss or damage in that same occurrence un- ber 15. We will only pay for the Business In- der this Coverage Part, such dollar deductible come loss sustained during the period August will apply to that other loss or damage and 1 - September 29 (60 consecutive days). only the hourly deductible will apply to your Loss during the period September 30 - Octo- loss of Business Income. ber 15 is not covered. C. LIMITS OF INSURANCE 4. No deductible applies to Extra Expense. The most we will pay for loss or damage in any E. LOSS CONDITIONS one occurrence is the applicable Limit of Insur- The following conditions apply in addition to the ance shown in the Declarations, Schedules, Cov- Common Policy Conditions — Deluxe, the Loss erage Form(s), or Endorsement(s). Condition — Duties in the Event of Loss in the De- Payments under: luxe Property Coverage Form and the Additional Conditions in the Deluxe Property Coverage 1. The following Additional Coverages: Form: DX T1 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 9 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. 1. Appraisal fore the direct physical loss or dam- If we and you disagree on the amount of Net age; and Income and operating expense or the amount (4) Other relevant sources of information, of loss, either may make written demand for including: an appraisal of the loss. In this event, each (a) Your financial records and ac- party will select a competent and impartial counting procedures; appraiser. (b) Bills, invoices and other vouch- The two appraisers will select an umpire. If they cannot agree, either may request that ers; and selection be made by a judge of a court hav- ing jurisdiction. The appraisers will state b. The amount of Extra Expense will be de- separately the amount of Net Income and op- termined based on: erating expense or amount of loss. If they fail to agree, they will submit their differences to (1) All reasonable and necessary ex- the umpire. A decision agreed to by any two penses that exceed the normal oper- will be binding. Each party will: sting expenses that would have been incurred by 'operations" during the a. Pay its chosen appraiser; and "period or restoration" if no direct b. Bear the other expenses of the appraisal physical loss or damage had oc- and umpire equally. curred. We will deduct from the total If there is an appraisal, we will still retain our of such expenses: right to deny the claim. (a) The salvage value that remains 2. Duties in the Event of Loss — Additional of any property bought for tempo- Duty rary use during the "period of res- toration", once 'operations" are The following duty applies in addition to the resumed; and duties specified in the Loss Condition — Du- ties in the Event of Loss in the Deluxe Prop- (b) Any Extra Expense that is paid erty Coverage Form: for by other insurance, except for insurance that is written subject If you intend to continue your business, you to the same plan, terms, condi- must resume all or part of your 'operations" tions and provisions as this in- as quickly as possible. surance; and 3. Loss Determination (2) All reasonable and necessary ex- a. The amount of Business Income loss will penses that reduce the Extra Ex- be determined based on: pense loss that otherwise would have (1) The Net Income of the business be- been incurred. fore the direct physical loss or dam- c. Resumption of Operations age occurred; We will reduce the amount of your: (2) The likely Net Income of the business (1) Business Income loss, other than Ex- if no physical loss or damage oc- tra Expense, to the extent you can curred, but not including any Net In- resume your 'operations" in whole or come that would likely have been in part, by using damaged or undam- earned as a result of an increase in aged property (including merchandise the volume of business as a result of or "stock") at the described premises favorable business conditions caused or elsewhere and, with respect to the by the impact of the Covered Cause Business Income From Dependent of Loss on customers or on other Property Additional Coverage, by us- businesses; ing any other available source of ma- (3) The operating expenses, including terials or outlet for your products. payroll expenses necessary to re- (2) Extra Expense loss to the extent you sume 'operations" with the same can return 'operations" to normal and quality of service that existed just be- discontinue such Extra Expense. Page 10 of 13 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 01 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. d. If you do not resume "operations", or do Days 1 —30 $40,000 not resume "operations" as quickly as Days 31 —60 $20,000 possible, we will pay based on the length of time it would have taken to resume Days 61 —90 $30,000 "operations" as quickly as possible. $90,000 4. Loss Payment We will pay: We will pay for covered loss within 30 days Days 1 —30 $30,000 after we receive the sworn proof of loss, if: Days 31 —60 $20,000 a. You have complied with all of the terms of Days 61 —90 $30,000 this Coverage Part; and $80,000 b. (1) We have reached agreement with you on the amount of loss; or The remaining $10,000 is not cov- (2) An appraisal award has bee n made. ered. F. OPTIONAL COVERAGES 3. Ordinary Payroll Exclusion or Limitation If shown as applicable in the Declarations,the fol- a. When the Declarations sho ws: lowing Optional Coverages apply separately to (1) Ordinary Payroll is excluded, the each item. Business Income coverage provided 1. Maximum Period of Indemnity for continuing normal operating ex- penses incurred does not include Or- The most we will pay for the total loss of dinary Payroll; Business Income, including the Extended Business Income Additional Coverage, and (2) Ordinary payroll is limited to a speci- fied number of days, the Business In- Extra Expense is the lesser of: come coverage provided for continu- a. The amount of loss sustained and ex- ing normal operating expenses in- penses incurred during the 120 days im- curred only includes Ordinary Payroll mediately following the beginning of the for the specified number of days. The "period of restoration"; or number of days may be used in two b. The Limit of Insurance shown in the Dec- separate periods during the "period of larations. restoration". 2. Monthly Limit of Indemnity b. Ordinary payroll expenses mean payroll The most we will pay for loss of Business In- expenses for all your employees except: come, including the Extended Business In- (1) Officers; come Additional Coverage, in each period of (2) Executives; 30 consecutive days after the beginning of (3) Department managers; the period of restoration Is: a. The Limit of Insurance, multiplied by (4) Employees under contract; and b. The fraction sho wn in the Declarations for (5) Additional Exemptions, shown by en- this Optional Coverage. dorsement as: (a) Job Classifications; or EXAMPLE: When: The Limit of Insurance is: $120,000 (b) Employees. The fraction shown in the Declara- c. Ordinary payroll expenses include: tions for this Optional Coverage is: (1) Payroll; 1/4 (2) Employee benefits, if directly related The most we will pay for loss in each to payroll; period of 30 consecutive days is: (3) FICA payments you pay; $120,000 x 1/4= $30,000 (4) Union dues you pay; and If in this example, the actual amount (5) Worker's compensation premiums. of loss is: DX T1 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 11 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. G. DEFINITIONS (b) For Extra Expense coverage be- 1. "Dependent Property" means property oper- gins immediately after the time of ated by others you directly depend on to: direct physical loss or damage; a. Deliver materials or services to you, or to caused by or resulting from a Cov- others for your account (Contributing Lo- ered Cause of Loss at the described cations). But any property which delivers premises; and the following services is not a Contribut- (2) Ends on the earlier of: ing Location with respect to such ser- vices: (a) The date when the property at the described premises should be (1) Water supply services; repaired, rebuilt or replaced with (2) Power supply services; or reasonable speed and similar (3) Communication services, including quality; or services relating to internet access or (b) The date when business is re- access to any electronic, cellular or sumed at a new permanent loca- satellite network. tion. b. Accept your products or services (Recipi- b. "Period of restoration" does not include ent Locations), any increased period required due to the c. Manufacture products for delivery to your enforcement of any ordinance or law that: customers under contract of sale (Manu- (1) Regulates the construction, use or facturing Locations), or repair, or requires the tearing down, d. Attract customers to your business of any property, except as provided in (Leader Locations). the Ordinance or Law-Increased Pe- riod of Restoration Additional Cover- 2. "Finished Stock" means "stock" you have age; or manufactured. and (2) Requires any insured or others to test "Finished Stock" also includes whiskey for, monitor, clean up, remove, con- alcoholic products being aged. tain, treat, detoxify or neutralize, or in "Finished Stock" does not include "stock" you any way respond to, or assess the ef- have manufactured that is held for sale on the fects of "fungus", wet rot or dry rot, premises of any retail outlet insured under except as provided in the Fungus, this Coverage Part. Wet Rot or Dry Rot - Amended Pe- 3. "Operations" means: riod of Restoration Additional Cover- a. Your business activities occurring at the age; or described premises even if such activities (3) Requires any in sured or others to test would not have produced income during for, monitor, clean up, remove, con- the "period of restoration", such as re- tain, treat, detoxify or neutralize, or in search and development activities, and any way respond to, or assess the ef- fects of "pollutants" except as pro- b. The tenantability of the described prem- vided in the Pollutant Clean Up and ises, if coverage for Business Income in- Removal Coverage Extension. cluding "Rental Value" or "Rental Value" only applies. C. "Period of restoration" does not include any increased period required to attain a 4. "Period of Restoration" pre-loss level of "green" building certifica- a. "Period of Restoration" means the period tion from a "Green Authority". But this of time that: does not apply to any increase in the "pe- (1) (a) For Business Income coverage, riod of restoration" otherwise insured un- begins once the number of hours der the Green Buildings Alternatives — In- of the applicable Business In- creased Period of Restoration Additional come hour deductible, if any, ex- Coverage. pires following the time of direct The expiration date of this policy will not cut physical loss or damage; and short the "period of restoration". Page 12 Of 13 ©2011 The Travelers Indemnity Company.All rights reserved. DX T1 01 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. 5. "Rental Value" means Business Income that (1) Payroll; and consists of: (2) The amount of charges which are the a. Net Income (Net Profit or Loss before in- legal obligation of the tenant(s) but come taxes) that would have been would otherwise be your obligations. earned or incurred as rental income from 6. "Suspension means: tenant occupancy of the premises de- scribed in the Declarations as furnished a. The partial or complete cessation of your and equipped by you, including fair rental business activities; or value of any portion of such described b. That a part or all of the described prem- premises which is occupied by you; and ises is rendered untenantable, if coverage b. Continuing normal operating expenses for Business Income including "Rental incurred in connection with such prem- Value" or "Rental Value" only applies. ises, including: DX T1 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 13 of 13 Includes copyrighted material of Insurance Services Office,Inc.with its permission. DELUXE PROPERTY POLICY NUMBER: H-630-8W781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT LIMITED DRAIN BACK-UP COVERAGE This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE PART A. Under paragraph (1)(c) of the Water Exclusion (1) Flood, surface water, waves (includ- contained in Section C.1.1. of the Deluxe Property ing tidal wave and tsunami), tides, Coverage Form, is replaced by the following: tidal water, overflow of any body of (c) Water or sewage that backs up or overflows water, or their spray, all whether or is otherwise discharged from a sewer, driven by wind (including storm drain, sump, sump pump or related equip- surge)or not; ment, except as provided under the Limited (2) Mudslide or mudflow; Drain Back-Up Coverage; (3) Water under the ground surface B. The following coverage is added: pressing on, or flowing or seeping Limited Drain Back-Up Coverage through foundations, walls, floors, 1. Covered Causes of Loss and "specified paved surfaces or basements (whether paved or not), or doors, causes of loss" are extended to include Drain windows or other openings; or Back-Up, meaning water or sewage that backs up or overflows from any drains within (4) Waterborne material carried or oth- a building. erwise moved by any water excluded in 2.a., 2.b.(1) or 2.b.(3) above, or 2. The exclusion of loss or damage caused by carried or otherwise moved by mud- water or sewage that backs up from a sewer slide or mudflow. or drain in Section A. of this endorsement does not apply to this coverage. But we will 3. The most we will pay for loss or damage not pay for loss or damage caused by or re- caused directly or indirectly by Drain Back-Up sulting from: in any one occurrence under this coverage is the Limit of Insurance shown in the Schedule a. The emanation of water or se wage from a of this endorsement. This limit is part of, and sump or similar device designed to pre- not in addition to, the Limits of Insurance pro- vent overflow or seepage or leakage of vided in this Coverage Part. Amounts payable subsurface water; or under any coverage, including any Additional b. The emanation of water or sewage from Coverage or Coverage Extension, do not in- any drain that is itself directly or indirectly crease this limit. caused by or the result of: SCHEDULE Drain Back-Up Limit of Insurance: $ 50,000 DX T4 45 04 13 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. POLICY NUMBER: x-630-8w781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT LAW ENFORCEMENT ANIMALS This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE FORM The following coverage is added to Section A.4. Cov- that results in the death, necessary humane erage Extensions: destruction or, in the case of theft, the total Law Enforcement Animals loss of the anima Is. 1. As used in this Extension, a law enforcement 3. Under Section A.2.c. Property and Costs Not animal means an animal that participates in Covered, the exclusion of animals does not law enforcement duties for you under the di- apply to the coverage provided by this Exten- rection of your law enforcement agency and sion. its employees, and includes police dogs and 4. The insurance provided under this Extension horses from equestrian units. does not apply to loss caused by the neces- 2. We will pay for direct physical loss of your law sary humane destruction of any animal unless enforcement animals caused by any of the the humane destruction is itself made neces- following causes of loss: sary by a cause of loss listed in provision 2. above. a. Any of the "specified causes of loss"; or S. The most we will pay for loss of all law en- b. Theft, shooting, stabbing or poisoning by forcement animals in any one occurrence un- other than: der this Extension is the Limit of Insurance (1) You or your employees; shown in the Schedule below for All Law En- (2) Anyone acting under your or your forcement Animals. employees' direction or with your Subject to the All Law Enforcement Animals consent; or Limit of Insurance, the value of each animal (3) Anyone else to whom you entrust the lost in any one occurrence is agreed to be the animals; Limit of Insurance shown in the Schedule be- low for Any One Law Enforce ment Animal. SCHEDULE Law Enforcement Animals Limit of Insurance: • All Law Enforcement Animals: $ 100,000 • Any One Law Enforcement Animal: $ 25,000 DX T4 46 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. POLICY NUMBER: x-630-8w781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT PUBLIC ENTITY PROPERTY EXTENSIONS This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE FORM The following coverages are added to Section A.4. (1) Street Lights; Coverage Extensions: (2) Street Signs; 1. Confiscated Property (3) Traffic Signs and Lights; and a. The insurance that applies to Your Busi- (4) Stadium Lights. ness Personal Property is extended to b. The most we will pay for loss or damage apply to direct physical loss or damage by to any one type of property in any one a Covered Cause of Loss to personal occurrence under this Coverage Exten- property of others which you legally con- sion is the Per Occurrence Limit of Insur- fiscate in the course of your governmental ance shown in the Schedule below for authority operations. that type of property. But we will not pay b. Exclusion C.1.d. Governmental Action more for any one item of any type of does not apply to the coverage provided property than the Each Item Limit of In- by this Extension. surance shown in the Schedule below for c. The most we will pay for loss or damage that type of property. This is additional in- surance. in any one occurrence under this Cover- age Extension is the Limit of Insurance c. We will not pay for loss or damage to any shown in the Schedule below for Confis- one type of property in any one occur- rencecated Property. This is additional insur- under this Coverage Extension until ante. the total amount of the adjusted loss or damage exceeds the Ded uctible shown in 2. Municipal Property Extension the Schedule below for that type of prop- a. The insurance provided by this Coverage erty. If no deductible is shown, the De- Form is extended to apply to direct physi- ductible that otherwise applies to loss or cal loss or damage by a Covered Cause damage under the Deluxe Property Cov- of Loss to the following types of property erage Form shall apply. for which a Limit of Insurance is shown in the Schedule below, that are located off the described premises but within the ju- risdictional boundaries of your municipal- ity: SCHEDULE Confiscated Property: $ 100,000 in any one occurrence unless a higher limit is sh own:$ Per Occurrence Each Item Limit Municipal Property: Limit of Insurance of Insurance Deductible Street Lights $ 500,000 $ 100,000 $ 5,000 Street Signs $ 500,000 $ 100,000 $ 5,000 Traffic Signs and Lights $ 500,000 $ 100,000 $ 5,000 Stadium Lights $ 500,000 $ 100,000 $ 5,000 DX T4 47 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT CAUSES OF LOSS - EARTHQUAKE This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE PART A. APPLICATION OF THIS ENDORSEMENT 3. This endorsement does not apply to, or mod- 1. This endorsement applies at the premises lo- ify, any limits or deductibles that apply to: cation(s) of the building number(s) for which a. The insurance otherwise provided under an Earthquake Limit of Insurance is shown in this Coverage Part for loss or damage by the Declarations. fire or explosion that results from earth This endorsement also applies to: movement other than volcanic eruption, explosion or effusion, or for loss or dam- a. The Newly Constructed or Acquired age by fire, building glass breakage or Property Coverage Extension in the De- volcanic action that results from a vol- luxe Property Coverage Form; canic eruption, explosion or effusion; or b. The Newly Acquired Locations Coverage b. Any other insurance provided under this Extension in the Business Income (And Coverage Part for loss or damage to Extra Expense), Business Income (With- which the Earth Movement exclusion out Extra Expense) and Extra Expense does not apply. Coverage Forms; B. COVERED CAUSES OF LOSS c. The Civil Authority Additional Coverage in the Business Income (And Extra Ex- The following are added to the Covered Causes pense), Business Income (Without Extra of Loss and the "specified causes of loss": Expense) and Extra Expense Coverage 1. Earthquake, meaning a shaking or trembling Forms, but only with respect to such loss of the earth's crust, caused by underground of Business Income and/or Extra Ex- volcanic or tectonic forces or by breaking or pense incurred at the premises of the shifting of rock beneath the surface of the building number(s) for which an Earth- ground from natural causes. quake Limit of Insurance is shown in the 2. Volcanic Eruption, meaning the eruption, ex- Declarations; and plosion or effusion of a volcano. d. Utility Services — Direct Damage or Utility All earthquake shocks or volcanic eruptions that Services — Time Element coverage pro- occur within any 168-hour period will constitute a vided under this Coverage Part, if any, single Earthquake or Volcanic Eruption. The expi- but only with respect to such direct dam- ration of this policy will not reduce the 168-hour age loss or loss of Business Income period. and/or Extra Expense that is incurred at the premises of the building number(s)for C. EXCLUSIONS, LIMITATIONS AND RELATED which an Earthquake Limit of Insurance is PROVISIONS shown in the Declarations. 1. The Earth Movement exclusion contained in 2. Except as provided in A.1.a. through A.1.d. Section C.1.b. of the Deluxe Property Cover- above, this endorsement does not apply to age Form does not apply to the coverage loss or damage caused by or resulting from provided under this endorsement. The re- Earthquake or Volcanic Eruption that occurs maining Exclusions and the Limitations that away from the premises location(s) of the apply to this Coverage Part apply to the cov- building number(s) for which an Earthquake erage provided under this endorsement. For Limit of Insurance is shown in the Declara- example, loss caused directly or indirectly by tions. a cause of loss excluded under provisions (1)(a) through (1)(e) of the Water exclusion DX T3 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 4 Includes copyrighted material of Insurance Services Office,Inc.with its permission. contained in Section C.1.1. of the Deluxe E. LIMITS OF INSURANCE Property Coverage Form, such as flood or 1. The most we will pay under this endorsement tidal wave, is excluded even if the flood or for the total of all loss or damage caused by tidal wave is attributable to an Earthquake or or resulting from all earthquakes and volcanic Volcanic Eruption. eruptions in a 12 month period of this policy 2. The following additional exclusions apply to (beginning with the effective date of this pol- the coverage provided under this endorse- icy) is the single highest Annual Aggregate ment: Limit of Insurance shown in the Declarations a. We will not pay for loss or damage for Earthquake. caused by or resulting from any earth- Subject to the single highest Annual Aggre- quake or volcanic eruption that begins be- gate Limit of Insurance shown in the Declara- fore the inception of this insurance. tions for Earthquake: b. We will not pay for the cost of restoring or a. Any individual Annual Aggregate Limit of stabilizing land or for loss resulting from Insurance shown in the Declarations for the time required to restore or stabilize Earthquake is the most we will pay under land. this endorsement for the total of all loss or 3. The following additional Limitation applies to damage caused by or resulting from all the coverage provided by this endorsement: earthquakes and volcanic eruptions in a 12 month period of this policy (beginning We will not pay for loss of or damage to exte- with the effective date of this policy) to rior masonry veneer (except stucco) on wood which such individual Annual Aggregate frame walls caused by or resulting from Limit of Insurance shown in the Declara- Earthquake or Volcanic Eruption. The value tions for Earthquake applies. of such veneer will not be included in the value of Covered Property or the amount of b. If more than one Annual Aggregate Limit loss when applying the Deductible applicable of Insurance applies to loss or damage to this endorsement. under this endorsement in any one occur- rence, each limit will be applied sepa- This limitation does not apply: rately, but the most we will pay under this a. If less than 10% of the total outside wall endorsement for all loss or damage in area is faced with masonry veneer (ex- that occurrence is the single highest in- cluding stucco); or volved Annual Aggregate Limit of Insur- b. At any premises location(s) of the building ance applicable to that occurrence. number(s) to which the Cause of Loss — c. The most we will pay under this en- Earthquake Masonry Veneer Coverage dorsement for the total of: endorsement applies, as indicated in the (1) All loss or damage under the Newly Schedule of that endorsement when it is Constructed or Acquired Property attached to this policy. Coverage Extension in the Deluxe D. UNDERGROUND WIRES, PIPES, FLUES AND Property Coverage Form; and DRAINS EXTENSION (2) All loss under the Newly Acquired Under the Deluxe Property Coverage Form, when Locations Coverage Extension in the Building coverage applies at premises locations Business Income (And Extra Ex- to which this endorsement applies, the insurance pense), Business Income (Without provided by this endorsement is extended to also Extra Expense) and Extra Expense apply to direct physical loss or damage by Earth- Coverage Forms; quake or Volcanic Eruption to underground wires, caused by or resulting from all earth- pipes, flues and drains at such premises loca- quakes and volcanic eruptions in a 12 tions. The exclusion of underground wires, pipes, month period of this policy (beginning flues and drains under Section A.2., Property and with the effective date of this policy) is Costs Not Covered, of the Deluxe Property Cov- $100,000. erage Form does not apply to this Extension. The Annual Aggregate Limit(s) of Insurance This Extension does not increase the Earthquake applicable to loss or damage under this en- Limit of Insurance that applies at such premises dorsement is included in and does not in- locations. crease the Limits of Insurance provided under Page 2 of 4 ©2011 The Travelers Indemnity Company.All rights reserved. DX T3 01 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. this Coverage Part. For example, subject to (2) The building and to personal property the applicable Earthquake Annual Aggregate in that building, if both sustain loss or Limit(s) of Insurance, our payment for loss damage; under any Utility Services —Direct Damage or (3) Personal property at each building, if Utility Services —Time Element coverage that personal property at two or more is attributable to an Earthquake or Volcanic buildings sustains loss or damage; Eruption to which this endorsement applies will not exceed the Limit of Insurance that ap- (4) Personal property in the open; and plies to that Utility Services — Direct Damage (5) Any other property insured under this or Utility Services —Time Element coverage. Coverage Part. 2. The Annual Aggregate Limit(s) of Insurance b. In determining the amount, if any, that we applicable to loss or damage under this en- will pay for loss or damage, we will de- dorsement applies regardless of the items or duct an amount equal to 1%, 2%, 5% or types of property, number or types of cover- 10% (as shown in the Declarations) of: ages (including business income and extra expense coverages) or number of premises (1) The Limit of Insurance applicable to each item of insurance that has sus- locations involved. Amounts payable under this endorsement for any item or type of tained loss or damage when specific insurance applies to that item of in- property, or under any coverage, Additional surance, meaning a separate Limit of Coverage or Coverage Extension, are subject to the Annual Aggregate Limit(s) of Insurance Insurance applies only to that item of insurance (for example, each building applicable to loss or damage under this en- or personal property in a building); or dorsement, and will not: a. Exceed the applicable property and cov- (2) The value of each item of insurance erage Limits of Insurance provided under that has sustained loss or damage this Coverage Part; nor when blanket insurance applies to that item of insurance, meaning a b. Increase the applicable Annual Aggregate single Limit of Insurance applies to Limit(s) of Insurance under this endorse- two or more items of insurance (for ment. example, a building and personal This includes payments under any Debris property in that building or two build- Removal or Ordinance or Law coverage for ings). The value to be used is the loss that is attributable to earthquake or vol- value shown in the most recent canic eruption at premises locations to which Statement of Values on file with us. If this endorsement applies, and covered as a there is no value on file with us for result of the insurance provided under this the item of insurance property, we will endorsement. use the value(s) of the property at the time of loss. F. DEDUCTIBLES The following Deductible provisions apply to the For newly constructed or acquired prop- erty to which the Newly Constructed or insurance provided by this endorsement. The De- Acquired Property Coverage Extension in ductible(s) applicable to loss or damage under the Deluxe Property Coverage Form ap- this endorsement apply separately to each occur- plies, we will deduct an amount equal to a rence and apply in addition to any other Deducti- percentage of the value of each item of bles in this Coverage Part that apply to loss or insurance at the time of loss. The appli- damage in the same occurrence. cable percentage used will be the highest 1. Percent Deductible percentage that applies at the premises If a percentage (%) is shown in the Declara- location of any building number for which tions as applicable, the following applies: a percentage Deductible is shown in the Declarations. a. This Deductible is calculated separately for, and applies separately to each of the c. When the percentage Deductible shown following items of insurance: in the Declarations is subject to: (1) Each building, if two or more build- (1) A minimum dollar amount in any one ings sustain loss or damage; occurrence; or DX T3 01 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 3 of 4 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (2) A minimum dollar amount in any one 3. Hour Deductible occurrence at each premises loca- When an hour Deductible is stated in the tion; Declarations, the following is applicable to the percentage Deductible will be calcu- your Business Income Coverage to which this lated as described in 1.a. and 1.b. above, endorsement applies: but the minimum amount we will deduct in We will not pay for loss of Business Income in any one occurrence, or in any one occur- any one occurrence that you incur during the rence at each premises location (as indi- period of time that: cated in the Declarations), is the mini- mum dollar amount sho wn in the Declara- a. Begins at the time of direct physical loss tions. or damage by Earthquake or Volcanic d. We will not pay for loss or damage in any Eruption that triggers the Business In- one occurrence under this endorsement come coverage; and until the amount of loss or damage ex- b. Continues for the consecutive number of ceeds the applicable Deductible. We will hours shown in the Declarations as the then pay the amount of loss or damage in applicable Business Income hour De- excess of the Deductible, up to the appli- ductible. cable Limits of Insurance. The Deductible applicable to Business In- c. Dollar Deductible come coverage at locations to which the When: Newly Acquired Locations Coverage Exten- a. A dollar amount in any one occurrence; or sion in the Business Income (and Extra Ex- pense) Coverage Form or Business Income b. A dollar amount in any one occurrence at (Without Extra Expense) Coverage Form ap- each premises location; plies, is the highest hour Deductible shown in is shown as the applicable Deductible in the the Declarations for any premises location to Declarations, we will not pay for loss or dam- which this endorsement applies. age in any one occurrence, or in any one oc- 4. No Deductible applies to Extra Expense. currence at each premises location (as indi- cated in the Declarations), until the amount of S. When a Deductible is shown in the Declara- loss or damage exceeds the applicable De- tions for Utility Service — Direct Damage cov- ductible shown in the Declarations. We will erage or Utility Services —Time Element cov- then pay the amount of loss or damage in ex- erage, that Deductible will apply to the insur- cess of the Deductible, up to the applicable ance provided under the Utility Service — Limits of Insurance. Direct Damage coverage or Utility Services — When no percentage Deductible applies to Time Element coverage for loss that is attrib- the insurance provided under this endorse- utable to an Earthquake or Volcanic Eruption ment, the Deductible applicable to newly ac- to which this endorsement applies. Other- quired or constructed property to which the wise, the above Deductible provisions apply Newly Constructed or Acquired Property to loss under the Utility Service — Direct Dam- Coverage Extension in the Deluxe Property age coverage or Utility Services — Time Ele- Coverage Form applies is the highest dollar ment coverage that is attributable to an Deductible shown in the Declarations for the Earthquake or Volcanic Eruption to which this premises location of any building number to endorsement applies. which this endorsement applies. Page 4 of 4 ©2011 The Travelers Indemnity Company.All rights reserved. DX T3 01 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT CAUSES OF LOSS - BROAD FORM FLOOD This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE PART A. APPLICATION OF THIS ENDORSEMENT or damage to any personal property in or on 1. When a Broad Form Flood Limit of Insurance such building or structure. is shown in the Declarations for a building The following listing of Flood Zones and number, this endorsement applies at the communities, as classified under the National premises location(s) of such building num- Flood Insurance Program, is in order of the ber(s) for which a Broad Form Flood Limit of most hazardous to least hazardous: Insurance is shown. a. Flood Zone V and Flood Zones prefixed 2. When a Broad Form Flood Limit of Insurance V; is shown in the Declarations for property at b. Flood Zone A and Flood Zones prefixed the described premises within a Flood Zone A; or a non-participating or suspended commu- nity (as classified under the National Flood c. Flood Zone D; Insurance Program), this endorsement ap- d. Non-Participating or Suspended commu- plies at the premises described in the Decla- nities; rations for coverage under this Coverage Part e. Flood Zone B, Flood Zone X (shaded) with respect to covered loss resulting from and Flood Zone X-500; "flood" to buildings, structures or personal f. Flood Zone C and Flood Zone X (un- property in the open within such Flood shaded). Zone(s) or community(ies) for which a Broad Form Flood Limit of Insurance is shown, or to 3. This endorsement also applies to: personal property at the described premises a. The Newly Constructed or Acquired in or on the buildings or structures within such Property Coverage Extension in the De- Flood Zone(s) or community(ies). luxe Property Coverage Form, regardless If, at the time of loss, a building, a structure or of the Flood Zone or community in which personal property in the open is located within the property is located; more than one Flood Zone or community, b. The Newly Acquired Locations Coverage coverage under this endorsement for loss or Extension in the Business Income (And damage to, or loss that is a consequence of Extra Expense), Business Income (With- loss or damage to that building, structure or out Extra Expense) and Extra Expense personal property in the open will be subject Coverage Forms, regardless of the Flood to the insurance, Annual Aggregate Limit of Zone or community in which the newly Insurance and deductible, if any, that would acquired locations are located; apply under this policy if that building, struc- c. The Civil Authority Additional Coverage in ture or personal property in the open was the Business Income (And Extra Ex- wholly located within the most hazardous of pense), Business Income (Without Extra the Flood Zones or communities, as stated Expense) and Extra Expense Coverage below, in which it is located. The most haz- Forms, regardless of the Flood Zone or ardous Flood Zone or community that is de- community in which the "flood" loss that termined to apply to a building or structure will triggers the coverage occurs, but only also apply with respect to the coverage under with respect to such loss of Business In- this endorsement for loss or damage to, or come and/or Extra Expense that you in- loss or damage that is a consequence of loss DX T3 02 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 5 Includes copyrighted material of Insurance Services Office,Inc.with its permission. cur at the premises described in A.1. or date of this policy and the "flood" occurrence ex- A.2. above; and tends beyond the expiration date of this policy, d. Utility Services — Direct Damage or Utility the expiration date of this policy will not reduce Services — Time Element coverage pro- the "flood" occurrence period. vided under this Coverage Part, if any, C. FLOOD DEFINED regardless of the Flood Zone or commu- The following is added to the Section J., Defini- nity in which the "flood" loss to the utility tions, in the Deluxe Property Coverage Form: services property that triggers the cover- "Flood" means the following, all whether naturally age occurs, but only with respect to such direct damage loss or loss of Business occurring or due to man-made or other artificial Income and/or Extra Expense that is in- causes, and includes waterborne material carried red at the premises described in A.1. or otherwise moved by any of the water referred cur or red above. to in paragraphs 1., 3. and 4. below and material carried or otherwise moved by mudslide or mud- 4. Except as provided in A.3.a. through A.3.d. flow: above, this endorsement does not apply to 1. Flood, surface water, waves (including tidal loss or damage caused by or resulting from "flood" that occurs away from the premises wave and tsunami), tides, tidal water, over- described in A.1. and A.2. above. flow of any body of water, or spray from any of these, all whether driven by wind (including S. This endorsement does not apply to, or mod- storm surge) or not; ify, any limits or deductibles that apply to: 2. Mudslide or mudflow; a. The insurance otherwise provided under this Coverage Part for loss or damage by: 3. Water or sewage that backs up, overflows or is otherwise discharged from a sewer, drain, (1) Fire, explosion or sprinkler leakage sump, sump pump or related equipment that results from "flood"; or (other than the backup or overflow of water or (2) Water or sewage from drains within a sewage from drains within a building to which building if the backup or overflow is the exception in provision (c) of the Water ex- not otherwise directly or indirectly clusion in Section C.1.1. of the Deluxe Prop- caused by Water that is excluded in erty Coverage Form applies); and provisions (a), (b), (d) or (e) of the 4. Water under the ground surface pressing on, Water exclusion in Section C.1.1. of or flowing or seeping through: the Deluxe Property Coverage Form; a. Foundations, walls, floors or paved sur- or faces; b. Any other insurance provided under this b. Basements, whether paved or not; or Coverage Part for loss or damage to which the Water exclusion in Section c. Doors, windows or other openings. C.1.1. of the Deluxe Property Coverage D. EXCLUSIONS, LIMITATIONS AND RELATED Form does not apply. PROVISIONS B. COVERED CAUSES OF LOSS 1. Under the Exclusions contained in Section "Flood" is added to the Covered Causes of Loss C.1. of the Deluxe Property Coverage Form: and the "specified causes of loss". a. Exclusion b., Earth Movement, does not All "flood" loss that occurs: apply to the insurance otherwise provided under this endorsement for loss or dam- 1. During a continuous or protracted event, such age caused by or resulting from: as a period of continued rising or overflow of any river(s), stream(s) or any body(ies) of wa- (1) Mudslide or mudflow that is caused ter and the subsidence of same within the by or precipitated by the accumula- banks of such river(s), stream(s) or body(ies) ur or runoffface of the ground; water on or below the s of water; or surround; or 2. Due to any tidal wave or series of tidal waves (2) "Flood" that is attributable to an Earth that occur within any 168 hour period; Movement, such as tsunami, but this exception does not apply to loss or will constitute a single "flood" occurrence. If damage caused by or resulting from "flood" loss commences prior to the expiration Page 2 of 5 C 2011 The Travelers Indemnity Company.All rights reserved. DX T3 02 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. any excluded Earth Movement that Constructed or Acquired Property results from such "Flood". Coverage Extension in the Deluxe b. Exclusion I.,Water, does not apply to the Property Coverage Form applies. coverage provided under this endorse- b. If the property is eligible to be written un- ment. der a National Flood Insurance Program The remaining Exclusions and the Limitations (NFIP) policy, we will pay only for the that apply to this Coverage Part apply to the amount of loss in excess of the maximum coverage provided under this endorsement. limit that can be insured under that NFIP 2. The following additional exclusions apply to policy. This provision applies whether or the coverage provided under this endorse- not the maximum NFIP limit was obtained ment: or maintained, and whether or not you can collect on the NFIP policy. a. We will not pay for loss or damage c, The Deductible provisions applicable to caused by or resulting from any flood the coverage provided under this en- occurrence that begins before the incep- dorsement apply in addition to any appli- tion of this insurance. cable Excess of Loss Limitation. b. We will not pay for the cost of restoring, E. UNDERGROUND WIRES, PIPES, FLUES AND recovering or de-watering land or for loss DRAINS EXTENSION resulting from the time required to re- store, recover or de-water land. Under the Deluxe Property Coverage Form, when 3. The following LIMITATION is added as re- Building coverage applies at premises locations spects coverage provided by this endorse- to which this endorsement applies, the insurance provided by this endorsement is extended to also ment: apply to direct physical loss or damage by "flood" EXCESS OF LOSS LIMITATION to underground wires, pipes, flues and drains at a. Unless otherwise indicated in the Decla- such premises locations. The exclusion of under- rations or by endorsement, this Excess of ground wires, pipes, flues and drains under Sec- Loss Limitation applies to the coverage tion A.2., Property and Costs Not Covered, of the provided for direct physical loss of or Deluxe Property Coverage Form does not apply damage to: to this Extension. (1) Buildings, structures and personal This Extension does not increase the Broad Form property in the open which are: Flood Limit of Insurance that applies at such (a) Covered Property at the premises premises locations. described in Section A.1. and F. LIMITS OF INSURANCE A.2. of this endorsement, or 1. The most we will pay under this endorsement newly constructed or acquired for the total of all loss or damage caused by property to which the Newly Con- or resulting from "flood" in a 12 month period structed or Acquired Property of this policy (beginning with the effective Coverage Extension in the De- date of this policy) is the single highest An- luxe Property Coverage Form nual Aggregate Limit of Insurance shown in applies; and the Declarations for Broad Form Flood. (b) Located, in whole or in part, in Subject to the single highest Annual Aggre- Flood Zone A, Flood Zones pre- gate Limit of Insurance shown in the Declara- fixed A, Flood Zone V or Flood tions for Broad Form Flood: Zones prefixed V, as classified a. Any individual Annual Aggregate Limit of under the National Flood Insur- Insurance shown in the Declarations for ance Program at the time of loss; Broad Form Flood is the most we will pay and under this endorsement for the total of all loss or damage caused by or resulting (2) Personal property which is Covered from all "flood" occurrences in a 12 month Property located in or on a building or period of this policy (beginning with the structure described in (1) above, and effective date of this policy) to which such personal property to which the Newly individual Annual Aggregate Limit of In- DX T3 02 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 3 of 5 Includes copyrighted material of Insurance Services Office,Inc.with its permission. surance shown in the Declarations for applicable to loss or damage under this en- Broad Form Flood applies. dorsement, and will not: b. If more than one Annual Aggregate Limit a. Exceed the applicable property and cov- of Insurance applies to loss or damage erage Limits of Insurance provided under under this a ndorsement in any one occur- this Coverage Part; nor rence, each limit will be applied sepa- b. Increase the applicable Annual Aggregate rately, but the most we will pay under this Limit(s) of Insurance under this endorse- endorsement for all loss or damage in ment. that occurrence is the single highest in- volved Annual Aggregate Limit of Insur- This includes payments under any Debris ance applicable to that occurrence. Removal or Ordinance or Law coverage for loss that is attributable to "flood" at premises c. The most we will pay under this en- locations to which this endorsement applies, dorsement for the total of: and covered as a result of the insurance pro- (1) All loss or damage under the Newly vided under this endorsement. Constructed or Acquired Property G. DEDUCTIBLES Coverage Extension in the Deluxe Property Coverage Form, and The following Deductible provisions apply to the insurance provided by this endorsement. The De- (2) All loss under the Newly Acquired ductible(s) applicable to loss or damage under Locations Coverage Extension in the this endorsement apply separately to each occur- Business Income (And Extra Ex- rence and apply in addition to any other Deducti- pense), Business Income (Without bles in this Coverage Part that apply to loss or Extra Expense) and Extra Expense damage in the same occurrence. Coverage Forms; 1. Dollar Deductible caused by or resulting from all "flood" oc- currences in a 12 month period of this When: policy (beginning with the effective date of a. A dollar amount in any one occurrence; or this policy) is $100,000. b. A dollar amount in any one occurrence at The Annual Aggregate Limit(s) of Insurance each premises location, applicable to loss or damage under this en- is shown as the applicable deductible in the dorsement is included in and does not in- Declarations, we will not pay for loss or dam- crease the Limits of Insurance provided under age in any one occurrence, or in any one oc- this Coverage Part. For example, subject to currence at each premises location (as indi- the applicable Broad Form Flood Annual Ag- cated in the Declarations), until the amount of gregate Limit(s) of Insurance, our payment for loss or damage exceeds the applicable De- loss under any Utility Services — Direct Dam- ductible shown in the Declarations. We will age or Utility Services —Time Element cover- then pay the amount of loss or damage in ex- age that is attributable to "flood" to which this cess of the Deductible, up to the applicable endorsement applies will not exceed the Limit Limits of Insurance. of Insurance that applies to that Utility Ser- vices — Direct Damage or Utility Services — The Deductible applicable to newly acquired Time Element coverage. or constructed property to which the Newly 2. The Annual Aggregate Limit(s) of Insurance Constructed or Acquired Property Coverage applicable to loss or damage under this en- Extension in the Deluxe Property Coverage dorsement applies regardless of the items or Form applies is the highest dollar deductible shown in the Declarations for any premises types of property, number or types of cover-ages (including business income and extra location to which this endorsement applies. expense coverages) or number of premises 2. Hour Deductible locations involved. Amounts payable under When an hour Deductible is stated in the this endorsement for any item or type of Declarations, the following is applicable to property, or under any coverage, Additional your Business Income Coverage to which this Coverage or Coverage Extension, are subject endorsement applies: to the Annual Aggregate Limit(s) of Insurance Page 4 of 5 ©2011 The Travelers Indemnity Company.All rights reserved. DX T3 02 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. We will not pay for loss of Business Income in the Declarations for any premises location to any one occurrence that you incur during the which this endorsement applies. period of time that: 3. No Deductible applies to Extra Expense. a. Begins at the time of direct physical loss 4. When a Deductible is shown in the Declara- or damage by "flood" that triggers the tions for Utility Service — Direct Damage cov- Business Income coverage; and erage or Utility Services —Time Element cov- b. Continues for the consecutive number of erage, that Deductible will apply to the insur- hours shown in the Declarations as the ance provided under the Utility Service — Di- applicable Business Income hour de- rect Damage coverage or Utility Services — ductible. Time Element coverage for loss that is attrib- The Deductible applicable to Business In- utable to "flood" to which this endorsement come coverage at locations to which the applies. Otherwise, the above Deductible Newly Acquired Locations Coverage Exten- provisions apply to loss under the Utility Ser- sion in the Business Income (and Extra Ex- vice — Direct Damage coverage or Utility Ser- pense) Coverage Form or Business Income vices — Time Element coverage that is attrib- (Without Extra Expense) Coverage Form ap- utable to "flood" to which this endorsement plies, is the highest hour Deductible shown in applies. DX T3 02 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 5 of 5 Includes copyrighted material of Insurance Services Office, Inc.with its permission. POLICY NUMBER: H-630-8W781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT CAUSES OF LOSS - EQUIPMENT BREAKDOWN This endorsement modifies insurance provided under the Deluxe Property Coverage Part. A. ADDITIONAL COVERED CAUSE OF LOSS — direct result of the same cause will also EQUIPMENT BREAKDOWN be considered one Equipment Break- Covered Causes of Loss and "specified causes of down. loss" are extended to include Equipment Break- 2. Covered Equipment down, meaning a Breakdown to Covered Equip- a. Covered Equipment means equipment of ment as defined and lim ited in this endorsement. a type listed in provision 2.b. below that 1. Breakdown is: a. Breakdown means: (1) At any of the following locations: (1) Failure of pressure or vacuum (a) At or within 1,000 feet of the de- equipment; scribed premises; or (2) Mechanical failure, including rupture (b) At any of the following locations, or bursting caused by centrifugal but only to the extent that cover- force; or age for direct physical loss or (3) Electrical failure, including arcing; damage to Covered Property at such locations or for Business In- that causes physical damage to Covered come and/or Extra Expense re- Equipment and necessitates its repair or sulting from direct physical loss replacement. or damage to property at such lo- b. Breakdown does not mean or include: cations is otherwise specifically (1) Malfunction including but not limited insured and limited under this to adjustment, alignment, calibration, Coverage Part: cleaning or modification; (i) Newly acquired or con- (2) Leakage at any valve, fitting, shaft structed property locations, or seal, gland packing, joint or connec- within 1,000 feet of such lo- tion; cations; (3) Damage to any vacuum tube, gas (ii) Undescribed premises; or tube, or brush; (iii) "Dependent property" loca- (4) Damage to any structure or founda- tions; tion supporting the Covered Equip- and ment or any of its parts; (2) (a) Owned or leased by you or oper- (5) The functioning of any safety or pro- ated under your control; or tective device; or (b) Owned or leased by, or operated (6) The cracking of any part on an inter- under the control of others who nal combustion gas turbine exposed own, lease or operate the unde- to the products of combustion. scribed premises or "dependent c. If an initial Equipment Breakdown causes property" locations where the in- other Equipment Breakdowns, all will be surance provided under this Cov- considered one Equipment Breakdown. erage Part applies; All Equipment Breakdowns that manifest and themselves at the same time and are the DX T3 19 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. (3) Not otherwise excluded under provi- (10) Felt, wire, screen, mold, form, pat- sion 2.c. below. tern, die, extrusion plate, swing b. Covered Equipment includes the follow- hammer, grinding disc, cutting blade, ing types of equipment: non-electrical cable, chain, belt, rope, (1) Equipment designed and built to op- clutch plate, brake pad, non-metal part or any part or tool subject to pe- erate under internal pressure or vac- riodic replacement; uum other than weight of contents; ( (2) Electrical or mechanical equipment 11) Astronomical telescope, cyclotron, nuclear reactor, particle accelerator, that is used in the generation, trans- satellites and/or spacecraft (including mission or utilization of energy; and satellite or spacecraft contents and/or (3) Fiber optic cable. their launch sites); c. Covered Equipment does not mean or in- (12) Computer equipment or electronic clude any: data processing equipment unless (1) Electronic data processing, recording used to control or operate production- or storage media such as films, type machinery or other equipment tapes, discs, drums or cells; that is Covered Equipment; (2) Part of pressure or vacuum equip- (13) Equipment or any part of such ment that is not under internal pres- equipment manufactured by you for sure of its contents or internal vac- sale; or uum; (14) Equipment while in the due course of (3) Insulating or refractory material; transit. (4) Non-metallic pressure or vacuum B. EQUIPMENT BREAKDOWN COVERAGE EX- equipment, unless it is constructed TENSIONS and used in accordance with the 1. Spoilage American Society of Mechanical En- a. Under the Deluxe Property Coverage gineers (A.S.M.E.) code or a Code Form, the insurance that applies to Your that has been accepted by the Na- Business Personal Property and Personal tional Board of Boiler and Pressure Property of Others is extended to apply to Vessel Inspectors; direct physical loss or damage to such (5) Catalyst; Covered Property that is: (6) Pressure vessels and piping that are (1) Maintained under controlled condi- buried below ground and require the tions for its preservation; and excavation of materials to inspect, (2) Susceptible to loss or damage if the remove, repair or replace; controlled conditions change; (7) Structure, foundation, cabinet or due to spoilage resulting from lack or ex- compartment supporting or contain- cess of power, light, heat, steam or re- ing the Covered Equipment or part of frigeration that is caused solely by a the Covered Equipment including Breakdown to Covered Equipment. penstock, draft tube or well casing; (8) Vehicle, aircraft, self-propelled Insurance under this Coverage Extension includes the reasonable expense you in- equipment or floating vessel, includ- cur to reduce or avert the spoilage loss or ing any equipment mounted on or damage, but only to the extent the used solely with any vehicle, aircraft, amount of loss otherwise payable under self-propelled equipment or floating this Coverage Extension is reduced. vessel; b. The most we will pay for loss or damage (9) Dragline, power shovel, excavation or under this Coverage Extension arising out construction equipment including any of any one Equipment Breakdown is the equipment mounted on or u sed solely Spoilage Limit of Insurance shown in the with any dragline, power shovel, ex- cavation or construction equipment; Schedule of this endorsement. This limit is part of and not in addition to the Limit of Page 2 of 6 ©2011 The Travelers Indemnity Company.All rights reserved. DX T3 19 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. Insurance that applies to the lost or dam- 2. The following additional Exclusions apply to aged Covered Property. the insurance provided by this endorsement: c. We will not pay for any loss or damage We will not pay for loss or damage cau sed di- under this Coverage Extension that re- rectly or indirectly by any of the following. sults from your failure to use due dili- Such loss or damage is excluded regardless gence and dispatch and all reasonable of any other cause or event that contributes means to protect the property from spoil- concurrently or in any sequence to the loss. age damage following a Breakdown to a. Lack or excess of power, light, heat, Covered Equipment. steam or refrigeration. But this Exclusion 2. Utility Services Property does not apply to: a. Subject to provision 2.b. below, Covered (1) Business Income coverage or Extra Equipment is extended to include equip- Expense coverage; or ment, wherever located within the Cover- (2) The Spoilage Coverage Extension or age Territory,that is: Utility Services Property Coverage (1) Owned, operated or controlled by a Extension; local public or private utility or dis- b. Hydrostatic, pneumatic or gas pressure tributor that directly generates, testing of any boiler, fired vessel or elec- transmits, distributes or provides util- trical steam generator; or ity services to the described prem- c. Insulation breakdown testing of any type ises; and of electrical or electronic equipment. (2) Used to supply water, communication D. EQUIPMENT BREAKDOWN LIMITATIONS or power services to the described All of the Limitations that apply to this Coverage premises. Part apply to loss or damage under this endorse- b. This Coverage Extension applies: ment, except as follows: (1) Only with respect to; and 1. Under the Limitations contained in Section D. of the Deluxe Property Coverage Form, Limi- (2) Subject to the Limit(s) of Insurance tations 1.a. and 1.b. do not apply. that apply to; 2. The following additional Limitations apply to the insurance, if any, otherwise provided the insurance provided by this endorsement. under this Coverage Part for loss or dam- These Limitations are included in, and do not age caused by an interruption of power or increase the applicable Limit(s) of Insurance. other utility service supplied to the de- a. Ammonia Contamination Limitation scribed premises caused by or resulting from a Covered Cause of Loss to the util- The most we will pay for loss or damage ity services equipment described in 2.a. to property caused by ammonia contami- above. nation that directly results from a Break- down to Covered Equipment is the Am- C. EQUIPMENT BREAKDOWN EXCLUSIONS monia Contamination Limit of Insurance All of the Exclusions that apply to this Coverage shown in the Schedule of this endorse- Part apply to loss or damage under this endorse- ment. ment, except as follows: This limitation does not apply to Business 1. Under the Exclusions contained in Section C. Income coverage or to Extra Expense of the Deluxe Property Coverage Form, the coverage. following Exclusions do not apply: b. Hazardous Substance Limitation a. Exclusion C.2.d. Electrical Damage or If as a direct result of a Breakdown to Disturbance; Covered Equipment, property is Jam- b. Exclusion C.2.i.(6) mechanical break- aged, contaminated or polluted by a sub- stance, other than ammonia, that is de- down under the Other Type of Losses clared to be hazardous to health by a Exclusion; and governmental agency, the Hazardous c. Exclusion C.2.e. Explosion. Substance Limit of Insurance shown in DX T3 19 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 3 of 6 Includes copyrighted material of Insurance Services Office,Inc.with its permission. the Schedule of this endorsement is the a. Dollar Deductible most we will pay for: If a dollar deductible is shown in the (1) Any additional expenses you incur to Schedule, we will not pay for loss or clean up, repair, replace or dispose of damage until the amount of loss or dam- any such property that is Covered age to which the deductible applies ex- Property under this Coverage Part; ceeds the applicable dollar deductible. and We will then pay the amount of loss or (2) Any increase in loss of Business In- damage in excess of the dollar deducti- come or Extra Expense due to the ble, up to the applicable Limit of Insur- additional time required to clean up, ance. repair, replace or dispose of the b. Time Period Deductible property, provided Business Income or Extra Expense loss resulting from If a time period deductible is shown in the damage to such property is otherwise Schedule, we will not pay for any loss to insured against under this Coverage which the deductible applies that occurs Part. Subject to the Hazardous Sub- during the specified time period immedi- stance Limit of Insurance, the term ately following a Breakdown to Covered "period of restoration", as used in the Equipment. Business Income and/or Extra Ex- c. Average Daily Value Deductible pense insurance provided under this Coverage Part is extended to include If an average daily value deductible is this additional period of time. shown in the Schedule, this deductible As used in this Limitation, additional ex- will be calculated as fol lows: penses and increase in loss mean ex- (1) For all of the described premises penses and loss incurred beyond the ex- where you incur Business Income or penses and loss for which we would have Extra Expense loss due to a Break- been liable had no substance declared to down to Covered Equipment, deter- be hazardous to health by a governmen- mine the total amount of Business In- tal agency been involved. come that would have been earned E. EQUIPMENT BREAKDOWN LIMITS OF IN- or incurred by you during the "period SURANCE of restoration" had no Breakdown to 1. The insurance provided under this endorse- Covered Equipment occurred. ment for loss or damage caused by or result- (2) Divide the amount determined in ing from Equipment Breakdown is included in, paragraph (1) by the number of days and does not increase the Covered Property, the business would have been open Business Income, Extra Expense and other during the "period of restoration". The coverage Limits of Insurance that otherwise result is the av erage daily value. apply under this Coverage Part. (3) Multiply the average daily value in 2. Payments under the Equipment Breakdown paragraph (2) by the Multiple of Av- Coverage Extensions will not increase the erage Daily Value shown in the applicable Limit(s) of Insurance. Schedule. We will first subtract this F. EQUIPMENT BREAKDOWN DEDUCTIBLE deductible amount from any loss we 1. Unless otherwise indicated in the Schedule of would otherwise pay. We will then this endorsement, the insurance provided un- pay the amount of loss or damage in der this endorsement for loss or damage excess of the deductible, up to the caused by or resulting from Equipment applicable Limit of Insurance. Breakdown is subject to the deductibles that d. Percentage of Loss Deductible otherwise apply under this Coverage Part. If a deductible is expressed as a percent- 2. When one or more separate deductibles are i age of loss in the Schedule, we will not be indicated in the Schedule of this endorse- ment, each such deductible shall be applied liable for the indicated percentage of the gross amount of loss or damage insured separately to the applicable coverage for which the deductible is indicated, as follows: under the applicable coverage. Page 4 of 6 C 2011 The Travelers Indemnity Company.All rights reserved. DX T3 19 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. G. EQUIPMENT BREAKDOWN ADDITIONAL 1. Your last known addres s; or CONDITION 2. The address where the Covered Equipment is The following Additional Condition applies to the located. insurance provided under this endorsement: Once suspended in this way, such insurance can Suspension only be reinstated by a written endorsement is- If any Covered Equipment is found to be in, or sued by us. If we suspend your insurance, you exposed to a dangerous condition, any of our rep- will get a pro rata refund of premium for that Cov- resentatives may immediately suspend the insur- ered Equipment. But the suspension will be effec- ance provided by this endorsement for loss or tive even if we have not yet made or offered a re- damage caused by or resulting from a Breakdown fund. to that Covered Equipment. This can be done by delivering or mailing a notice of suspension to: DX T3 19 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 5 of 6 Includes copyrighted material of Insurance services Office,Inc.with its permission. EQUIPMENT BREAKDOWN SCHEDULE Limits of Insurance: • Spoilage: $25,000 unles s a higher amount is sho wn: $ 500,000 • Ammonia Contamination: $25,000 unles s a higher amount is sho wn: $ 250,000 • Hazardous Substance: $25,000 unles s a higher amount is sho wn: $ 250,000 Deductible Exceptions: Deluxe Property Coverage Part Deductibles apply to loss or damage under this en- dorsement, except as follows: Direct Damage to Power Generating Equipment $25,000 "Power Generating Equipment" means any pressure, mechanical or electrical equipment, machinery or apparatus that is used in, or associated with, the generation of electric power. "Power Generating Equipment" does not mean any equipment, machinery or apparatus with less than or equal to 1000 kilowatts of capacity, which is used solely to generate emergency power. Direct Damage to Transformers $5 per kVa subject to a $25,000 minimum Page 6 of 6 ©2011 The Travelers Indemnity Company.All rights reserved. DX T3 19 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. POLICY NUMBER: H-630-8W781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT ADDITIONAL COVERED PROPERTY This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE FORM The property described in the Schedule below is with- damage to that property in any one occurrence. If a drawn from Paragraph A.2. Property And Costs Not Limit of Insurance is not shown in the Schedule below Covered and added to Covered Property. for any property described in the Schedule, the most When a Limit of Insurance is shown in the Schedule we will pay for loss or damage to that property in any below for any property described in the Schedule, that one occurrence is the applicable Covered Property Limit of Insurance is the most we will pay for loss or Limit of Insurance sh own in the Declarations. SCHEDULE Prem. Loc. Bldg. Description of Property Limit of Insurance No. No. 35 76 FENCING $ $114,750 74 178 FENCING 100,000 78 182 FENCING 4,500 DX T3 62 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT UTILITY SERVICES - DIRECT DAMAGE This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE FORM A. Coverage tricity, steam or gas to the described prem- If indicated in the Declarations, we will pay for ises: loss of or damage to Covered Property at the de- a. Utility generating plants; scribed premises caused by the interruption of b. Switching stations; utility service to the described premises. The in- terruption of utility service must result from direct c. Substations; physical loss or damage by a Covered Cause of d. Transformers; and Loss to any of the Utility Supply Services Proper- e. Transmission lines. ties defined in Section B. below, if such property is indicated in the Declarations and is: Coverage does not include loss caused by or 1. Located away from the described premises; resulting from loss or damage to Overhead Transmission Lines unless Included or a or separate Limit of Insurance is shown in the 2. Located at the described premises and used Declarations for Overhead Transmission to supply the utility service to the described Lines. premises from a source away from the de- C. Deductible scribed premises. We will not pay for loss or damage in any one oc- B. Utility Supply Services Properties currence until the amount of loss or damage ex- 1. Water Supply Services Property, meaning ceeds the applicable Deductible stated in the the following types of property supplying wa- Declarations. We will then pay the amount of loss ter to the described premises: or damage in excess of the Deductible up to the a. Pumping stations; and applicable Limit of Insurance. b. Water mains. D. Limits of Insurance 2. Communication Supply Services Property, The most we will pay for loss or damage in any meaning the following types of property sup- one occurrence is the applicable Utility Services — plying communication services, including tele- Direct Damage Limit of Insurance stated in the phone, radio, microwave or television ser- Declarations. vices, to the described premises, such a s: If a separate Limit of Insurance is shown in the a. Communication transmission lines, in- Declarations for Overhead Transmission Lines, cluding optic fiber transmission lines; that limit is the most we will pay for loss or Jam- b. Coaxial cables; and age in any one occurrence resulting from loss or damage to Overhead Transmission Lines to c. Microwave radio relays except satellites. which this coverage applies. This applies even if Coverage does not include loss caused by or this coverage applies to both Communication resulting from loss or damage to Overhead Supply Services Property and Power Supply Ser- Transmission Lines unless Included or a vices Property. separate Limit of Insurance is shown in the The Limit(s) of Insurance applicable to this en- Declarations for Overhead Transmission dorsement are part of, and not in addition to, the Lines. applicable Covered Property Limit(s) of Insur- 3. Power Supply Services Property, meaning ance. the following types of property supplying elec- DX T3 85 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT UTILITY SERVICES-TIME ELEMENT This endorsement modifies insurance provided under the following: DELUXE BUSINESS INCOME (AND EXTRA EXPENSE) COVERAGE FORM DELUXE BUSINESS INCOME (WITHOUT EXTRA EXPENSE) COVERAGE FORM DELUXE EXTRA EXPENSE COVERAGE FORM A. Coverage Declarations for Overhead Transmission If indicated in the Declarations, your coverage for Lines. Business Income and/or Extra Expense, as pro- 3. Power Supply Services Property, meaning vided under the applicable Coverage Form, is ex- the following types of property supplying elec- tended to apply to the actual amount of such of tricity, steam or gas to the described prem- Business Income and/or Extra Expense that you ises: incur caused by the interruption of utility service a. Utility generating plants; to the described premises. The interruption of util- ity service must result from direct physical loss or b. Switching stations; damage by a Covered Cause of Loss to any of c. Substations; the Utility Services Properties defined in Section d. Transformers; and B. below, if such property is indicated in the Dec- larations and is: e. Transmission lines. 1. Located away from the described premises; Coverage does not include loss caused by or or resulting from loss or damage to Overhead 2. Located at the described premises and used Transmission Lines unless Included or a to supply the utility service to the described separate Limit of Insurance is shown in the premises from a source away from the de- Declarations for Overhead TransmissionLines. scribed premises. B. Utility Service Properties C. Deductible The hour deductible that applies to Utility Ser- f. Water Supply Services Property, meaning vices —Time Element is indicated in the Declara- the following types of property supplying wa- tions. We will only pay for loss of Business In- ter to the described premises: come you sustain after the number of consecutive a. Pumping stations; and hours indicated in the Declarations following the b. Water mains. direct physical loss or damage to the Utility Ser- vices Property to which this endorsement applies. 2. Communication Supply Services Property, This deductible does not apply to Extra Expense. meaning the following types of property sup- plying communication services, including D. Limits of Insurance telephone, radio, microwave or television ser- The most we will pay for loss or damage in any vices, to the described premises, such a s: one occurrence is the applicable Utility Services — a. Communication transmission lines, in- Time Element Limit of Insurance stated in the cluding optic fiber transmission lines; Declarations. This limit is part of, and not in addi- b. Coaxial cables; and tion to, the Limit(s) of Insurance that apply to Business Income and/or Extra Expense at the c. Microwave radio relays except satellites. described premises. Coverage does not include loss caused by or If a separate Limit of Insurance is shown in the resulting from loss or damage to Overhead Declarations for Overhead Transmission Lines, Transmission Lines unless Included or a that is the most we will pay for loss or damage in separate Limit of Insurance is shown in the any one occurrence resulting from loss or dam- DX T3 86 11 12 ©2011 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. age to Overhead Transmission Lines to which this erty. This limit is part of, and not in addition to, the coverage applies. This applies, even if this cover- Utility Services —Time Element Limit of Insurance age applies to both Communication Supply Ser- stated in the Declarations. vices Property and Power Supply Services Prop- Page 2 of 2 ©2011 The Travelers Indemnity Company.All rights reserved. DX T3 86 11 12 Includes copyrighted material of Insurance Services Office,Inc.with its permission. DELUXE PROPERTY THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE PART The federal Terrorism Risk Insurance Act of 2002 as In no event, however, will the Federal Government be amended ("TRIA") establishes a program under which required to pay any portion of the amount of such the Federal Government may partially reimburse Insured Losses occurring in a calendar year that in "Insured Losses" (as defined in TRIA) caused by the aggregate exceeds $100 billion, nor will any "Acts Of Terrorism" (as defined in TRIA). "Act Of Insurer be required to pay any portion of such amount Terrorism" is defined in Section 102(1) of TRIA to provided that such Insurer has met its Insurer mean any act that is certified by the Secretary of the Deductible. Therefore, if such Insured Losses Treasury — in consultation with the Secretary of occurring in a calendar year exceed $100 billion in the Homeland Security and the Attorney General of the aggregate, the amount of any payments by the United States — to be an act of terrorism; to be a Federal Government and any coverage provided by violent act or an act that is dangerous to human life, this policy for losses caused by Acts Of Terrorism property, or infrastructure; to have resulted in damage may be reduced. within the United States, or outside the United States The charge for such Insured Losses under this in the case of certain air carriers or vessels or the Coverage Part is included in the Coverage Part premises of a United States Mission; and to have premium. The charge for such Insured Losses that been committed by an individual or individuals as part has been included for this Coverage Part is indicated of an effort to coerce the civilian population of the below, and does not include any charge for the United States or to influence the policy or affect the portion of such Insured Losses covered by the conduct of the United States Government by Federal Government under TRIA: coercion. The Federal Government's share of compensation for 0 7% of your total Deluxe Property Coverage Part such Insured Losses is 80% of the amount of such premium if your primary location is in a Designated City (as listed below). Insured Losses in excess of each Insurer's "Insurer Deductible" (as defined in TRIA), subject to the • 3% of your total Deluxe Property Coverage Part "Program Trigger" (as defined in TRIA). premium if your primary location is not in a Designated City (as listed below). DX T4 02 01 21 ©2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Includes copyrighted material of Insurance Services Office,Inc.with its permission. DELUXE PROPERTY Designated Cities are: Albuquerque, NM El Paso,TX Miami, FL San Antonio,TX Atlanta, GA Fort Worth,TX Milwaukee,WI San Diego, CA Austin, TX Fresno, CA Minneapolis, MN San Francisco, CA Baltimore, MD Honolulu, HI Nashville-Davidson,TN San Jose, CA Boston, MA Houston,TX New Orleans, LA Seattle,WA Charlotte, NC Indianapolis, IN New York, NY St. Louis, MO Chicago, IL Jacksonville, FL Oakland, CA Tucson,AZ Cleveland, OH Kansas City, MO Oklahoma City, OK Tulsa, OK Colorado Springs, CO Las Vegas, NV Omaha, NE Virginia Beach,VA Columbus, OH Long Beach, CA Philadelphia, PA Washington, DC Dallas, TX Los Angeles, CA Phoenix,AZ Wichita, KS Denver, CO Memphis,TN Portland, OR Detroit, MI Mesa,AZ Sacramento, CA Page 2 of 2 C 2020 The Travelers Indemnity Company.All rights reserved. DX T4 02 01 21 Includes copyrighted material of Insurance Services Office,Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT DIGITAL ASSETS EXCLUSIONS - DIGITAL CURRENCY AND NON-FUNGIBLE TOKENS This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE PART A. The following is added to Paragraph 2. Property DELUXE EXTRA EXPENSE COVERAGE FORM, and Costs Not Covered of Section A. if any such coverage form is part of your policy: COVERAGE of the DELUXE PROPERTY We will not pay for any loss caused by or COVERAGE FORM: resulting from loss of or damage to: Covered Property also does not include: (1) Any"digital currency"; or (1) Any"digital currency"; or (2) Any"non-fungible token". (2) Any"non-fungible token". D. The following are added to Section J. B. The following is added to any definition of DEFINITIONS of the DELUXE PROPERTY "money", "securities"and"fine arts": COVERAGE FORM: This definition does not include: "Digital currency" means any exclusively digital, 1 An di electronic or virtual currency, including crypto ( ) y"digital currency";° or currency, that is a representation of value and (2) Any"non-fungible token". may be used as a medium of exchange or held C. The following exclusion is added to Paragraph 1. as an investment. Exclusions of Section B. Exclusions and "Non-fungible token" means any unique or Limitations of the DELUXE BUSINESS INCOME semi-unique unit of data, digital file or token or (AND EXTRA EXPENSE) COVERAGE FORM, other digital identifier that is recorded in a digital DELUXE BUSINESS INCOME (WITHOUT ledger, such as a blockchain. EXTRA EXPENSE) COVERAGE FORM or DX TS 21 01 23 ©2022 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 POLICY NUMBER: H-630-8W781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DELUXE PROPERTY COVERAGE PART AMENDATORY ENDORSEMENT ELECTRONIC VANDALISM LIMITATION AND OTHER CHANGES This endorsement modifies insurance provided under the following: DELUXE PROPERTY COVERAGE PART SCHEDULE Electronic Vandalism Limit of Insurance, aggregate in any 12-month period of this policy: $ 10,000 unless a higher limit is shown: $ This endorsement restricts the insurance provided B. UTILITY SERVICES AND SPOILAGE - under this Coverage Part for direct physical loss or ELECTRONIC VANDALISM CHANGES damage caused by or resulting from "electronic 1. The following replaces the Utility Services vandalism" and for loss that is a consequence of such direct physical loss or damage. Exclusion in Section C.1.i. of the DELUXE PROPERTY COVERAGE FORM : A. LIMITATION—ELECTRONIC VANDALISM The following LIMITATION is added: i. Utility Services The failure or fluctuation of power, The most we will pay for all loss or damage communication, water or other utility caused directly or indirectly by or resulting from service supplied to the described "electronic vandalism" in any one policy year, premises, however caused, if the failure commencing with the inception date of this or fluctuation: endorsement, is the Electronic Vandalism Limit of Insurance shown in the Schedule of this (1) Originates away from the described endorsement. This Electronic Vandalism Limit of premises; or Insurance applies regardless of the number of (2) Originates at the described premises, locations, items or types of property or coverages but only if such failure or fluctuation or Coverage Forms involved and is part of, and involves equipment used to supply does not increase the Limits of Insurance the utility service to the described provided under this policy. premises from a source away from But if"electronic vandalism" results in a "specified the described premises. cause of loss", other than: Failure or fluctuation of any utility service 1. Vandalism that is "electronic vandalism"; or includes lack of sufficient capacity and reduction in supply. Communication 2. Equipment breakdown when, and to the services include service relating to extent, it is otherwise specifically added as a Internet access or access to any "specified cause of loss" under this Coverage electronic, cellular or satellite network. Part; Exceptions: this Limitation will not apply to the resulting loss or damage caused by that "specified cause of (1) If the failure or fluctuation of power, loss". communication, water or other utility service results in a Covered Cause of This Limitation does not create coverage for any Loss, other than "electronic loss or damage that would not otherwise be vandalism", this exclusion does not covered under this Coverage Part, including any apply to the loss or damage caused loss or damage subject to the exclusions in by that Covered Cause of Loss. Section B. below. DX T3 98 01 23 ©2022 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 (2) This exclusion does not apply to the total of all applicable deductible amounts applied insurance provided under any Utility in any one occurrence of"electronic vandalism" to Service — Direct Damage, Utility which insurance under this Coverage Part applies Service — Time Element or Spoilage be less than $1,000. coverage for loss or damage caused D. ELECTRONIC VANDALISM DEFINED by the failure or fluctuation of power, communication, water or other utility "Electronic vandalism" means: service supplied to the described 1. Willful or malicious destruction of computer premises when the failure or programs, content, instructions or other fluctuation: electronic or digital data stored within (a) Originates away from the computer systems. described premises; or 2. Unauthorized computer code or programming (b) Originates at the described that: premises and involves equipment a. Deletes, distorts, corrupts or manipulates used to supply the utility service computer programs, content, instructions to the described premises from a or other electronic or digital data, or source away from the described otherwise results in damage to computers premises. or computer systems or networks to But all other Exclusions and Limitations which it is introduced; applicable to this Coverage Part, b. Replicates itself, impairing the including the "Electronic Vandalism" performance of computers or computer Limitation in Section A. above and the systems or networks; below exclusions applicable to Utility Services and Spoilage coverages, c. Gains remote control access to data and continue to apply to such loss or damage programming within computers or to which these Exceptions apply. computer systems or networks to which it is introduced, for uses other than those 2. Under any: intended for authorized users of the a. Utility Services—Direct Damage; computers or computer systems or b. Utility Services—Time Element; and networks; or c. Spoilage; d. Introduces a virus, harmful code or similar instruction into or enacted on a coverage provided under this Coverage Part computer system (including electronic the following exclusion is added: data) or a network to which it is We will not pay for loss or damage caused connected, designed to damage or directly or indirectly by "electronic vandalism". destroy any part of the system or disrupt This exclusion applies regardless of any other its normal operation. cause or event that contributes concurrently 3. Any other unauthorized access to or use of or in any sequence to the loss. This exclusion computers or computer systems or networks, applies whether or not the loss event results including data and programming within such in widespread damage or affects a computers or computer systems or networks. substantial area. 4. A denial of service attack that restricts, C. ELECTRONIC VANDALISM MINIMUM prevents or disrupts access to or use of any DEDUCTIBLE computer, computer system or network, or The following deductible provision is added and otherwise disrupts the normal functioning or applies to all coverages, including Extra Expense: operation of any computer, computer system The DEDUCTIBLE provisions of this Coverage or network. Part continue to apply. But in no event will the Page 2 of 2 ©2022 The Travelers Indemnity Company.All rights reserved. DX T3 98 01 23 COMMERCIAL INLAND MARINE COMMERCIAL INLAND MARINE iA► TRAVELERS J One Tower Square, Hartford, Connecticut 06183 COMMERCIAL INLAND MARINE POLICY NUMBER: H-630-8W781959-TIL-24 COVERAGE PART DECLARATIONS ISSUE DATE: 10-10-24 INSURING COMPANY: TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA DECLARATIONS PERIOD: From 10-01-24 to 10-01-25 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Commercial Inland Marine Coverage Part consists of these Declarations, the Commercial Inland Marine Conditions Form and the Coverage Forms shown below. MISCELLANEOUS PROPERTY COVERAGE FORM I. COVERAGE AND LIMITS OF INSURANCE A. Covered Property Covered Property consists of the following when indicated by an 'X' below: 1. 0 Scheduled Items: ❑ As shown on the Miscellaneous Property Item Schedule, which includes the Limit Of Insurance applying to each listed item. 0 As shown on the most current schedule on file with us. The amount shown on such schedule for each item is the Limit Of Insurance applying to that item. Total Limit Of Insurance For All Scheduled Items: $ 964,063 2. ❑ Blanket Items: a. Total Limit Of Insurance For All Unlisted Items: $ b. Limit Of Insurance For Any One Unlisted Item: $ c. Description Of Unlisted Items: 3. Total Limit Of Insurance For Scheduled And Blanket Items: $ 964,063 B. Coverage Extensions: Limits of Insurance 1. Fire Protective Systems: $ 75,000 2. Newly Acquired Property: $ 25,000 3. Preservation Of Property Expense: $ 5,000 4. Valuable Papers And Records: $ 50,000 C. Additional Coverages: 1. Claim Data Expense: $ 5,000 2. Debris Removal Increased Limit: $ 75,000 3. Fire Or Police Department Service Charge: $ 25,000 4. Pollutant Cleanup And Removal: $ 25,000 5. Reward Coverage: $ 2,500 CM TO 01 07 86 C 2018 The Travelers Indemnity Company.All rights reserved. Page 1 of 2 Order#CM BO 72 02 18 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PRODUCER: VE589 HUB INTERNATIONAL OFFICE: SAN ANTONIO-EAST 24T COMMERCIAL INLAND MARINE II. Deductible A. Deductible applying to all covered loss or damage unless a more specific Deductible for the covered loss or damage is shown in B. below or elsewhere in this policy: $ 1,000 B. Deductible applying to covered loss or damage caused by or resulting from Flood or Earthquake when indicated by an 'X' belo w: ❑ Flood Deductible: $ or % subject to $ minimum and $ maximum ❑ Earthquake Deductible: $ or % subject to $ minimum and $ maximum III. Optional Replacement Cost Valuation applies when indicated by an 'X' below: ❑ Replacement Cost IV. Optional Agreed Value Valuation applies when indicated by an 'X' below: ❑ Agreed Value V. Coinsurance The following coinsurance applies when indicated by an W: ❑ 100% ❑ 90% x❑ 80% ❑ No Coinsurance Applies VI. Premium: Premium: $ 1,803 Minimum Earned Premium: $ NOT APPLICABLE NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. CM TO 01 07 86 ©2018 The Travelers Indemnity Company.All rights reserved. Page 2 of 2 Order#CM BO 72 02 18 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PRODUCER: VE589 HUB INTERNATIONAL OFFICE: SAN ANTONIO-EAST 24T i TRAVELERS!' One Tower Square, Hartford, Connecticut 06183 MISCELLANEOUS PROPERTY COVERAGE POLICY NUMBER: H-630-8W781959-TIL-24 ISSUE DATE: 10-10-24 DEDUCTIBLE SCHEDULE The applicable Deductible shown in the Declarations applies except as shown below: WATER PIPE BLUE LAKES/CANYON SP. VALUE $150,000 - $25,000 DEDUCTIBLE CM BO 74 01 16 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1(END) Includes copyrighted material of Insurance Services Office,Inc.with its permission. AWSk TRAVELERS J One Tower Square, Hartford, Connecticut 06183 COMMERCIAL INLAND MARINE POLICY NUMBER: H-630-8W781959-TIL-24 COVERAGE PART DECLARATIONS ISSUE DATE: 10-10-24 INSURING COMPANY: TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA DECLARATIONS PERIOD: From 10-01-24 to 10-01-25 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Commercial Inland Marine Coverage Part consists of these Declarations, the Commercial Inland Marine Conditions Form and the Coverage Forms shown below. CONTRACTORS EQUIPMENT COVERAGE FORM I. COVERAGE AND LIMITS OF INSURANCE A. Covered Property Covered Property consists of the following indicated by an 'X': 1. X❑ Scheduled Equipment: ❑ As shown on the Contractors Equipment Item Schedule, which includes the Limit of Insurance applying to each listed item of equipment. ❑X As shown on the most current schedule on file with us. The amount shown on such schedule for each item of equipment is the Limit of Insurance applying to that item. Total Limit Of Insurance For All Scheduled Equipment: $ 4,121,190 2. ❑X Unscheduled Owned Equipment Total Limit Of Insurance For All Unscheduled Owned Equipment: $ 500,000 Limit Of Insurance For Any One Unscheduled Owned Item Of Equipment: $ 25,000 3. X❑ Unscheduled Equipment Owned By Others Limit Of Insurance For Any One Unscheduled Item Of Equipment Leased, Rented Or Borrowed From Others: $ 500,000 4. ❑ Equipment While Leased, Rented Or Loaned To Others Limit Of Insurance For Any One Item Of Equipment Leased, Rented Or Loaned To Others: $ B. Total Limit Of Insurance For All Items Of Equipment In Any One Occurrence: $ 5,121,190 II. DEDUCTIBLE Deductible applying to all covered loss or damage indicated by an 'X' below unless a more specific Deductible for the covered loss or damage is shown elsewhere in this policy: RI Dollar Deductible: $ 1,000 ❑ Percent Deductible: % subject to$ minimum and $ maximum III. VALUATION AND COINSURANCE A. Valuation The following Valuation applies to the applicable Covered Property: 1. Scheduled Equipment Actual Cash Value Valuation applies unless replaced by the Optional Valuation indicated by an X. ❑ Replacement Cost ❑ Agreed Value ❑ Valuation Determined By Age Of The Equipment—Number of Years: CM TO 01 07 86 Order#CM BO 96 01 21 Page 1 of 2 ©2021 The Travelers Indemnity Company.All rights reserved. Includes copyrighted material of Insurance Services Office,Inc.with its permission. PRODUCER: HUB INTERNATIONAL VE589 OFFICE: SAN ANTONIO-EAST 24T (1) Replacement Cost applies to equipment manufactured up to the number of years indicated above; and (2) Actual Cash Value applies to equipment manufactured over the number of years indicated above. 2. Unscheduled Owned Equipment: Actual Cash Value Valuation applies unless replaced by the Optional Valuation indicated by an X. ❑ Replacement Cost Valuation ❑ Valuation Determined By Age Of The Equipment—Number of Years: (1) Replacement Cost applies to equipment manufactured up to the number of years indicated above; and (2) Actual Cash Value applies to equipment manufactured over the number of years indicated above. B. Coinsurance The following coinsurance applies to Scheduled Items when indicated by an 'X': ❑ 100% ❑ 90% x❑ 80% ❑ No Coinsurance Applies IV. PREMIUM A. Premium The following Premium options apply when indicated by an 'X'. ❑R Scheduled and Unscheduled Owned Equipment ❑x Non Reporting Premium: $ 6,978 ❑ Premium Adjustment Premium Base: Values Premium Adjustment Period: Annual Estimated Premium Base Amount: $ Annual Rate Per$100: $ Inception Premium: $ Adjustment Rate Per$100: $ x❑ Leased Or Rented From Others ❑x Non Reporting Premium: $ 1,060 ❑ Premium Adjustment Premium Base: Expenditures Premium Adjustment Period: Annual Estimated Premium Base Amount: $ Inception Premium: $ Adjustment Rate Per$100: $ Total Premium Due At Inception: $ 8,038 B. ❑ Minimum Earned Premium: $ NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE ATTACHED AS A SEPARATE LISTING. CM TO 01 07 86 Order#CM BO 96 01 21 Page 2 of 2 ©2021 The Travelers Indemnity Company.All rights reserved. Includes copyrighted material of Insurance Services Office,Inc.with its permission. PRODUCER: HUB INTERNATIONAL VE589 OFFICE: SAN ANTONIO-EAST 24T / TRAVELERS!' One Tower Square, Hartford, Connecticut 06183 CONTRACTORS EQUIPMENT POLICY NUMBER:H-630-8W781959-TIL-24 SUPPLEMENTAL DECLARATIONS ISSUE DATE:10-10-24 I. COVERAGE AND LIMITS OF INSURANCE Limit Of Insurance A. Coverage Extensions Business Personal Property In Job Trailers: $ 10,000 Document And Data Restoration Costs: $ 50,000 Fire Protective Systems: $ 75,000 Hauling Property Of Others: $ 100,000 Newly Acquired Equipment—Per Item: $ 250,000 Rental Costs: a. Any One Item: $ 5,000 b. Any One Occurrence: $ 25,000 Upgrades To Covered Property: $ 25,000 B. Additional Coverages Limit Of Insurance Claim Data Expenses: $ 5,000 Continuing Rental Payments: a. Any One Item: $ 5,000 b. Any One Occurrence: $ 25,000 Contract Penalty: $ 25,000 Debris Removal Increased Limit: $ 75,000 Employee Tools, Equipment And Clothing: a. Any One Item: $ 11000 b. Any One Employee: $ 2,500 c. Any One Occurrence: $ 51000 Errors Or Unintentional Omissions: $ 100,000 Expediting Expenses: $ 25,000 Expendable Supplies: $ 10,000 Fire Or Police Department Service Charge: $ 25,000 Lost Warranty Or Service Contract: $ 10,000 Pollutant Clean Up And Removal: $ 25,000 Preservation Of Property Expense: $ 50,000 Reward Coverage: $ 2,500 Tracking System Deductible Waiver Amount: $ 10,000 CM BO 97 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. PRODUCER: HUB INTERNATIONAL VE589 OFFICE: SAN ANTONIO-EAST 24T TABLE OF CONTENTS COMMERCIAL INLAND MARINE COVERAGE PART The following indicates the contents of the principal forms which may be attached to your policy. It contains no reference to the Declarations or Endorsements which also may be attached. Beginning on Page COMMERCIAL INLAND MARINE CONDITIONS Loss Conditions A. Abandonment 1 B. Appraisal 1 C. Duties In The Event Of Loss 1 D. Insurance Under Two Or More Coverages 1 E. Loss Payment 1 F. Other Insurance 2 G. Pair, Sets Or Parts 2 H. Recovered Property 2 I. Reinstatement Of Limit After Loss 2 J. Transfer Of Rights Of Recovery Against Others To Us 2 General Conditions A. Concealment, Misrepresentation Or Fraud 2 B. Control Of Property 2 C. Legal Action Against Us 2 D. No Benefit To Bailee 3 E. Policy Period, Coverage Territory 3 F. Valuation 3 INLAND MARINE COVERAGE FORM(S) A. Coverage 1. Covered Property 2. Property Not Covered Page 3. Covered Causes Of Loss 4. Additional Coverage —Collapse (If Applicable) No. 5. Coverage Extensions (If Any) Varies B. Exclusions C. Limits of Insurance By D. Deductible E. Additional Conditions Form F. Definitions CM TO 11 08 05 Page 1 of 1 COMMERCIAL INLAND MARINE COMMERCIAL INLAND MARINE CONDITIONS The following conditions apply in addition to the set the damaged property aside and in the Common Policy Conditions and applicable Additional best possible order for examinat ion. Conditions in Commercial Inland Marine Coverage S. You will not, except at your own cost, volun- Forms: tarily make a payment, assume any obliga- LOSS CONDITIONS tion, or incur any expense without our con- A. Abandonment sent. There can be no abandonment of any property to 6. As often as may be reasonably required, us. permit us to inspect the property proving the loss or damage and examine your books and B. Appraisal records. If we and you disagree on the value of the prop- Also permit us to take samples of damaged erty or the amount of loss, either may make writ- and undamaged property for inspection, test- ten demand for an appraisal of the loss. In this ing and analysis, and permit us to make cop- event, each party will select a competent and ies from your books and records. impartial appraiser. The two appraisers will select an umpire. If they cannot agree, either may re- �• We may examine any insured under oath, quest that selection be made by a judge of a while not in the presence of any other insured court having jurisdiction. The appraisers will state and at such times as may be reasonably re- separately the value of the property and amount re- quired, about any matter relating to this in- of loss. If they fail to agree, they will submit their surance or the claim, including an insured's differences to the umpire. A decision agreed to books and records. In the event of an exami- by any two will be binding. Each party will: nation, an insured's answers must be signed. 1. Pay its chosen appraiser; and 8. Send us a signed, sworn proof of loss con- taining the information we request to settle 2. Bear the other expenses of the appraisal and the claim. You must do this within 60 days af- ter our request. We will supply you with the If there is an appraisal, we will still retain our right necessary forms. to deny the claim. 9. Immediately send us copies of any demands, C. Duties In The Event Of Loss notices, summonses or legal papers received You must see that the following are done in the in connection with the claim or suit. event of loss or damage to Covered Property: 10. Cooperate with us in the investigation or set- 1. Notify the police if a law may have been bro- tlement of the claim. ken. D. Insurance Under Two Or More Coverages 2. Give us prompt notice of the loss or damage. If two or more of this policy's coverages apply to Include a description of the property involved. the same loss or damage, we will not pay more 3. As soon as possible, give us a description of than the actual amount of the loss or damage. how, when and where the loss or damage oc- E. Loss Payment curred. 1. We will give notice of our intentions within 30 4. Take all reasonable steps to protect the Cov- days after we receive the sworn proof of loss. ered Property from further damage, and keep 2. We will not pay you more than your financial a record of your expenses necessary to pro- interest in the Covered Property. tect the Covered Property, for consideration in the settlement of the claim. This will not in- 3. We may adjust losses with the owners of lost crease the Limit of Insurance. However, we or damaged property if other than you. If we will not pay for any subsequent loss or dam- pay the owners, such payments will satisfy age resulting from a cause of loss that is not your claim against us for the owners' prop- a Covered Cause of Loss. Also, if feasible, erty. We will not pay the owners more than CM 00 01 09 04 Page 1 of 3 COMMERCIAL INLAND MARINE their financial interest in the Covered Prop- H. Recovered Property ertyy• If either you or we recover any property after loss 4. We may elect to defend you against suits settlement, that party must give the other prompt arising from claims of owners of property. We notice. At your option, the property will be re- will do this at our expense. turned to you. You must then return to us the 5. We will pay for covered loss or damage amount we paid to you for the property. We will within 30 days after we receive the sworn pay recovery expenses and the expenses to re- proof of loss if you have complied with all the pair the recovered property, subject to the Limit terms of this Coverage Part and: of Insurance. a. We have reached agreement with you on I. Reinstatement Of Limit After Loss the amount of the loss; or The Limit of Insurance will not be reduced by the b. An appraisal award has been made. payment of any claim, except for total loss or damage of a scheduled item, in which event we 6. We will not be liable for any part of a loss will refund the unearned premium on that item. that has been paid or made good by others. F. Other Insurance J. Transfer Of Rights Of Recovery Against Others To Us 1. You may have other insurance subject to the If any person or organization to or for whom we same plan, terms, conditions and provisions make payment under this Coverage Part has as the insurance under this Coverage Part. If rights to recover damages from another, those you do, we will pay our share of the covered rights are transferred to us to the extent of our loss or damage. Our share is the proportion payment. That person or organization must do that the applicable Limit of Insurance under everything necessary to secure our rights and this Coverage Part bears to the Limits of In- must do nothing after loss to impair them. But surance of all insurance covering on the you may waive your rights against another party same basis. in writing: 2. If there is other insurance covering the same 1. Prior to a loss to your Covered Property. loss or damage, other than that described in 1. above, we will pay only for the amount of 2. After a loss to your Covered Property only if, covered loss or damage in excess of the at time of loss, that party is one of the follow- amount due from that other insurance, ing: whether you can collect on it or not. But we a. Someone insured by this insurance; or will not pay more than the applicable Limit of b. A business firm: Insurance. G. Pair, Sets Or Parts (1) Owned or controlled by you; or 1. Pair Or Set (2) That owns or controls you. In case of loss or damage to any part of a This will not restrict your insurance. pair or set we may: GENERAL CONDITIONS a. Repair or replace any part to restore the A. Concealment, Misrepresentation Or Fraud pair or set to its value before the loss or This Coverage Part is void in any case of fraud, damage; or intentional concealment or misrepresentation of a b. Pay the difference between the value of material fact, by you or any other insured, at any the pair or set before and after the loss or time, concerning: damage. 1. This Coverage Part; 2. Parts 2. The Covered Property; In case of loss or damage to any part of Cov- 3. Your interest in the Covered Property; or ered Property consisting of several parts 4. A claim under this Coverage Part. when complete, we will only pay for the value of the lost or damaged part. Page 2 of 3 CM 00 01 09 04 COMMERCIAL INLAND MARINE B. Control Of Property E. Policy Period, Coverage Territory Any act or neglect of any person other than you We cover loss or damage commencing: beyond your direction or control will not affect this 1. During the policy period shown in the Decla- insurance. rations; and The breach of any condition of this Coverage 2. Within the coverage territory. Part at any one or more locations will not affect coverage at any location where, at the time of F. Valuation loss or damage, the breach of condition does not The value of property will be the least of the fol- exist. lowing amounts: C. Legal Action Against Us 1. The actual cash value of that property; No one may bring a legal action against us under 2. The cost of reasonably restoring that property this Coverage Part unless: to its condition immediately before loss or 1. There has been full compliance with all the damage; or terms of this Coverage Part; and 3. The cost of replacing that property with sub- 2. The action is brought within 2 years after you stantially identical property. first have knowledge of the direct loss or In the event of loss or damage,the value of prop- damage. erty will be determined as of the time of loss or D. No Benefit To Bailee damage. No person or organization, other than you, having custody of Covered Property will benefit from this insurance. CM 00 01 09 04 Page 3 of 3 COMMERCIAL INLAND MARINE MISCELLANEOUS PROPERTY COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F — DEFINITIONS. A. COVERAGE The Fire Protective Systems Limit Of We will pay for direct physical loss of or damage Insurance shown in the Declarations is to Covered Property caused by or resulting from a the most we will pay in any one Covered Cause of Loss. occurrence under this Coverage Extension. 1. Covered Property b. Newly Acquired Property Covered Property, as used in this Coverage You may extend the insurance provided Form, means property you own, or property of by this Coverage Form to apply to direct others in your care, custody or control, that is physical loss or damage by a Covered described in the Declarations. Cause of Loss to items you acquire 2. Property Not Covered during the policy period that are of the Covered Property does not include: type already covered by this Coverage Form. a. Aircraft. Coverage under this Coverage Extension b. Contraband, or property in the course of will end when any of the following first illegal transportation or trade. occurs: c. Live animals. (1) 180 days expire after you acquire the d. Vehicles or self-propelled machines that property; are licensed for use on public roads. (2) You report the property to us; or 3. Covered Causes Of Loss (3) The policy expires or is cancelled. Covered Causes of Loss means RISKS OF We will charge you additional premium for DIRECT PHYSICAL LOSS unless the loss is: the newly acquired property from the date a. Excluded in Section B — EXCLUSIONS; of your acquisition. or The Newly Acquired Property Limit Of Insurance shown in the Declarations is b. Excluded or limited in the Declarations or the most we will pay in any one Endorsements. occurrence under this Coverage 4. Coverage Extensions Extension. Each of the following Coverage Extensions c. Preservation Of Property applies unless Not Covered is indicated in the If it is necessary to move Covered Declarations. Property to preserve it from the threat of a. Fire Protective Systems imminent loss or damage by a Covered If your fire protective equipment Cause of Loss, we will pay for: discharges accidentally or to control a (1) The reasonable and necessary Covered Cause of Loss, we will pay for expenses actually incurred by you to your expense to: remove the Covered Property, temporarily store the Covered (1) Recharge or refill your fire protective Property at another location and systems; and move the Covered Property back to (2) Replace or repair faulty valves or the location from which it was moved controls that caused the discharge. within a reasonable time after the CM T2 39 01 16 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 7 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE threat of imminent loss or damage to But we will not pay for loss of or damage the property by the Covered Cause of to accounts, bills, deeds, evidences of Loss passes. Coverage for your debt, currency, money, notes or incurred expenses will end when any securities. of the following first occurs: S. Additional Coverages (a) 90 days expire after the property Each of the following Additional Coverages is moved; applies unless Not Covered is indicated in the (b) The property is returned to the Declarations. location from which it was moved; a. Claim Data Expense or (1) We will pay the reasonable expenses (c) The policy expires or is you incur in preparing claim data cancelled. when we require it to adjust a The Preservation Of Property covered loss. This includes the cost Expense Limit Of Insurance shown in of taking inventories, making the Declarations is the most we will appraisals and preparing other pay for the sum of all such expenses documentation to show the extent of that you incur due to the threat of loss loss. or damage from any one occurrence. (2) We will not pay for: (2) Any direct physical loss of or damage (a) Any expenses incurred, directed, to the Covered Property while it is or billed by or payable to being moved, while temporarily attorneys, insurance adjusters or stored at another location or while their associates or subsidiaries; being moved back to the location (b) Any costs as provided in the from which it was moved. Appraisal LOSS CONDITION in The most we will pay in any one the COMMERCIAL INLAND occurrence for direct physical loss of MARINE CONDITIONS; or or damage to the Covered Property is (c) Any expenses incurred, directed, the Limit Of Insurance applicable to or billed by or payable to the moved property. Any payment insurance brokers or agents, or under this Coverage Extension for their associates or subsidiaries, such direct physical loss or damage without our written consent prior is included within and will not to such expenses being incurred. increase such limit. The Claim Data Expense Limit Of d. Valuable Papers And Records Insurance shown in the Declarations is the most we will pay in any one We will pay your costs to research, occurrence under this Additional replace or restore lost or damaged Coverage. valuable papers and records, including b. Debris Removal those which exist on electronic or magnetic media, for which there are no (1) We will pay your expense to remove duplicates. Such costs must result from debris of Covered Property caused direct physical loss or damage by a by or resulting from a Covered Cause Covered Cause of Loss to your valuable of Loss that occurs during the policy papers and records directly related to the period. Covered Property described in the The amount we will pay includes the Declarations. increased costs you incur to divert The Valuable Papers And Records Limit debris of Covered Property to Of Insurance shown in the Declarations is recycling facilities rather than the most we will pay in any one landfills. Any income or remuneration occurrence under this Coverage derived from this recycling will reduce Extension. the amount of debris removal Page 2 of 7 ©2016 The Travelers Indemnity Company.All rights reserved. CM T2 39 01 16 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE expense we would have otherwise (1) Assumed by contract or agreement paid. prior to loss or damage; or The expenses will be paid only if they (2) Required by local ordinance. are reported to us in writing within The Fire or Police Department Service 180 days of the date of direct Charge Limit Of Insurance shown in the physical loss or damage. Declarations is the most we will pay in This Additional Coverage does not any one occurrence under this Additional apply to costs to: Coverage. (a) Extract "pollutants" from land or No deductible applies to this Additional water; or Coverage. (b) Remove, restore or replace d. Pollutant Cleanup And Removal polluted land or water. We will pay your expense to extract (2) The most we will pay in any one "pollutants" from land or water if the occurrence under this Additional discharge, dispersal, seepage, migration, Coverage for your expense to release or escape of the "pollutants" is remove the debris of Covered caused by or results from any of the Property is 25% of: "specified causes of loss" which occurs to (a) The amount we pay for the direct Covered Property during the policy physical loss of or damage to period. Covered Property; plus The expenses will be paid only if they are (b) The Deductible in this Coverage reported to us within 180 days of the date Form applicable to that loss or on which the covered "specified cause of damage. loss" occurs. Except as provided in Paragraph (3) This Additional Coverage does not apply below, payment under this Additional to costs to test for, monitor or assess the Coverage is included within and will existence, concentration or effects of not increase the applicable Limit Of "pollutants". But we will pay for testing Insurance. which is performed in the course of extracting the "pollutants"from the land or (3) If: water. (a) Your expense to remove debris The Pollutant Cleanup And Removal Limit of Covered Property exceeds the Of Insurance shown in the Declarations is 25% limitation in Paragraph (2) the most we will pay under this Additional above; or Coverage for the sum of all covered (b) The sum of the amount we pay expenses arising out of all "specified for loss of or damage to Covered causes of loss" occurring during each Property and the expense for separate 12 month period of this policy, removal of its debris exceeds the beginning with the effective date of the applicable Limit Of Insurance; policy. we will pay up to the Debris Removal e. Reward Coverage Increased Limit Of Insurance shown in the Declarations. We will reimburse you for reward c. Fire Or Police Department Service expenses you have incurred leading to: Charge (1) The successful return of undamaged We will pay your liability for fire, police or stolen Covered Property to a law other public emergency service enforcement agency; or department charges when such public (2) The arrest and conviction of any emergency services are called to save or person who has damaged or stolen protect Covered Property from a Covered any Covered Property. Cause of Loss. Such emergency service department charges must be: CM T2 39 01 16 ©2016 The Travelers Indemnity Company.All rights reserved. Page 3 of 7 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE We will pay 25% of the covered loss, prior 2. We will not pay for a loss or damage caused to the application of any Deductible and by or resulting from any of the following: recovery of undamaged stolen Covered a. Consequential Loss Property, up to the Reward Coverage Limit Of Insurance shown in the (1) Delay, loss of use or loss of market; Declarations in any one occurrence for or the reward payments you make. These (2) Loss of business income or extra reward payments must be documented. expense. No Deductible applies to this Additional b. Dishonesty Coverage. Dishonest or criminal act by you, any of B. EXCLUSIONS your partners, members, officers, 1. We will not pay for a loss or damage caused managers, employees (including leased directly or indirectly by any of the following. employees), directors, trustees, Such loss or damage is excluded regardless authorized representatives or anyone to of any other cause or event that contributes whom you entrust the property for any concurrently or in any sequence to the loss or purpose: damage. These exclusions apply whether or (1) Acting alone or in collusion with not the loss event results in widespread others; or damage or affects a substantial area. (2) Whether or not occurring during the a. Governmental Action hours of employment. Seizure or destruction of property by This exclusion does not apply to acts of order of governmental authority. destruction by your employees (including But we will pay for loss or damage leased employees), but theft by caused by or resulting from acts of employees is not covered. destruction ordered by governmental This exclusion does not apply to carriers authority and taken at the time of a fire to for hire. prevent its spread if the fire would be c. Missing Property covered by this Coverage Form. Property that is missing, where the only b. Nuclear Hazard evidence of the loss or damage is a Nuclear reaction or radiation, or shortage disclosed on taking inventory, or radioactive contamination, however other instances where there is no caused. physical evidence to show what But if nuclear reaction or radiation, or happened to the property. radioactive contamination results in fire, d. Pollution we will pay for the loss or damage caused Discharge, dispersal, seepage, migration, by that fire. release or escape of "pollutants" unless c. War and Military Action the discharge, dispersal, seepage, (1) War, including undeclared or civil migration, release or escape is itself war; caused by any of the "specified causes of loss". (2) Warlike action by a military force, But if the discharge, dispersal, seepage, including action in hindering or migration, release or escape of defending against an actual or "pollutants" results in any of the "specified expected attack, by any government, causes of loss", we will pay for the loss or sovereign or other authority using military personnel or other agents; or damage caused by such "specified causes of loss". (3) Insurrection, rebellion, revolution, usurped power or action taken by 3. We will not pay for loss or damage caused by governmental authority in hindering or resulting from any of the following. But if an or defending ag ainst any of these. excluded cause of loss that is listed below results in a Covered Cause of Loss, we will Page 4 of 7 ©2016 The Travelers Indemnity Company.All rights reserved. CM T2 39 01 16 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE pay for the loss or damage caused by that D. DEDUCTIBLE Covered Cause of Loss. We will not pay for loss or damage in any one a. Weather conditions. But this exclusion occurrence until the amount of the adjusted loss only applies if weather conditions or damage exceeds the applicable Deductible contribute in any way with a cause or shown in the Declarations, Schedule(s), event excluded in B.1. above to produce Coverage Form(s) or Endorsement(s). We will the loss or damage. then pay the amount of the adjusted loss or damage in excess of the Deductible, up to the b. Electrical Damage or Disturbance applicable Limit Of Insurance. Artificially generated electrical, magnetic The applicable Deductible shown in the or electromagnetic energy that damages, Declarations applies to the Coverage Extensions disturbs or otherwise interferes with any: and Additional Coverages unless otherwise (1) Electrical or electronic wire, device, stated in the Coverage Extension or Additional appliance, system or network; or Coverage. (2) Device, appliance, system or network Unless otherwise stated, if more than one utilizing cellular or satellite Deductible amount applies to loss or damage in technology. any one occurrence, the total of the deductible amounts applied in that occurrence will not Electrical, magnetic or electromagnetic exceed the amount of the largest applicable energy includes: Deductible. (a) Electrical current, including arcing; E. ADDITIONAL CONDITIONS (b) Electrical charge produced or The following conditions apply in addition to the conducted by a magnetic or COMMERCIAL INLAND MARINE CONDITIONS electromagnetic field; and the COMMON POLICY CONDITIONS: (c) Pulse of electromagnetic energy; 1. Coinsurance (d) Electromagnetic waves or If a Coinsurance percentage is shown in the microwaves. Declarations, the following condition applies: c. Other Types Of Losses a. We will not pay the full amount of any (1) Wear and tear. loss or damage if the value of Covered (2) Mechanical breakdown or failure, Property at the time of loss or damage multiplied by the Coinsurance percentage including rupture or bursting caused shown in the Declarations is greater than by centrifugal force. the applicable Limit Of Insurance for such (3) Decay, gradual deterioration, hidden Covered Property. or latent defect or any quality in Instead, we will determine the most we property that causes it to damage or will pay using the following steps: destroy itself. C. LIMITS OF INSURANCE Step (1): Multiply the value of Covered Property at the time of loss or damage by The most we will pay for loss or damage in any the Coinsurance percentage shown in the one occurrence is the applicable Limit Of Declarations. Insurance shown in the Declarations, Step (2): Divide the applicable Limit Of Schedule(s), Coverage Form or Endorsement(s). Insurance for Covered Property by the But in the event coverage for loss or damage is figure determined in Step (1). provided under the Coverage Extensions or Additional Coverages, the Limits Of Insurance Step (3): Multiply the total amount of stated within the specific Coverage Extension or covered loss or damage, before the application of any deductible, by the Additional Coverage will apply as additional figure determined in Step (2). amounts of insurance, unless otherwise stated within the Coverage Extension or Additional Step (4): Subtract the applicable Coverage. Deductible from the figure determined in Step (3). CM T2 39 01 16 ©2016 The Travelers Indemnity Company.All rights reserved. Page 5 of 7 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE We will pay the amount determined in supporting documentation. Any applicable Step (4) or the applicable Limit Of policy deductibles must be satisfied Insurance, whichever is less. For the before any partial payments are made. remainder, you will either have to rely on 4. Minimum Earned Premium other insurance or absorb the loss yourself. If a Minimum Earned Premium is shown in the Declarations, such premium is the least b. Coinsurance does not apply to: amount of premium you must pay when the (1) Additional Coverages; or actual earned premium for this coverage is (2) Coverage Extensions. less than the Minimum Earned Premium. 2. Coverage Territory The Minimum Earned Premium does not apply if we cancel coverage other than at a. We cover property wherever located your request. within: S. Reinstatement Of Limit After Loss (1) The United States of America The Reinstatement Of Limit After Loss LOSS (including its territories and CONDITION in the COMMERCIAL INLAND possessions); MARINE CONDITIONS is replaced by the (2) Puerto Rico; or following: (3) Canada. Reinstatement Of Limit After Loss b. We also cover property being shipped by With the exception of any applicable annual air within and between points in aggregate Limit Of Insurance, the Limit Of Insurance will not be reduced by the payment Paragraph a. above. of any claim. 3. Loss Payment 6. Valuation The following is added to Loss Payment The Valuation GENERAL CONDITION in the LOSS CONDITION in the COMMERCIAL COMMERCIAL INLAND MARINE INLAND MARINE CONDITIONS: CONDITIONS is replaced by the following: a. In the event of loss or damage covered Valuation by this Coverage Form, at our option we In the event of loss or damage, we will will either: determine the value of Covered Property at (1) Pay the cost of reasonably restoring the time of loss or damage as follows: the property to its condition a. Subject to Paragraphs c. and d. below, immediately before loss or damage; the value of Covered Property you own (2) Pay the value of the lost or damaged will be the least of the following: property; or (1) The actual cash value of that (3) Take all or any part of the property at property. an agreed or appraised value. But in the event of partial loss or damage, not exceeding 20% of the We will determine the value of lost or Limit Of Insurance applicable to the damaged property, or the cost of Covered Property, no depreciation restoring such property, in accordance will be applied in the settlement of the with the applicable terms of the Valuation claim. This provision only applies to ADDITIONAL CONDITION in this property that is less than 10 years old Coverage Form or any applicable at the time of loss or damage; provision which amends or supersedes (2) The cost of reasonably restoring that such Condition. property to its condition immediately b. At our option, we may make a partial before loss or damage; or payment toward any claim, subject to the (3) The cost of replacing that property policy provisions and our normal with substantially identical property. adjustment process. To be considered for b. The value of Covered Property owned by a partial claim payment, you must submit others will be the amount for which you a partial sworn proof of loss with Page 6 of 7 ©2016 The Travelers Indemnity Company.All rights reserved. CM T2 39 01 16 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE are liable, not to exceed the replacement asbestos and lead products or materials cost. containing lead). Waste includes materials to c. Optional Replacement Cost Valuation be recycled, reconditioned or reclaimed. When indicated by an 'X' in the 2. "Sinkhole collapse" means the sudden Declarations, the value of Covered sinking or collapse of land into underground Property you own will be determined at empty spaces created by the action of water replacement cost as of the time of loss or on limestone or dolomite. damage, except as otherwise provided in This cause of loss does not include: this Valuation ADDITIONAL CONDITION. Replacement cost is the cost to replace (a) The cost of filling sinkholes; or Covered Property at the time of loss or (b) Sinking or collapse of land into man- damage without deduction for made underground cavities. depreciation. de You may make a claim for loss or 3. "Specified causes of loss" means the damage covered by this insurance on following: Fire; lightning; explosion; windstorm an actual cash value basis instead of or hail; smoke (including the emission or puff on a replacement cost basis. In the back of smoke, soot, fumes or vapors from a event you elect to have loss or boiler, furnace or related equipment); aircraft damage settled on an actual cash or vehicles; riot or civil commotion; vandalism; value basis, you may still make a leakage from fire extinguishing equipment; claim on a replacement cost basis if "sinkhole collapse"; volcanic action; falling you notify us of your intent to do so objects as limited below; weight of snow, ice within 180 days after the loss or or sleet; "water damage", all only as damage. otherwise insured against in this Coverage (2) We will not pay on a replacement Form. cost basis for any loss or damage: Falling objects does not include loss or (a) Until the lost or damaged damage to: property is actually repaired or a. Personal property in the open; or replaced; and (b) Unless the repairs or b. Property inside a building or structure, replacement are made soon unless the roof or an exterior wall of the as reasonably possible after the building or structure is first damaged by a falling object. loss or damage. Instead, we will pay on an actual 4. "Water damage" means: cash value basis. This restriction a. Accidental discharge or leakage of water does not apply to losses less than or steam as the direct result of the $50,000. breaking apart or cracking of a plumbing, d. Optional Agreed Value Valuation heating, air conditioning or other system When indicated by an 'X' in the or appliance (other than a sump system Declarations, the value of Covered including its related equipment and parts) Property you own will be determined as that is located on the premises at which follows: the Covered Property is located and The value of Covered Property you own contains water or steam; and will be the Limit Of Insurance shown in b. Accidental discharge or leakage of water the Declarations, Schedule(s) or as the direct result of the breaking apart Endorsement(s). or cracking of a water or sewer pipe that F. DEFINITIONS is located off the premises at which the Covered Property is located, if the 1. "Pollutants" means any solid, liquid, breakage or cracking is caused by wear gaseous or thermal irritant or contaminant, and tear. This provision serves as an including smoke, vapor, soot, fumes, acids, exception to the wear and tear exclusion alkalis, chemicals, waste and any unhealthful 3.c.(1) in Section B— EXCLUSIONS. or hazardous building materials (including CM T2 39 01 16 ©2016 The Travelers Indemnity Company.All rights reserved. Page 7 of 7 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE CONTRACTORS EQUIPMENT COVERAGE FORM Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this policy, the words "you" and 'your" refer to the Named Insured shown in the Declarations. The words "we", "us" and 'bur" refer to the Company providing this insurance. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F - DEFINITIONS. A. COVERAGE 3. Covered Causes Of Loss We will pay for direct physical loss of or damage Covered Causes of Loss means RISKS OF to Covered Property caused by or resulting from DIRECT PHYSICAL LOSS unless the loss is: a Covered Cause of Loss. a. Excluded in Section B - EXCLUSIONS; 1. Covered Property or Covered Property, as used in this Coverage b. Excluded or limited in the Declarations or Form, means contractors equipment or other Endorsements. types of specialized machinery, equipment 4. Coverage Extensions and tools, including attachments and Each of the following Coverage Extensions accessories to such contractors equipment, applies unless Not Covered is indicated in the machinery, equipment and tools, used in your Supplemental Declarations. business operations. We cover such property a. Business Personal Property In Job that is: Trailers a. Owned by you, including while leased, You may extend the insurance provided rented or loaned to others; or by this Coverage Form to apply to direct b. Owned by others while in your care, physical loss or damage by a Covered custody or control and that you have Cause of Loss to your business personal leased, rented or borrowed; property, other than Covered Property, if a Limit of Insurance is shown in the while such property is located in a job or office trailer. Declarations for the applicable Covered Property. The Business Personal Property In Job Trailers Limit Of Insurance shown in the 2. Property Not Covered Supplemental Declarations is the most Covered Property does not include: we will pay in any one occurrence under a. Aircraft. this Coverage Extension. b. Document And Data Restoration Costs b. Contraband, or property in the course of illegal transportation or trade. We will pay your costs to research, replace or restore lost or damaged c. Motor vehicles designed and principally valuable papers and records, including used to transport property or persons those which exist on electronic or over public roads. But this restriction magnetic media, for which there are no does not apply to any vehicle to which duplicates. Such costs must result from contractors equipment or other types of direct physical loss or damage by a specialized machinery or equipment is Covered Cause of Loss to your valuable permanently mounted or attached. papers and records directly related to d. Watercraft. But this restriction does not Covered Property. apply to crew boats, work boats, barges The Document And Data Restoration or marine floats less than 26 feet in Costs Limit Of Insurance shown in the length that are used exclusively in direct Supplemental Declarations is the most support of your business operations. we will pay in any one occurrence under this Coverage Extension. CM T2 42 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 1 of 11 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE c. Fire Protective Systems (c) The policy expires or is If your fire protective equipment cancelled. discharges accidentally or to control a We will charge you additional Covered Cause of Loss to Covered premium for the newly acquired Property, we will pay for your expense to: property from the date of your (1) Recharge or refill your fire protective acquisition. systems; and (2) Premium Adjustment: (2) Replace or repair faulty valves or If this policy is written on a Premium controls that caused the discharge. Adjustment basis, we will cover such The Fire Protection Systems Limit Of newly acquired equipment for the Insurance shown in the Supplemental remainder of the policy period. Declarations is the most we will pay in Coverage under this Coverage any one occurrence under this Coverage Extension will end when the policy Extension. expires or is cancelled. d. Hauling Property Of Others The Newly Acquired Equipment — Per Item Limit Of Insurance shown in the We will pay your liability for direct Supplemental Declarations is the most physical loss or damage by a Covered we will pay for any one newly acquired Cause of Loss to property of others that item of equipment in any one occurrence you have accepted solely for under this Coverage Extension. transportation while such property is in your care, custody or control. Such f. Rental Costs property must be of the type eligible for (1) In the event of a covered loss to coverage under this Coverage Form. Covered Property, we will pay the The Hauling Property Of Others Limit Of cost to rent an item of equipment Insurance shown in the Supplemental similar to the item that sustained loss Declarations is the most we will pay in or damage when such rental any one occurrence under this Coverage equipment is necessary to continue Extension. your normal business operations because you do not have idle e. Newly Acquired Equipment equipment that can perform the same You may extend the insurance provided work or function. by this Coverage Form to apply to direct Coverage for such cost will begin physical loss or damage by a Covered immediately after the time of direct Cause of Loss to equipment you acquire physical loss or damage and will end during the policy period or after when either of the following first submitting the most recent schedule of occurs: Covered Property to us. Such newly acquired equipment must be of the type (a) The item of equipment to which eligible for coverage under this Coverage the loss or damage occurred is Form. Coverage on the newly acquired repaired or replaced; or equipment is subject to the following: (b) The rented item of equipment is (1) Non Reporting: no longer needed. If this policy is written on a Non The applicable Rental Costs Limit Of Reporting basis, we will cover such Insurance shown in the Supplemental newly acquired equipment for up to Declarations is the most we will pay 180 days. Coverage under this in any one occurrence under this Coverage Extension will end when Coverage Extension for the cost to any of the following first occurs: rent a similar item of equipment. (a) 180 days expire after you acquire (2) We will also pay for direct physical the equipment; loss of or damage to the rented item of equipment caused by or resulting (b) You report the equipment to us; from a Covered Cause of Loss. or Coverage will start when you Page 2 of 11 ©2021 The Travelers Indemnity Company.All rights reserved. CM T2 42 01 21 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE assume liability for the rented item of (a) Any expenses incurred, directed, equipment and will end when the or billed by or payable to Rental Costs coverage under this attorneys, insurance adjusters or Coverage Extension ends. We will their associates or subsidiaries; also pay for direct physical loss of or damage to the rented item of (b) Any costs as provided in the equipment caused by or resulting Appraisal LOSS CONDITION in from a Covered Cause of Loss while the COMMERCIAL INLAND the item is in transit to or from the MARINE CONDITIONS; or owner if you are liable for the item at (c) Any expenses incurred, directed the time of loss or damage. or billed by or payable to The most we will pay in any one insurance brokers or agents, or occurrence under this Coverage their associates or subsidiaries, Extension for loss of or damage to without our written consent prior the rented item is the amount for to such expenses being incurred. which you are liable, not to exceed The Claim Data Expense Limit Of the replacement cost of that property. Insurance shown in the Supplemental Any payment under this Coverage Declarations is the most we will pay in Extension for such direct physical any one occurrence under this Additional loss or damage is included within and Coverage. will not increase the Rental Costs b. Continuing Rental Payments Limit Of Insurance. In the event of covered loss to leased or g. Upgrades To Covered Equipment rented equipment, we will pay the You may extend the insurance provided continuing rental payments you are by this Coverage Form to apply to direct obligated to pay under a written contract physical loss or damage by a Covered or agreement for such equipment until Cause of Loss to upgrades made to such time as the equipment can be covered items of equipment during the repaired or replaced. policy period after submitting the most The applicable Continuing Rental recent schedule of Covered Property. Payments Limit Of Insurance shown in You must have documentation for the the Supplemental Declarations is the increased value of any upgrades made. most we will pay in any one occurrence The Upgrades To Covered Property Limit under this Additional Coverage. Of Insurance shown in the Supplemental c. Contract Penalty Declarations is the most we will pay for If you agreed in writing prior to loss to improvements made to any one item of pay penalties as a result of your failure to equipment in any one occurrence under meet completion times within the terms of this Coverage Extension. a written contract, we will pay such S. Additional Coverages penalties you incur when the failure to Each of the following Additional Coverages meet the completion times is solely due applies unless Not Covered is indicated in the to direct physical loss of or damage to Supplemental Declarations. Covered Property caused by or resulting from a Covered Cause of Loss. a. Claim Data Expense The Contract Penalty Limit Of Insurance (1) We will pay the reasonable expenses shown in the Supplemental Declarations you incur in preparing claim data is the most we will pay in any one when we require it to adjust a occurrence under this Additional covered loss. This includes the cost Coverage of taking inventories, making d. Debris Removal appraisals and preparing other documentation to show the extent of (1) We will pay your expense to remove loss. debris of Covered Property caused (2) We will not pay for: by or resulting from a Covered CM T2 42 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 3 of 11 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE Cause of Loss that occurs during the e. Employee Tools, Equipment And policy period. Clothing The amount we will pay includes the We will pay for direct physical loss of or increased costs you incur to divert damage to portable tools, equipment and debris of Covered Property to clothing owned and used by your recycling facilities rather than employees in your business. The loss or landfills. Any income or remuneration damage must be caused by or result from derived from this recycling will reduce a Covered Cause of Loss that occurs the amount of debris removal while such property is being used in your expense we would have otherwise business, including while in or on a motor paid. vehicle used in your business. The expenses will be paid only if they The applicable Employee Tools, are reported to us in writing within Equipment And Clothing Limit Of 180 days of the date of direct Insurance shown in the Supplemental physical loss or damage. Declarations is the most we will pay in This Additional Coverage does not any one occurrence under this Additional apply to costs to: Coverage. (a) Extract "pollutants" from land or f. Errors Or Unintentional Omissions water; or If an item of equipment is not covered (b) Remove, restore or replace under this Coverage Form due solely to polluted land or water. your error or unintentional omission in failing to include the item, describing the (2) The most we will pay in any one item or describing the location of where occurrence under this Additional the item is physically located, we will Coverage for your expense to extend the insurance provided by this remove the debris of Covered Coverage Form to apply to direct physical Property is 25% of: loss of or damage to such item caused by (a) The amount we pay for the direct or resulting from a Covered Cause of physical loss of or damage to Loss . Any such error must be reported Covered Property; plus and corrected when discovered. We will (b) The Deductible in this Coverage charge you additional premium. Form applicable to that loss or The Errors Or Unintentional Omissions damage. Limit Of Insurance shown in the Except as provided in Paragraph (3) Supplemental Declarations is the most below, payment under this Additional we will pay in any one occurrence under Coverage is included within and will this Additional Coverage. not increase the applicable Limit Of g. Expediting Expenses Insurance. In the event of covered loss to Covered (3) If: Property, we will pay for the reasonable (a) Your expense to remove debris and necessary additional expenses you of Covered Property exceeds the incur to make temporary repairs to, or expedite the permanent repairs or 25% limitation in Paragraph (2) replacement of Covered Property above; or sustaining loss or damage. Expediting (b) The sum of the amount we pay expenses include overtime wages and for loss of or damage to Covered the extra cost of express or other Property and the expense for expedited means of transportation. removal of its debris exceeds the Expediting expenses do not include applicable Limit Of Insurance; expenses you incur for the temporary we will pay up to the Debris Removal rental of equipment or temporary Increased Limit Of Insurance shown replacement of damaged equipment. in the Supplemental Declarations. The Expediting Expenses Limit Of Insurance shown in the Supplemental Page 4 of 11 ©2021 The Travelers Indemnity Company.All rights reserved. CM T2 42 01 21 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE Declarations is the most we will pay in Supplemental Declarations is the most any one occurrence under this Additional we will pay in any one occurrence under Coverage. this Additional Coverage. h. Expendable Supplies k. Pollutant Clean Up and Removal We will pay for direct physical loss or We will pay your expense to extract damage by a Covered Cause of Loss to "pollutants" from land or water if the expendable supplies, meaning discharge, dispersal, seepage, migration, consumable and periodic maintenance release or escape of the "pollutants" is items held exclusively for the servicing of caused by or results from any of the Covered Property, including fluids, oil, "specified causes of loss" that occurs to grease, fuel, filters, spark plugs, spare Covered Property during the policy parts, cleaning supplies and other types period. of consumable service and maintenance The expenses will be paid only if they are items. reported to us within 180 days of the date The Expendable Supplies Limit Of on which the covered "specified cause of Insurance shown in the Supplemental loss" occurs. Declarations is the most we will pay in This Additional Coverage does not apply any one occurrence under this Additional to costs to test for, monitor or assess the Coverage. existence, concentration or effects of i. Fire Or Police Department Service "pollutants". But we will pay for testing Charge which is performed in the course of We will pay your liability for fire, police or extracting the "pollutants" from the land other public emergency service or water. department charges when such public The Pollutant Clean Up and Removal emergency services are called to save or Limit Of Insurance shown in the protect Covered Property from a Covered Supplemental Declarations is the most Cause of Loss. Such emergency service we will pay under this Additional department charges must be: Coverage for the sum of all covered expenses arising out of all "specified (1) Assumed by contract or agreement causes of loss" occurring during each prior to loss or damage; or separate 12 month period of this policy, (2) Required by local ordinance. beginning with the effective date of the The Fire Or Police Department Service policy. Charge Limit Of Insurance shown in the I. Preservation Of Property Supplemental Declarations is the most If it is necessary to move Covered we will pay in any one occurrence under Property to preserve it from the threat of this Additional Coverage. imminent loss or damage by a Covered No deductible applies to this Additional Cause of Loss, we will pay for: Coverage. (1) The reasonable and necessary j. Lost Warranty Or Service Contract expenses actually incurred by you to (1) If Covered Property is protected by remove the Covered Property, an extended warranty or a temporarily store the Covered maintenance or service contract; and Property at another location and move the Covered Property back to (2) That warranty or contract becomes the location from which it was moved void or unusable due to a Covered within a reasonable time after the Cause of Loss to such property; threat of imminent loss or damage to we will reimburse you for the prorated the property by the Covered Cause of amount of the unused costs of Loss passes. nonrefundable or nontransferable (a) The Preservation Of Property warranties or contracts. Expense Limit Of Insurance The Lost Warranty Or Service Contract shown in the Supplemental Limit Of Insurance shown in the Declarations is the most we will CM T2 42 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 5 of 11 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE pay for the sum of all such No Deductible applies to this Additional expenses that you incur due to Coverage. the threat of loss or damage from n. Tracking System Deductible Waiver any one occurrence. In the event of theft of Covered Property (b) This Coverage is subject to the deductible that applies to loss or equipped with a wireless equipment damage to the Covered Property locator or tracking system, we will waive the applicable deductible in any one by the Covered Cause of Loss occurrence up to the Tracking System from which the property is being Deductible Waiver amount shown in the preserved. Supplemental Declarations if, prior to the (2) Any direct physical loss of or damage theft, you have maintained the system, its to the Covered Property while it is source of operating power and service being moved, while temporarily contracts in accordance with the stored at another location or while manufacturer's recommendations. You being moved back to the location must promptly report the theft to the from which it was moved. police and any monitoring or tracking This coverage will only apply if the service and activate the locator or loss or damage occurs within 90 days tracking system. after the Covered Property is first B. EXCLUSIONS moved and will end when either of 1. We will not pay for loss or damage caused the following first occurs: directly or indirectly by any of the following. (a) The property is returned to the Such loss or damage is excluded regardless location from which it was of any other cause or event that contributes moved; or concurrently or in any sequence to the loss or (b) The policy expires or is damage. These exclusions apply whether or cancelled. not the loss event results in widespread The most we will pay in any one damage or affects a substantial area. occurrence for direct physical loss of a. Governmental Action or damage to the Covered Property is Seizure or destruction of property by the Limit of Insurance applicable to order of governmental authority. But we the moved property. Any payment will pay for loss or damage caused by or under this Additional Coverage for resulting from acts of destruction ordered such direct physical loss or damage by governmental authority and taken at is included within and will not the time of a fire to prevent its spread if increase such limit. the fire would be covered under this m. Reward Coverage Coverage Form. We will reimburse you for reward b. Nuclear Hazard expenses you have incurred leading to: Nuclear reaction or radiation, or (1) The successful return of undamaged radioactive contamination, however stolen Covered Property to a law caused. enforcement agency; or But if nuclear reaction or radiation, or (2) The arrest and conviction of any radioactive contamination results in fire, person who has damaged or stolen we will pay for the loss or damage any Covered Property. caused by that fire. We will pay 25% of the covered loss, c. War and Military Action prior to the application of any Deductible (1) War, including undeclared or civil and recovery, up to the Reward war; Coverage Limit Of Insurance shown in the Supplemental Declarations in any one (2) Warlike action by a military force, occurrence for the reward payments you including action in hindering or defending against an actual or make. These reward payments must be expected attack, by any government, documented. Page 6 of 11 ©2021 The Travelers Indemnity Company.All rights reserved. CM T2 42 01 21 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE sovereign or other authority using a. Weather conditions. But this exclusion military personnel or other agents; or only applies if weather conditions (3) Insurrection, rebellion, revolution, contribute in any way with a cause or usurped power, or action taken by event excluded in B.1. above to produce governmental authority in hindering the loss or damage. or defending against any of these. b. Electrical Damage or Disturbance 2. We will not pay for loss or damage caused by Artificially generated electrical, magnetic or resulting from any of the following: or electromagnetic energy that damages, a. Consequential Loss disturbs or otherwise interferes with any: (1) Delay, loss of use or loss of market; (1) Electrical or electronic wire, device, or appliance, system or network; or (2) Loss of business income or extra (2) Device, appliance, system or network expense, except as specifically utilizing cellular or satellite provided in this Coverage Part. technology. b. Dishonesty Electrical, magnetic or electromagnetic energy includes: Dishonest or criminal act by you, any of your partners, members, officers, (a) Electrical current, including arcing; managers, employees (including leased (b) Electrical charge produced or employees), directors, trustees, conducted by a magnetic or authorized representatives or anyone to electromagnetic field; whom you entrust the property for any (c) Pulse of electromagnetic energy; and purpose: (1) Acting alone or in collusion with (d) Electromagnetic waves or others; or microwaves. (2) Whether or not occurring during the c. Mechanical Breakdown hours of employment. Mechanical breakdown or failure, This exclusion does not apply to acts of including rupture or bursting caused by destruction by your employees (including centrifugal force. leased employees), but theft by d. Other Types of Losses employees is not covered. (1) Wear and tear. This exclusion does not apply to carriers for hire. (2) Rust, or other corrosion, decay, deterioration, hidden or latent defect c. Pollution or any quality in property that causes Discharge, dispersal, seepage, migration, it to damage or destroy itself. release or escape of "pollutants" unless (3) Changes in or extremes of the discharge, dispersal, seepage, temperature. migration, release or escape is itself caused by any of the "specified causes of e. Work Upon The Property loss". Any repair process or work upon the But if the discharge, dispersal, seepage, Covered Property. migration, release or escape of C. LIMITS OF INSURANCE "pollutants" results in any of the 1. Limit of Insurance "specified causes of loss", we will pay for the loss or damage caused by such The most we will pay for loss or damage in "specified causes of loss". any one occurrence is the applicable Limit of Insurance shown in the Declarations, 3. We will not pay for loss or damage caused by Schedule(s), Coverage Form or or resulting from any of the following. But if Endorsement(s). an excluded cause of loss that is listed below results in a Covered Cause of Loss, we will 2• Annual Aggregate Limit of Insurance pay for the loss or damage caused by that When an Annual Aggregate Limit is shown in Covered Cause of Loss. the Declarations, Schedule(s), Coverage CM T2 42 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 7 of 11 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE Form or Endorsement(s), the applicable 4. Unless otherwise stated, if more than one Annual Aggregate Limit of Insurance shown Deductible amount applies to loss or damage is the most we will pay for the total of all loss in any one occurrence, the total of the or damage in a 12 month period of this policy deductible amounts applied in that (beginning with the effective date of this occurrence will not exceed the amount of the policy). largest applicable Deductible. 3. In the event coverage for loss or damage is E. ADDITIONAL CONDITIONS provided under the Coverage Extensions or The following conditions apply in addition to the Additional Coverages, the Limits of Insurance COMMERCIAL INLAND MARINE CONDITIONS stated within the specific Coverage Extension and the COMMON POLICY CONDITIONS. or Additional Coverage will apply as additional amounts of insurance, unless otherwise 1. Coinsurance stated within the Coverage Extension or If a Coinsurance percentage is shown in the Additional Coverage. Declarations, the following condition applies: D. DEDUCTIBLE We will not pay the full amount of any loss or 1. Dollar Deductible damage if the value of Covered Property at When a dollar ($) amount is shown as the the time of loss or damage multiplied by the Coinsurance percentage shown in the applicable Deductible, we will not pay for loss Declarations is greater than the Limit of or damage in any one occurrence until the Insurance for the property. amount of the adjusted loss or damage exceeds the applicable Deductible shown in Instead, we will determine the most we will the Declarations, Deductible Schedule, pay using the following steps: Coverage Form(s) or Endorsement(s). We Step 1: Multiply the value of Covered will then pay the amount of the adjusted loss Property at the time of loss or damage by the or damage in excess of the Deductible, up to Coinsurance percentage; the applicable Limit of Insurance. Step 2: Divide the Limit of Insurance of the 2. Percentage Deductible property by the figure determined in Step 1; When a percentage (%) is shown as the Step 3: Multiply the total amount of covered applicable Deductible, we will calculate the loss or damage, before the application of any dollar amount of the Deductible by multiplying deductible, by the figure determined in Step the applicable percentage by: 2; and a. The value of property owned by you that Step 4: Subtract the deductible from the has sustained loss or damage; or figure determined in Step 3. b. If property of others, the value of such We will pay the amount determined in Step 4 property as agreed by you and the owner or the Limit of Insurance, whichever is less. of the property prior to any loss or For the remainder, you will either have to rely damage. on other insurance or absorb the loss We will not pay for loss or damage in any one yourself. occurrence until the amount of loss or The Coinsurance Additional Condition applies damage exceeds such calculated dollar only to Scheduled Items. amount. We will then pay the amount of loss or damage in excess of the Deductible, up to 2. Coverage Territory the applicable Limit of Insurance. a. We cover property wherever located In no event will the applicable Deductible be within: less than any applicable minimum, or more (1) The United States of America than any applicable maximum, amount. (including its territories and 3. The applicable Deductible shown in the possessions); Declarations, Deductible Schedule, Coverage (2) Puerto Rico; or Form(s) or Endorsement(s) applies to the Coverage Extensions and Additional (3) Canada. Coverages unless otherwise stated in the b. We also cover property being shipped by Coverage Extension or Additional Coverage. air within and between points in Paragraph a. above. Page 8 of 11 ©2021 The Travelers Indemnity Company.All rights reserved. CM T2 42 01 21 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE 3. Loss Payment equipment from others during the The following are added to the Loss Payment Premium Adjustment Period. LOSS CONDITION in the COMMERCIAL b. Premium Computation and Adjustment INLAND MARINE CONDITIONS: Your Inception Premium is computed a. In the event of loss or damage covered using the applicable Rate shown in the by this Coverage Form, at our option we Declarations and the applicable Premium will either: Base at inception of this policy. Your (1) Pay the cost of reasonably restoring Inception Premium will be adjusted at the the property to its condition end the Premium Adjustment Period as immediately before loss or damage; follows: (2) Pay the value of the lost or damaged (1) Scheduled And Unscheduled property; or Owned Equipment: (3) Take all or any part of the property at The difference between the Premium an agreed or appraised value. Base used to calculate the Inception Premium and the Premium Base We will determine the value of lost or reported to us for the adjustment damaged property, or the cost of period will be multiplied by the restoring such property, in accordance applicable Adjustment Rate to with the applicable terms of the Valuation determine any additional premium or ADDITIONAL CONDITION in this return premium. Coverage Form or any applicable provision which amends or supersedes (2) Equipment Leased Or Rented From such Condition. Others: b. At our option, we may make a partial The difference between the Premium payment toward any claim, subject to the Base used to calculate the Inception policy provisions and our normal Premium and the Premium Base adjustment process. Any applicable reported to us for the adjustment policy deductibles must be satisfied period will be multiplied by the before any partial payments are made. applicable Adjustment Rate to 4. Premium Adjustment determine any additional premium or If Premium Adjustment is indicated as return premium. applying in the Declarations, the following c. Cancellation conditions apply: If this policy is cancelled, you will report a. Reports your Premium Base for the Covered Within 30 days after the end of the Property from the inception date, or the Premium Adjustment Period shown in the last Premium Adjustment Period, up to Declarations, you must report the and as of the date of cancellation. applicable Premium Base outlined below d. Records for each type of Covered Property to us in writing. You must keep accurate records of (1) Scheduled And Unscheduled Owned transactions used to develop the Premium Base required for Premium Equipment: Adjustment. The Premium Base is the applicable value of all Covered Property at the S. Valuation end of the Premium Adjustment The Valuation GENERAL CONDITION in the Period. COMMERCIAL INLAND MARINE (2) Equipment Leased Or Rented From CONDITIONS is replaced by the following: Others: Valuation The Premium Base is your actual In the event of loss or damage, the value of expenditures incurred (paid and Covered Property will be determined as of the owed) to lease or rent items of time of loss or damage. CM T2 42 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 9 of 11 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE a. Scheduled And Unscheduled Owned within 180 days after the covered Equipment loss. Unless an Optional Valuation is indicated We will not pay for loss or damage on in the Declarations, the value of a replacement cost basis: Scheduled And Unscheduled Owned (a) Until the lost or damaged Equipment will be the least of the equipment is actually repaired or following amounts: replaced; and (1) The Actual Cash Value of the (b) Unless the repairs or equipment. But in the event of partial replacement are made as soon loss or damage, not exceeding 20% as reasonably possible after the of the Limit Of Insurance applicable covered loss. to the equipment, no depreciation will be applied in the settlement of the We will not pay more for loss or claim; damage on a replacement cost basis than the least of: (2) The value shown for the equipment on the latest schedule of Covered (i) The value shown for that Property that you submitted; equipment on the latest Schedule of Covered Property that you (3) The cost of reasonably restoring the submitted. equipment to its condition (i i) The Limit Of Insurance applicable immediately before loss or damage; or to the lost or damaged equipment. But if a Scheduled Item describes a group of items of equipment by general (iii)The cost to replace the lost or type, category or location, the value of damaged equipment with other any one item of equipment will be equipment: determined as described above for the i. Of comparable function and item of equipment sustaining loss or capacity; and damage, not to exceed the Limit Of ii. Used for the same purpose. Insurance applying to such group of equipment. (2) Valuation Determined By Age Of b. Equipment Owned By Others The Property The value of Covered Property owned by When indicated by an 'X' in the others will be the amount for which you Declarations, Scheduled and are liable, not to exceed the replacement Unscheduled Owned Equipment will cost of that property. be valued on the basis of the date of manufacture of the item of equipment c. Optional Valuations sustaining loss or damage as follows: (1) Replacement Cost (a) Replacement Cost (without When indicated by an 'X' in the deduction for depreciation) will Declarations, Replacement Cost apply to items of equipment (without deduction for depreciation) manufactured up to the number replaces Actual Cash Value in the of years indicated in the Valuation and Coinsurance provisions Declarations; and of this Coverage Form with respect to (b) Actual Cash Value will apply to applicable equipment. items of equipment manufactured You may make a claim for loss or over the number of years damage covered by this insurance on indicated in the Declarations. an actual cash value basis instead of (3) Agreed Value on a replacement cost basis. In the event you elect to have the loss or When indicated by an 'X' in the damage settled on an actual cash Declarations, the following applies value basis, you may still make a with respect to Scheduled Equipment claim on a replacement cost basis if described in the latest Schedule of you notify us of your intent to do so Page 10 of 11 ©2021 The Travelers Indemnity Company.All rights reserved. CM T2 42 01 21 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE Covered Property that you submitted 2. "Sinkhole collapse" means the sudden to us: sinking or collapse of land into underground (a) The Coinsurance provision of this empty spaces created by the action of water Coverage Form is deleted with on limestone or dolomite. respect to individually Scheduled This cause of loss does not include: Items of equipment; and a. The cost of filling sinkholes; or (b) The value of such equipment will b. Sinking or collapse of land into man be the least of the following: made underground cavities. (i) The applicable Limit Of 3. "Specified causes of loss" means the Insurance shown in the following: Fire; lightning; explosion; windstorm Declarations, Schedule or or hail; smoke (including the emission or puff Endorsement for that back of smoke, soot, fumes or vapors from a equipment; or boiler, furnace or related equipment); aircraft (ii) The amount shown for the or vehicles; riot or civil commotion; equipment on the latest vandalism; leakage from fire extinguishing Schedule of Covered equipment; "sinkhole collapse"; volcanic action; falling objects as limited below; weight Property that you submitted of snow, ice or sleet; "water damage", all only to us. as otherwise insured against in this Coverage 6. Minimum Earned Premium Form. If a Minimum Earned Premium is shown in Falling objects does not include loss or the Declarations, such premium is the least damage to: amount of premium you must pay when the a. Personal property in the open; or actual earned premium for this coverage is less than the Minimum Earned Premium. b. Property inside a building or structure, The Minimum Earned Premium does not unless the roof or an exterior wall of the apply if we cancel coverage other than at building or structure is first damaged by a your request. falling object. 7. Reinstatement Of Limit After Loss 4. "Water damage" means: The Reinstatement Of Limit After Loss LOSS a. Accidental discharge or leakage of water CONDITION in the COMMERCIAL INLAND or steam as the direct result of the MARINE CONDITIONS is replaced by the breaking apart or cracking of a plumbing, following: heating, air conditioning or other system or appliance (other than a sump system Reinstatement Of Limit After Loss including its related equipment and parts) With the exception of any applicable Annual that is located on the premises at which Aggregate Limit Of Insurance, the Limit Of the Covered Property is located and Insurance will not be reduced by the payment contains water or steam; and of any claim. b. Accidental discharge or leakage of water F. DEFINITIONS as the direct result of the breaking apart or cracking of a water or sewer pipe that 1. "Pollutants" means any solid, liquid, is located off the premises at which the gaseous or thermal irritant or contaminant, Covered Property is located, if the including smoke, vapor, soot, fumes, acids, breakage or cracking is caused by wear alkalis, chemicals, waste and any unhealthful and tear. or hazardous building materials (including asbestos and lead products or materials This provision serves as an exception to containing lead). Waste includes materials to the wear and tear exclusion under the be recycled, reconditioned or reclaimed. Other Types of Losses Exclusion in Section B—EXCLUSIONS, Part 3.d. CM T2 42 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 11 of 11 Includes copyrighted material of Insurance Services Office,Inc.with its permission. POLICY NUMBER:x-630-8w781959-TZL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ELECTRONIC VANDALISM LIMITATION AND OTHER CHANGES This endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PART SCHEDULE Electronic Vandalism Limit of Insurance, aggregate in any 12-month period of this policy: $ 10,000 unless a higher limit is shown: $ This endorsement restricts the insurance provided this Limitation will not apply to the resulting loss under this Coverage Part for direct physical loss or or damage caused by that "specified cause of damage caused by or resulting from "electronic loss" or theft. vandalism" and for loss that is a consequence of such This Limitation does not create coverage for any direct physical loss or damage. loss or damage that would not otherwise be A. LIMITATION—ELECTRONIC VANDALISM covered under this Coverage Part. The following LIMITATION is added: B. UTILITY SERVICES AND SPOILAGE - The most we will pay for all loss or damage ELECTRONIC VANDALISM CHANGES caused directly or indirectly by or resulting from 1. The following replaces any Utility Services "electronic vandalism" in any one policy year, exclusion: commencing with the inception date of this Utility Services endorsement, is the Electronic Vandalism Limit of Insurance shown in the Schedule of this The failure or fluctuation of power, endorsement. This Electronic Vandalism Limit of communication, water or other utility service Insurance applies regardless of the number of supplied to the described premises, however locations, items or types of property or coverages caused, if the failure or fluctuation: or Coverage Forms involved, and is part of, and (1) Originates away from the described does not increase the Limits of Insurance provided under this policy. If an Electronic premises; or Vandalism Limit of Insurance applies under any (2) Originates at the described premises, but Property Coverage Part or Businessowners only if such failure or fluctuation involves Property Coverage Special Form of this policy, equipment used to supply the utility the Electronic Vandalism Limit of Insurance under service to the described premises from a this Coverage Part is included in, and does not source away from the described increase, the Electronic Vandalism Limit of premises. Insurance under that Property Coverage Part or Failure or fluctuation of any utility service Businessowners Property Coverage Special includes lack of sufficient capacity and Form. reduction in supply. Communication services But if"electronic vandalism" results in: include service relating to Internet access or 1. A "specified cause of loss", other than access to any electronic, cellular or satellite vandalism that is"electronic vandalism"; or network. 2. Theft under the Fine Art And Collectibles Exceptions: Coverage Form, Museum Coverage Form, (1) If the failure or fluctuation of power, Fine Art Dealer Coverage Form or any other communication, water or other utility similar fine art collector, conservator, dealer service results in a Covered Cause of or museum coverage form; Loss, other than "electronic vandalism", this exclusion does not apply to the loss CM U6 17 01 23 ©2023 The Travelers Indemnity Company.All rights reserved. Page 1 of 3 or damage caused by that Covered D. ELECTRONIC VANDALISM AND SPECIFIED Cause of Loss. CAUSES OF LOSS DEFINITIONS (2) This exclusion does not apply to the The following is added to any DEFINITIONS insurance provided under any Utility Section: Service — Direct Damage, Utility Service "Electronic Vandalism" means: — Time Element or Spoilage coverage for loss or damage caused by the failure or a. Willful or malicious destruction of computer fluctuation of power, communication, programs, content, instructions or other water or other utility service supplied to electronic or digital data stored within the described premises when the failure computer systems. or fluctuation: b. Unauthorized computer code or programming (a) Originates away from the described that: premises; or (1) Deletes, distorts, corrupts or manipulates computer programs, content, instructions (b) Originates at the described premises or other electronic or digital data, or and involves equipment used to otherwise results in damage to computers supply the utility service to the or computer systems or networks to described premises from a source which it is introduced; away from the described premises. (2) Replicates itself, impairing the But all other Exclusions and Limitations performance of computers or computer applicable to this Coverage Part, including the systems or networks; "Electronic Vandalism" Limitation in Section (3) Gains remote control access to data and A. above and the below exclusions applicable programming within computers or to Utility Services and Spoilage coverages, computer systems or networks to which it continue to apply to such loss or damage to is introduced, for uses other than those which these Exceptions apply. intended for authorized users of the 2. Under any: computers or computer systems or a. Utility Services—Direct Damage; networks; or (4) b. Utility Services—Time Element; and similar u harmful ar nstruction nto or en d o acted on a c. Spoilage; computer system (including electronic coverage provided under this Coverage Part data) or a network to which it is the following exclusion is added: connected, designed to damage or destroy any part of the system or disrupt We will not pay for loss or damage caused its normal operation. directly or indirectly by "electronic vandalism". c. Any other unauthorized access to or use of This exclusion applies regardless of any other computers or computer systems or networks, cause or event that contributes concurrently including data and programming within such or in any sequence to the loss. This exclusion computers or computer systems or networks. applies whether or not the loss event results d. A denial of service attack that restricts, in widespread damage or affects a substantial area. prevents or disrupts access to or use of any computer, computer system or network, or C. ELECTRONIC VANDALISM MINIMUM otherwise disrupts the normal functioning or DEDUCTIBLE operation of any computer, computer system The following deductible provision is added and or network. applies to all coverages, including Extra Expense: "Specified Cause of Loss", if not defined in the The DEDUCTIBLE provisions of this Coverage applicable Coverage Form, means: Part continue to apply. But in no event will the Fire; lightning; explosion; windstorm or hail; total of all applicable deductible amounts applied smoke (including the emission or puff back of in any one occurrence of"electronic vandalism" to smoke, soot, fumes or vapors from a boiler, which insurance under this Coverage Part applies furnace or related equipment); aircraft or vehicles; be less than $1,000. riot or civil commotion; vandalism; Page 2 of 3 ©2023 The Travelers Indemnity Company.All rights reserved. CM U6 17 01 23 leakage from fire extinguishing equipment; "Water damage" means: "sinkhole collapse"; volcanic action; falling objects a. Accidental discharge or leakage of water or as limited below; weight of snow, ice or sleet; steam as the direct result of the breaking "water damage", all only as otherwise insured apart or cracking of a plumbing, heating, air against in the Coverage Form. conditioning or other system or appliance Falling objects does not include loss or damage (other than a sump system including its to: related equipment and parts) that contains a. Personal property in the open; or water or steam and is at a location listed in the applicable Location Schedule; and b. The interior of a building or structure, or b. Accidental discharge or leakage of water as property inside a building or structure, the direct result of the breaking apart or unless the roof or an exterior wall of the cracking of a water or sewer pipe that is building or structure is first damaged by a located off a location listed in the applicable falling object. Location Schedule, if the breakage or "Sinkhole collapse" means the sudden sinking cracking is caused by wear and tear. This or collapse of land into underground empty provision serves as an exception to any wear spaces created by the action of water on and tear exclusion. But water damage does limestone or dolomite. "Sinkhole collapse" does not include loss or damage that otherwise not mean the cost of filling sinkholes or the may be excluded under the terms of a Water sinking or collapse of land into man-made or Flood Exclusion. underground cavities. CM U6 17 01 23 ©2023 The Travelers Indemnity Company.All rights reserved. Page 3 of 3 COMMERCIAL INLAND MARINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FEDERAL TERRORISM RISK INSURANCE ACT DISCLOSURE This endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PART The federal Terrorism Risk Insurance Act of 2002 as Deductible" (as defined in TRIA), subject to the amended ("TRIA") establishes a program under which "Program Trigger" (as defined in TRIA). the Federal Government may partially reimburse In no event, however, will the Federal Government be "Insured Losses" (as defined in TRIA) caused by required to pay any portion of the amount of such "Acts Of Terrorism" (as defined in TRIA). "Act Of Insured Losses occurring in a calendar year that in Terrorism" is defined in Section 102(1) of TRIA to the aggregate exceeds $100 billion, nor will any mean any act that is certified by the Secretary of the Insurer be required to pay any portion of such amount Treasury — in consultation with the Secretary of provided that such Insurer has met its Insurer Homeland Security and the Attorney General of the Deductible. Therefore, if such Insured Losses United States — to be an act of terrorism; to be a occurring in a calendar year exceed $100 billion in the violent act or an act that is dangerous to human life, aggregate, the amount of any payments by the property, or infrastructure; to have resulted in damage Federal Government and any coverage provided by within the United States, or outside the United States this policy for losses caused by Acts Of Terrorism in the case of certain air carriers or vessels or the may be reduced. premises of a United States Mission; and to have The charge for such Insured Losses under this been committed by an individual or individuals as part Coverage Part is included in the Coverage Part of an effort to coerce the civilian population of the premium. The charge for such Insured Losses that United States or to influence the policy or affect the has been included for this Coverage Part is indicated conduct of the United States Government by below, and does not include any charge for the coercion. portion of such Insured Losses covered by the The Federal Government's share of compensation for Federal Government under TRIA: such Insured Losses is 80% of the amount of such 1% of your total Commercial Inland Marine Insured Losses in excess of each Insurer's "Insurer Coverage Part premium. CM T3 98 01 21 ©2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EARTH MOVEMENT EXCLUSION This endorsement modifies insurance provided under the following: MISCELLANEOUS PROPERTY COVERAGE FORM The following Exclusion is added to Section B — EX- (a) Paragraphs (1)(a) through (1)(d) above re- CLUSIONS, Part 1: sults in fire or explosion, we will pay for the Earth Movement loss or damage caused by that fire or explo- (1) Any of the following, all whether naturally occur- sion; or ring or due to man-made or other artificial causes: (b) Paragraph (1)(e) above, results in fire, build- ing glass breakage or Volcanic Action, we will (a) Earthquake, including tremors and after- pay for the loss or damage caused by that shocks, and earth sinking, rising or shifting re- fire, building glass breakage or Volcanic Ac- lated to such event; tion. (b) Landslide, including any earth sinking, rising Volcanic Action means direct loss or damage or shifting related to such event; resulting from the eruption of a volcano when the loss or damage is caused by: (c) Mine subsidence, meaning subsidence of a (i) Airborne volcanic blast or airborne shock man-made mine, whether or not mining activi- ty has ceased; waves; (ii) Ash, dust or particulate matter; or (d) Earth sinking (other than "sinkhole collapse"), iii Lava flow. rising, or shifting including soil conditions ( ) which cause settling, cracking or other disar- With respect to coverage for Volcanic Action rangement of foundations or other parts of as set forth in (i), (ii) and (iii) above, volcanic realty. Soil conditions include contraction, ex- eruptions that occur within any 168-hour peri- pansion, freezing, thawing, erosion, improper- od will constitute a single occurrence.Volcan- ly compacted soil and the action of water un- is Action does not include the cost to remove der the ground surface; or ash, dust or particulate matter that does not cause direct physical loss or damage to the (e) Volcanic eruption, explosion or effusion. described property. (2) If Earth Movement as described in: (3) This exclusion does not apply to property in trans- it. CM T7 52 01 16 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLOOD EXCLUSION This endorsement modifies insurance provided under the following: MISCELLANEOUS PROPERTY COVERAGE FORM The following Exclusion is added to Section B — EX- graphs (a) or (b) above or in Paragraphs (d) CLUSIONS, Part 1: or(e) below. Flood (d) Water under the ground surface pressing on, (1) Any of the following, all whether naturally occur- or flowing or seeping through: ring or due to man-made or other artificial causes: (i) Foundations, walls, floors or paved sur- (a) Flood, surface water, waves (including tidal faces; wave and tsunami), tides, tidal water, over- (ii) Basements, whether paved or not; or flow of any body of water, or spray from any (iii) Doors, windows or other openings; or of these, all whether driven by wind (including (e) Waterborne material carried or otherwise storm surge) or not; moved by any of the water referred to in Par- (b) Mudslide or mudflow; agraphs (a), (c) and (d) above, or material (c) Water or sewage that backs up or overflows carried or otherwise moved by mudslide or or is otherwise discharged from a sewer, mudflow. drain, sump, sump pump or related equip- (2) But if Flood, as described in (1)(a) through (1)(e) ment. However, this exclusion does not apply above, results in fire, explosion or sprinkler leak- to the backup or overflow of water or sewage age, we will pay for the loss or damage caused by from drains within a building if the backup or that fire, explosion or sprinkler leakage. overflow is not otherwise directly or indirectly (3) This exclusion does not apply to property in caused by the Flood Exclusions in Para- transit. CM T7 63 01 16 ©2016 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. FLOOD EXCLUSION This endorsement modifies insurance provided under the following: CONTRACTORS EQUIPMENT COVERAGE FORM The following Exclusion is added to Section B — Paragraphs (a) or (b) above or in Paragraphs EXCLUSIONS, Part 1: (d) or(e) below. Flood (d) Water under the ground surface pressing on, (1) Any of the following, all whether naturally or flowing or seeping through: occurring or due to man-made or other artificial (i) Foundations, walls, floors or paved causes: surfaces; (a) Flood, surface water, waves (including tidal (ii) Basements, whether paved or not; or wave and tsunami), tides, tidal water, (iii) Doors, windows or other openings; or overflow of any body of water, or spray from any of these, all whether driven by wind (e) Waterborne material carried or otherwise (including storm surge) or not; moved by any of the water referred to in Paragraphs (a), (c) and (d) above, or material (b) Mudslide or mudflow; carried or otherwise moved by mudslide or (c) Water or sewage that backs up or overflows mudflow. or is otherwise discharged from a sewer, (2) But if Flood, as described in (1)(a) through (1)(e) drain, sump, sump pump or related above, results in fire, explosion or sprinkler equipment. However, this exclusion does not leakage, we will pay for the loss or damage apply to the backup or overflow of water or caused by that fire, explosion or sprinkler sewage from drains within a building if the leakage. backup or overflow is not otherwise directly or (3) This exclusion does not apply to property in indirectly caused by the Flood Exclusions in transit. CM U3 50 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. COMMERCIAL INLAND MARINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EARTH MOVEMENT EXCLUSION This endorsement modifies insurance provided under the following: CONTRACTORS EQUIPMENT COVERAGE FORM The following Exclusion is added to Section B—EXCLUSIONS, Part 1: Earth Movement loss or damage caused by that fire or (1) Any of the following, all whether naturally explosion; or occurring or due to man—made or other artificial (b) Paragraph (1)(e) above, results in fire, causes: building glass breakage or Volcanic Action, (a) Earthquake, including tremors and we will pay for the loss or damage caused by aftershocks, and earth sinking, rising or that fire, building glass breakage or Volcanic shifting related to such event; Action. (b) Landslide, including any earth sinking, rising Volcanic Action means direct loss or damage resulting from the eruption of a volcano when or shifting related to such event; the loss or damage is caused by: (c) Mine subsidence, meaning subsidence of a (i) Airborne volcanic blast or airborne shock man—made mine, whether or not mining waves; activity has ceased; (d) Earth sinking (other than "sinkhole collapse"), (ii) Ash, dust or particulate matter; or rising, or shifting including soil conditions (iii) Lava flow. which cause settling, cracking or other With respect to coverage for Volcanic Action disarrangement of foundations or other parts as set forth in (i), (ii) and (iii) above, volcanic of realty. Soil conditions include contraction, eruptions that occur within any 168—hour expansion, freezing, thawing, erosion, period will constitute a single occurrence. improperly compacted soil and the action of Volcanic Action does not include the cost to water under the ground surface; or remove ash, dust or particulate matter that (e) Volcanic eruption, explosion or effusion. does not cause direct physical loss or (2) If Earth Movement as described in: damage to the described property. (a) Paragraphs (1)(a) through (1)(d) above (3) This exclusion does not apply to property in transit. results in fire or explosion, we will pay for the CM U3 66 01 21 ©2021 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. COMMERCIAL INLAND MARINE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. DIGITAL ASSETS EXCLUSIONS - DIGITAL CURRENCY AND NON-FUNGIBLE TOKENS This endorsement modifies insurance provided under the following: COMMERCIAL INLAND MARINE COVERAGE PART A. The following is added to any Property Not We will not pay for any loss caused by or Covered Section of any Inland Marine Coverage resulting from loss of or damage to: Form: Covered Property also does not include: (1) Any"digital currency"; or (1) Any"digital currency"; or (2) Any"non-fungible token". (2) Any"non-fungible token". D. The following is added to any DEFINITIONS B. The following is added to any definition of Section of any Inland Marine Coverage Form: "money", "securities" and "fine arts": This "Digital currency" means any exclusively digital, definition does not include: electronic or virtual currency, including crypto (1) Any"digital currency"; or currency, that is a representation of value and (2) Any"non-fungible token". may be used as a medium of exchange or held as an investment. C. The following exclusion is added to any "Non-fungible token" means any unique or EXCLUSIONS section of any Inland Marine semi-unique unit of data, digital file or token or Coverage Form that provides business income or other digital identifier that is recorded in a digital extra expense coverage: ledger, such as a blockchain. CM U6 41 01 23 ©2023 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 COMMERCIAL CRIME COMMERCIAL CRIME TRAVELERS J One Tower Square, Hartford, Connecticut 06183 GOVERNMENT CRIME POLICY NO: H-630-8W781959-TIL-24 COVERAGE PART DECLARATIONS ISSUE DATE: 10-10-24 INSURING COMPANY: TRAVELERS PROPERTY CASUALTY COMPANY OF AMERICA Declarations Period: From 10-01-24 to 10-01-25 12:01 A.M. Standard Time at your mailing address shown in the Common Policy Declarations. The Government Crime Coverage Part consists of this Declarations Form and the Government Crime Coverage Form. EMPLOYEE BENEFIT PLAN(S) INCLUDED AS INSUREDS: 1. INSURING AGREEMENTS, LIMITS OF INSURANCE AND DEDUCTIBLES: LIMIT OF DEDUCTIBLE AMOUNT INSURING AGREEMENTS INSURANCE Per Occurrence Per Occurrence 1. Employee Theft—Per Loss Coverage $ 500,000 $ 5,000 2. Employee Theft—Per Employee Coverage NOT COVERED 3. Forgery Or Alteration NOT COVERED 4. Inside The Premises—Theft Of Money And Securities $ 500,000 $ 5,000 5. Inside The Premises— Robbery Or Safe Burglary Of Other Property $ 500,000 $ 5,000 6. Outside The Premises $ 500,000 $ 5,000 7. Computer Fraud NOT COVERED 8. Funds Transfer Fraud NOT COVERED 9. Money Orders And Counterfeit Paper Currency NOT COVERED If Added by Endorsement, Insuring Agreement(s): If "Not Covered" is inserted above opposite any specified Insuring Agreement, such Insuring Agreement and any other reference thereto in this policy is deleted. 2. NUMBERS OF FORMS, SCHEDULES AND ENDORSEMENTS FORMING PART OF THIS COVERAGE PART ARE LISTED BELOW OR ATTACHED AS A SEPARATE LISTING. 3. CANCELLATION OF PRIOR INSURANCE ISSUED BY US: By acceptance of this Coverage Part you give us notice cancelling prior policy Nos. H-630-8W781959-TIL-23 ; the cancellation to be effective at the time this Coverage Part becomes effective. CR TO 22 07 02 Pagel of 1 PRODUCER:HUs INTERNATIONAL VE589 OFFICE: SAN ANTONIO-EAST 24T TABLE OF CONTENTS GOVERNMENT CRIME COVERAGE FORM (DISCOVERY FORM) Beginning on Page DECLARATIONS A. Insuring Agreements................................ ................................................................... 1 1. Employee Theft—Per Loss Coverage .................................................................. 1 2. Employee Theft—Per Employee Coverage.......................................................... 1 3. Forgery Or Alteration.............................................................................. .............. 1 4. Inside The Premises—Theft Of Money And Securities ....................................... .. 1 5. Inside The Premises—Robbery Or Safe Burglary Of Other Property .................... 1 6. Outside The Premises............................................................................... ........... 1 7. Computer Fraud....................................................................................... ............ 2 8. Funds Transfer Fraud ................................................................................ .......... 2 9. Money Orders And Counterfeit Paper Currency.................................................... 2 B. Limit Of Insurance ........................................................................... ............................. 2 C. Deductible ..................................................................................... ............................... 2 D. Exclusions.......................................................................................... .......................... 2 1. This Policy Does Not Apply To: ................................................................ ............ 2 a. Acts Committed By You.......................................................................... ...... 2 b. Acts Of Officials, Employess Or Representatives.......................................... 2 C. Governmental Action.................................................................................. 2 d. Indirect Loss................................................................................... .............. 2 e. Legal Expenses..................................................................................... ....... 2 f. Nuclear ......................................................................................... ............... 2 g. War And Similar Actions..................................................................... .......... 3 2. Insuring Agreement A.1. And A.2. Do Not Apply To:............................................. 3 a. Bonded Employees .................................................................................. .... 3 b. Employees Cancelled Under Prior Insurance................................................ 3 c. Inventory Shortages ............................................................................ ......... 3 d. Trading........................................................................................... .............. 3 e. Treasurers Or Tax Collectors........................................................................ 3 3. Insuring Agreements A.4., A.S. And A.6. Do Not Apply To:................................... 3 a. Accounting Or Arithmetical Errors Or Omissions........................................... 3 b. Exchanges Or Purchases............................................................................. 3 C. Fire ........................................................................................... ................... 3 d. Money Operated Devices.......................................................................... ... 3 e. Motor Vehicles Or Equipment And Accessories ............................................ 3 f. Transfer Or Surrender Of Property.............................................................. 3 g. Vandalism ...................................................................................... .............. 3 h. Voluntary Parting Of Title To Or Possession Of Property.............................. 4 4. Insuring Agreement A.7. Does Not Apply To: ....................................................... 4 a. Exchanges Or Purchases............................................................................. 4 b. Funds Transfer Fraud................................................................................ ... 4 c. Inventory Shortages ............................................................................ ......... 4 d. Voluntary Parting Of Title To Or Possession Of Property.............................. 4 CR TO 29 01 05 Page 1 of 3 Beginning On Page 5. Insuring Agreement A.B. Does Not Apply To: ....................................................... 4 ComputerFraud............................................................................................ ....... 4 E. Conditions 4 1. Conditions Applicable To All Insuring Agreements................................................ 4 a. Cancellation As To Any Employee................................................................ 4 b. Concealment, Misrepresentation or Fraud .................................................... 4 C. Discovery.......................................................................................... ........... 4 d. Duties In The Event Of Loss.................................................................... ..... 5 e. Employee Benefit Plan(s) ............................................................................. 5 f. Extended Period To Discover Loss............................................................... 5 g. Joint Insured ................................................................................ ................ 5 h. Legal Action Against Us............................................................................ .... 5 i. Liberalization.................................................................................. .............. 6 j. Loss Covered Under More Than One Coverage Of This Insurance............... 6 k. Non-Cumulation Of Limit Of Insurance......................................................... 6 I. Other Insurance ...................................................................................... ..... 6 m. Ownership Of Property; Interests Covered................................................ .... 6 n. Records ........................................................................................ ............... 6 o. Recoveries..................................................................................... .............. 6 p. Territory .......................................................................................... ............ 6 q. Transfer Of Your Rights Of Recovery Against Others To Us ......................... 6 r. Valuation —Settlement ............................................................................ .... 6 2. Condition Applicable To Insuring Agreement A.1 And A.2..................................... 7 a. Indemnification............................................................................... .............. 7 b. Territory .......................................................................................... ............. 7 3. Conditions Applicable To Insuring Agreement A.3................................................ 7 a. Deductible..................................................................................... ............... 7 b. Electronic And Mechanical Signatures.......................................................... 7 C. Proof Of Loss...................................................................................... ......... 7 d. Territory .......................................................................................... ............. 7 4. Conditions Applicable To Insuring Agreement A.S. and A.6. ................................. 8 a. Armored Motor Vehicle Companies .............................................................. 8 b. Special Limit Of Insurance For Specified Property........................................ 8 5. Conditions Applicable To Insuring Agreement A.7................................................ 8 a. Special Limit Of Insurance For Specified Property........................................ 8 b. Territory .......................................................................................... ............. 8 F. Definitions ........................................................................................ ............................ 8 1. Banking Premises............................................................................. ................... 8 2. Counterfe it...................................................................................... ..................... 8 3. Custodian ...................................................................................... ...................... 8 4. Employee........................................................................................... .................. 8 5. Forgery........................................................................................ ........................ 9 6. Fraudulent Instruction ................................................................................. ......... 9 7. Funds .......................................................................................... ........................ 9 8. Messenger................................................................................... ........................ 9 9. Money............................................................................................. ..................... 9 10. Occurrence.................................................................................... ...................... 9 11. Other Property .................................................................................... ................. 9 Page 2 of 3 CR TO 29 01 05 Beginning on Page 12. Premises .......................................................................................... ................... 9 13. Robbery....................................................................................... ........................ 9 14. Safe Burglary................................................................................... .................... 9 15. Securities....................................................................................... ...................... 9 16. Theft........................................................................................... ......................... 9 17. Transfer Account.................................................................................. ................ 9 18. Watch Person ................................................................................... ................... 10 CR TO 29 01 05 Page 3 of 3 COMMERCIAL CRI ME GOVERNMENT CRIME COVERAGE FORM (DISCOVERY FORM) Various provisions in this policy restrict coverage. the Limit of Insurance applicable to this Read the entire policy carefully to determine rights, Insuring Agreement. duties and what is or is not co vered. 4. Inside The Premises—Theft Of Money And Throughout this policy the words "you" and "your" re- Securities fer to the Named Insured shown in the Declarations. a. We will pay for loss of "money" and "se- The words "we", "us" and "our" refer to the Company curities" inside the "premises" or "banking providing this insurance. premises" resulting directly from "theft", Other words and phrases that appear in quotation disappearance or destruction. marks have special meaning. Refer to Section F. b. We will pay for loss from damage to the Definitions. "premises" or its exterior resulting directly A. Insuring Agreements from an actual or attempted "theft" of Coverage is provided under the following Insuring "money" and "securities", if you are the Agreements for which a Limit of Insurance is owner of the "premises" or are liable for shown in the Declarations: damage to it. 1. Employee Theft—Per Loss Coverage c. We will pay for loss of or damage to a locked safe, vault, cash register, cash box We will pay for loss of or damage to "money", or cash drawer located inside the "prem- "securities" and "other property" resulting di- ises" resulting directly from an actual or rectly from "theft" committed by an "em- attempted "theft" of or unlawful entry into ployee", whether identified or not, acting those containers. alone or in collusion with other persons. S. Inside The Premises — Robbery Or Safe 2. Employee Theft—Per Employee Coverage Burglary Of Other Property We will pay for loss of or damage to "money", a. We will pay for loss of or damage to "securities" and "other property" resulting di- "other property": rectly from "theft" committed by each "em- ployee", whether identified or not, acting (1) Inside the "premises" resulting di- alone or in collusion with other persons. "rectlyrobbery" from an actual or attempted "robbery" of a "custodian"; or 3. Forgery Or Alteration (2) Inside the "premises" in a safe or a. We will pay for loss resulting directly from vault resulting directly from an actual "forgery" or alteration of checks, drafts, or attempted "safe burglary". promissory notes, or similar written prom- ises, orders or directions to pay a sum b. We will pay for loss from damage to the certain in "money" that are: "premises" or its exterior resulting directly (1) Made or drawn by or drawn upon from an actual or attempted "robbery" or "safe burglary" of "other property", if you you; or are the owner of the "premises" or are li- (2) Made or drawn by one acting as your able for da mage to it. agent; c. We will pay for loss of or damage to a or that are purported to have been so locked safe or vault located inside the made or drawn. "premises" resulting directly from an ac- b. If you are sued for refusing to pay any in- tual or attempted "robbery" or "safe bur- strument covered in Paragraph a. above, glary". on the basis that it has been forged or al- 6. Outside The Premises tered, and you have our written consent a. We will pay for loss of "money" and "se- to defend against the suit, we will pay for curities" outside the "premises" in the any reasonable legal expenses that you care and custody of a "messenger" or an incur and pay in that defense. The armored motor veh icle company resulting amount that we will pay is in addition to CR 00 24 07 02 © ISO Properties, Inc., 2001 Page 1 of 10 COMMERCIAL CRI ME directly from "theft", disappearance or de- a. Acts Committed By You struction. Loss resulting from "theft" or any other b. We will pay for loss of or damage to dishonest act committed by you, whether "other property" outside the "premises" in acting alone or in collusion with other the care and custody of a "messenger" or persons. an armored motor vehicle company re- b. Acts Of Officials, Employees Or Rep- sulting directly from an actual or at- resentatives tempted "robbery". Loss resulting from "theft" or any other 7. Computer Fraud dishonest act committed by any of your We will pay for loss of or damage to "money", officials, "employees" or authorized rep- "securities" and "other property" resulting di- resentatives: rectly from the use of any computer to fraudu- (1) Whether acting alone or in collusion lently cause a transfer of that property from with other persons; or inside the "premises" or"banking premises": a. To a person (other than a "messenger") (2) While performing services for you or otherwise; outside those "premises"; or b. To a place outside those"premises". except when covered under Insuring Agreements A.1. or A.2. 8. Funds Transfer Fraud c. Governmental Action We will pay for loss of "funds" resulting di- Loss resultingfrom seizure or destruction rectly from a "fraudulent instruction" directing of property by order of governmental au- a financial institution to transfer, pay or deliver thority. "funds" from your"transfer account". d. Indirect Loss 9. Money Orders And Counterfeit Paper Cur- rency Loss that is an indirect result of any act or "occurrence" covered by this insurance We will pay for loss resulting directly from including, but not limited to, loss resulting your having accepted in good faith, in ex- from: change for merchandise, "money" or ser- vices: (1) Your inability to realize income that a. Money orders issued by any post office, you would have realized had there been no loss of or damage to express company or bank that are not "money", "securities" or "other prop- paid upon presentation; or erty" b. "Counterfeit" paper currency that is ac- (2) Payment of damages of any type for quired during the regular course of busi- which you are legally liable. But, we ness. will pay compensatory damages aris- B. Limit Of Insurance ing directly from a loss covered under The most we will pay for loss in any one "occur- this insurance. rence" is the applicable Limit of Insurance shown (3) Payment of costs, fees or other ex- in the Declarations. penses you incur in establishing ei- C. Deductible ther the existence or the amount of loss under this insurance. We will not pay for loss in any one "occurrence" unless the amount of loss exceeds the Deductible e. Legal Expenses Amount shown in the Declarations. We will then Expenses related to any legal action, ex- pay the amount of loss in excess of the Deducti- cept when covered under Insuring ble Amount, up to the Limit of Insurance. In the Agreement A.3. event more than one Deductible Amount could f. Nuclear apply to the same loss, only the highest Deducti- ble Amount may be applied. Loss resulting from nuclear reaction, nu- clear radiation or radioactive contamina- D. Exclusions tion, or any related act or incident. 1. This insurance does not apply to Page 2 of 10 © ISO Properties, Inc., 2001 CR 00 24 07 02 COMMERCIAL CRI ME g. War And Similar Actions c. Fire Loss resulting from war, whether or not Loss resulting from fire, however caused, declared, warlike action, insurrection, re- except: bellion or revolution, or any related act or (1) Loss of or damage to "money" and incident. "securities"; and 2. Insuring Agreements A.1. and A.2. do not apply to: (2) Loss from damage to a safe or vault. a. Bonded Employees d. Money Operated Devices Loss of property contained in any money Loss caused by any "employee" required operated device unless the amount of by law to be individually bonded. "money" deposited in it is recorded by a b. Employees Cancelled Under Prior In- continuous recording instrument in the surance device. Loss caused by any "employee" of yours, e. Motor Vehicles Or Equipment And Ac- or predecessor in interest of yours, for cessories whom similar prior insurance has been Loss of or damage to motor vehicles, cancelled and not reinstated since the trailers or semi-trailers or equipment and last such cancellation. accessories attached to the m. c. Inventory Shortages f. Transfer Or Surrender Of Property Loss, or that part of any loss, the proof of (1) Loss of or damage to property after it which as to its existence or amount is de- pendent upon: has been transferred or surrendered to a person or place outside the (1) An inventory computation; or "premises" or"banking premises": (2) A profit and loss computation. (a) On the basis of unauthorized in- However, where you establish wholly structions; apart from such computations that you (b) As a result of a threat to do bodi ly have sustained a loss, then you may offer harm to any person; or your inventory records and actual physi- cal count of inventory in support of the (c) As a result of a threat to do dam- amount of loss claimed. age to any property. (2) But, this Exclusion does not apply d. Trading under Insuring Agreement A.6. to Loss resulting directly or indirectly from loss of "money", "securities" or 'other trading, whether in your name or in a property" while outside the "prem- genuine or fictitious account. ises" in the care and custody of a e. Treasurers Or Tax Collectors "messenger" if you: Loss caused by any treasurer or tax col- (a) Had no knowledge of any threat lector by whatever name known. at the time the conveyance be- 3. Insuring Agreements AA., A.S. and A.6. do gan; or not apply to: (b) Had knowledge of a threat at the time the conveyance began, but a. Accounting Or Arithmetical Errors Or the loss was not related to the Omissions threat. Loss resulting from accounting or arith- g. Vandalism metical errors or omissions. Loss from damage to the"premises" or its b. Exchanges Or Purchases exterior, or to any safe, vault, cash regis- Loss resulting from the giving or surren- ter, cash box, cash drawer or 'other dering of property in any exchange or property" by vandalism or malicious mis- purchase. chief. CR 00 24 07 02 © ISO Properties, Inc., 2001 Page 3 of 10 COMMERCIAL CRI ME h. Voluntary Parting Of Title To Or Pos- your "employees" who is not in session Of Property collusion with the"employee"; Loss resulting from your, or anyone act- of "theft" or any other dishonest act ing on your express or implied authority, committed by the "employee"whether being induced by any dishonest act to before or after becoming employed voluntarily part with title to or possession by you. of any property. (2) On the date specified in a notice 4. Insuring Agreement A.7. does not apply to: mailed to the first Named Insured. a. Exchanges Or Purchases That date will be at least 30 days af- Loss resulting from the giving or surren- ter the date of mailing. dering of property in any exchange or We will mail or deliver our notice to purchase. the first Named Insured's last mailing address known to us. If notice is b. Funds Transfer Fraud mailed, proof of mailing will be suffi- Loss resulting from a "fraudulent instruc- cient proof of notice. tion" directing a financial institution to b. Concealment, Misrepresentation Or transfer, pay or deliver "funds" from your Fraud "transfer account". This insurance is void in any case of c. Inventory Shortages fraud by you as it relates to this insurance Loss, or that part of any loss, the proof of at any time. It is also void if you or any which as to its existence or amount is de- other Insured, at any time, intentionally pendent upon: conceal or misrepresent a material fact (1) An inventory computation; or concerning: (2) A profit and loss computation. (1) This insurance; d. Voluntary Parting Of Title To Or Pos- (2) The property covered under this in- session Of Property surance; Loss resulting from your, or anyone act- (3) Your interest in the property covered ing on your express or implied authority, under this insurance; or being induced by any dishonest act to (4) A claim under this insurance. voluntarily part with title to or possession c. Discovery of any property. (1) We will pay for loss that you sustain 5. Insuring Agreement A.B. does not apply to: through acts committed or events oc- COMPUTER FRAUD curring at any time and discovered by Loss resulting from the use of any computer you: to fraudulently cause a transfer of "money", (a) During the policy period shown in "securities" or"other property". the Declarations; or E. Conditions (b) During the period of time pro- The following conditions apply in addition to the vided in the Extended Period To Common Policy Conditions: Discover Loss Condition E.1.f. 1. Conditions Applicable To All Insuring (2) Discovery of loss occurs when you Agreements first become aware of facts which would cause a reasonable person to a. Cancellation As To Any Employee assume that a loss covered by this This insurance is cancelled as to any insurance has been or will be in- "employee": curred, even though the exact (1) Immediately upon discovery by: amount or details of loss may not then be known. (a) You; or Discovery also occurs when you re- (b) Any official or employee author- ceive notice of an actual or potential ized to manage, govern or control claim against you alleging facts that if Page 4 of 10 © ISO Properties, Inc., 2001 CR 00 24 07 02 COMMERCIAL CRI ME true would constitute a loss covered g. Joint Insured under this insurance. (1) If more than one Insured is named in d. Duties In The Event Of Loss the Declarations, the first Named In- After you discover a loss or a situation sured will act for itself and for every that may result in loss of or damage to other Insured for all purposes of this ,'money", "securities" or "other property" insurance. If the first Named Insured you must: ceases to be covered, then the next Named Insured will become the first (1) Notify us as soon as possible. If you Named Insured. have reason to believe that any loss (except for loss covered under Insur- (2) If any Insured or official of that In- ing Agreements A.1., A.2. or A.3.) in- sured has knowledge of any informa- volves aviolation of law, you must tion relevant to this insurance, that also notify the local law enforcement knowledge is considered knowledge of every Insured. authorities. (2) Submit to examination under oath at (3) An "employee" of any Insured is con- our request and give us a signed sidered to be an "employee" of every statement of your answers. Insured. (3) Give us a detailed, sworn proof of (4) If this insurance or any of its cover- loss within 120 days. ages is cancelled or terminated as to (4) Cooperate with us in the investigation any Insured, loss sustained by that Insured is covered only if discovered and settlement of any claim. by you during the period of time pro- e. Employee Benefit Plan(s) vided in the Extended Period To Dis- (1) The employee benefit plan(s) shown cover Loss Condition E.M. in the Declarations are included as However, this extended period to dis- Insureds under Insuring Agreements cover loss terminates as to that In- A.1. or A.2. sured immediately upon the effective (2) Any payment we make to you for loss date of any other insurance obtained sustained by any Plan will be held by by that Insured replacing in whole or you for the use and benefit of the in part the insurance afforded here- Plan(s) sustaining the loss. under, whether or not such other in- surance provides coverage for loss (3) The Deductible Amount applicable to Insuring Agreements A.1. or A.2. sustained prior to its effective date. does not apply to loss sustained by (5) We will not pay more for loss sus- any employee benefit plan(s). tained by more than one Insured than the amount we would pay if all the f. Extended Period To Discover Loss loss had been sustained by one In- (1) We will pay for loss that you sus- sured. tained prior to the effective date of h. Legal Action Against Us termination or cancellation of this in- surance, which is discovered by you You may not bring any legal action no later than 60 d ays from the date of against us involving loss: that termination or cancellation. (1) Unless you have complied with all the (2) However, this extended period to dis- terms of this insurance; cover loss terminates immediately (2) Until 90 days after you have filed upon the effective date of any other proof of loss with us; and insurance obtained by you replacing (3) Unless brought within 2 years from in whole or in part the insurance af- the date you d iscover the loss. forded hereunder, whether or not such other insurance provides cover- If any limitation is prohibited by law, such age for loss sustained prior to its ef- limitation is amended so as to equal the fective date. minimum period of limitation provided by such law. CR 00 24 07 02 © ISO Properties, Inc., 2001 Page 5 of 10 COMMERCIAL CRI ME i. Liberalization n. Records If we adopt any revision that would You must keep records of all property broaden the coverage under this insur- covered under this insurance so we can ance without additional premium within 45 verify the amount of any loss. days prior to or during the policy period, o. Recoveries the broadened coverage will immediately apply to this insurance. (1) Any recoveries, less the cost of ob- taining them, made after settlement j. Loss Covered Under More Than One of loss covered by this insurance will Coverage Of This Insurance be distributed as follows: If two or more coverages of this insurance (a) To you, until you are reimbursed apply to the same loss, we will pay the for any loss that you sustain that lesser of: exceeds the Limit of Insurance (1) The actual amount of loss; or and the Deductible Amount, if (2) The sum of the Limits of Insurance any; applicable to those coverages. (b) Then to us, until we are reim- k. Non-Cumulation Of Limit Of Insurance bursed for the settlement made; and Regardless of the number of years this insurance remains in force or the number (c) Then to you, until you are reim- of premiums paid, no Limit of Insurance bursed for that part of the loss cumulates from year to year or policy pe- equal to the Deductible Amount, riod to policy period. if any. I. Other Insurance (2) Recoveries do not include any recov- This insurance does not apply to loss re- ery: coverable or recovered under other in- (a) From insurance, suretyship, rein- surance or indemnity. If the limit of the surance, security or indemnity other insurance or indemnity is insuffi- taken for our benefit; or cient to cover the entire amount of the (b) Of original "securities" after dupli- loss, this insurance will apply to that part cates of them have been issued. of the loss, other than that falling within p. Territory any Deductible Amount, not recoverable or recovered under the other insurance or This insurance covers acts committed or indemnity. events occurring within the United States of America (including its territories and However, this insurance will not apply to possessions) and Puerto Rico. the amount of loss that is more than the applicable Limit of Insurance shown in the q• Transfer Of Your Rights Of Recovery Declarations. Against Others To Us m. Ownership Of Property; Interests Cov- You must transfer to us all your rights of ered recovery against any person or organiza- tion for any loss you sustained and for The property covered under this insur- which we have paid or settled. You must ante is limited to property: also do everything necessary to secure (1) That you own or lease; those rights and do nothing after loss to (2) That you hold for others; or impair them. (3) For which you are legally liable. r. Valuation —Settlement However, this insurance is for your bene- (1) Subject to Section B. Limit Of Insur- fit only. It provides no rights or benefits to ance,we will pay for: any other person or organization. Any (a) Loss of "money" but only up to claim for loss under this insurance must and including its face value. be presented by you. (b) Loss of "securities" but only up to and including their value at the close of business on the day the Page 6 of 10 © ISO Properties, Inc., 2001 CR 00 24 07 02 COMMERCIAL CRI ME loss was discovered. We may, at (ii) Unless the repairs or re- our option: placement are made as soon (i) Pay the value of such "secu- as reasonably possible after rities" or replace the m in kind, the loss or damage. in which event you must as- If the lost or damaged property is sign to us all your rights, title not repaired or replaced, we will and interest in and to those pay on an actual cash value ba- "securities"; or sis. (i i) Pay the cost of any Lost Se- (2) Any property that we pay for or replace curities Bond required in becomes our property. connection with issuing dupli- 2. Conditions Applicable To Insuring Agree- cates of the "securities". ments A.1. And A.2. However, we will be liable only for the payment of so a. Indemnification much of the cost of the bond We will indemnify any of your officials as would be charged for a who are required by law to give bonds for bond having a penalty not the faithful performance of their duties exceeding the lesser of the: against loss through "theft" committed by i. Value of the "securities" "employees" who serve under them, sub- at the close of business ject to the applicable Limit of Insurance. on the day the loss was b. Territory discovered; or We will pay for loss caused by any "em- ii. Limit of Insurance. ployee" while temporarily outside the ter- (c) Loss of or damage to 'other ritory specified in the Territory Condition property" or loss from damage to E.1.p. for a period of not more than 90 the "premises" or its exterior for days. the replacement cost of the prop- 3. Conditions Applicable To Insuring Agree- erty without deduction for depre- ment A.3. ciation. However, we will not pay a. Deductible more than the least of the follow- ing: The Deductible Amount does not apply to (i) The Limit of Insurance appli- legal expenses paid under Insuring cable to the lost or damaged Agreement A.3. property; b. Electronic And Mechanical Signatures (i i) The cost to rep lace the lost or We will treat signatures that are prod uced damaged property with prop- or reproduced electronically, mechani- erty of comparable material cally or by other means the same as and quality and used for the handwritten signatures. same purpose; or c. Proof Of Loss (iii) The amount you actually You must include with your proof of loss spend that is necessary to any instrument involved in that loss, or, if repair or replace the lost or that is not possible, an affidavit setting damaged property. forth the amount and cause of loss. We will not pay on a replacement d. Territory cost basis for any loss or dam- We will cover loss you sustain anywhere age: in the world. The Territory Condition (i) Until the lost or damaged E.1.p. does not apply to Insuring Agree- property is actually repaired ment A.3. or replaced; and CR 00 24 07 02 © ISO Properties, Inc., 2001 Page 7 of 10 COMMERCIAL CRI ME 4. Conditions Applicable To Insuring Agree- (a) While in your service or for 30 ments A.S. And A.6. days after termination of service; a. Armored Motor Vehicle Companies (b) Who you compensate directly by Under Insuring Agreement A.6., we will salary, wages or commissions; only pay for the amount of loss you can- and not recover: (c) Who you have the right to direct (1) Under your contract with the armored and control while performing ser- motor vehicle company; and vices for you; (2) From any insurance or indemnity car- (2) Any natural person who is furnished ried by, or for the benefit of custom- temporarily to you: ers of, the armored motor vehicle (a) To substitute for a permanent company. "employee" as defined in Para- b. Special Limit Of Insurance For Speci- graph (1) above, who is on leave; fied Property or We will only pay up to $5,000 for any one (b) To meet seasonal or short-term "occurrence" of loss of or damage to work load conditions; manuscripts, drawings, or records of any while that person is subject to yo ur di- kind or the cost of reconstructing them or rection and control and performing reproducing any information contained in services for you, excluding, however, them. any such person while having care 5. Conditions Applicable To Insuring Agree- and custody of property outside the ment A.7. "premises"; a. Special Limit Of Insurance For Speci- (3) Any natural person who is leased to fied Property you under a written agreement be- tween you and a labor leasing firm, to We will only pay up to $5,000 for any one perform duties related to the conduct occurrence of loss of or damage to of your business, but does not mean manuscripts, drawings, or records of any a temporary employee as defined in kind or the cost of reconstructing them or Paragraph (2) above; reproducing any information contained in (4) Any natural person who is: them. b. Territory (a) A trustee, officer, employee, ad- ministrator or manager, except an We will cover loss you sustain anywhere administrator or manager who is in the world. The Territory Condition an independent co ntractor, of any EA.p. does not apply to Insuring Agree- employee benefit plan(s) insured ment A.7. under this insurance; and F. Definitions (b) Your official while that person is 1. "Banking premises" means the interior of that handling "funds" or 'other prop- portion of any building occupied by a banking erty" of any employee benefit institution or similar safe depository. plan(s) insured under this insur- 2. "Counterfeit' means an imitation of an actual ance; valid original which is intended to decei ve and (5) Any natural person who is a former to be taken as the or igina1. official, "employee", representative or 3. "Custodian" means you or any "employee" trustee retained as a consultant while while having care and custody of property in- performing services for you; or side the "premises", excluding any person (6) Any natural person who is a guest while acting as a "watchperso n" or janitor. student or intern pursuing studies or 4. "Employee": duties, excluding, however, any such person while having care and custody a. "Employee" means: of property outside the "premises". (1) Any natural person: Page 8 of 10 © ISO Properties, Inc., 2001 CR 00 24 07 02 COMMERCIAL CRI ME b. "Employee" does not mean any agent, that person is involved, whether the loss independent contractor or representative involves one or more instruments. of the same general character. d. As respects all other Insuring Agree- s. "Forgery" means the signing of the name of ments: another person or organization with intent to (1) An act or series of related acts involy- deceive; it does not mean a signature which consists in whole or in part of one's own ing one or more persons; or name signed with or without authority, in any (2) An act or event, or a series of related capacity, for any purpose. acts or events not involving any per- son. 6. "Fraudulent instruction" means: 11. "Other property" means any tangible property a. An electronic, telegraphic, cable,teletype, other than "money" and "securities" that has telefacsimile or telephone instruction intrinsic value but does not include any prop- which purports to have been transmitted erty excluded under th is insurance. by you, but which was in fact fraudulently transmitted by someone else without your 12. "Premises" means the interior of that portion knowledge or consent; of any building you occupy in conducting your b. A written instruction (other than those de- business. scribed in Insuring Agreement A.3.) is- 13. "Robbery" means the unlawful taking of prop- sued by you, which was forged or altered erty from the care and custody of a person by by someone other than you without your one who has: knowledge or consent, or which purports a. Caused or threatened to cause that per- to have been issued by you, but was in son bodily harm; or fact fraudulently issued without your b. Committed an obviously unlawful act wit- knowledge or consent; or nessed by that person. c. An electronic, telegraphic, cable, teletype, 14. "Safe burglary" means the unlawful taking of: telefacsimile, telephone or written instruc- tion initially received by you which pur- a. Property from within a locked safe or ports to have been transmitted by an vault by a person unlawfully entering the "employee" but which was in fact fraudu- safe or vault as evidenced by marks of lently transmitted by someone else with- forcible entry upon its exterior; or out your or the "employee's" knowledge b. A safe or vault from inside the "premises". or consent. 15. "Securities" means negotiable and nonnego- 7. "Funds" means "money" and "securities". tiable instruments or contracts representing 8. "Messenger" means you or any "employee" either"money" or property and includes: while having care and custody of property a. Tokens, tickets, revenue and other outside the "premises". stamps (whether represented by actual 9. "Money" means: stamps or unused value in a meter) in a. Currency, coins and bank note s in current current use; and use and having a face value; and b. Evidences of debt issued in connection b. Travelers checks, register checks and with credit or charge cards, which cards money orders held for sale to the public. are not issued by you; 10. "Occurrence" means: but does not inc Jude"money". 16. "Theft" means the unlawful taking of"money", a. As respects Insuring Agreement A.1., all "securities" or "other property" to the depriva- loss caused by, or involving, one or more tion of the Insured. "employees", whether the result of a sin- gle act or series of acts. 17. "Transfer account" means an account main- b. As respects Insuring Agreement A.2., all tained by you at a financial institution from loss caused by each "employee",whether which you can initiate the transfer, payment the result of a single act or series of acts. or delivery of"funds": a. By means of electronic, telegraphic, ca- c. As respects Insuring Agreement A.3., all ble, teletype, telefacsimile or telephone loss caused by any person or in which instructions communicated directly CR 00 24 07 02 © ISO Properties, Inc., 2001 Page 9 of 10 COMMERCIAL CRI ME through an electronic funds transfer sys- ated by such financial institution through tem; or an electronic funds transfer system. b. By means of written instructions (other 18. "Watchperson" means any person you retain than those described in Insuring Agree- specifically to have care and custody of prop- ment A.3.) establishing the conditions erty inside the "premises" and who has no under which such transfers are to be initi- other duties. Page 10 of 10 © ISO Properties, Inc., 2001 CR 00 24 07 02 COMMERCIAL CRIME POLICY NUMBER: x-630-8w781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADD FAITHFUL PERFORMANCE OF DUTY COVERAGE FOR GOVERNMENT EMPLOYEES This endorsement modifies insurance provided under the following: GOVERNMENT CRIME COVERAGE FORM GOVERNMENT CRIME POLICY and applies to the Insuring Agreements designated below: A. Schedule* Insuring Agreement Limit Of Insurance 0 Employee Theft—Per Loss Coverage $ 500,000 ❑ Employee Theft—Per Employee Coverage $ * Information required to complete this Schedule, if not shown on this endorsement, will be shown in the Decla- rations. B. Provisions (2) The tortious conduct of an "em- 1. The following is added to the Employee ployee", except the conversion of Theft Insuring Agreement designated property of other parties held by you above: in any capacity. We will pay for loss or damage to "money", 3. Part (1) of the Cancellation As To Any Em- "securities" and 'other property" resulting di- ployee Condition is replaced by the following: rectly from the failure of any "employee" to (1) Immediately upon discovery by: faithfully perform his or her duties as pre- (a) You; or scribed by law, when such failure has as its direct and immediate result a loss of your (b) Any official or employee authorized to covered property. The most we will pay for manage, govern or control your "em- loss arising out of any one'occurrence" i s the ployees" of any act committed by the Limit of Insurance shown in the Schedule. "employee" whether before or after That Limit, is part of, not in addition to, the becoming employed by you which Limit of Insurance shown in the Declarations. would constitute a loss covered under 2. The following exclusions are added to Sect ion the terms of the Employee Theft In- suring Agreement, as amended by D.2. Exclusions: this endorsement. a. Loss resulting from the failure of any en- 4. The Indemnification Condition is replaced by tity acting as a depository for your prop- the following: erty or property for which you are respon- sible. We will indemnify any of your officials who b. Damages for which you are legally liable are required by law to give bonds for the faith- as a result of: ful performance of their duties against loss through the failure of any "employee" under (1) The deprivation or violation of the civil the supervision of that official to faithfully per- rights of any person by an "em- form his or her duties as prescribed by law, ployee"; or when such failure has as its direct and imme- diate result a loss of your covered property. CR 25 19 03 00 Copyright, Insurance Services Office, Inc., 1998 Page 1 of 1 INTERLINE ENDORSEMENTS INTERLINE ENDORSEMENTS POLICY NUMBER: H-630-8W781959-TIL-24 ISSUE DATE: 10-10-24 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ACTUAL CASH VALUE This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART DELUXE PROPERTY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART FARM COVERAGE PART TRAVELERS PROPERTY COVERAGE PART The following definition is added to any Definitions Section and applies to any provision that uses the term actual cash value: Actual cash value means the value of the covered property at the time of loss or damage. When calculating actual cash value using the estimated cost to repair or replace such property, with a reasonable deduction for depreciation that occurred before such loss or damage, we may apply depreciation to all components of the estimated cost, including the following: a. Materials; b. Labor; c. Overhead and profit; and d. Any applicable tax. The deduction for depreciation may include such considerations as: a. Age; b. Condition, such as wear and tear or deterioration; c. Reduction in useful life; and d. Obsolescence. This definition does not apply to covered property in the following states: AR CA CT GA LA ME MT NY PR VT WA WV WY IL TO 63 07 22 ©2022 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. AMENDMENT OF COMMON POLICY CONDITIONS - PROHIBITED COVERAGE - UNLICENSED INSURANCE AND TRADE OR ECONOMIC SANCTIONS This endorsement modifies insurance provided under the following: ALL COVERAGES INCLUDED IN THIS POLICY The following is added to the Common Policy Condi- b. The furnishing of certificates or other evi- tions: dence of insurance in any country or jurisdic- Prohibited Coverage—Unlicensed Insurance tion in which we are not licensed to provide 1. With respect to loss sustained by any insured, or insurance. loss to any property, located in a country or juris- Prohibited Coverage — Trade Or Economic Sanc- diction in which we are not licensed to provide tions this insurance, this insurance does not apply to We will provide coverage for any loss, or otherwise the extent that insuring such loss would violate will provide any benefit, only to the extent that provid- the laws or regulations of such country orjurisdic- ing such coverage or benefit does not expose us or tion. any of our affiliated or parent companies to: 2. We do not assume responsibility for: 1. Any trade or economic sanction under any law or a. The payment of any fine,fee, penalty or other regulation of the United States of America; or charge that may be imposed on any person 2. Any other applicable trade or economic sanction, or organization in any country or jurisdiction because we are not licensed to provide insur- prohibition or restriction. ance in such country or jurisdiction; or IL T4 12 03 15 © 2014 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART CYBERFIRST ESSENTIALS GENERAL PROVISIONS FORM CYBERFIRST GENERAL PROVISIONS FORM DELUXE PROPERTY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EMPLOYMENT PRACTICES LIABILITY+WITH IDENTITY FRAUD EXPENSE REIMBURSEMENT COVERAGE PART ENVIRONMENTAL HAZARD POLICY EQUIPMENT BREAKDOWN COVERAGE PART EXCESS FOLLOW-FORM AND UMBRELLA LIABILITY INSURANCE EXCESS (FOLLOWING FORM) LIABILITY INSURANCE LAW ENFORCEMENT LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART MANUFACTURERS ERRORS AND OMISSIONS LIABILITY COVERAGE PART MEDFIRST PRODUCTS/COMPLETED OPERATIONS, ERRORS AND OMISSIONS, AND INFORMATION SECURITY LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART PUBLIC ENTITY MANAGEMENT LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY- NEW YORK DEPARTMENT OF TRANSPORTATION TRAVELERS PROPERTY COVERAGE PART TRIBAL BUSINESS MANAGEMENT LIABILITY COVERAGE PART Any other Coverage Part or Coverage Form included in this policy that is subject to the federal Terrorism Risk Insurance Act of 2002 as amended The following is added to this policy. This provision "Certified act of terrorism" means an act that is can limit coverage for any loss arising out of a certified by the Secretary of the Treasury, in "certified act of terrorism" if such loss is otherwise accordance with the provisions of"TRIA", to be an act covered by this policy. This provision does not apply if of terrorism pursuant to "TRIA". The criteria contained and to the extent that coverage for the loss is in "TRIA" for a "certified act of terrorism" include the excluded or limited by an exclusion or other coverage following: limitation for losses arising out of "certified acts of 1. The act resulted in insured losses in excess of $5 terrorism" in another endorsement to this policy. million in the aggregate, attributable to all types of If aggregate insured losses attributable to "certified insurance subject to"TRIA"; and acts of terrorism" exceed $100 billion in a calendar 2, The act is a violent act or an act that is dangerous year and we have met our insurer deductible under to human life, property or infrastructure and is "TRIA", we will not be liable for the payment of any committed by an individual or individuals as part portion of the amount of such losses that exceeds $100 billion, and in such case, insured losses up to of an effort to coerce the civilian population of the that amount are subject to pro rats allocation in United States or to influence the policy or affect a the conduct of the United States Government by accordance with procedures established by the coercion. Secretary of the Treasury. "TRIA" means the federal Terrorism Risk Insurance Act of 2002 as amended. IL T4 14 01 21 ©2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. ADDITIONAL BENEFITS This endorsement modifies insurance provided under the following: ALL COVERAGES INCLUDED IN THIS POLICY The following Condition is added to each Common are under no obligation to pursue any of these Policy Conditions included in this policy: Additional Benefits. Additional Benefits 3. While we may arrange for these Additional 1. We may offer or provide, or allow others to Benefits, the other provider is liable to you or the provide, you or another insured under this policy other insured for the provision of the goods and with goods and services, access to discounted services. We do not warrant the merchantability, goods and services, other program benefits or fitness or quality of any goods or services other items of value that could assist your provided or assume any additional obligation business with managing your risk, with servicing related to any Additional Benefits provided. your policy or with staying informed about loss 4. We have the right to modify or discontinue any control and mitigation of risk. Additional Benefits provided by us, or others 2. These Additional Benefits may be provided in any authorized by us, without notice to you or any form. You or another insured under this policy other insured. may be eligible to receive additional benefits. You IL T4 27 06 19 ©2019 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. PROTECTION OF PROPERTY This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART DELUXE PROPERTY COVERAGE PART The insurance provided under this Coverage Part for (a) $5,000 at each of the described premises; direct physical loss of or damage to Covered Property and at the described premises is extended to include the (b) $10,000 for all described premises. following Additional Coverage: Protection of Property This is additional insurance. We will pay the necessary and reasonable expenses If the "specified cause of loss" from which the actually incurred by you to temporarily safeguard property is being safeguarded is subject to an Covered Property at the described premises against aggregate limit of insurance (meaning the limit of the threat of imminent covered direct physical loss or damage by a "specified cause of loss", subject to the insurance is the most we will pay for all loss or following: damage arising out of all occurrences of such "specified cause of loss" in any one annual period 1. This Additional Coverage only applies to of this policy), the Limit of Insurance that applies expenses incurred within 72 hours before the time to this Additional Coverage is not included in, and the imminent specified cause of loss is does not reduce, the aggregate Limit of Insurance reasonably likely to begin to cause direct physical loss or damage to the Covered Property. that applies to such "specified cause of loss". 2. This Additional Coverage does not apply to any 4. This Additional Coverage is subject to the expenses: deductible that applies to loss or damage to the (a) To which any Preservation of Property Covered Property by the "specified cause of loss" coverage in this Coverage Part may apply; or from which the property is being safeguarded. (b) For maintenance that reasonably should have In the event the "specified cause of loss" from been performed in the absence of any threat which the property is being safeguarded actually of imminent covered direct physical loss or causes covered direct physical loss or damage to damage by a "specified cause of loss". the Covered Property, the total of the deductible 3. The most we will pay under this Additional amounts applied under this Additional Coverage Coverage for all expenses arising out of all and under the coverage provided for such loss or threats of imminent direct physical loss or damage to the Covered Property will not exceed damage by a "specified cause of loss" occurring the deductible that applies to the covered loss or during each separate 12-month period of this damage to the Covered Property by the "specified policy beginning with the effective date of this cause of loss". policy is: IL T4 40 10 20 ©2020 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF LOSS DUE TO VIRUS OR BACTERIA This endorsement modifies insurance provided under the following: COMMERCIAL PROPERTY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART FARM COVERAGE PART A. The exclusion set forth in Paragraph B. applies to croorganism that induces or is capable of induc- all coverage under all forms and endorsements ing physical distress, illness or disease. that comprise this Coverage Part or Policy, in- C. With respect to any loss or damage subject to the cluding but not limited to forms or endorsements that cover property damage to buildings or per- exclusion in Paragraph B., such exclusion super- sonal property and forms or endorsements that sedes any exclusion relating to"pollutants". cover business income, extra expense, rental D. The terms of the exclusion in Paragraph B., or the value or action of civil authority. inapplicability of this exclusion to a particular loss, B. We will not pay for loss or damage caused by or do not serve to create coverage for any loss that resulting from any virus, bacterium or other mi- would otherwise be excluded under this Coverage Part or Policy. IL T3 82 05 13 ©2013 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office,Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EXCLUSION OF CERTAIN COMPUTER-RELATED LOSSES DUE TO DATES OR TIMES This endorsement modifies insurance provided under the following: BOILER AND MACHINERY COVERAGE PART COMMERCIAL CRIME COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART COMMERCIAL PROPERTY COVERAGE PART A. We will not pay for loss ("loss") or damage replacement or supervision provided or done caused directly or indirectly by any of the follow- by you or for you to determine, rectify or test ing. Such loss ("loss") or damage is excluded re- for, any potential or actual problems de- gardless of any other cause or event that contrib- scribed in Paragraph A.1. of this endorse- utes concurrently or in any sequence to the loss ment. ("loss") or damage. B. If an excluded Cause of Loss as described in 1. The failure, malfunction or inadequacy of: Paragraph A. of this endorsement results: a. Any of the following, whether belonging to 1. In a Covered Cause of Loss under the Boiler any insured or to others: and Machinery Coverage Part, the Commer- (1) Computer hardware, including micro- cial Crime Coverage Part or the Commercial processors; Inland Marine Coverage Part; or (2) Computer application software; 2. Under the Commercial Property Coverage (3) Computer operating systems and re- Part: lated software; a. In a "Specified Cause of Loss", in eleva- (4) Computer networks; for collision resulting from mechanical (5) Microprocessors (computer chips) not breakdown, or from theft (if insured) un- part of any computer system; or der the Causes of Loss — Special Form; (6) Any other computerized or electronic or equipment or components; or b. In a Covered Cause of Loss under the b. Any other products, and any services, Causes of Loss — Basic Form or the data or functions that directly or indirectly Causes of Loss —Broad Form; use or rely upon, in any manner, any of we will pay only for the loss ("loss") or damage the items listed in Paragraph A.1.a. of this caused by such "Specified Cause of Loss", eleva- endorsement; for collision,theft, or a Covered Cause of Loss. due to the inability to correctly recognize, proc- C. We will not pay for repair, replacement or modifi- ess, distinguish, interpret or accept one or more cation of any items in Paragraphs A.1.a. and dates or times. An example is the inability of A.1.b. of this endorsement to correct any defi- computer software to recognize the year 2000. ciencies or change any features. 2. Any advice, consultation, design, evaluation, inspection, installation, maintenance, repair, IL T3 55 05 13 ©2013 The Travelers Indemnity Company.All rights reserved. Page 1 of 1 Includes copyrighted material of Insurance Services Office, Inc.with its permission. THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. IDAHO CHANGES - CANCELLATION AND NONRENEWAL This endorsement modifies insurance provided under the following: COMMERCIAL AUTOMOBILE COVERAGE PART COMMERCIAL GENERAL LIABILITY COVERAGE PART COMMERCIAL INLAND MARINE COVERAGE PART CRIME AND FIDELITY COVERAGE PART DELUXE PROPERTY COVERAGE PART CRIME AND FIDELITY COVERAGE PART EMPLOYMENT-RELATED PRACTICES LIABILITY COVERAGE PART EQUIPMENT BREAKDOWN COVERAGE PART LIQUOR LIABILITY COVERAGE PART MEDICAL PROFESSIONAL LIABILITY COVERAGE PART POLLUTION LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART A. Paragraphs 1. and 2. of the CANCELLATION (1) Nonpayment of premium; Common Policy Condition — Deluxe are replaced (2) Fraud or material misrepresentation by the following: made by you or with your knowledge 1. The first Named Insured shown in the Decla- in obtaining the policy, continuing the rations may cancel this policy by mailing or policy or in presenting a claim under delivering to us advance written notice of the policy; cancellation. Cancellation will be effective on (3) Acts or omissions on your part which the later of the date requested by the first increase any hazard insured against; Named Insured or the date we receive the re- quest. (4) Change in the risk which materially increases the risk of loss after the 2. Policies In Effect policy has been issued or renewed a. 60 Days Or Less including, but not limited to, an in- If this policy has been in effect for 60 crease in exposure due to regulation, days or less, we may cancel this policy by legislation or court decision; mailing or delivering to the first Named (5) Loss of or decrease in reinsurance Insured written notice of cancellation at which provided us with coverage for least: all or part of the risk insured; (1) 10 days before the effective date of (6) A determination by the Director of In- cancellation if we cancel for nonpay- surance that continuation of this pol- ment of premium. If delivered via icy would jeopardize our solvency or United States mail, the 10 day notifi- place us in violation of the insurance cation period begins to run 5 day s fol- laws of Idaho or any other state; or lowing the date of postmark; or (7) Violation or breach by the insured of (2) 60 days before the effective date of any policy terms or conditions other cancellation if we cancel for any other than nonpayment of premium. reason. We will mail or deliver written notice of can- b. More Than 60 Days cellation to the first Named Insured at least: If this policy has been in effect for more (a) 10 days before the effective date than 60 days, or is a renewal of a policy of cancellation if we cancel for we issued, we may cancel this policy only nonpayment of premium. If deliv- for one or more of the following reasons: ered via United States mail, the 10 day notification period begins IL T9 41 09 08 Includes the copyrighted material of Insurance Services Office, Inc.with its permission. Page 1 of 2 to run 5 days following the date of C. The following Condition is added: postmark; or PREMIUM OR COVERAGE CHANGES AT RE- (b) 60 days before the effective date NEWAL of cancellation if we cancel for 1. If we elect to renew this policy, we will mail or any other reason stated in 2.b. above. deliver written notice of any total premium in- crease greater than ten (10%) which is the B. The following Condition is added and supersedes result of a comparable increase in premium any provision to the contrary: rates, change in deductible, reduction in I imits NONRENEWAL or reduction in coverage to the first Named 1. If we elect not to renew this policy, we will Insured, at the last mailing address known to mail or deliver to the first Named Insured a us. written notice of intention not to renew at least 2. Any such notice will be mailed or delivered to 60 days prior to the expiration or anniversary the first Named Insured at least 60 days be- date of the policy. fore the expiration or anniversary date of the 2. We will mail or deliver our notice to the first policy. Named Insured's last mailing address known 3. If notice is not mailed or delivered at least 60 to us. days before the expiration or anniversary date 3. If notice is not mailed or delivered at least 60 of the policy, the premium, deductible, limits days before the expiration or anniversary date and coverage in effect prior to the changes of this policy, this policy will remain in effect will remain in effect until the earlier of the fol- until 60 days after notice is mailed or deliv- lowing: ered. Earned premium for the extended pe- a. 30 days after notice is given; or riod of coverage will be calculated pro rata at b. The effective date of replacement cover- the rates applicable to the expiring policy. age obtained by the first Named Insured. 4. We need not mail or deliver this notice if: 4. If the first Named Insured accepts the re- a. We have offered to renew this policy; newal, the premium increase, if any, and b. You have obtained replacement cover- other changes will be effective on and after age; or the first day of the renewal term. c. You have agreed in writing to obtain re- S. If the first Named Insured elects not to renew, placement coverage. any earned premium for the resulting ex- tended period of coverage will be calculated S. If notice is mailed, proof of mailing will be suf- pro rata at the lower of the new rates or rates ficient proof of notice. applicable to the expiring policy. 6. If notice is mailed, proof of mailing will be suf- ficient proof of notice. Page 2 of 2 Includes the copyrighted material of Insurance Services Office, Inc.with its permission. IL T9 41 09 08 POLICYHOLDER NOTICES POLICYHOLDER NOTICES IMPORTANT NOTICE - INDEPENDENT AGENT AND BROKER COMPENSATION NO COVERAGE IS PROVIDED BY THIS NOTICE. THIS NOTICE DOES NOT AMEND ANY PROVISION OF YOUR POLICY. YOU SHOULD REVIEW YOUR ENTIRE POLICY CAREFULLY FOR COMPLETE INFORMATION ON THE COVERAGES PROVIDED AND TO DETERMINE YOUR RIGHTS AND DUTIES UNDER YOUR POLICY. PLEASE CONTACT YOUR AGENT OR BROKER IF YOU HAVE ANY QUESTIONS ABOUT THIS NOTICE OR ITS CONTENTS. IF THERE IS ANY CONFLICT BETWEEN YOUR POLICY AND THIS NOTICE, THE PROVISIONS OF YOUR POLICY PREVAIL. For information about how Travelers compensates independent agents and brokers, please visit www.travelers.com, call our toll-free telephone number 1-866-904-8348, or request a written copy from Marketing at One Tower Square, 2GSA, Hartford, CT 06183. PN T4 54 01 08 Page 1 of 1 POLICYHOLDER NOTICES POLICYHOLDER NOTICES NOTICE TO POLICYHOLDERS JURISDICTIONAL INSPECTIONS & CONTACT INFORMATION REQUEST Dear Policyholder; Many states and some cities issue certificates permitting the continued operation of certain equipment such as boilers, water heaters, pressure vessels, etc. Periodic inspections are normally required to renew these certificates. In most jurisdictions, insurance company employees who have been licensed are authorized to perform these inspections. If you own or operate such equipment, we insure that equipment under this policy, and you would like Travelers Risk Control to perform the next required inspection, please notify us using the instructions below. If you do not own or operate this type of equipment,you may disregard this notice. Please provide contact information for future Risk Control Surveys and Jurisdictional Inspection appointments. Email the contact name, phone, email, physical address, and policy number (or multiple contacts' information if there are separate personnel responsible for each) to Boilinsp@travelers.com using this document or your own spreadsheet. Location Name Address Policy Number Jurisdictional Object Number(s) Jurisdictional Inspection Contact Name/Title Phone Email Risk Control Survey Contact Name/Title Phone Email If your inspection need is immediate, contact us at 1-800-425-4119 or Boilinsp(a trayelers.com. Please be prepared to provide the: • Policy number and name of business as shown on the policy • Location where the equipment is located, including zip code • Person to contact and phone number for scheduling of inspection • Type of equipment requiring inspection • Certificate inspection date and certificate number Note the following: • The jurisdiction in your area may require the owner/user pay a fee for renewing an operational certificate. • All the provisions of the INSPECTIONS AND SURVEYS Condition in your policy apply to the inspections described in this notice. Reminder If new equipment is installed or old equipment replaced that requires a jurisdictional inspection, please let us know by calling our toll-free number listed above. PN T1 89 02 23 Page 1 of 1 To Our Valued Customer, Each year, homeowners and business owners across the nation sustain significant weather-related property damage due to floods. These can include losses caused by waves, tidal waters, the overflow of a body of water, the rapid accumulation or runoff of surface water, and mudslide. In nearly all cases, these flood losses cannot be prevented or even anticipated. And, in many instances, the losses are devastating. Most standard property insurance policies, including most of our policies, do not provide coverage for flood losses. While flood coverage is often available — primarily through the National Flood Insurance Program — it is rarely purchased. Unfortunately, each year we find that some policyholders are surprised and disappointed to learn that damages they have suffered as a direct result of flood are not covered under the policies they have purchased. Please review your insurance coverage with your agent or Company representative. As you consider the need for flood insurance, keep in mind that floods can, and do, occur in locations all over the country. They are not limited to coastal areas or locations with nearby rivers or streams. Several inches of rain falling over a short period of time can cause flood damage, even in normally dry areas that are not prone to flooding. For further information about Flood Insurance, contact your agent or company representative, or contact the National Flood Insurance Program directly. PN TO 53 12 13 Page 1 of 1