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POLICY NUMBER: ODF D785344-06 ri,,, <br /> Hanover <br /> ]nsurmice Croup <br /> BUSINESSOWNERS COVERAGE FORM <br /> Table of Contents <br /> SECTION I -PROPERTY Page <br /> Number <br /> A. Coverage................................................................................................................................................. 4 <br /> 1. Covered Property.............................................................................................................................. 4 <br /> 2. Property Not Covered....................................................................................................................... 5 <br /> 3. Covered Causes of Loss.................................................................................................................. 6 <br /> 4. Limitations......................................................................................................................................... 6 <br /> 5. Additional Coverages........................................................................................................................ 7 <br /> BusinessIncome............................................................................................................................ 10 <br /> Business Income from Dependent Properties............................................................................ 17 <br /> CivilAuthority................................................................................................................................. 13 <br /> Collapse.......................................................................................................................................... 8 <br /> Commercial Tools and Small Equipment.................................................................................... 27 <br /> ComputerEquipment..................................................................................................................... 20 <br /> Computer and Funds Transfer Fraud........................................................................................... 34 <br /> DebrisRemoval.............................................................................................................................. 7 <br /> DeferredPayments........................................................................................................................ 31 <br /> ElectronicVandalism..................................................................................................................... 31 <br /> Employee Theft including ERISA Compliance............................................................................. 18 <br /> EquipmentBreakdown................................................................................................................... 22 <br /> ExtraExpense................................................................................................................................. 12 <br /> FineArts.......................................................................................................................................... 28 <br /> Fire Department Service Charge.................................................................................................. 8 <br /> Fire Protection Equipment Recharge........................................................................................... 18 <br /> Forgeryor Alteration..................................................................................................................... 13 <br /> GlassExpenses.............................................................................................................................. 18 <br /> Installation...................................................................................................................................... 27 <br /> Interruption of Computer Operations........................................................................................... 32 <br /> Leasehold Interest (Tenants only)................................................................................................ 29 <br /> Limited Coverage for Fungi, Wet Rot, or Dry Rot....................................................................... 33 <br /> Moneyand Securities.................................................................................................................... 21 <br /> Money Orders and Counterfeit Money........................................................................................ 13 <br /> Ordinanceor Law.......................................................................................................................... 14 <br /> Preservation of Property............................................................................................................... 8 <br /> Pollutant Clean-Up and Removal................................................................................................. 12 <br /> Rewards-Arson, Theft and Vandalism........................................................................................ 20 <br /> Sales Representative Samples..................................................................................................... 29 <br /> Tenant Building Insurance-When Your Lease Requires You to Provide Insurance............... 34 <br /> Tenant Business Personal Property Insurance - When Your Lease Requires You to 34 <br /> ProvideInsurance.......................................................................................................................... <br /> Tenant Signs (Tenants Only)......................................................................................................... 22 <br /> Theft of Telephonic Services......................................................................................................... 34 <br /> Unauthorized Business Credit Card Use..................................................................................... 30 <br /> UtilityServices................................................................................................................................ 30 <br /> Water Damage, Other Liquids, Powder or Molten Material Damage....................................... 10 <br /> 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. 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