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Virus and Hacking Coverage .............. ..................................................................... 26 Water Damage, Other Liquids, Powder or Molten Material Damage ................... 9 Coverage Extensions: Accounts Receivables ............................................................................................... 29 Garages, Storage Buildings and Other Appurtenant Structures .......................... 30 Inventory and Loss Appraisal ..... ........................................................................ 31 Key Replacement and Lock Repair ............ ........ .......... ......................................... 30 Newly Acquired or Constructed Property ................................ ............................... 27 OutdoorProperty ....................................................................................................... 29 PersonalEffects ................................... ..................................................................... 29 Personal Property in Transit .................................................................................... 30 Personal Property Off Premises ............................ ................................................. 28 Valuable Papers and Records ................................................................................. 29 Deductibles............................................................................................................................. 37 Exclusions........................... .............. .............................. ..................................................... 31 Limitsof Insurance .................. ............................................................................................. 36 PropertyDefinitions .......................... .................................................................................... 42 Property General Conditions ................................................................................................ 41 Controlof Property ................................................. ........................................................ 41 Increase In Hazard ....................................... .................................................................. 42 Mortgageholders................................................................................. ........................ — 41 NoBenefit to Bailee ....... ................................................................................................ 42 Policy Period, Coverage Territory ......................................................... ....................... 42 ProtectiveDevices .......................................... ............................................................... 42 Property Loss Conditions ..................................................................................................... 37 Abandonment. ............................................................ ............................. ...................... 37 Appraisal.............................................................................................................. .......... 37 Duties In the Event Of Loss Or Damage ...................................................................... 37 LegalAction Against Us ..................................... - ....................................... ................. 38 LossPayment ................................................................................................................. 38 Pair, Sets or Parts ........................................................... .............................................. 41 RecoveredProperty ................................. ..................................................................... 41 Vacancy........................................ ................. ....... .... ................................................. 41 Section 11 - Liability Coverage: BusinessLiability ........................................................................................................... 46 MedicalExpenses .......................................................................................................... 48 Exclusions: Applicable to Business Liability ................... ........................................................ ...... 49 Applicable to Medical Expenses .................................................................................. 55 Nuclear Energy Liability Exclusion ................... .......................................................... 55 391-1003 06 09 Includes copyrighted material of Insurance Services Page 2 of 66 17,946 Office, Inc., with Its permission