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THEJ1Declarations: <br /> HARTFORD Business Owner's Policy <br /> else, or someone else's property. Please see the coverages and limits described in your Declarations for <br /> details regarding the insurance you purchased. <br /> Glossary of Terms* <br /> DEFINITIONTERM <br /> Audit Period Your Policy period,which may be auditable or non-auditable. If your Policy is auditable,we will <br /> examine your business records to determine actual exposures for final premium calculation. <br /> Base Coverage Form Each Coverage Part has a form that explains,generally,what is and is not covered.This is the <br /> first building block of the Coverage Part.All other forms directly or indirectly modify the Base <br /> Coverage Form and are attached to it. <br /> Coverage Part A section of the Policy for a particular coverage.Unless otherwise stated in a specific Coverage <br /> Part,a Coverage Part consists of a Declarations page,a Base Coverage Form,all forms that <br /> modify the Base Coverage Form,and other forms applicable to the Coverage Part or the entire <br /> Policy. <br /> Declarations The part of the insurance contract that specifies the named insured,address,policy period, <br /> covered locations,limits of insurance and other key information such as forms applicable to the <br /> Coverage Part. <br /> Policy A contract between you and us to provide you with certain insurance coverages.Your <br /> Spectrum Business Owner's Policy consists of all Coverage Parts and forms common to some <br /> or all Coverage Parts. <br /> STRETCH® A unique feature of The Hartford's policy is an optional enhancement to the policy which <br /> increases the limit of insurance for several coverages and adds new coverages to the policy. <br /> STRETCH®Blanket Limit Provides a single limit of insurance that applies to more than one Coverage.Coverages subject <br /> to the STRETCH®Blanket Limit may also have additional limits of insurance which would apply <br /> in addition to the STRETCH°Blanket Limit. <br /> 'The terms and definitions contained in the Glossary of Terms are provided to help you better understand your Business Owners Policy <br /> and how it is constructed. These terms and definitions are not definitions that apply to any Coverage Part or Policy you have purchased <br /> and should not be construed as such. Please refer to the applicable provisions in your coverage parts or policies for complete details of <br /> the defined terms, including but not limited to the applicable Definitions section of such Coverage Part or Policy. <br /> Form:SC 00 01 10 18 2 <br />