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described premises if the discharge, dispersal, seepage, migration, release or escape of the "pollutants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs. This Additional Coverage does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants". But we will pay for testing which is performed in the course of extracting the "pollutants" from the land or water. time of the first action of civil authority that prohibits access to the described premises and will apply for a period of up to four consecutive weeks from the date on which such coverage began. Civil Authority Coverage for Extra Expense will begin immediately after the time of the first action of civil authority that prohibits access to the described premises and will end: (a) Four consecutive weeks after the date of that action; or (b) When your Civil Authority Coverage for Business Income ends; The most we will pay for each location whichever is later. under this Additional Coverage is $25,000 (3) The definitions of Business Income for the sum of all such expenses arising and Extra Expense contained in out of Covered Causes of Loss occurring SECTION I — PROPERTY, A. during each separate 12 month period of Coverage, 5. Additional Coverages, this policy. f. Business Income; and g. Extra i. Civil Authority Expense also apply to this Additional Coverage. When Business Income Coverage is provided under this Coverage Form: j• Money Orders and Counterfeit Money (1) When a Covered Cause of Loss (1) We will pay for loss resulting directly causes damage to property other than from your having accepted in good property at the described premises, faith, in exchange for merchandise, we will pay for the actual loss of "money" or services: Business Income you sustain and (a) Money orders issued by any post necessary Extra Expense caused by office, express company or action of civil authority that prohibits "financial institution" that are not access to the described premises due paid upon presentation; or to direct physical loss or damage to (b) "Counterfeit money" that is property within one mile of the acquired during the regular course described premises, provided that of business. both of the following apply: (a) Access to the area immediately (2) Under this Additional Coverage, all surrounding the damaged loss: property is prohibited by civil (a) Caused by one or more persons; authority as a result of the or damage, and the described (b) Involving a single act or series of premises are within that area but related acts; are not more than one mile from is considered one occurrence. the damaged property; (b) The action of civil authority is (3) The most we will pay for any loss taken in response to dangerous under this Additional Coverage is $5,000. physical conditions resulting from the damage or continuation of the k. Forgery or Alteration Covered Cause of Loss that (1) We will pay for loss resulting directly caused the damage, or the action from forgery or alteration of any: is taken to enable a civil authority (a) Check, draft, promissory note, bill to have unimpeded access to the of exchange or similar written damaged property. promises of payment in "money" (2) Civil Authority Coverage for Business that you or your agent has issued, Income will begin 72 hours after the or that was issued by someone 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 13 of 81