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BUSINESSOWNERS COVERAGE FORM Various provisions In this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. Throughout this Coverage Form the words 'you" and 'your" refer to the Named Insured shown in the Declarations. The words "we ", "us" and "our" refer to the Company providing this insurance. In Section If - Liability, the word "insured" means any person or organization qualifying as such under Paragraph C - Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Paragraph H. Property Definitions in Section I - Property and Paragraph F. Liability And Medical Expenses Definitions in Section II - Liability. SECTION I . PROPERTY buildings or structures or the A. Coverage premises, including: (a) Fire extinguishing equipment; We will pay for direct physical loss of or damage to Covered Property at the premises described (b) Outdoor furniture; in the Declarations caused by or resulting from (c) Floor coverings; and any Covered Cause of Loss, except as limited or (d) Appliances used for refrigerating, excluded within this policy form or any ventilating, cooking, dishwashing or endorsements making up the entire policy. laundering; 1. Covered Property (6) If not covered by other insurance: Covered Property includes Buildings as (a) Additions under construction, described under Paragraph a. below, alterations and repairs to the Business Personal Property as described buildings or structures; under Paragraph b. below, or both, depending on whether a Limit of Insurance is shown In (b) Materials, equipment, supplies and the Declarations for that type of property, temporary structures, on or within Regardless of whether coverage is shown In 1000 feet of the described premises, the Declarations for Buildings, Business used for making additions, Personal Property, or both, there is no alterations or repairs to the coverage for property described under buildings or structures. Paragraph 2. Property Not Covered. (7) Signs, whether or not they are a. Buildings, meaning the buildings and attached to covered buildings or structures at the premises described in the structures; and Declarations, including the following when (8) Interior and Exterior Building glass. physically and permanently attached to a b. Business Personal Property located in or building or structure in the Declarations: on the buildings at the described premises (1) Completed additions; or in the open (or in a vehicle) within 1000 (2) Fixtures, including outdoor fixtures; feet of the described premises, including: and (1) Property you own that is used in your (3) Permanently installed: business; (a) Machinery; and (2) Property of others that is in your care, (b) Equipment; custody or control, including the cost of labor, materials or services furnished that can not be removed without causing or arranged by you on personal significant damage to the building or those property of others, except as otherwise that would not be typically removed or be provided in Loss Payment Property considered removable. Loss Condition Paragraph E.5.d.(3)(b); (4) Your personal property in apartments, (3) Tenants improvements and rooms or common areas furnished by betterments. Improvements and you as landlord; betterments are fixtures, alterations, (5) Personal property owned by you that is installations or additions: used to maintain or service the (a) Made a part of the building or 391 -1003 06 09 Includes copyrighted material of Insurance Services Page 4 of 66 17,948 Office, Inc., with its permission