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POLICY NUMBER: ODF D785344-OS <br />Hanover <br />Insurance Group.. <br />BUSINESSOWNERS COVERAGE FORM <br />Table of Contents <br />SECTIONI- PROPERTY 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 Rat....................................................................... <br />33 <br />Moneyand Securities.................................................................................................................... <br />21 <br />Money Orders and Counterfeit Money........................................................................................ <br />13 <br />Ordinanceor Law.......................................................................................................................... <br />14 <br />Preservation of 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 <br />Insurance ............... <br />34 <br />Tenant Business Personal Property Insurance - When Your Lease <br />Requires You <br />to 34 <br />ProvideInsurance.......................................................................................................................... <br />Tenant Signs (Tenants Only)......................................................................................................... <br />22 <br />Theft of 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 />N <br />a '.:•� �� <br />RAMmaganadDWmen <br />Reweo&APPRW BYr <br />391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permis: <br />Risk Management SpecA ut <br />