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(i) This coverage only applies if "accident" or "electronic you have sustained an actual circuitry impairment", less loss of Business Income. discounts and expenses you (ii) We will pay for your otherwise would have had. reasonable costs for Otherwise our payment will be professional services to determined in accordance create and disseminate with the Loss Payment communications, when the Condition. need for such (III) The most we will pay for loss communications arises or damage under this directly from the interruption coverage is $50,000. of your business. This (h) Utility Services — Equipment communication must be Breakdown (Accident) directed to one or more of the following: (1) Any insurance provided for 1) The media; Business Income, Extra Expense, Data Restoration or 2) The public; or Spoilage is extended to apply 3) Your customers, clients or to your loss, damage or members, expense caused by a failure or disruption of service. The (iii) Such costs must be incurred failure or disruption of service during the "period of must be caused by an restoration" or up to 30 days "accident" to equipment, after the "period of including overhead restoration" has ended. transmission lines, that is (iv) The most we will pay for loss owned by a utility, landlord, a or expense under this landlord's utility or other coverage is $5,000. supplier who provides you (g) Spoilage with any of the following (i) We will pay for: services: electrical power, waste disposal, air 1) Physical damage to your conditioning, refrigeration, "perishable goods" due to heating, natural gas, spoilage. compressed air, water, steam, 2) Physical damage to your Internet access, "perishable goods" due to telecommunications services, contamination from the "cloud computing services", release of refrigerant, wide area networks or data including but not limited to transmission. The equipment ammonia. must meet the definition of "covered equipment" except 3) Any necessary expenses that it is not Covered you incur to reduce the Property. amount of loss under this coverage. We will pay for (ii) "Cloud computing services" such expenses to the must be provided by a extent that they do not professional provider with exceed the amount of loss whom you have a contract. that otherwise would have (iii) With respect to the Data been payable under this Restoration portion of this coverage. Service Interruption coverage, (ii) If you are unable to replace coverage will also apply to "perishable goods" before its data" stored in the equipment anticipated sale, the amount of a provider of "cloud of our payment will be computing services". determined on the basis of the (iv) Any insurance provided for sales price of the "perishable Business Income or Data goods" at the time of the Restoration will not apply 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 24 of 81