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directors, trustees, authorized
<br />representatives or anyone to whom you
<br />entrust the property for any purpose:
<br />(1) Acting alone or in collusion with
<br />others;
<br />(2) Whether or not occurring during the
<br />hours of employment.
<br />This exclusion does not apply to acts of
<br />destruction by your "employees "; but
<br />"theft" by "employees" is not covered
<br />except as provided under Employee
<br />Dishonesty Additional Coverage.
<br />With respect to accounts receivable and
<br />"valuable papers and records ", this
<br />exclusion does not apply to carriers for
<br />hire.
<br />e. False Pretense
<br />Voluntary parting with any property by you
<br />or anyone else to whom you have sold,
<br />given or otherwise entrusted the property
<br />if induced to do so by any fraudulent
<br />scheme, trick, device or false pretense.
<br />This exclusion does not apply to the
<br />Unauthorized Business Card Use
<br />Additional Coverage.
<br />L Exposed Property
<br />Rain, snow, ice or sleet to personal
<br />property in the open.
<br />g. Collapse
<br />Collapse, including any of the following
<br />conditions of property or any .part of the
<br />property:
<br />(1) An abrupt falling down or caving in;
<br />(2) Loss of structural integrity, including
<br />separation of parts of the property
<br />or property in danger of falling
<br />down or caving in; or
<br />(3) Any cracking, bulging, sagging,
<br />bending, leaning, settling, shrinkage
<br />or expansion as such condition
<br />relates to (1) or (2) above.
<br />But if collapse results in a Covered Cause
<br />of Loss at the described premises, we will
<br />pay for the loss or damage caused by that
<br />Covered Cause of Loss.
<br />This exclusion, g., does not apply:
<br />(a) To the extent that coverage is
<br />provided under the Additional
<br />Coverage - Collapse; or
<br />(b) To collapse caused by one or more
<br />of the following:
<br />(i) The "specified causes of loss" .
<br />(ii) Breakage of building glass;
<br />(iii) Weight of rain that collects on a
<br />roof; or
<br />(iv) Weight of people or personal
<br />property
<br />h. Pollution.
<br />We will not pay for loss or damage caused
<br />by or resulting from the discharge,
<br />dispersal, seepage, migration, release or
<br />escape of "pollutants" unless the
<br />discharge, dispersal, seepage, migration,
<br />release or escape Is Itself caused by any
<br />of the "specified causes of loss ". But if the
<br />discharge, dispersal, seepage, migration,
<br />release or escape of "pollutants" results in
<br />a "specified cause of loss ", we will pay for
<br />the loss or damage caused by that
<br />"specified cause of loss ".
<br />1. Neglect
<br />Neglect of an insured to use all
<br />reasonable means to save and preserve
<br />property from further damage at and after
<br />the time of loss.
<br />j. Other Types Of Loss
<br />(1) Wear and tear; mechanical breakdown
<br />(except as provided for in the
<br />Equipment Breakdown Additional
<br />Coverage);
<br />(2) Rust, corrosion, fungus, decay,
<br />deterioration, depletion, erosion or
<br />other gradually developing condition;
<br />hidden or latent defect or any quality in
<br />property that causes it to damage or
<br />destroy itself;
<br />(3) Smog;
<br />(4) Settling, cracking, shrinking or
<br />expansion;
<br />(5) Nesting or infestation, or discharge or
<br />release of waste products or
<br />secretions, by insects, birds, rodents or
<br />other animals; or
<br />(6) Marring or scratching of personal
<br />property,
<br />(7) The following causes of loss to
<br />personal property:
<br />(a) Dampness or dryness of the
<br />atmosphere;
<br />(b) Changes in or extremes of
<br />temperature.
<br />But if an excluded cause of loss that is
<br />listed in Paragraphs (1) through (n above
<br />results in a "specified cause of loss ",
<br />"accident" or building glass breakage, we
<br />will pay for the loss or damage caused by
<br />that "specified cause of loss ", "accident"
<br />or building glass breakage.
<br />k. Computer Related Errors or Omissions
<br />391- 1003 06 09 Includes copyrighted material of Insurance Services Page 34 of 66
<br />17,978 Office; Inc. with its permission
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