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Declarations: THE Business owner's Policy HAI2TFORD else, or someone else's property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. Glossary of Terms* Audit Period Your Policy period,which may be auditable or non-auditable.If your Policy is auditable,we will examine your business records to determine actual exposures for final premium calculation. Base Coverage Form Each Coverage Part has a form that explains,generally,what is and is not covered.This is the first building block of the Coverage Part.All other forms directly or indirectly modify the Base Coverage Form and are attached to it. Coverage Part A section of the Policy for a particular coverage.Unless otherwise stated in a specific Coverage Part,a Coverage Part consists of a Declarations page,a Base Coverage Form,all forms that modify the Base Coverage Form,and other forms applicable to the Coverage Part or the entire Policy. Declarations The part of the insurance contract that specifies the named insured,address,policy period, covered locations,limits of insurance and other key information such as forms applicable to the Coverage Part. Policy A contract between you and us to provide you with certain insurance coverages.Your Spectrum Business Owner's Policy consists of all Coverage Parts and forms common to some or all Coverage Parts. "The terms and definitions contained in the Glossary of Terms are provided to help you better understand your Business Owners Policy and how it is constructed. These terms and definitions are not definitions that apply to any Coverage Part or Policy you have purchased and should not be construed as such. Please refer to the applicable provisions in your coverage parts or policies for complete details of the defined terms,including but not limited to the applicable Definitions section of such Coverage Part or Policy. Form:SC 00 01 10 18 2