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Hanover <br />Insurance Group- <br />ODF D785344 5701644 <br />BUSINESSOWNERS COVERAGE FORM <br />Table of Contents <br />SECTION I - PROPERTY <br />Page <br />Number <br />A. Coverage................................................................................................................................................. <br />4 <br />1. Covered Property.............................................................................................................................. <br />4 <br />2. Property Not Covered....................................................................................................................... <br />5 <br />3. Covered Causes of Loss.................................................................................................................. <br />6 <br />4. Limitations......................................................................................................................................... <br />6 <br />5. Additional Coverages........................................................................................................................ <br />7 <br />BusinessIncome............................................................................................................................ <br />10 <br />Business Income from Dependent Properties............................................................................ <br />17 <br />CivilAuthority................................................................................................................................. <br />13 <br />Collapse.......................................................................................................................................... <br />8 <br />Commercial Tools and Small Equipment.................................................................................... <br />27 <br />ComputerEquipment..................................................................................................................... <br />20 <br />Computer and Funds Transfer Fraud........................................................................................... <br />34 <br />DebrisRemoval.............................................................................................................................. <br />7 <br />DeferredPayments........................................................................................................................ <br />31 <br />ElectronicVandalism..................................................................................................................... <br />31 <br />Employee Theft including ERISA Compliance............................................................................. <br />18 <br />EquipmentBreakdown................................................................................................................... <br />22 <br />ExtraExpense................................................................................................................................. <br />12 <br />FineArts.......................................................................................................................................... <br />28 <br />Fire Department Service Charge.................................................................................................. <br />8 <br />Fire Protection Equipment Recharge........................................................................................... <br />18 <br />Forgeryor Alteration..................................................................................................................... <br />13 <br />GlassExpenses.............................................................................................................................. <br />18 <br />Installation...................................................................................................................................... <br />27 <br />Interruption of Computer Operations........................................................................................... <br />32 <br />Leasehold Interest (Tenants only)................................................................................................ <br />29 <br />Limited Coverage for Fungi, Wet Rot, or Dry Rot....................................................................... <br />33 <br />Moneyand Securities.................................................................................................................... <br />21 <br />Money Orders and Counterfeit Money........................................................................................ <br />13 <br />Ordinanceor Law.......................................................................................................................... <br />14 <br />Preservationof Property............................................................................................................... <br />8 <br />Pollutant Clean -Up and Removal................................................................................................. <br />12 <br />Rewards -Arson, Theft and Vandalism........................................................................................ <br />20 <br />Sales Representative Samples..................................................................................................... <br />29 <br />Tenant Building Insurance - When Your Lease Requires You to Provide Insurance ............... <br />34 <br />Tenant Business Personal Property Insurance - When Your Lease Requires You <br />to 34 <br />ProvideInsurance.......................................................................................................................... <br />TenantSigns (Tenants Only)......................................................................................................... <br />22 <br />Theftof Telephonic Services......................................................................................................... <br />34 <br />Unauthorized Business Credit Card Use..................................................................................... <br />30 <br />UtilityServices................................................................................................................................ <br />30 <br />Water Damage, Other Liquids, Powder or Molten Material Damage ....................................... <br />10 <br />RideMmaganad])Msian <br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permissi }� JN RE�AED&APPROVmSY: <br />--� Risk Pjanagement Analyst <br />