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B. The following definitions are added and apply 1. The "terrorism" is carried out by means under this endorsement wherever the term of the dispersal or application of radioac- ' terrorism, or the phrase any injury or dam- tive material, or through the use of a nu - age, are enclosed in quotation marks: clear weapon or device that involves or 1. "Terrorism" means activities against per- produces a nuclear reaction, nuclear radi- sons, organizations or property of any na- ation or radioactive contamination; or ture: 2. Radioactive material is released, and it a. That involve the following or appears that one purpose of the "terror - preparation for the following: ism" was to release such material; or (1) Use or threat of force or vio- 3. The "terrorism" is carried out by means lence; or of the dispersal or application of patho- genic or poisonous biological or chemi- cal materials; or gerous act; or 4. Pathogenic or poisonous biological or (3) Commission or threat of an act chemical materials are released, and it that interferes with or disrupts that appears that one purpose of the "terror - electronic, communication, ism" was to release such materials; or information, or mechanical sys-an tem; and 5. The total of insured damage to all types of property exceeds $25,000,000. In de - b. When one or both of the following termining whether the $25,000,000 applies: threshold is exceeded, we will include all (1) The effect is to intimidate or co- insured damage sustained by property of erce a government or the civilian all persons and entities affected by the population or any segment "terrorism" and business interruption thereof, or to disrupt any seg- losses sustained by owners or occupants ment of the economy; or of the damaged property. For the purpose (2) It appears that the intent is to in- of this provision, insured damage means timidate or coerce a govern- damage that is covered by any insurance ment, or to further political, plus damage that would be covered by ideological, religious, social or any insurance but for the application of economic objectives or to ex- any terrorism exclusions; or press (or express opposition to) 6. Fifty or more persons sustain death or se- a philosophy or ideology. rious physical injury. For the purposes of 2. "Any injury or damage" means any in- this provision, serious physical injury jury or damage covered under any Cov- means: erage Part or Policy to which this en- a. Physical injury that involves a sub- dorsement is applicable, and includes but stantial risk of death; or is not limited to "bodily injury", "prop- b. Protracted and obvious physical dis- erty damage", "personal and advertising figurement; or injury", "injury" or "environmental dam- age" as may be defined in any applicable c. Protracted loss of or impairment of Coverage Part or Policy. the function of a bodily member or C. The following exclusion is added: organ. Multiple incidents of "terrorism" which occur EXCLUSION OF TERRORISM within a 72-hour period and appear to be car - We will not pay for "any injury or damage" ried out in concert or to have a related pur- caused directly or indirectly by "terrorism", pose or common leadership will be deemed including action in hindering or defending to be one incident, for the purpose of deter - against an actual or expected incident of "ter- mining whether the thresholds in Paragraphs rorism". "Any injury or damage" is excluded C.S. or C.6, are exceeded. regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage. But this exclusion applies only when one or more of the follow- ing are attributed to an incident of "terror- ism": Rick ManagemoeE DfWeian REVIEWED & APPROVED BY.' l ilY �u.+d�.>•z �.. V�QecnaFl Page 2 of 3 Insurance Services Office, Inc., 2015 ® ftk Management Analyst