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(a) Loss or damage caused by or I. Personal Property in Transit resulting from alteration, (1) If your policy covers Business falsification, concealment or Personal Property, you may extend destruction of records of accounts the insurance provided in SECTION receivable done to conceal the — PROPERTY, A. Coverage, 1. wrongful giving, taking or Covered Property, b. Business withholding of money", Personal Property to apply to direct "securities" or "other property". physical loss or damage to your This exclusion applies only to the property or property of others that is in extent of the wrongful giving, your care, custody or control while "in taking or withholding. transit" when such loss or damage is (b) Loss or damage caused by or caused by or results from a Covered resulting from bookkeeping, Cause of Loss. accounting or billing errors or (2) You may extend the insurance that omissions. applies to SECTION I — PROPERTY, (c) Any loss or damage that requires A. Coverage, 1. Covered Property, any audit of records or any b. Business Personal Property to inventory computation to prove its apply to direct physical loss or factual existence. damage, caused by a Coverage Cause of Loss, to outgoing shipments g. Key Replacement and Lock Repair that have been rejected, while in due (1) You may extend the insurance course of transit back to you or while provided under this Coverage Form to awaiting return shipment to you. cover the reasonable and necessary (3) This Extension applies to the property expense you incur due to a covered while in: "theft" for: (a) Replacement of keys if they are stolen; (b) Lock repair; or (c) Rekeying, replacing or reprogramming undamaged locks to accept new keys or entry codes when the building security has been compromised. (2) The most we will pay under this Extension is $1,000. The deductible does not apply to this Extension. h. Appurtenant Structures (1) If your policy covers Buildings, you may extend the insurance provided under Building to apply to direct physical loss or damage to garages, carports, storage buildings and other appurtenant structures, including, but not limited to, swimming pools, spas and the associated equipment within 1,000 feet of the described premises when such loss or damage is caused by or results from a Covered Cause of Loss. (2) The most we will pay for loss or damage under this Extension is $50,000 at each described premises regardless of the number of buildings or structures affected. (a) A vehicle owned, leased or operated by you; or (b) The custody of a common carrier or contract carrier. (4) The following in SECTION I — PROPERTY, B. Exclusions, paragraph 1, do not apply to this Extension: (a) b. Earth Movement; and (b) g. Water. (5) The most we will pay for loss or damage under this Coverage Extension is $10,000 unless a higher Limit of Insurance is shown in the Schedule of Amended Limits of Insurance. (6) Special Personal Property In Transit Exclusions This Extension does not apply to: (a) Shipments that belong to others that you are transporting for a fee; (b) Property while waterborne; (c) Salesperson's Samples; or (d) Loss to "perishable goods" resulting from a breakdown of refrigeration equipment on any vehicle owned, leased or operated by you or while in the custody of a common or contract carrier. 391-1003 08 16 Includes copyrighted material of Insurance Services Office, Inc., with its permission. Page 38 of 81