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INSURANCE NOT ON FILE N-2021-031 %X6RKMAY Nff 'PROCEED `L9' CLERK OF COUNCIL <<'� DATE; BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries n A�(S1k�iA CNQJ0.S) l) Page 11 of 10 O: f �`y i cS W �T This BIBLIOBOARD TERMS OF USE AND CONDITIONS FOR INSTITUTIONS AND LIBRARIES (the "Agreement") is made effective as of 2-15-2021(the "Effective Date") between BiblioLabs, LLC, a South Carolina Limited Liability Company, ("BiblioLabs") with its principal office located in Charleston, South Carolina 29413 and the City of Santa Ana (the "Licensee"), with its principal office located at Santa Ana, CA. 1. Purpose. BiblioLabs has created and developed a platform —as -a -service software ("BibiioBoard Library" or "BiblioBoard") to deliver to institutions curated collections of content ("Modules"). The content ("Content") of a Module may include, but is not limited to, images, photographs, books, pamphlets, magazines, essays, sound recordings, videos or other forms of media. This Agreement establishes the terms of use and conditions that will apply to the Licensee and its Authorized Users (defined below). This Agreement establishes the responsible usage of BiblioBoard, protects the rights of BiblioLabs, authors, publishers, curators, and the dissemination of Modules and Content to the Licensee and its Authorized Users. 2. Authorized Users. An Authorized User shall be individual affiliates of the Licensee (including, patrons, members, students, faculty, full and part time staff, researchers affiliated and/or visiting, and independent contractors) and the institution of which it is a part, regardless of the physical location of such persons. An institution ("Institution") shall mean any educational non-profit or for profit institution (such as colleges, universities, and secondary schools), museums, foundations, government agencies, corporate and for profit organizations, public libraries, and scholarly societies. In the case where Licensee is a consortia of libraries and Institutions, an Authorized User shall extend to the members of the consortia (including the consortia's member's patrons, members, students, faculty, full and part time staff, researchers affiliated and/or visiting and independent contractors), regardless of the physical location of such person. Finally, an Authorized User shall also include patrons not affiliated with Licensee who are physically present at Licensed Premises (which shall mean the physical locations where the Institution provides computer terminals or other electronic devices from which Authorized Users may access BibiioBoard). Authorized Users shall be granted access to BiblioBoard through Licensee's defined Internet Protocol ("IP") addresses or alternative secured authentication system, which shall be provided by the Licensee to BiblioLabs. 3. Grant of License. The Licensee and its Authorized Users are hereby granted a non-exclusive right to use BiblioBoard, Modules and the Content, which BiblioBoard has granted Licensee permission to access, as set forth in Schedule A. 4. Permitted Uses. The Licensee and its Authorized Users may access, use, browse or view BiblioBoard and the Modules within BiblioBoard in accordance with the following permitted uses: a. An Authorized User may use content within a Module subject to the Fair Use provisions of the copyright laws of the United States. b. An Authorized User may use a Module and its Content for research activities, in research papers or dissertations, classroom or organizational instruction, and related classroom or organizational activities, student activities. c. An Authorized User may use a Module and its Content as a part of scholarly, cultural, educational or organization presentation orworkshop, if such use conforms to the customary and usual practices. d. The Licensee may promote links to BiblioBoard from its website for the purpose of increasing awareness, and promoting use of BiblioBoard and the Modules. e. An Authorized User may download Content within a Module (when the feature, tool or setting is activated within the Module or Content being displayed to the Authorized User) for their own personal, non-commercial use. f. Licensee and its Authorized Users shall be allowed to print the Content within a Module when the feature, tool or setting is activated within the Content being displayed to an Authorized User. Orig.9/25/2012 Rev. 4/1/2013 Rev._5/20/2015 Rev_11/28/2016 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries Page 12 of 10 S. Prohibited Uses. The Licensee and its Authorized Users are strictly prohibited from using BiblioBoard in the following ways: a. The Licensee shall not knowingly permit anyone other than an Authorized User to use BiblioBoard or access a Module or its Content. b. The Licensee or Its Authorized User may not modify or create a derivative work from any Content in a Module without the prior permission of Bibliolabs. c. The Licensee or its Authorized User may not remove, obscure or modify any copyright notice, watermark or other attributions notices included in BiblioBoard or a Module. d. The Licensee or its Authorized User may not attempt to override, circumvent, or disable any encryption features or software protections employed in BibiicrBoard or a Module. e. The Licensee or its Authorized User may not use BiblioBoard or a Module for any commercial purposes, including but not limited to the sale of a Module, the sale of any Content contained in a Module, or charge admission fees for any public performance of any video available in a Module. f. The Licensee or its Authorized Users may not engage in any activity that may interfere with, disrupt, or otherwise burden Bibliolabs' servers or other third -party server(s) being used or accessed in connection with BiblioBoard. g. Except as permitted in Section 4, or if the Licensee is the rights holder, or if the Content is in the public domain or licensed under a Creative Commons License, the Licensee or Its Authorized Users may not reproduce, or distribute any Module, or any Content from a Module outside of BiblioBoard Library. h. The Licensee may not print out or download any Module or any Content to stock or replace print holdings. i. The Licensee may not undertake coordinated or systematic activity to reproduce or distribute Content in bulk. 6. Responsibility of Licensee. a. The Licensee shall notify Bibliolabs immediately of any prohibited uses they discover or are notified of by Bibliolabs or any third -party and shall cooperate with Bibliolabs in resolving problems of prohibited uses. b. The Licensee shall use reasonable efforts to inform Authorized Users of the applicable restrictions and prohibited uses of BiblioBoard and the Modules, including any subsequent changes to any restrictions and prohibited uses which Bibliolabs provides notice of to the Licensee. c. Access to the Platform shall be controlled by BiblioBoard through the use of pattern based IP authentication or such methodology as Bibliolabs may employ from time to time. d. In the event of any unauthorized use of Biblioeoard or a Module (including Content) by an Authorized User, (1) Bibliolabs may terminate such Authorized User's access to BiblIOBOard, (2) Bibliolabs may terminate the access of the IP address(es) from which such unauthorized use occurred, and/or (3) the Licensee may terminate such Authorized User's access to BiblioBoard upon Bibliolabs' request. Bibliolabs shall take none of the steps described in (1) through (3) without first providing reasonable notice to the Licensee (in no event less than 30 days) and cooperate with the Licensee to avoid recurrence of any unauthorized use. e. In the event of repeated unauthorized use of BiblioBoard or any Module (including Content) by the Authorized Users of a Licensee, BiblioLabs reserves the right to terminate Licensee's (and all its Authorized Users') access to BiblioBoard. Orig._9/25/2012 Rev._4/1/2013 Rev_5/20/2015 Rev_11/28/2016 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries Page 13 of 10 7. Responsibility of Authorized Users. a. An Authorized User Is responsible for maintaining the confidentiality and security of his username and/or password (if such are provided), and for all usage or activity on BlblioBoard initiated from his credentials. An Authorized User may not provide access to BiblioBoard to anyone else, Including by setting up an anonymous remailer for purposes of allowing access to BiblioBoard. b. An Authorized User shall promptly notify BiblioLabs and where applicable the Licensee, of any known or suspected unauthorized use(s) of his account or BiblioBoard, or any known or suspected breach of security, including loss, theft, or unauthorized disclosure or use of his username, password, and or/IP address(es). Any use of BiblioBoard beyond the scope of or in violation of these Terms and Conditions of Service, knowing use of any password or username of another, or any fraudulent or abusive, or otherwise illegal activity, may (in addition to all other remedies available to BiblioLabs at law or in equity) be grounds for termination of an account or termination of access to BiblioBoard for that IP address, without notice and at Bibliolabs' sole discretion. 8. Term, Fees and Payment. The term of this license shall begin on 2-15-2021 and end on 2-14-2022. Licensee shall make a payment to Bibliol-abs for the license to BiblioBoard Library and Modules pursuant to the pricing terms set out in Schedule A of this Agreement, attached hereto. 9. Termination. Except as otherwise provided in this Agreement, in the event that either party believes that the other has materially breached any obligations under this Agreement, or if BiblioLabs believes that Licensee has exceed the scope of the License, such party shall notify the breaching party in writing. The breaching party shall have 60 days from the receipt of notice to cure the breach and notify the non -breaching party that the cure has been affected. If the breach Is not cured within 60 days the non -breaching party shall have the right to terminate the Agreement without further notice. Upon Termination of this Agreement for cause access to BlblioBoard by Licensee and its Authorized Users shall be terminated. Authorized copies of any Anthology downloaded maybe retained by Licensee or Its Authorized User and shall continue to be subject to the terms of this Agreement 10. Confidential Information. Licensee agrees to maintain the confidentiality of any data relating to the use of BiblioBoard by Licensee and its Authorized Users. Such data may be used by Licensee solely for internal monitoring purposes, unless such other use is approved by BiblioLabs. However, information relating to the identify of specific users and/or uses shall not be provided to any third party, unless such disclosure is required by subpoena, court order or other legal proceeding. BiblioBoard understands that Licensee is subject to the California Public Records Act (Government Code section 6250 et seq.). 11. DISCLAIMER OF WARRANTY. LICENSEE AND ITS AUTHORIZED USERS EXPRESSLY ACKNOWLEDGE AND AGREE THAT USE OF BIBLIOBOARD AND ANY MODULE IS AT THEIR SOLE RISK AND THATTHE ENTIRE RISK AS TO SATISFACTORY QUALITY,, ACCURACY AND EFFORT IS WITH THE LICENSEE AND ITS AUTHORIZED USER. BIBLIOBOARD AND ANY MODULE IS PROVIDED TO YOU ON AN "AS IS" AND "AS AVAILABLE" BASIS. BIBLIOLABS EXPRESSLY DISCLAIMS ANY WARRANTIES, REPRESENTATIONS, GUARANTEES AND CONDITIONS OF ANY KIND WHETHER EXPRESS, OR IMPLIED, INCLUDING BUT NOT LIMITED TO THE IMPLIED WARRANTIES OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE AND NOWINFRINGMENT. BIBLIOLABS MAKES NO WARRANTIES THAT: (A) BIBLIOBOARD OR ANY MODULE WILL MEET LICENSEES OR ITS AUTHORIZED USERS REQUIREMENTS, OR BE UNINTERRUPTED, TIMELY, SECURE, OR ERROR FREE,. NO ORAL OR WRITTEN INFORMATION OR ADVICE GIVEN BY BIBLIOLABS OR ITS REPRESENTATIVE AGENTS SHALL CREATE A WARRANTY. LICENSEE OR ITS AUTHORIZED USERS IS SOLELY RESPONSIBLE FOR ANY DAMAGE TO THEIR DEVICE OR LOSS OF DATA AS A RESULT OF LICENSEE OR ITS AUTHORIZED USERS DOWLOANDING, UPLOADING, ACCESSING, VIEIWING, TRANSMITTING, OR RECEIVING MATERIAL OR CONTENT FROM BIBLIOBOARD. 12. LIMITATION OF LIABILITY. IN NO EVENT SHALL BIBLIOLABS BE LIABLE TO LICENSEE OR ITS AUTHORIZED USERS OR ANY THIRD PARTY FOR ANY INDIRECT, CONSEQUENTIAL, EXEMPLARY, INCIDENTAL, SPECIAL OR PUNITIVE DAMAGES, INCLUDING LOST PROFIT DAMAGES ARISING FROM LICENSEE'S OR ITS AUTHORIZED USERS' USE OF BIBLIOBOARD, EVEN IF BIBLIOLABS HAS BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGES. Odg_9/25/2012 Rev._4/1/2013 Rev._5/2012015 Rev._11/28/2016 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries Page 14 of 10 NOTWITHSTANDING ANYTHING TO THE CONTRARY CONTAINED HEREIN, BIBLIOLABS' LIABILITY TO LICENSEE OR ITS AUTHORIZED USERS FOR ANY CAUSE OF ACTION WHATSOEVER AND REGARDLESS OF THE FORM OF THE ACTION, WILL AT ALL TIMES BE LIMITED TO THE AMOUNT, IF ANY, PAID BY LICENSEE TO BIBLIOLABS DURING THE TERM OF THIS AGREEMENT. 13. INSURANCE. Commercial General Liability (CGL): Insurance Services Office Form CG 00 01covering CGL on an "occurrence" basis, including products and completed operations, property damage, bodily injury and personal & advertising injury with limits no less than $1,000,000 per occurrence and $2,000,000 aggregate. Additional Insured Endorsement Language "City of Santa Ana, officers, agents, employees, and volunteers are named as additionally insured on this policy pursuant to written contract, agreement, or memorandum of understanding. Such Insurance as is afforded by this policy shall be primary, and any insurance carried by City shall be excess and noncontributory." Additional Insured Endorsements are required to accompany Certificates of Insurance. Certificate of Insurance shall provide thirty (30) day prior written notice of cancellation. Additional Requirements: Certificates of Insurance must be accompanied by a list of all excluded coverages under the general liability and excess/umbrella liability policies. The general liability and excess/umbrella liability documents must list the corresponding policy numbers referenced on the Certificate of Insurance. Biblioboard must maintain insurance throughout the term of the Agreement and failure to do so, shall be grounds for termination. Certificate Holder: Must be addressed as follows: City of Santa Ana Risk Management Division 20 Civic Center Plaza Santa Ana, CA 92702 14. INTELLECTUAL PROPERTY INDEMNITY. Biblioboard shall defend and indemnify Licensee, its officers, agents, representatives, and employees against any and all liability, including costs, for infringement of any United States' letters patent, trademark, orcopyright infringement, Including costs, contained in the program and/or software provided by Biblioboard to Licensee pursuant to this Agreement. 15. MISCELLANIOUS. a. Relationship of the Parties. Nothing contained in this Agreement will create a partnership, joint venture, or agency relationship between the parties. The parties will act as independent contractors hereunder, and neither will have the authority to bind the other with respect to any third party. b. Severance. If any provision of this Agreement Is held to be invalid, such invalidity will not affect the remaining provisions. c. Waiver. The failure of BiblloLabs to enforce any provision of this Agreement will not constitute a waiver of Its rights to subsequently enforce the provision. The remedies specified in this Agreement are in addition to any other remedies that may be available to it at law or in equity. Orlg _9/25/2012 Rev_4/1/2013 Rev_5/20/2015 Rev_11/28/2016 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries Page 15 of 10 d. Governing Law; Jurisdiction; Venue. If permitted by the laws of the state where the Licensee is located, (1) this Agreement shall be governed and construed by the laws of the State of California without regard to its conflict of laws provisions; (ii) the Licensee agrees to submit to the exclusive Personal Jurisdiction of the County of Orange, California ; and (III) the Licensee waives any objections and affirmative defenses as to the personal jurisdiction of a competent court in Orange County, California that would have personal jurisdiction or the venue of said proceedings and the competent courts located therein that would have subject matter jurisdiction over the dispute that arises out of this Agreement. If the state where the Licensee is located requires that its state law apply to this Agreement, then the laws of the state where the Licensee is located shall apply to this Agreement. Licensee agrees that regardless of any statute to the contrary, any claim or cause of action Licensee has against Bibliol-abs arising out of or related to use of the Application or any Collection must be filed within one (1) year after such claim or cause of action arose or it shall be forever barred. e. Notices. All notices given pursuant to this Agreement shall be in writing and maybe delivered by hand, mail, facsimile or email to the addresses listed below. IN WITNESS THEREOF, the parties have executed this Agreement as of the Effective Date BibiloLabs, LLC a south Carolina Limited Liability Company Its: Mitchell Davis, CEO P.O. Box 21206 Charleston, SC 29413 Telephone: 843-696-0416 Email: info@bibliolabs.com [Signatures continue on the next page] Ong._9/25/2012 Rev._4/1/2013 Rev._5/20/2015 Rev._11128/2016 City of Santa Ana, Licensee Its: rnstine Ridge, Owmanager Address: 20 Civic Center Plaza Santa Ana, CA 92701 Telephone: (714) 647-5200 Email: kridge@santa-ana.org N-2021-031 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries Page 16 of 10 ATTEST: Z�a Daisy Gomez, CMC Clerk of Council Recommended for Approval: Brian Sternberg Ll Executive Director of Library Services Approved as to form: Sonia R. Carvalho City Attorney Laura A. Rossini Chief Assistant City Attorney Drig,_9/25/2012 Rev._4/1/2013 ReV_5/20/2015 Rev._11/28/2016 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries Page 17 of 10 SCHEDULE A LICENSE FEE License Fee for BlblloBoard: One Year Access to BiblioBoard, Core, Indie Author $20,000 2-15-1021 through 2-14-2022 Project, and Creator License Fee for Content: Capstone (500 Titles) $3,200 Same as above Orca— Elementary School (100Titles) $3,020 Same as above Orca— Middle School (100Titles) $2,620 Same as above Orca — High School (100 Titles) $3,140 Same as above Dark Horse (500 Titles) $6,800 Same as above TidalWave (500 Titles) $3,600 Same as above Total 1 $22,380 License Fee for Indie Author Project: One Year Access to Indie California, IAP Select, and Included Same as above Pressbooks License Fee for BiblloBoard Creator: SSOGB Included Same as above TOTAL: $42,380 Orig _9/25/2012 Rev._4/1/2013 Rev._5/20/2015 Rev._11/28/2016 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries Page 18 of 10 MUL-bisbinoboard Library Name Santa Ana Public Library Primary Contact: Cheryl Eberly Title: Young Adult Librarian E-mail: ceberiy@santa-ana.ore Phone: (714)647-5253 Technical Contact: Lynn Nguyen Title: Principal Librarian E-mail: In2Uyen(a%santa-ana.orR Phone: 714-647-5259 LIBRARY MAILING ADDRESS: 26 Civic Center Plaza anta Ana, CA 92701 327,731 FTE or Population Served: Type any additional notes if needed.] Email .pdf to info@bibiiolabs.com or fax to (803) 454.9419 Orig _9/25/2012 Rev_4/1/2013 ReV_5/20/2015 Rev_11/28/2016 BiblioLabs, LLC BiblioBoard Terms of Use and Conditions for Institutions and Libraries BibliofJoard:** - Library Shared Cloud Service (SCS), including cloud content hosting and responsive Cloudfront patron delivery - Open access content from library community - Allows for publishing of open access content with Creator - Library branding and customization tools - Individual patron account functionality for synching, favorites, list creation, off-line bookshelf, citations, bookmarks and notes - Free technical support for patrons and library staff - Prioritization of product enhancement requests, participation in user groups - MARC records for discovery, APIs for integration - COUNTER reports for usage statistics and analysis - Gateway monitoring to ensure 24x7 availability Creator (Up to 150Gg): - Digital exhibit creation software, engage your community with our easy to use multi -media publishing tools and harvest the collective knowledge and artistic endeavors of your community - Publish and contribute to the open access content initiative - Dedicated content hosting for your library and community - Package and share digital collections with your community or the world - Price includes user and library product support, maintenance and enhancements Core: - Highly affordable primary source historical content database - Curated by subject matter (history, biographies, etc.) in engaging anthologies to promote exploration and education - Make accessible to local school communities for project -based learning - Over 30,000 books, articles, images, video and audio Indie Author Project: - Library Journal product for independent authors in your community - Dedicated and branded web portal for author a -book submissions - Content hosting and Cloudfront delivery for your community a -books - Services includes a -book CIA, curation and editorial services -Library Journal contests and promotions - Free Indie State module for access to all authors in your state -Subscribe to additional Library Journal Select ("best of") modules across a broad range of popular genres, allowing patrons to discover great new indie authors Total a la Carte Price $49,430 Platinum Community Engagement Package Price ($7,050 discount) $42,380 Orig._9/25/2012 Rev. 4/1/2013 Rev _5/20/2015 Rev._11/28/2016 orlg._8/25/2012 Rev_4/1/2013 Rev_5/20/2015 Rev_II/28/2016 Francine R. Villareal Digitally signed by Francine R.Villareal BIBL _4e:2021.03.01165041,-ps06H ,a►coRO CERTIFICATE OF LIABILITY INSURANCE TE DA02/22/2021Y) THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Pinckney Carter Company 1956 Remount Road CONTACT NAME: Gail Hallex PHONE FAX A/c No Ext : 843-747-9073 (A/C, No): 843-747-4726 P.O. Box nest North Charleston, SC 29419-0118 ADDRESS: gail@pinckneycarter.com INSURER(S) AFFORDING COVERAGE NAIC # Joshua M Wood INSURERA : Technology Insurance Company INSURED BiblioLabs LLC INSURER B:The Hartford Insurance Company 19682 PO Box 21206 Charleston, SC 29413-1206 INSURERC: INSURER D : INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR DDL UBR POLICY EFF POLICY EXP LTR TYPE OF INSURANCE INSR WVD POLICY NUMBER MMIDD/YYYY MMIDD/YYYY LIMITS GENERAL LIABILITY EACH OCCURRENCE $ 1,000,000 B X COMMERCIAL GENERAL LIABILITY X 22SBAAE4WT4 11/23/2020 11/23/2021 DAMAGE TO RENTED PREMISES Ea occurrence 50 000 $ , CLAIMS -MADE OCCUR VIED EXP (Any one person) $ 10,000 PERSONAL & ADV INJURY $ 1,000,000 X NOHA GENERAL AGGREGATE $ 2,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: PRODUCTS - COMP/OP AGG $ 2,000,000 X POLICY PRO LOC JECT $ AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident $ BODILY INJURY (Per person) $ ANY AUTO ALL OWNED SCHEDULED BODILY INJURY (Per accident) $ AUTOS AUTOS NON -OWNED PROPERTY DAMAGE $ HIRED AUTOS AUTOS PER ACCIDENT UMBRELLA LIAB OCCUR EACH OCCURRENCE $ AGGREGATE $ EXCESS LAB CLAIMS -MADE DED RETENTION $ $ WORKERS COMPENSATION X WC STATU- OTH- TORY LIMITS ER AND EMPLOYERS' LIABILITY Y / N E.L. EACH ACCIDENT $ 1,000,000 A ANY PROPRIETOR/PARTNER/EXECUTIVE TWC3862423 04/03/2020 04/03/2021 OFFICER/MEMBER EXCLUDED? ❑ (Mandatory in NH) N/A E.L. DISEASE- EA EMPLOYEE $ 1,000,000 If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE- POLICY LIMIT $ 1,000,000 B Cyber Liability 22MB028562620 07/11/2020 07/11/2021 Nedia 1,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (Attach ACORD 101, Additional Remarks Schedule, if more space is required) City of Santa Ana,officers, agents, employee& volunteers are shown as additional insureds pursuant to written contract,agreement ormemorandum. 30 day notice of cancellation except for non pay which is 10 days by state statue. See attached policy for list of exclusions. Liability is primary and noncontributory CERTIFICATE HOLDER CANCELLATION City of Santa Ana Risk Management Division 4TH FLOOR 20 Civic Center Plaza Santa Ana, CA 92702 ACORD 25 (2010/05) CITY-41 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE �w cF ,AM-r-.tDMsl<m REVIEWED & APPROVED SY: © 1988-2010 ACORD CO v"° The ACORD name and logo are registered marks of ACORD WskManagement Analyst OCTOBER 12, 2020 Your insurance policy is scheduled to renew on 11/23/2020 with PINCKNEY CARTER COMPANY. Inside you'll find the documents you need to review for your new policy. In some cases, you may have paperwork that requires your special attention. If so, you'll see those documents packaged together right after this letter. WHAT HAPPENS NEXT As we get closer to your renewal date, we'll send your insurance bill. We may also reach out to you about whether you need to do your yearly premium audit. If so, we'll follow up with more information on how to get started. SEE WHAT YOU CAN DO ONLINE We've made it easy for you to manage your account digitally. Visit https:Hbusiness.thehartford.com and click on "My Account" to log in or register. Once you do, you can: • Pay your bill, view payment history and enroll in Auto Pay • Request certificates of insurance • View billing and policy documents, and sign up for paperless delivery THANK YOU FOR YOUR BUSINESS On behalf of PINCKNEY CARTER COMPANY and The Hartford, we want to thank you again for choosing us. We look forward to serving your business insurance needs for the upcoming term, too. SC50621018 ew cF RAMwagementDMsian Jy/\'x REVIEWED & APPROVED BY: 11 ,v --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS Thank you for renewing your policy with the Hartford. With this notice we are providing you only with the declarations page, which outlines your coverages, and with those policy forms, notices, and brochures which are different from those which we provided with your previous policy. You should retain all of these documents and those provided with your Previous policy indefinitely so that you will have a complete set of policy forms at all times for your reference. If you have questions, or if at any time you need copies of any of the forms listed on your policy you may access them by registering for access to the customer service portal at business.TheHartford.com. You may also request them by calling your Hartford agent or broker, or the office of the Hartford identified on your policy, as appropriate. eGF �D Form SC 50 64 06 20 ��/ 1°x REVIEWED & APPROVED BY.- © 2020, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THE HARTFORD SOUTH CAROLINA - INFORMATION ON WINDSTORM LOSS MITIGATION FEATURES AND AVAILABLE PREMIUM DISCOUNTS - ADVISORY NOTICE TO POLICYHOLDERS This Notice provides information on the availability and range of premium discounts for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented. The discounts apply only to the portion of the premium attributable to wind coverage. Listed below is general information about available discounts. The estimates below are general in nature and the actual amount of the discount(s), if any, may vary depending on specific features and conditions of the insured property. Please contact your agent, broker or Hartford representative for more specific information. Estimated Premium Description of Mitigation Measures Discount Percent Range Roof Covering and Roof Covering Attachment o South Carolina Building Code (SCBC) Equivalent: Roof coverings and attachments in compliance with the SCBC. .01 -.04 Roof Deck and Roof Deck Attachment o Plywood/Oriented Strand Board with nails 2 1/2-inches long spaced at 6 inches from the edge of the plywood and 12 inches in the field on 24-inch truss spacing; o Plywood/Oriented Strand Board with nails 2 1/2-inches long spaced at 6 .01 -.04 inches from the edge of the plywood and 6 inches in the field on 24-inch truss spacing; o Dimensional Lumber and Tongue and Groove Decks composed of 3/4-inch thick boards with nominal widths of 4 inches or more; or o Reinforced Concrete Roof Deck. Roof -To -Wall Connection (Roof Anchorage) o Clips: Pieces of metal that are nailed into the side of the rafter/truss and into the side of the top plate or wall stud. The metal does not wrap around the top of the rafter/truss, and the clip is only located on one side of the connection; o Hurricane Ties — Single Wraps: A single strap that is attached to the side and/or bottom of the top plate and is nailed to the rafter/truss; or .01 - .03 o Hurricane Ties — Double Wraps: Straps that are wrapped on both sides, are attached to the side and/or bottom of the top plate, and are nailed to the rafter/truss. eGF �D Form SP 90 04 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THE HARTFORD Estimated Premium Description of Mitigation Measures Discount Percent Range Door Strength o Reinforced Single -Width Doors. .01 - .02 Opening Protection o Tempered, Heat -Strengthened or Laminated Glass or Insulating Glass Units with no Engineered Shutters; or o Hurricane Engineered Shutters: All openings protected to meet the .01 - .07 requirements of the SCBC. Roof Shape o Hip: Roof has sloping ends and sloping sides down to the roof eaves line; or o Gable: Roof has vertical walls that extend all the way to the top of the inverted .02 - .07 o V. Gable roof must be braced to qualify for a discount. Secondary Water Resistance o Self -adhering modified bitumen tape to the plywood joints of the roof; or o Foamed polyurethane structural adhesive from inside the attic to cover the .01 - .02 joints between all plywood sheets of the roof. Form SP 90 04 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ew cF RAMwagmedDMsian Jy/\'x REVIEWED & APPROVED BY.- v --� Risk janagement Analyst CERTIFICATE OF LIABILITY INSURANCE r�JTE(MM/DD/200/12/2020 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATIONIS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT PINCKNEY CARTER COMPANY 22292176 NAME: PHONE (877)853-2582 (A/C, No, Ext): FAX (888)443-6112 (A/C, No): PO BOX 60118 NORTH CHARLESTON SC 29419 E-MAIL ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC# INSURED INSURERA: Hartford Underwriters Insurance Company 30104 BiblioLabs LLC INSURERB: PO BOX 21206 INSURER C : CHARLESTON SC 29413-1206 INSURER D INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL INSR SUBR WVD POLICY NUMBER POLICY EFF MM/DD/YYYY POLICY EXP MM/DD/YYY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $1,000,000 CLAIMS -MADE OCCUR DAMAGE TO RENTED $1,000,000 PREMISES Ea occurrence X MED EXP (Any one person) $10,000 General Liability A 22SBAAE4WT4 11/23/2020 11/23/2021 PERSONAL & ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 POLICY ❑ PRO - X JECT ❑ LOC PRODUCTS - COMP/OPAGG $2,000,000 OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident BODILY INJURY (Per person) ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS BODILY INJURY (Per accident) HIRED NON -OWNED PROPERTY DAMAGE AUTOS AUTOS (Per accident) UMBRELLA LIAB OCCUR EACH OCCURRENCE EXCESS LIAB CLAIMS- MADE AGGREGATE DED RETENTION $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS' LIABILITY STATUTE ER E.L. EACH ACCIDENT ANY Y/N PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? N/A E.L. DISEASE -EA EMPLOYEE (Mandatory in NH) If yes, describe under E.L. DISEASE - POLICY LIMIT DESCRIPTION OF OPERATIONS below A Employment Practices Liability Insurance 22 SBAAE4WT4 11/23/2020 11/23/2021 Each Claim Limit Annual Aggregate Limit $25,000 $25,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Those usual to the Insured's Operations. Certificate holder is an additional insured per the Blanket Additional Insured By Contract Form SL3032 attached to this policy. "FOR INFORMATIONAL PURPOSES ONLY" SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED PO BOX 21206 BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED CHARLESTON SC 29413-1206 IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE c" �a-J © 1988-2015 ACORD COR µop Risk Managemeri UlMsion ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD REVIEWED &APPROVEDSY: v All—R(sk MYanagement Analyst THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS Thank you for choosing The Hartford for your business insurance needs. You are receiving this Notice because you purchased a business owner's policy from The Hartford, (your Policy was issued by The Hartford writing company identified on your policy Declarations page) which includes access to The Hartford Cyber Center. This portal was created because we recognize that businesses face a variety of cyber-related exposures and need help managing the related risks. These exposures include data breaches, computer virus attacks and cyber extortion threats. Through The Hartford Cyber Center, you have access to: 1. A panel of third party incident response service providers 2. Third party cybersecurity pre -incident service providers and a list of approved services to help protect your business before a cyber-threat occurs 3. Risk management tools, including self -assessments, best practice guides, templates, sample incident response plans, and data breach cost calculators 4. White papers, blogs and webinars from leading privacy and security practitioners 5. Up-to-date cyber-related news and events, including examples of privacy and security related events Accessing The Hartford Cyber Center is easy 1. Visit www.thehartford.com/cybercenter 2. Enter policyholder information 3. Access code: 952689 4. Login to The Hartford Cyber Center This Notice does not amend or otherwise affect the provisions of your business owner's policy. Coverage Options: The Hartford offers a variety of endorsements to your business owner's policy that can help protect your business from a broad range of cyber-related threats. Please review your coverage with your insurance agent or broker to determine the most appropriate cyber coverages and limits for your business. Claims Reporting: If you have a claim, you can report it by calling The Hartford's toll -free claims line at 1-800-327-3636. Should you have any questions, please contact your insurance agent, broker or you may contact us directly. We appreciate your business and look forward to being of continued service to you. Please be aware that: 1. The Hartford Cyber Center is a proprietary web portal exclusively provided to customers of The Hartford. Please do not share the access code with anyone outside your organization. 2. Registration is required to access the Cyber Center. You may register as many users as necessary. 3. Contacting a service provider about any issue does not constitute providing The Hartford notice of a claim as required under your insurance policy. Read your insurance policy and discuss any questions with your agent or broker. The Hartford Cyber Center provides third party service provider references and materials for educational purposes only. The Hartford does not specifically endorse any such service provider within The Hartford Cyber Center and hereby disclaims all liability with respect to use of or reliance on such service providers. All service providers are independent contractors and not agents of The Hartford. The Hartford does not warrant the performance of the service providers, even if such services are covered under your Business Owners Policy. We strongly encoural assessments of the service providers' services and the fitness or adequacy of such services Form SC 90 04 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManWmad DMsian ke7 1'x REVIEWED & APPROVED BY.- 1,,; "° wd --� Risk janagement Analyst i r I s w. � q o AI � �I WWWWWI% . 'ice "ilfyo, REVIEWED & APPROVED BY.- "Togv --� Risk Pjanagement Analyst Form: SC 00 12 10 18 00206588 r by".ti H t T H E Business uwner I s Declarations: Policy Number: 22 SBA AE4WT4 Policy Period: 11/23/2020 to 11/23/2021, 12:01 a.m., Standard time at your mailing address shown here. Exception: 12 noon in New Hampshire. Insurer: Hartford Underwriters Insurance Company, a property and casualty company of The Hartford. One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: BiblioLabs LLC PO BOX 21206 CHARLESTON, SC 29413-1206 Type of Business: Technology Service Provider Name of Agency/Broker: PINCKNEY CARTER COMPANY PO BOX 60118 NORTH CHARLESTON, SC 29419 Code: 22292176 Previous Policy Number: 22 SBA AE4WT4 Organization Type: LLC Audit Period: Auditable Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy. Total Premium includes the premium for all Coverage Parts issued to you in this policy, as well as any companion policies delivered with this policy. Total Premium includes any applicable fees and surcharges. Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit. Countersigned by: Jf,,1� 1�f Authorized Representative 10/12/2020 Date A Business Owner's Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone else, or someone else's property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Risk Mwag meet Division Form: SC 00 01 10 18 �_/ ,`x REVIEWED&APPROVED BY.- --� RFA Pjanagement Analyst r bk .ti Tr t Declarations: Business HARTFOR Glossary of Terms* » rrrninm ulffffPu�rii/miiimuiumo- V 1 2MiV V� 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. STRETCH® PLUS A unique feature of The Hartford's policy is an optional enhancement to the policy which ......._ ......... ......... ........_ increases the limit of insurance for several coverages and adds new coverages to the policy. ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... ........_ ........,. STRETCHO PLUS Blanket Limit Provides a single limit of insurance that applies to more than one Coverage. Coverages subject to the STRETCHO Blanket Limit may also have additional limits of insurance which would apply in addition to the STRETCHO Blanket Limit. '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 cF IZAManagk:medDMsian Jy/\'x REVIEWED & APPROVED BY.- v --� Risk Pjanagement Analyst Declarations: Locations and Location -Based Coverages Here's how your Business Owner's insurance coverage and limits apply to your business locations (-OC). If you have more than one location or building (BLDG), we break out your coverage and limits separately for 000hLOC. Loc1.sLom1 Class: Technology Service Provider Valuation Location: ozWEoTEooEoToTE41noHAnLEoTow.00ue4na4rmc Business Personal Property (ePP): Construction Type: Non-combustible Replacement Cost Year Built: un10 Property Deductible: $2,500 Form: oonnn1 10 18 RAMwagmedDMsiun RtWjanagernentftalpt Declarations: Property Coverage Par) The coverages listed below apply to the location(s) for which you purchased property coverage. The limits in the right-hand column show the maximum amount we'll pay. Read the entire Coverage Part to determine your rights, duties and what is and is not covered under the coverages listed below. STRETCHO PLUS Blanket Limit: $150,000 aPaoza1o10 ACCOUNTS RECEIVABLE SP 30 57 10 18 BACK-UP OF SEWERS AND DRAINS COVERAGE SP 30 13 10 18 BUSINESS INCOME AND EXTRA EXPENSE Extended Business Income Limit Type Period of Restoration Waiting Period SP 30 19 10 18 BUSINESS INCOME FOR CIVIL AUTHORITY ORDERS Duration of Coverage Waiting Period SP 30 40 10 18 BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES Limit Waiting Period SP 30 14 10 18 BUSINESS INCOME FROM DEPENDENT PROPERTIES Limit Period of Restoration Waiting Period SP 30 45 10 18 BUSINESS INCOME FROM OFF -PREMISES OPERATIONS Extended Business Income Limit Waiting Period Limit Max Period of Restoration Waiting Period Form: oonnn1 10 18 Included maTnsToHOPLUS Blanket Limit $10,000 |nmuuou Included` endays Actual Loss Sustained 12monms None Included in aodays None $50,000 12 hours $50,000 ____ 1umomms ____ None endays $50,000 None $25,000 ___ 7uays ___ 1uhoum $25,000 ___ |no|uuou' Risk MmRgmerdoMsiun nswsWso&APPROVED mr F04*.�" P, VX*vd mWmanmo,mentxuwlptl 1- Declarations: Property Coverage Par) WTHFUM401 Additional Limit ... ..................................................,I... SP 30 37 10 18 ......... ........_ ......... ......... ........_ ......... ......... CONTRACT PENALTIES SP 30 01 10 18 DEBRIS REMOVAL Limit ....................................................... SP 30 29 10 18 ................................................................................................................................................ ELECTRONIC DATA ................................................................................................................................................ Stretch Policy Year Limit SP 30 42 10 18 EMPLOYEE DISHONESTY COVERAGE - EXCLUDES ERISA COMPLIANCE ....................................................... SP 30 02 10 18 ................................................................................................................................................ EQUIPMENT BREAKDOWN ................................................................................................................................................. Deductible ................................................................................................................................................ Defense ................................................................................................................................................. Expediting Expenses ................................................................................................................................................. Hazardous Substances ................................................................................................................................................. Supplementary Payments SP 30 38 10 18 EXPEDITING EXPENSES ...................................................... SP 30 55 10 18 ................................................................................................................................................ FINE ARTS COVERAGE SP 30 03 10 18 FIRE DEPARTMENT SERVICE CHARGE ...................................................... SP 30 04 10 18 ................................................................................................................................................ FIRE EXTINGUISHER RECHARGE SP 30 16 12 19 FORGERY COVERAGE (INCLUDING CREDIT CARDS, ...................................................... CURRENCY AND MONEY ORDERS) ................................................................................................................................................ SP 30 46 10 18 FRAUDULENT TRANSFER COVERAGE SP 30 05 10 18 GARAGES, STORAGE BUILDINGS, AND OTHER APPURTENANT STRUCTURES ...................................................... SP 30 06 10 18 ................................................................................................................................................ GLASS EXPENSE SP 30 22 10 18 IDENTITY RECOVERY FOR BUSNESSOWNERS AND EMPLOYEES Deductible Limit Lost Wages and Child and Elder Care Expense Mental Health Sublimit ...................................................... SP 30 30 10 18 ................................................................................................................................................ INTERRUPTION OF COMPUTER OPERATIONS ................................................................................................................................................. Period of Restoration ................................................................................................................................................. Policy Year Limit ................................................................................................................................................. Waiting Period , ... ... ... .... ... ... '................................................................. SP 30 07 10 1E S LEASE ASSESSMENT E AS E SS' M E NT I' ... ... .. .. .. .. . .. ... SP 30 54 10 18 . .. .. ... ... .. .. .... .. ... . ... .. ... ....... .. ... .. .. ... .. LEASEHOLD IMPROVEMENTS Form: SC 00 01 10 18 $10,000 .......................................................................................................... $5,000 Included in STRETCH® PLUS Blanket Limit 25% of amount paid for covered loss Included in STRETCHO PLUS Blanket Limit $25,000 $25,000 $50,000 Included2 $250 $15,000 $250 per day, $5,000 per policy year $1,500 12 months ......................... $50,000 ......................... 12 hours $2,500 cF Risk Mwagmend DMsiun REVIEWED & APPROVED BY.- F04c.�" P, VX*vd RtWjanagernentftalptl n 1- Declarations: Property Coverage Par) WTHFUM401 SP 30 17 10 18 LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE Limit $50,000 Period of Restoration 30 days ..........................................................,.... SP 30 08 10 18 ......... ........_ ......... ......... ........_ ......... ......... LOCK AND KEY REPLACEMENT ........_ ......... ......... ........_ ......... .......... $1,000 SP 30 36 03 20 LOST KEYS $2,500 ..........................................................,.... SP 30 28 10 18 ......... ........_ ......... ......... ........_ ......... ......... MONEY AND SECURITIES COVERAGE ........_ ......... ......... ........_ ......... .......... ... ........_ ......... ......... ........_ ......... ......... ........_ Inside the Premises Limit ........_ ......... ......... ........_ ......... .......... $10,000 ... ......... ........_ ......... ......... ........_ ......... ......... Outside the Premises Limit ........_ ......... ......... ........_ ......... .......... $5,000 SP 30 24 10 18 NEWLY ACQUIRED OR CONSTRUCTED PROPERTY Newly Acquired or Constructed BI/EE Limit $500,000 ..........................................................,.... Newly Acquired or Constructed BPP Limit ......... ........_ ......... ......... ........_ ......... ......... $750,000 ........_ ......... ......... ........_ ......... .......... SP 30 39 10 18 NON -OWNED DETACHED TRAILERS Included in STRETCHO PLUS Blanket Limit SP 30 50 10 18 OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE $25,000 ...........................................................,... SP 30 11 12 19 ........_ ......... ......... ........_ ......... ......... ........_ ORDINANCE OR LAW COVERAGE ........_ ......... ......... ........_ ......... .......... ... ........_ ......... ......... ........_ ......... ......... ........_ Increased Cost of Construction & Demolition ........_ ......... ......... ........_ ......... .......... $25,000 Costs Limit ... ........_ ......... ......... ........_ ......... ......... ........_ Undamaged Part Limit ........_ ......... ......... ........_ ......... .......... $25,000 SP 30 25 10 18 OUTDOOR PROPERTY $50,000 ..........................................................,.... SP 31 35 10 18 ......... ........_ ......... ......... ........_ ......... ......... OUTDOOR SIGNS ON PREMISES ........_ ......... ......... ........_ ......... ......... $25,000 SP 30 33 10 18 PAIRS OR SETS Includedz ..........................................................,.... SP 30 53 10 18 ......... ........_ ......... ......... ........_ ......... ......... PAVED SURFACES ........_ ......... ......... ........_ ......... ......... $25,000 SP 30 09 10 18 PERSONAL EFFECTS Included in STRETCH® PLUS Blanket Limit ...........................................................,... SP 30 20 10 18 ........_ ......... ......... ........_ ......... ......... ........_ POLLUTANTS AND CONTAMINANTS CLEAN UP AND ......... ........_ ......... ......... ........_ ........,. $15,000 REMOVAL SP 30 10 10 18 PRESERVATION OF PROPERTY 45 days ..........................................................,.... SP 30 26 10 18 ......... ........_ ......... ......... ........_ ......... ......... PROPERTY OFF -PREMISES ........_ ......... ......... ........_ ......... ......... $50,000 SP 30 34 10 18 SALESPERSONS SAMPLES $5,000 ..........................................................,.... SP 30 51 10 18 ......... ........_ ......... ......... ........_ ......... ......... SPOILAGE ........_ ......... ......... ........_ ......... .......... Included in STRETCHO PLUS Blanket Limit ... ........_ ......... ......... ........_ ......... ......... ........_ Business Income Limit ........_ ......... ......... ........_ ......... .......... $25,000 ... ......... ........_ ......... ......... ........_ ......... ......... Waiting Period ........_ ......... ......... ........_ ......... ......... 12 hours SP 30 49 10 18 SUMP OVERFLOW OR SUMP PUMP FAILURE $25,000 ......._ ......... ......,... SP 30 44 10 18 ........_ ......... ......... ........_ ......... ......... ........_ THEFT DAMAGE TO BUILDING ........_ ......... ......... ........_ ......... .......... Includedz SP 30 61 10 18 TRANSIT BUSINESS INCOME Limit $25,000 Period of Restoration 12 Risk MwagmerdDMsiun Form: SC 00 01 10 18 J_/, �°x REVIEWED &APPROVmBY.- .. h` --� Rusk Pjanagement Analpt 1- Declarations: Property Coverage Par) WTHFUM401 11��i i i =fiu k 'i iT 111111 3-f I MUZZ& � =U1111111111i Waiting Period None ...... ............ .................... .............. SP 30 48 10 18 ........................................................................................................................................... TRANSIT COVERAGE ..... $25,000 ------ -------------------------------------------------------------------------------------------------------------------- SP 30 52 10 18 UNAUTHORIZED BUSINESS CARD USE ---------- $5,000 ....... ............ ..................... .......................................................................................................................................................... SP 30 12 10 18 VALUABLE PAPERS AND RECORDS ..... Included in STRETCHO PLUS Blanket Limit SP 30 35 10 18 VALUATION CHANGES: COMMODITY, FINISHED AND Included MERCANTILE STOCK ....... ............. ........... ......... ....................................................... SP 30 27 10 18 ............... ............. ........... WATER DAMAGE, OTHER LIQUID, POWDER OR ............ .............. ............ ............... Included2 MOLTEN MATERIAL DAMAGE ,included within Covered Property Limit(s) (Building and/or Business Personal Property) * Price is subject to fees and surcharges. For more details, refer to Page 10 Form: SC 00 01 10 18 cF RAMwagmedDMsiun REVIEWED & APPROVED BY. - Risk PjanagernentAnalyst ft Declarations: . .... Business Liability Coverage Part Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum amount we'll pay. 'Included in Business Liability Limit(s) * Price is subject to fees and surcharges. For more details, refer to Page 10 Form: SC 00 01 10 18 cF RAMwagmedDMsiun REVIEWED & APPROVED BY.- F04c.�" P, VX*vd WOMMIR Risk PjanagernentAnalyst Declarations: Other Liability Coverages Your policy also includes the following additional liability Coverage Parts or polices. Please see the applicable Declaration form for details. Declarations: Common Forml Your policy includes the Common Forms listed below. These forms apply to all Coverage Parts on your policy. Ii i=fi a �� li lH. m ��� ACORD25BInktAddln BLANKET ADDITIONAL INSURED - COI sd SC 00 00 10 18 COMMON POLICY CONDITIONS SC 00 01 10 18 DECLARATIONS: BUSINESS OWNER'S POLICY ......._ ......... ........_ SC 70 00 10 18 ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... .......... DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SC 50 64 06 20 IMPORTANT NOTICE TO POLICYHOLDER'S .....................................................,. SC 50 46 10 18 ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... .......... IMPORTANT NOTICE TO POLICYHOLDERS SC 90 04 10 18 IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS ......._ ......... ........_ 100722 ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... .......... INSURANCE POLICY BILLING INFORMATION SC 50 31 10 18 PRODUCER COMPENSATION NOTICE ......._ ......... ........_ SC 01 39 09 19 ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... ........,. SOUTH CAROLINA CHANGES - COMMON POLICY CONDITIONS SC 00 12 10 18 SPECTRUM BUSINESS OWNER'S POLICY JACKET .............................................................,. SC 00 02 10 18 ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... ......... ........_ ......... .......... SPECTRUM SUPPLEMENTAL SCHEDULE OF AUDITABLE COVERAGES SC 90 16 10 18 TRADE OR ECONOMIC SANCTIONS ENDORSEMENT SC 90 15 10 18 US DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL (OFAC) ADVISORY NOTICE TO POLICYHOLDERS Form: SC 00 01 10 18 ew cF RAMwagmedDMsian REVIEWED & APPROVED BY.- --� Risk janagement Analyst Declarations: Other Charges States laws and regulations may require you to pay taxes, fees, surcharges or other costs. We've listed those Form: oonnn1 10 18 Declarations: Employment Practices Liability Coverage Part COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'S PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS AVAILABLE. This Declarations Page, with Common Policy Conditions, Employment Practices Liability Coverage Form and Endorsements, if any, shall together constitute this Employment Practices Liability Coverage Part, which in turn forms a part of the Policy Number shown below. The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part. Policy Number: 22 SBA AE4WT4 Policy Period Effective date: 11/23/2020 Expiration date: 11/23/2021 12:01 A.M., Standard time at the address of the named insured as stated herein. 12 noon in New Hampshire. Insurer: Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: BiblioLabs LLC PO BOX 21206 CHARLESTON, SC 29413-1206 This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SL 55 74 10 18 Process Date: 10/12/2020 Policy Expiration Date: 11/23/2021 cF IZAManagk:medDMsian k4e 1'x REVIEWED & APPROVED SY.- V"° --� Risk Pjanagement Analyst s Declarations- s Employment Practices B Liability Coverage Part s s s CONTINUED POLICY PERIOD EFFECTIVE DATE: 11/23/2020 EXPIRATION DATE: 11/23/2021 12:01 A.M., Standard time at the address of the named insured as stated herein. Exception: 12 noon in New Hampshire. LIMITS OF LIABILITY EACH CLAIM LIMIT: $25,000 ANNUAL AGGREGATE LIMIT: $25,000 RETROACTIVE DATE: 11/23/2019 If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part. DEDUCTIBLE: $ Each claim Form Numbers of Forms and Endorsements that apply: FORM NUMBER FORM NAME SL 55 74 10 18 DECLARATIONS - EMPLOYMENT PRACTICES LIABILITY COVERAGE PART SL 55 36 10 18 THIRD PARTY LIABILITY ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY SL 55 34 10 18 WAGE AND HOUR CLAIMS EXPENSES - EMPLOYMENT PRACTICES LIABILITY SL 55 37 10 18 RETROACTIVE DATE ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY SL 55 02 10 18 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) Countersigned by Authorized Representative Form: SL 55 74 10 18 Process Date: 10/12/2020 Policy Expiration Date: 11/23/2021 10/12/2020 Date ew cF IZAManagk:medDMsian �40 1°x REVIEWED & APPROVED SY.- V"° --� Risk Pjanagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SPECTRUM SUPPLEMENTAL SCHEDULE OF AUDITABLE COVERAGES This schedule reflects only those classes and/or coverages that are subject to audit. POLICY NUMBER: 22 SBA AE4WT4 Revised: 10/12/2020 Entries herein, except as specifically provided elsewhere in this policy, do not modify any of the other provisions of this policy. Auditable Coverage Description: LOC 1, BLDG 1: 22 WESTEDGE ST STE 410CHARLESTON,SC 29403-4702 Class Code: 11041 Class Code Description: Technology Service Provider Coverage Description Rating Basis Exposure Final Rate Business Income from Off- Premises Operations Sales 2,304,500 0.003000 Collapse Sales 2,304,500 0.001000 Newly Acquired or Constructed Property Sales 2,304,500 0.001000 Products - Completed Operations Sales 2,304,500 0.018000 Sump Overflow or Sump Pump Failure Sales 2,304,500 0.001000 Limited Fungi, Bacteria or Virus Coverage Sales 2,304,500 0.001000 Interruption of Computer Operations Sales 2,304,500 0.003000 Business Income from Websites Sales 2,304,500 0.001000 Employee Dishonesty Coverage - Excludes ERISA Compliance Sales 2,304,500 0.027000 Spoilage Sales 2,304,500 0.001000 Business Income from Civil Authority Actions Sales 2,304,500 0.001000 Transit Business Income Sales 2,304,500 0.001000 Fraudulent Transfer Coverage Sales 2,304,500 0.011000 Liability and Med Exp (Premises/Completed Operations) Sales 2,304,500 0.015000 Business Income and Extra Expense Sales 2,304,500 0.049000 MmWmadD- Form SC 00 02 10 18 �w GF ��/ 1°x REVIEWED & APPROVm SY: Process Date: 10/12/2020 ©2018, The Hartford Policy 1'" ,. v AVG (May include copyrighted material of Insurance Services Office, Inc., with its ------- Wsk Pjanagement Analpt THE HARTFORD SPECTRUM POLICY DECLARATIONS (CONTINUED) SUPPLEMENTAL DECLARATIONS: THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR WIND OR HAIL LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. THE ENCLOSED EXAMPLE ILLUSTRATES HOW THE DEDUCTIBLE MIGHT AFFECT YOU (SEE THE WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE — SOUTH CAROLINA ENDORSEMENT FORM SP 10 06 ATTACHED TO THIS POLICY). Msiun Form SC 01 69 10 18 �w GF �� - ��/ 1°x REVIEWED & APPROVm BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS To help your insurance keep pace with increasing costs, we have increased your amount of insurance ... giving you better protection in case of either a partial, or total loss to your property. If you feel the new amount is not the proper one, please contact your agent or broker. eGF �D Form SC 50 46 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THE HARTFORD SPECIAL PROPERTY COVERAGE FORM SPECIAL PROPERTY COVERAGE FORM READ YOUR POLICY CAREFULLY QUICK REFERENCE Beginning on Page A. COVERAGES 1 Covered Property 1 Property Not Covered 2 Covered Causes of Loss 2 Limitations 2 Additional Coverages 3 Coverage Extensions 3 B. EXCLUSIONS 3 C. LIMITS OF INSURANCE 9 D. DEDUCTIBLES 10 E. PROPERTY LOSS CONDITIONS 10 Abandonment 10 Appraisal 10 Duties in the Event of Loss or Damage 10 Legal Action Against Us 11 Loss Payment 11 Recovered Property 13 Salvage 14 Vacancy 14 F. PROPERTY GENERAL CONDITIONS 14 Control of Property 14 Mortgage Holders 14 No Benefit to Bailee 15 Other Insurance 15 Policy Period, Coverage Territory 15 Transfer Of Rights of Recovery Against Others To Us 15 G. PROPERTY DEFINITIONS 16 ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY: © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD SPECIAL PROPERTY 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 Part the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we," "us" and 'bur" refer to the Company providing this insurance. "Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier. Other words and phrases that appear in quotation marks have special meaning. Refer to Section G., PROPERTY DEFINITIONS. A. COVERAGE We will pay for direct physical loss of or direct physical damage to Covered Property at the premises described in the Declarations (also called "scheduled premises" in this Coverage Part) caused by or resulting from a Covered Cause of Loss. 1. Covered Property Covered Property as used in this Coverage Part, means the following types of property for which a Limit of Insurance is shown in the Declarations: a. Buildings, meaning the building(s) and structure(s) described in the Declarations, including: (1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Your personal property in apartments, rooms or common areas furnished by you as landlord; (5) Building Glass, meaning glass that is part of a building or structure; (6) Personal property owned by you that is used to maintain or service the buildings or structures on the premises, including: (a) Fire extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings; and (d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (7) If not covered by other insurance: (a) Additions under construction, alterations and repairs to the buildings or structures; (b) Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the "scheduled premises", used for making additions, alterations or repairs to the buildings or structures. b. Business Personal Property located in or on the building(s) or structure(s) described in the Declarations at the "scheduled premises" or in the open (or in a vehicle) within 1,000 feet of the building(s) or structure(s) or within 1,000 feet of the "scheduled premises", whichever distance is greater, including: (1) Property you own that is used in your business; (2) Tools and equipment owned by your "employees", which are used in your business "operations"; (3) Property of others that is in your care, custody or control; (4) "Tenant improvements and betterments"; (5) Leased personal property for which you have contractual responsibility to insure unless otherwise provided for under this Coverage Part; and Qeo.NCF IZisleManagzmentDiviaian Form SP 00 00 10 18 REVIEWED & APPROVED BY: © 2018, The Hartford i (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD (6) Exterior building glass, if you are a tenant and no Limit of Insurance is shown in the Declarations for Building property. The glass must be owned by you or in your care, custody or control and for which the lease holds you responsible. 2. Property Not Covered Covered Property does not include: a. Aircraft (including "unmanned aircraft", other than "unmanned aircraft" held for sale); b. Automobiles, motortrucks and other vehicles subject to motor vehicle registration; c. Automobiles held for sale; d. Trailers or semi -trailers except as otherwise provided for in this Coverage Part; e. "Money", bank notes and "securities", except as otherwise provided in this Coverage Part; f. Contraband, or property in the course of illegal transportation or trade; g. Land, whether or not resurfaced with stone, gravel or similar layer or a paved surface, (including land on which the property is located), land improvements, water (including water that is natural, metered water that is purchased from a utility company or other supplier, water that is located within a swimming pool, and/or bulk containerized water which is used for a fire suppression system. This does not include containerized water that is "stock"), growing crops, standing timber or lawns (other than lawns which are part of a vegetated roof); h. Outdoor fences, radio or television antennas (including satellite dishes), including their lead-in wiring, masts or towers, signs (other than signs attached to buildings), trees, shrubs or plants (other than "stock" of trees, shrubs or plants or trees, shrubs or plants which are sold but not delivered or which are part of a vegetated roof), except as otherwise provided for in this Coverage Part; i. Watercraft (including motors, equipment and accessories) while afloat; j. "Valuable papers and records" (including the cost to research, replace or restore the information on "valuable papers and records"), except as otherwise provided for in this Coverage Part; k. "Electronic data" (including the cost to research, replace or restore "electronic data") except as otherwise provided for in this Coverage Part. This Paragraph k. does not apply to your "stock" of prepackaged software; I. Accounts, bills, food stamps, other evidences of debt or accounts receivable, except as otherwise provided for in this Coverage Part; m. "Computer(s)" which are permanently installed in aircraft, watercraft, motor truck, or other vehicles subject to motor vehicle registration; n. Live eggs, embryos and cells; o. Animals, unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings, except as otherwise provided for in this Coverage Part; and p. Property that is more specifically covered, insured or described elsewhere within this Coverage Part or in any other policy, except for the excess of the amount due (whether you can collect on it or not) from other insurance. 3. Covered Causes of Loss Covered Cause of Loss means direct physical loss or direct physical damage unless the loss or damage is excluded or limited in this Coverage Part. 4. Limitations a. We will not pay for loss of or damage to: (1) Property that is missing, where the only evidence of the loss or damage is a shortage disclosed on taking inventory, or other instances where there is no physical evidence to show what happened to the property; (2) Property that has been transferred to a person or to a place outside the "scheduled premises" on the basis of unauthorized instructions, except as otherwise provided for in this Coverage Part; or (3) The interior of any building or structure, or to personal property in the building or structure, caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless: ew cF RAMwagzmedDMsian Form SP 00 00 10 18 J_/ ,qq REVIEWED & APPROVED BY.- © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD (a) The building or structure first sustains physical damage by a Covered Cause of Loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or (b) The loss or damage is caused by or results from thawing of snow, sleet, or ice on the building or structure. b. Pets and animals are covered only if they are: (1) Stolen; or (2) Their destruction is made necessary by or are killed by a "specified cause of loss". c. For direct physical loss or direct physical damage by theft, the following types of property are covered only up to the limits shown: (1) $2,500 for furs, fur garments and garments trimmed with fur; (2) $5,000 for jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches worth $500 or less per item; (3) $2,500 for patterns, dies, molds and forms; and (4) $500 for stamps, lottery tickets held for sale and letters of credit. d. We will not pay for loss or damage to lawns, trees, shrubs or plants which are part of a vegetated roof, caused by or resulting from: (1) Dampness or dryness of atmosphere or of soil supporting the vegetation; (2) Changes in or extremes of temperature; (3) Frost or hail; or (4) Rain, snow, ice or sleet. e. The most we will pay for direct physical loss or direct physical damage to outdoor signs attached to buildings is $5,000 per sign in any one occurrence. 5. Additional Coverages Additional Coverages may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Additional Coverages are subject to and not in addition to the Limits of Insurance in this Coverage Form. 6. Coverage Extensions Coverage Extensions may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Coverage Extensions are in addition to the Limits of Insurance in this Coverage Form. B. EXCLUSIONS 1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area. a. Earth Movement (1) Earthquake, meaning a shaking or trembling of the earth's crust, including tremors and aftershocks, resulting in breaking, shifting, rising, settling, sinking or lateral movement; (2) Landslide, including any earth sinking, rising or shifting related to such event; (3) Mine subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased; (4) Earth sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil, and the action of water under the ground surface; ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY: © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD But if Earth Movement, as described in Paragraphs (1) through (4) above, results in fire or explosion damage to Covered Property, we will pay for the physical loss or physical damage to Covered Property caused by that fire or explosion. (5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire or volcanic action damage to Covered Property, we will pay for the physical loss or physical damage caused by that fire or volcanic action. Volcanic action means direct physical loss or direct physical damage resulting from the eruption of a volcano when the direct physical loss or direct physical damage is caused by: (a) Airborne volcanic blast or airborne shock waves; (b) Ash, dust, or particulate matter; or (c) Lava flow. With respect to coverage for volcanic action as set forth in 5(a) through 5(c) above, all volcanic eruptions that occur within any 168-hour period will constitute a single occurrence. Volcanic action does not include the cost to remove ash, dust, or particulate matter that does not cause direct physical loss or direct physical damage to Covered Property. This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (5), is caused by weather, an act of nature or by an artificial, man-made or other cause. b. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for direct physical loss or direct physical damage to Covered Property caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part. c. Nuclear Hazard (1) Nuclear reaction, nuclear radiation or radioactive contamination, however caused, whether intentional or unintentional. This includes, but is not limited to, the release, dispersal or application of radioactive material, or the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination or radioactive force. (2) When state standard fire policy law requires that we cover any resulting fire damage, we will pay only for the resulting damage to Covered Property caused by that resulting fire, if the fire would be covered under this Coverage Part. We will pay only the actual cash value for the damaged property. Therefore, we will not pay for any indirect or related loss(es), such as Business Income, Extra Expense, legal liability, or leasehold interest loss(es). d. Utility Services The failure of "communication supply services", "power supply services", "wastewater removal services", "water supply services" or other utility service supplied to the "scheduled premises", however caused, if the failure: (1) Originates away from the "scheduled premises"; or (2) Originates at the "scheduled premises" but only if such failure involves equipment used to supply the utility service to the "scheduled premises" from a source away from the "scheduled premises". Failure of any utility service includes lack of sufficient capacity and reduction in supply necessary to maintain normal "operations". But if physical loss or physical damage to Covered Property by a Covered Cause of Loss results, we will pay for that resulting physical loss or physical damage. e. War and Military Action (1) War, including undeclared or civil war; (2) Hostile or warlike action, in time of peace or war, including action in hindering, combating or defending against an actual or expected attack, by any of the following: ew cF RAMwagzmedDMsian Form SP 00 00 10 18/°x ►��exrr & APPROVED BY.- © 2018, The Hartford .. v (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD (a) Government or sovereign power (including quasi and de facto forms), or by any authority maintaining or using military, naval or air forces; (b) Military, naval or air forces; or (c) An agent of such government, power, authority or forces. (3) Invasion, insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering, combating or defending against such actual or expected event by any government, power, authority, forces or agents described in Paragraphs (2)(a) through (2)(c) above. f. Water (1) Flood, surface water, waves (including tidal waves and tsunami), tides, tidal water, overflow of streams or any other natural or man-made bodies of water, or spray from any of these, all whether or not driven by wind (including storm surge); (2) Mudslide or mudflow; (3) Water or sewage that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment; (4) Water under the ground surface pressing on, or flowing or seeping through: (a) Foundations, walls, floors or paved surfaces; (b) Basements, whether paved or not; or (c) Doors, windows or other openings; (5) Waterborne material carried or otherwise moved by any of the water referred to in Paragraphs (1), (3) or (4), or material carried or otherwise moved by mudslide or mudflow. But if any of the above in Paragraphs (1) through (5), results in fire, explosion or sprinkler leakage damage to Covered Property, we will pay for the direct physical loss or direct physical damage caused by that fire, explosion or sprinkler leakage. (6) Water damage caused by or resulting from earthquake or volcanic eruption as described in Exclusion 1.a., Earth Movement. This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (6), is caused by an act of nature or by an artificial, man-made or other cause. g. "Fungi", Wet Rot or Dry Rot Presence, growth, proliferation, spread or any activity of "fungi", wet rot or dry rot. But if "fungi", wet rot or dry rot results in a "specified cause of loss" to Covered Property, we will pay for the loss or damage caused by the "specified cause of loss". This exclusion does not apply when "fungi", wet rot or dry rot results from fire or lightning. h. Virus or Bacteria (1) Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease. (2) With respect to any loss or damage subject to the exclusion in Paragraph (1) above, such exclusion supersedes any exclusion relating to "pollutants and contaminants". i. Ordinance Or Law (1) The enforcement of or compliance with any ordinance or law: (a) Regulating the construction, use or repair of any property; or (b) Requiring the tearing down of any property, including the cost of removing its debris. (2) This exclusion applies whether the loss results from: (a) An ordinance or law that is enforced even if the property has not been damaged; or (b) The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property or removal of its debris, following a physical loss to that property. ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY: © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD j. Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)" (1) Destruction or corruption of "electronic data" caused by virus, malicious code or similar instruction introduced into or enacted on a "computer" system (including "electronic data") or a network to which it is connected, designed to destroy or corrupt "electronic data"; (2) Unauthorized viewing, copying or use of "electronic data" (or any proprietary or confidential information or intellectual property in any form) by any person, even if such activity is characterized as theft; (3) Manipulation of your "computer" system including "electronic data" by any person(s), for the purpose of diverting or destroying "electronic data" or causing fraudulent or illegal transfer of any property; (4) Interruption in normal "computer" function on network service or function due to insufficient capacity to process transactions or to an overload of activity on the system or network; (5) Unexplained or indeterminable failure, malfunction or slowdown of a "computer" system, including "electronic data" or the inability to access or properly manipulate the "electronic data"; (6) Complete or substantial failure, disablement or shutdown of the internet, regardless of cause; (7) The inability of a "computer" system to correctly recognize, process, distinguish, interpret or accept one or more dates or times. But if direct physical loss or direct physical damage occurs to Covered Property from a resulting Covered Cause of Loss, we will pay for that resulting direct physical loss or direct physical damage. Mere loss of use or loss of functionality of any property is not considered physical loss or physical damage 2. We will not pay for loss or damage caused by or resulting from: a. Electrical Apparatus (1) Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (a) Electrical or electronic wire, device, appliance, system or network; or (b) Device, appliance, system or network utilizing cellular or satellite technology. (2) For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes but is not limited to: (a) Electrical current, including arcing; (b) Electrical charge produced or conducted by a magnetic or electromagnetic field; (c) Pulse of electromagnetic energy; or (d) Electromagnetic waves or microwaves. But if fire damage to Covered Property results, we will pay for the direct physical loss or direct physical damage caused by fire. (3) We will pay for loss or damage to "computer(s)" due to artificially generated electrical, magnetic or electromagnetic energy if such loss or damage is caused by or results from: (a) An occurrence that took place within 1,000 feet of the "scheduled premises"; or (b) Interruption of electric power supply, power surge, blackout or brownout if the cause of such occurrence took place within 1,000 feet of the "scheduled premises". b. Consequential Losses Delay, loss of use or loss of market. c. Smoke, Vapor, Gas Smoke, vapor or gas from agricultural smudging or industrial operations. d. Steam Apparatus Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control. But if explosion of steam boilers, steam pipes, steam engines or steam turbines results in fire or combustion explosion damage to Covered Property, we will pay for the direct physical loss or direct physical damage caused by that fire or combustion explosion. We will also pay for direct physical loss or direct physical damage to Covered Property caused by or resulting from the, explosion of gases or fuel Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with it., cF Risk Manage meet Division Jy/ 1'x REVIEWED & APPROVED BY.- V"° --� Risk janagement Analyst THE HARTFORD within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. e. Other Types of Loss (1) Wear and tear; (2) Rust, corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents, mold, spore or other animals; (6) Mechanical breakdown, including rupture or bursting caused by centrifugal force. This exclusion does not apply with respect to the breakdown of "computer(s)"; (7) The following causes of loss to personal property: (a) Dampness or dryness of atmosphere; (b) Changes in or extremes of temperature; or (c) Marring or scratching. But if direct physical loss or direct physical damage to Covered Property by a "specified cause of loss" or building glass breakage results, we will pay for that resulting direct physical loss or direct physical damage. f. Frozen Plumbing Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing, unless: (1) You use all reasonable means to maintain heat in the building or structure; or (2) You drain the equipment and shut off the supply if the heat is not maintained. g. Dishonesty Dishonest or criminal act (including theft) by you, anyone else with an interest in the property, any of your or their partners, "members", officers, "managers", "employees", directors, trustees, authorized representatives or anyone to whom you entrust the property for any purpose whether acting alone or in collusion with any other party. This exclusion: (1) Applies whether or not an act occurs during your normal hours of "operation"; (2) Does not apply to acts of destruction by your "employees" or authorized representatives; but theft by your "employees" or authorized representatives is not covered. With respect to accounts receivable and "valuable papers and records", this exclusion does not apply to carriers for hire. h. False Pretense Voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device or false pretense. i. Exposed Property Rain, snow, ice or sleet to personal property in the open. j. Collapse (1) Collapse, including any of the following conditions of property or any part of the property: (a) An abrupt falling down or caving in; (b) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or (c) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or relates to Paragraph (1)(a) or (1)(b) above. RA g tDMs� Form SP 00 00 10 18 J_% w F,oq REVIEWED & APPROVED BY.- © 2018, The Hartford �� 0 V (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD But if collapse results in direct physical loss or direct physical damage to Covered Property caused by a Covered Cause of Loss at the "scheduled premises", we will pay for the direct physical loss or direct physical damage caused by that Covered Cause of Loss. (2) This exclusion does not apply to collapse caused by one or more of the following: (a) A "specified cause of loss"; (b) Breakage of building glass; (c) Weight of rain that collects on a roof; or (d) Weight of people or personal property. k. Pathogenic or Poisonous Biological or Chemical Materials The deliberate or intentional dispersal or application of any pathogenic or poisonous biological or chemical materials. But if direct physical loss or direct physical damage to Covered Property by fire results, we will pay for the resulting direct physical loss or direct physical damage caused by that fire. I. Pollution We will not pay for loss or damage caused by or resulting from the discharge, dispersal, seepage, migration, release or escape of "pollutants and contaminants" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any "specified cause of loss." But if the discharge, dispersal, seepage, migration, release or escape of "pollutants and contaminants" results in damage to Covered Property caused by a "specified cause of loss", we will pay for the physical loss or physical damage caused by that "specified cause of loss." m. Neglect Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. n. Errors, Omissions, or Deficiency in Design Errors, omissions, or deficiency in design in: (1) Programming, processing or storing data, as described under "electronic data" or in any "computer" operations; or (2) Processing or copying "valuable papers and records". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by resulting fire, explosion or sprinkler leakage. o. Electrical Disturbance Electrical or magnetic injury, disturbance or erasure of "electronic data". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by lightning. p. Installation, Testing, Repair Errors, omissions, or deficiency in design, installation, testing, maintenance, modification or repair of your "computer" system including "electronic data". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by resulting fire, explosion, or sprinkler leakage. q. Continuous Or Repeated Seepage Or Leakage Of Water Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more. 3. We will not pay for loss or damage caused by or resulting from any of the following. But if direct physical loss or direct physical damage to Covered Property by a Covered Cause of Loss results, we will pay for that resulting direct physical loss or direct physical damage. ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY: © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD a. Weather Conditions Weather conditions. This exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Paragraph B.1. above to produce the physical loss or physical damage. b. Acts or Decisions Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body. c. Negligent Work Faulty, inadequate or defective: (1) Planning, zoning, development, surveying, siting; (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, construction, renovation or remodeling; or (4) Maintenance of part or all of any property on or off the "scheduled premises". 4. Loss Or Damage To Products We will not pay for loss or damage to any merchandise, goods or other product caused by or resulting from error or omission by any person or entity (including those having possession under an arrangement where work or a portion of the work is outsourced) in any stage of the development, production or use of the product, including planning, testing, processing, packaging, installation, maintenance or repair. This exclusion applies to any effect that compromises the form, substance or quality of the product. But if such error or omission results in direct physical loss or direct physical damage to Covered Property by a Covered Cause of Loss, we will pay for the direct physical loss or direct physical damage caused by that Covered Cause of Loss. 5. Testing of Certain Types of Property We will not pay for loss or damage caused by or resulting from any of the following tests: (a) A hydrostatic, pneumatic or gas pressure test of any boiler or pressure vessel; or (b) An insulation breakdown test of any type of electrical equipment. But if direct physical loss or direct physical damage to Covered Property by a "specified cause of loss" results, we will pay for the resulting direct physical loss or direct physical damage caused by that "specified cause of loss." C. LIMITS OF INSURANCE 1. The most we will pay for loss or damage in any one occurrence is the applicable Limit of Insurance shown in the Declarations. 2. Building Limit -Automatic Increase a. If covered loss or damage to Building property at a "scheduled premises" exceeds the Limit of Insurance stated in the Declarations, the Limit of Insurance available for the covered loss or damage to Building property in that occurrence will automatically increase by up to 8%. b. The amount of increase will be: (1) The Limit of Insurance for Buildings that applied on the most recent of the: (a) Coverage Part inception date (b) Coverage Part anniversary date; or (c) The date of any other Coverage Part change amending the Building Limit, multiplied by (2) The 8% annualized percentage of Automatic Increase, expressed as a decimal (.08), multiplied by (3) The number of days since the beginning of the current policy period or the effective date of the most recent Coverage Part change amending the Limit of Insurance for Buildings, divided by 365. ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY: © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD Example: The applicable Limit of Insurance for Buildings is $100,000. The Automatic Increase percentage is 8%. The number of days since the beginning of the policy period (or last Coverage Part change) is 146. The amount of the increase is: ($100,000 x .08 x 146) divided by 365 = $3,200 3. Business Personal Property Limit - Seasonal Increase a. If covered loss or damage to Business Personal Property exceeds the Limit of Insurance stated in the Declarations, the Limit of Insurance for Business Personal Property will automatically increase by the percentage shown in the Declarations to provide for seasonal variations. b. This increase will apply only if all Limits of Insurance shown in the Declarations for Business Personal Property at the "scheduled premises" is at least 100% of your average monthly values during the lesser of: (1) The 12 months immediately preceding the date the physical loss or physical damage occurs; or (2) The period of time you have been in business as of the date the physical loss or physical damage occurs. D. DEDUCTIBLES 1. We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the Coverage Part Deductible shown in the Declarations. We will then pay the amount of loss or damage in excess of the Coverage Part Deductible up to the applicable Limit of Insurance. 2. Unless a separate Deductible is indicated, the Deductible applicable to the Additional Coverages and Coverage Extensions is the Coverage Part Deductible. 3. Each Deductible applicable to this Coverage Part shall be applied separately but only to the coverage specified, and the total Deductible for all losses in any one occurrence shall be the highest Deductible amount that applies to the occurrence. E. PROPERTY LOSS CONDITIONS 1. Abandonment There can be no abandonment of any property to us. 2. Appraisal If we and you disagree on the amount of loss, either may make written demand for an appraisal of the loss. In that event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If the appraisers cannot agree on an umpire, we or you, after providing notice to the other party, may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3. Duties In The Event Of Loss Or Damage a. You must see that the following are done in the event of loss of or damage to Covered Property: (1) Notify the police if a law may have been broken. (2) Give us prompt notice of the loss or damage. Include a description of the property involved. (3) As soon as possible, give us description of how, when and where the loss or damage occurred. (4) Take all reasonable steps to protect the Covered Property from further damage. If feasible, set the damaged property aside in the best possible order for examination. Also, keep a record of your expenses for emergency and temporary repairs, for consideration in the settlement of the claim. This will not increase the Limits of Insurance. w RAMwagementDMsian Form SP 00 00 10 18 �_% Nq REVIEWED & APPROVED BY: © 2018, The Hartford .. v (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. (5) At our request, give us complete inventories of the damaged and undamaged property. Include quantities, costs, values and amount of loss claimed. (6) As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records. Also permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. (7) Send us a signed, sworn statement of loss containing the information we request to investigate the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. (8) Cooperate with us in the investigation or settlement of the claim. (9) Resume part or all of your "operations" as quickly as possible. b. We may examine any insured under oath, while not in the presence of any other insured or "employee", at such times as may be reasonably required about any matter relating to this insurance or your claim, including an insured's books and records. At our option and expense, any examination under oath may be video or audio taped as well as being recorded by stenographic record. If a written transcript is prepared of the testimony, then at our request, your answers under oath must be signed under penalty of perjury. 4. Legal Action Against Us No one may bring a legal action against us under this insurance unless: a. There has been full compliance with all of the terms of this insurance; and b. The action is brought within 2 years after the date on which the direct physical loss or direct physical damage occurred. 5. Loss Payment In the event of loss or damage covered by this Coverage Part: a. At our option we will either: (1) Pay the value of lost or damaged property; (2) Pay the cost of repairing or replacing the lost or damaged property; (3) Take all or any part of the property at an agreed or appraised value; or (4) Repair, rebuild or replace the property with other property of like kind and quality. b. We will give notice of our intentions within 30 days after we receive the sworn statement of loss. c. We will not pay you more than your financial interest in the Covered Property. d. We will determine the value of Covered Property as follows: (1) At replacement cost (without deduction for depreciation), except as provided in (2) through (10) below. (a) You may make a claim for loss or damage covered by this insurance on an actual cash value basis instead of on a replacement cost basis. In the event you elect to have loss or damage settled on an actual cash value basis, you may still make a claim on a replacement cost basis if you notify us of your intent to do so within 180 days after the physical loss or physical damage. (b) We will not pay on a replacement cost basis for any loss or damage: (i) Until the lost or damaged property is actually repaired or replaced; and (ii) Unless the repairs or replacement are made as soon as reasonably possible after the loss or physical damage. However, if the cost to repair or replace the damaged property is $2,500 or less, we will settle the loss according to the provisions of Paragraph d.(1)(a) above whether or not the actual repair or replacement is complete. (c) We will not pay more for loss or damage on a replacement cost basis than the least of: ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY.- © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD (i) The cost to replace, on the same premises, the lost or damaged property with other property of comparable material and quality and which is used for the same purpose; or (ii) The amount you actually spend that is necessary to repair or replace the lost or damaged property. (2) If the Actual Cash Value - Buildings option applies, as shown in the Declarations, Paragraph (1) above does not apply to Buildings. Instead, we will determine the value of Buildings at actual cash value. (3) The following property at actual cash value: (a) Manuscripts; (b) Works of art, antiques or rare articles, including etchings, pictures, statuary, objects of marble, bronzes, porcelains and bric-a-brac; (c) Household contents, except personal property in apartments or rooms furnished by you as landlord; (d) Used or secondhand merchandise held in storage or for sale; and (e) Property of others. However, if an item(s) of personal property of others is subject to a written contract which governs your liability for loss or damage to that item(s), then valuation of that item(s) will be based on the amount for which you are liable under such contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance. (4) Glass at the cost of replacement with safety glazing material if required by law. (5) "Tenant improvements and betterments" at: (a) Replacement cost if you make repairs promptly. (b) A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows: (i) Multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and (ii) Divide the amount determined in (i) above by the number of days from the installation of improvements to the expiration of the lease. Example: The original cost of the "tenant improvements and betterments" was $100,000. The number of days between the date the damage occurred and the expiration of the lease is 200. The number of days between the installation of the "tenant improvements and betterments" and the expiration of the lease is 500. The proportionate value is: ($100,000 x 200) divided by 500 = $40,000 If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure. (c) Nothing, if others pay for repairs or replacement. (6) "Valuable papers and records", at your incurred cost of: (a) Blank materials for reproducing the records (including blank prepackaged programs when replaced); and (b) Labor to transcribe or copy the records and to research, replace or restore the lost information, including research and development documentation. To the extent "valuable papers and records" are not replaced or restored, the loss will be valued at the cost of replacement of the media on which the "valuable papers and records" were stored, with blank media of substantially identical type. (7) "Money" and "securities": (a) "Money" at its face value; and (b) "Securities" at their value at the close of business on the day the loss is di- e cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY: © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD (8) The value of United States Government Internal Revenue taxes and custom duties and refundable state and local taxes paid or fully determined on the following property held for sale will not be considered in determining the value of Covered Property: (a) Distilled spirits; (b) Wines; (c) Rectified products; or (d) Beer. (9) "Stock" you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had. (10)Applicable to accounts receivable: (a) If you cannot accurately establish the amount of the accounts receivable outstanding as of the time of physical loss or physical damage the following method will be used: (i) Determine the total of the average monthly value of accounts receivable for 12 months immediately preceding the month in which the direct physical loss or physical damage occurred; and (ii) Adjust the total determined in paragraph (i) above for any normal fluctuations in the value of accounts receivable for the month in which the direct physical loss or physical damage occurred for any demonstrated variance from the average of that month. (b) The following will be deducted from the total value of accounts receivable, however that value is established: (i) The value of the accounts for which there is no physical loss or physical damage; (ii) The value of the accounts that you are able to re-establish or collect; (iii) A value to allow for probable bad debts that you are normally unable to collect; and (iv) All unearned interest and services charged. e. Our payment for physical loss of or physical damage to personal property of others will only be for the account of the owners of the property. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payment will satisfy your claims against us for the owners' property. We will not pay the owners more than their financial interest in the Covered Property. f. We may elect to defend you against "suits" arising from claims of owners of property. We will do this at our expense. g. We will pay for covered loss or damage within 30 days after we receive the sworn statement of loss, if you have complied with all the terms of this Policy, and: (1) We have reached agreement with you on the amount of loss, or (2) An appraisal award has been made. h. A party wall is a wall that separates and is common to adjoining buildings that are owned by different parties. In settling covered losses involving a party wall, we will pay a proportion of the loss to the party wall based on your interest in the wall in proportion to the interest of the owner of the adjoining building. However, if you elect to repair or replace your building and the owner of the adjoining building elects not to repair or replace that building, we will pay you the full value of the loss to the party wall, subject to all applicable Policy provisions including Limits of Insurance and all other provisions of this Loss Payment Condition. Our payment under the provisions of this paragraph does not alter any right of subrogation we may have against any entity, including the owner or insurer of the adjoining building, and does not alter the terms of Paragraph F.6., Transfer Of Rights of Recovery Against Others To Us. 6. Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManVmad DMsian ke/ 1'x REVIEWED & APPROVED BY.- V"° --� Risk janagement Analyst THE HARTFORD We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limits of Insurance. 7. Salvage In the event we pay to replace Covered Property or any component thereof, we retain our right to salvage such property. 8. Vacancy a. Description of Terms (1) As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in Paragraphs (a) and (b) below: (a) When this Coverage Part is issued to a tenant, and with respect to that tenant's interest in Covered Property, building means the unit or suite rented or leased to the tenant. Such building is vacant when it does not contain enough Business Personal Property to conduct customary operations. (b) When this Coverage Part is issued to the owner or general lessee of a building, building means the entire building. Such building is vacant unless at least 31 % of its total square footage is: (i) Rented to a lessee or sub -lessee and used by the lessee or sub -lessee to conduct its customary operations; and/or (ii) Used by the building owner to conduct customary operations. (2) Buildings under construction or renovation are not considered vacant. b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you had protected the system against freezing; (c) Building glass breakage; (d) Water; (e) Theft; or (f) Attempted theft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the physical loss or physical damage by 15%. F. PROPERTY GENERAL CONDITIONS 1. Control of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Form at one or more locations will not affect coverage at any location where, at the time of loss or damage, the breach of condition does not exist. 2. Mortgageholders a. The term mortgageholder includes trustee. b. We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear. c. The mortgageholder has the right to receive loss payment even if the mortgageholder has started foreclosure or similar action on the building or structure. d. If we deny your claim because of your acts or because you have failed to comply with the terms of this Policy, the mortgageholder will still have the right to receive loss payment if the mortgageholder: (1) Pays any premium due under this Policy at our request if you have failed to d ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY.- © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD (2) Submits a signed, sworn statement of loss within 60 days after receiving notice from us of your failure to do so; and (3) Has notified us of any change in ownership, occupancy or substantial change in risk known to the mortgageholder. All of the terms of this Policy will then apply directly to the mortgageholder. e. If we pay the mortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Policy: (1) The mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount we pay; and (2) The mortgageholder's rights to recover the full amount of the mortgageholder's claim will not be impaired. At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued interest. In this event, your mortgage and note will be transferred to us and you will pay your remaining mortgage debt to us. f. If we cancel this Policy, we will give written notice to the mortgageholder at least: (1) 10 days before the effective date of cancellation if we cancel for your nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. g. If we elect not to renew this Policy, we will give written notice to the mortgageholder at least 10 days before the expiration date of this Policy. 3. No Benefit to Bailee No person or organization, other than you, having custody of Covered Property will benefit from this insurance. 4. Other Insurance If there is other insurance covering the same loss or damage, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. 5. Policy Period, Coverage Territory a. We cover loss or damage commencing: (1) During the policy period shown in the Declarations; and (2) Within the coverage territory or, with respect to property in transit, while it is between points in the coverage territory. b. The coverage territory is: (1) The United States of America (including its territories and possessions); (2) Puerto Rico; and (3) Canada. 6. Transfer Of Rights of Recovery Against Others To Us a. If any person or organization to or for whom we make payment under this Policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: (1) Prior to a loss to your Covered Property; or (2) After a loss to your Covered Property only if, at time of loss, that party is one of the following: (a) Someone insured by this insurance; (b) A business firm: (i) Owned or controlled by you; or (ii) That owns or controls you; or (c) Your tenant. You may also accept the usual bills of lading or shipping receipts limiting the Iiabili Iwo .. RAMwagzmen DMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY: © 2018, The Hartford i (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD This will not restrict your insurance. b. Any recovery from subrogation proceedings, less costs incurred by us in such proceedings, will be payable to you in the proportion that the amount of: (1) Any applicable deductible; and/or (2) Any provable uninsured loss, bears to the entire provable loss amount. G. PROPERTY DEFINITIONS 1. "Communication supply services" means property, including overhead transmission lines, supplying communication services, including telephone, radio, microwave or television services, to the "scheduled premises", such as: a. Communication transmission lines, including optic fiber transmission lines; b. Coaxial cables; and c. Microwave radio relays except satellites. 2. "Computer" means: a. Programmable electronic equipment that is used to store, retrieve and process data; and b. Associated peripheral equipment that provides communication, including input and output functions such as printing and auxiliary functions such as data transmission. "Computer" includes those used to operate production -type machinery or equipment. 3. "Electronic data" means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of electronic data, means a set of related electronic instructions which direct the operations and functions of a "computer" or device connected to it, which enable the "computer" or device to receive, process, store, retrieve or send data. "Electronic data" it is not considered physical property under this Coverage Part and is covered only as expressly provided for in this Coverage Part. Any such coverage does not indicate that "electronic data" is considered to be tangible property subject to physical loss or physical damage for purposes of any business interruption coverage or other coverage that requires physical loss or physical damage. 4. "Employee" a. Means: (1) Any natural person: (a) While in your service (and for 60 days after termination of service); and (b) Whom you compensate directly by salary, wages or commissions; and (c) Whom you have the right to direct and control while performing services for you; (2) Any natural person employed by an employment contractor while that person is subject to your direction and control and performing services for you excluding, however, any such person while having care and custody of property outside the premises; (3) Any natural person who is your partner or member of a limited liability corporation; (4) Any natural person, whether or not compensated, while performing services for you as the chairman or a member of any committee; (5) Any natural person who is a non -compensated officer; (6) Any natural person who is a director or trustee while acting as a member of any of your elected or appointed committees or while acting within the scope of the usual duties of an "employee"; (7) Any natural person who is a non -compensated volunteer, while performing SE to the duties of an "employee"; Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 'I VII:cJ IVI VVU llldl dIC UJUdl cF RAMwagmentDMsian Jy/ 1'x REVIEWED & APPROVED BY.- V"° --� Risk janagement Analyst THE HARTFORD (8) Any natural person who is a former employee, director, partner, member, representative or trustee retained as a consultant while performing services for you; (9) Any natural person who is a student intern who is pursuing studies or acting within the scope of the usual duties of an "employee"; (10)Any natural person, who is a student enrolled in your facility, while handling or has possession of property or funds in connection with sanctioned student activities; and (11)The spouses of and children over 18 years old who reside with any "employee" who is a building manager, superintendent or janitor. Each family is deemed to be, collectively, one "employee" for the purposes of this insurance, except that any Termination Condition applies individually to the spouse and children. b. "Employee" does not mean: (1) An agent, broker, factor, commission merchant, consignee, independent contractor or representative of the same general character; or (2) Any manager, director, partner, member or trustee, except while acting within the scope of the usual duties of an "employee". 5. "Fungi" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by- products produced or released by fungi. 6. "Manager" means a person serving in a directorial capacity for a limited liability company. 7. "Member" means an owner of a limited liability company represented by its membership interest, who also may serve as a "manager". 8. "Money" means: a. Currency, coins and bank notes in current use; and b. Travelers checks, registered checks and money orders held for sale to the public. 9. "Operations" means your business activities occurring at the "scheduled premises" and tenantability of the "scheduled premises". 10. "Period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from any Covered Cause of Loss at the "scheduled premises"; and (2) Ends on the earlier of: (a) The date when the property at the "scheduled premises" should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) The date when your business is resumed at a new, permanent location; or (c) Exhaustion of the number of consecutive months as shown on the Declarations. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "period of restoration". 11. "Pollutants and contaminants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, or any other materi to cause physical loss, physical damage, impurity to property, unwholesomen Iwo .. RAMwagzmen DMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY.- © 2018, The Hartford i (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD marketability, loss of use of property, or which threatens human health or welfare. Waste includes materials to be recycled, reconditioned or reclaimed. 12. "Power supply services" means the following types of property supplying electricity, steam or gas, including overhead transmission lines to the "scheduled premises": a. Utility generating plants; b. Switching stations; c. Substations; d. Transformers; and e. Transmission Lines. 13. "Scheduled premises" means any premises listed by location address in the Coverage Part Declarations. 14. "Securities" means negotiable and nonnegotiable instruments or contracts representing either "money" or other property and includes: a. Tokens, tickets, revenue and other stamps (whether represented by actual stamps or unused value in meter) in current use; and b. Evidences of debt issued in connection with credit or charge cards, which cards are not issued by you; but does not include "money." Lottery tickets held for sale and postage stamps in current use and having face value are not "securities". 15. "Specified cause of loss" means the following: Fire; lightning; explosion, windstorm or hail; smoke; aircraft or vehicles; riot or civil commotion; vandalism; leakage from fire extinguishing equipment; sinkhole collapse; volcanic action; falling objects; weight of snow, ice or sleet; water damage. a. Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite. This cause of loss does not include: (1) The cost of filling sinkholes; or (2) Sinking or collapse of land into man-made underground cavities. b. Falling objects does not include loss of or damage to: (1) Personal property in the open; or (2) The interior of a building or structure, or property inside a building or structure, unless the roof or an outside wall of the building or structure is first damaged by a falling object. c. Water damage means (1) Accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking of any part of a system or appliance (other than a sump system including its related equipment and parts) containing water or steam; and (2) Accidental discharge or leakage of water or waterborne material as the direct result of the breaking apart or cracking of a water or sewer pipe that is located off the "scheduled premises" and is part of a municipal potable water supply system or municipal sanitary sewer system, if the breakage or cracking is caused by wear and tear. But water damage does not include loss or damage otherwise excluded under Exclusion B.1.f., Water. Therefore, for example, there is no coverage in the situation in which discharge or leakage of water results from the breaking apart or cracking of a pipe which was caused by or related to weather -induced flooding, even if wear and tear contributed to the breakage or cracking. As another example, and also in accordance Exclusion B.1.f., Water, there is no coverage for loss or damage caused by or related to weather -induced flooding which follows or is exacerbated by pipe breakage or cracking attributable to wear and tear. However, to the extent that accidental discharge or leakage of water falls within the criteria set forth in Paragraphs c.(1) or c.(2) of this definition of "specified causes of loss", such water is not subject to the provisions of Exclusion B.1.f., Water which preclude coverage for surface water or water under the ground surface. ew cF RAMwagzmedDMsian Form SP 00 00 10 18 / ``x ► E�AEW=D & APPROVED sr: © 2018, The Hartford .. v (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THE HARTFORD 16. "Stock" means merchandise held in storage or for sale, raw materials and in -process or finished goods, including supplies used in their packing or shipping. 17. "Suit" means a civil proceeding and includes: a. An arbitration proceeding in which damages are claimed and to which you must submit or do submit with our consent; or b. Any other alternative dispute resolution proceeding in which damages are claimed and to which you submit with our consent. 18. "Tenant improvements and betterments" means fixtures, alterations, installations or additions: a. Made a part of the building or structure you occupy but do not own; and b. You acquired or made at your expense but cannot legally remove. 19. "Unmanned aircraft" means an aircraft that is not: a. Designed; b. Manufactured; or c. Modified after manufacture to be controlled directly by a person from within or on the aircraft and which is owned by you or owned by others but in your care, custody, or control. "Unmanned aircraft" includes equipment designed for and used exclusively with the "unmanned aircraft", provided such equipment is essential for operation of the "unmanned aircraft" or for executing "unmanned aircraft operations". 20. "Unmanned aircraft operations" means your business activities in support of the specific operations listed in the Description of Business section of the Declarations. 21. "Valuable papers and records" means inscribed, printed or written: a. Documents; b. Manuscripts; or c. Records including abstracts, books, deeds, drawings, films, maps or mortgages. But "valuable papers and records" does not mean "money", "securities" or "electronic data" or the materials on which the "electronic data" is recorded. 22. "Wastewater removal services" means a utility system for removing wastewater and sewage from the "scheduled premises", other than a system designed primarily for draining storm water. The utility property includes sewer mains, pumping stations and similar equipment for moving the effluent to a holding, treatment or disposal facility, and includes such facilities. 23. "Water supply services" means the following types of property supplying water to the "scheduled premises": a. Pumping stations; and b. Water mains. ew cF RAMwagmedDMsian Form SP 00 00 10 18 J_/ ``x REVIEWED & APPROVED BY.- © 2018, The Hartford ��' ., V (May include copyrighted material of Insurance Services Office, Inc., with itsr RiskPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SOUTH CAROLINA CHANGES - SPECIAL PROPERTY COVERAGE FORM This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section E. PROPERTY LOSS CONDITIONS: 1. Paragraph 4.b. is deleted and replaced by the following: b. The action is brought within 3 years after the date on which the direct physical loss or direct physical damage occurred. 2. The following provision is added to Paragraph 5., Loss Payment and supersedes any provisions to the contrary: Provision Applicable to South Carolina Policies For loss or damage to Buildings caused by or resulting from fire or lightning, you and we agree that: (1) The value of Buildings described in this Policy; and (2) The total amount of insurance to be carried on the Buildings, including this Coverage Part; are the amounts shown in the Declarations. eGF �D Form SP 01 39 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE - SOUTH CAROLINA This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR NAMED STORM OR WIND/HAIL LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. THE ENCLOSED EXAMPLE ILLUSTRATES HOW THE DEDUCTIBLE MIGHT AFFECT YOU. Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. If loss or damage to Covered Property is caused by or results from windstorm, the following exclusion is added to Section B., EXCLUSIONS, but only with respect to the "scheduled premises" where Windstorm or Hail Percentage Deductible — South Carolina is shown in the Declarations: Windstorm Exterior Paint and Waterproofing Exclusion a. We will not pay for loss or damage to: (1) Paint; or (2) Waterproofing material; applied to the exterior of Buildings. b. We will not include the value of paint or waterproofing material to determine: (1) The amount of the Deductible; or (2) The value of Covered Property. B. The following is added to Section D., DEDUCTIBLES, but only with respect to the "scheduled premises" where Windstorm or Hail Percentage Deductible — South Carolina is shown in the Declarations: Windstorm or Hail Percentage Deductible — South Carolina a. If loss or damage is caused directly or indirectly by a windstorm or hail event, the Windstorm or Hail Percentage Deductible replaces and supersedes any and all deductibles provided in Paragraph 1. of Section D., DEDUCTIBLES but only with respect to Covered Property located at the "scheduled premises". The Windstorm or Hail Percentage Deductible does not apply to any Additional Coverage or Coverage Extension other than the Newly Acquired or Constructed Property Coverage Extension. Except as set forth in Paragraph d. below, if more than one Deductible applies to a single occurrence of windstorm or hail, the total Deductible for all losses in any one occurrence shall be the highest Deductible amount that applies to the occurrence. b. We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the Windstorm or Hail Percentage Deductible as shown in the Declarations. We will then pay the amount of loss or damage in excess of the Windstorm or Hail Percentage Deductible up to the applicable Limit of Insurance shown in the Declarations. c. In determining the amount, if any, that we will pay for loss or damage, we will deduct an amount equal to the Windstorm or Hail Percentage Deductible as shown in the Declarations multiplied by the Limit(s) of Insurance applicable to the property that has sustained loss or damage. However, in any one occurrence of windstorm or hail, the total deductible for all covered windstorm or hail losses shall not be less than $500. With respect to Covered Property at the "scheduled premises" identified in the Declarations, no other deductible applies to Windstorm or Hail. d. The Windstorm or Hail Deductible applies separately to: (1) Each Building, if two or more Buildings are covered; eGF �D Form SP 10 06 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) The Building and Business Personal Property, if the Building and its Business Personal Property are both covered; (3) Business Personal Property at each building, if Business Personal Property of two or more Buildings is covered; (4) Business Personal Property in the open. e. Specific Insurance and Blanket Insurance As used in this Windstorm or Hail Percentage Deductible clause, Specific Insurance and Blanket Insurance have the following meaning: (1) Specific Insurance covers each item of insurance (for example, each Building or Business Personal Property in a building) under a separate Limit of Insurance (2) Blanket Insurance covers two or more items of insurance (for example, a Building and Business Personal Property in that building, or two Buildings) under a single Limit of Insurance. Items of insurance and corresponding Limit(s) of Insurance are shown in the Declarations. f. Nothing in this Windstorm or Hail Percentage Deductible clause implies or affords coverage for any loss or damage that is excluded under the terms of Exclusion B.1.f, Water, or any other exclusion in this Coverage Part. g. Specified Insurance and Blanket Insurance As used in this Windstorm or Hail Percentage Deductible clause, Specific Insurance and Blanket Insurance have the following meaning: (1) Specific Insurance, covers: (a) Each individual Building; or (b) Business Personal Property contained in or on each individual Building or in the open (or within a vehicle) within 1000 feet of each individual Building; at the "scheduled premises" and for which a separate Limit of Insurance is shown in the Declarations. (2) Blanket Insurance, covers: (a) Two or more Buildings; or (b) Business Personal Property contained in or on those Buildings or in the open (or within a vehicle) within 1,000 feet of those Buildings at the "scheduled premises" and for which a single Limit of Insurance is shown in the Declarations. h. Calculation of Deductible (1) Specific Insurance In determining the amount, if any, that we will pay for loss or damage to Covered Property that is subject to Specific Insurance, we will deduct an amount equal to the Windstorm or Hail Percentage Deductible as shown in the Declarations, multiplied by the Limit(s) of Insurance applicable to the property that has sustained loss or damage. (2) Blanket Insurance In determining the amount, if any, that we will pay for loss or damage to Covered Property that is subject to Blanket Insurance, we will deduct an amount equal to the Windstorm or Hail Percentage Deductible as shown in the Declarations, multiplied by the value of the property that has sustained loss or damage up to the Blanket Limit of Insurance as shown in the Declarations. The value of the Covered Property will be determined at the time of the loss. (3) Newly Acquired or Constructed Property In determining the amount, if any, that we will pay for loss or damage to Covered Property under the Newly Acquired or Constructed Property Coverage Extension (if such Coverage Extension is attached to this Coverage Part), we will deduct an amount equal to the highest Windstorm or Hail Deductible shown in the Declarations for any "scheduled premises" multiplied by the value of the newly acquired property up to the applicable limit(s) for Newly Acquired or Constructed Property. The ve will be determined at the time of the loss. Form SP 10 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF Risk Manage meet Division Jy/ 1'x REVIEWED & APPROVED BY: 1,,; "° wd --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD i. Application of Deductible (1) Example #1 - Specific Insurance The amount of loss to the damaged Building is $60,000. The actual Limit of Insurance on the damaged Building is $100,000. The Windstorm or Hail Percentage Deductible is 1 %. Step (1): $100,000 X 1 % = $1,000 Step (2): $60,000 - $1,000 = $59,000 The most we will pay is $59,000. That portion of the total loss not covered due to application of the Windstorm or Hail Percentage Deductible is $1,000. (2) Example #2 - Specific Insurance The amounts of loss to the damaged property are: $60,000 (Building), $40,000 (Business Personal Property in the open), and $20,000 (Business Personal Property in the Building). The actual Limits of Insurance on the damaged property are: $100,000 on the Building and $64,000 on the Business Personal Property. The Windstorm or Hail Percentage Deductible is 2%. (a) Building Step (1): $100,000 X 2% = $2,000 Step (2): $60,000 - $2,000 = $58,000 (b) Business Personal Property in the Open Step (1): $64,000 X 2% = $1,280 Step (2): $40,000 - $1,280 = $38,720. (c) Business Personal Property in the Building Step (1): $64,000 X 2% = $1,280 Step (2): $20,000 - $1,280 = $18,720 The most we will pay is $115,440 ($58,000 + $38,720 + $18,720). The portion of the total loss that is not covered due to the application of the Windstorm or Hail Percentage Deductible is $4,560 ($2,000 + $1,280+ $1,280). (3) Example #3 - Specific Insurance The amount of loss to the damaged Building is $60,000. The amount of damage to an "perishable goods" under the Spoilage Coverage Extension is $5,000. The actual Limit of Insurance on the damaged Building is $90,000.The Windstorm or Hail Percentage Deductible is 1 %. The actual Limit of Insurance applicable to the Spoilage Coverage Extension is $10,000.The Deductible applicable to the Spoilage Coverage Extension is $1,000. Calculation of the Windstorm or Hail Percentage Deductible $90,000 X 1 % = $900 The Windstorm or Hail Percentage Deductible is $900. The Deductible applicable to the Spoilage Coverage Extension is $1,000. In accordance with Paragraph 3. of Section D., DEDUCTIBLES, each Deductible applicable to this Coverage Part shall be applied separately but only to the coverage specified, and the total Deductible for all losses in any one occurrence shall be the highest Deductible amount that applies to the occurrence. Therefore, the most we will pay is $64,000 ($60,000 + $5,000 - $1,000). (4) Example #4 - Blanket Insurance Buildings #1, #2, and #3 are shown in the Declarations as included under the Blanket Insurance for Buildings with a Limit of Insurance of $2,000,000. eGF �D Form SP 10 06 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1- ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD The appraised values of buildings at the time of loss are: Building #1 is $500,000; Building #2 is $500,000; and, Building #3 is $1,000,000. Buildings #1 and #2 have sustained damage. The amounts of loss to these buildings are: $40,000 for Building #1 and $20,000 for Building #2. The Windstorm or Hail Percentage Deductible is 2%. (a) Building #1 Step (1): $500,000 X 2% = $10,000 Step (2): $40,000 - $10,000 = $30,000 (b) Building #2 Step (1): $500,000 X 2% = $10,000 Step (2): $20,000 - $10,000 = $10,000 The most we will pay is $40,000 ($30,000 + $10,000). That portion of the total loss not covered due to application of the Windstorm or Hail Percentage Deductible is $20,000 ($10,000 + $10,000). (5) Example #5 — Blanket Insurance Building and Business Personal Property for Building #1 and Building and Business Personal Property for Building #2 are shown in the Declarations as included under the Blanket Insurance for Buildings and Business Personal Property with a Limit of Insurance of $1,500,000. The appraised values of Buildings and Business Personal Property at the time of loss are: Building #1: Building value is $500,000 and Business Personal Property value is $250,000; Building #2: Building value is $500,000 and Business Personal Property value is $250,000. Building #1 and Business Personal Property at Building #1 have sustained damage. The amount of loss to the Building is $95,000 and Business Personal Property is $5,000. The Windstorm or Hail Percentage Deductible is 5%. (a) Building Step (1): $500,000 X 5% = $25,000 Step (2): $95,000 - $25,000 = $70,000 (b) Business Personal Property Step (1): $250,000 X 5% = $12,500 The Business Personal Property loss, $5,000, does not exceed the Windstorm or Hail Percentage Deductible. The most we will pay is $70,000. The remainder of the building loss, $25,000, is not covered due to the application of the Windstorm or Hail Percentage Deductible. There is no loss payment for the Business Personal Property. eGF �D Form SP 10 06 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PERILS SPECIFICALLY EXCEPTED This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. As used herein, peril means a cause of physical loss or damage to property. It has this meaning whether or not it is called a peril or a cause of loss in this Coverage Part. A. The following is added to Section B., EXCLUSIONS: Perils Specifically Excepted Even if any of the terms of this Coverage Part might be construed otherwise, the following perils, as described in Paragraphs a. and b. below, are SPECIFICALLY EXCEPTED FROM THIS COVERAGE PART. WE DO NOT COVER OR INSURE AGAINST LOSS OR DAMAGE DIRECTLY OR INDIRECTLY CAUSED BY, RESULTING FROM, CONTRIBUTED TO OR AGGRAVATED BY, OR WHICH WOULD NOT HAVE OCCURRED BUT FOR, EITHER OF THESE PERILS: a. ACTS, ERRORS OR OMISSIONS (1) Acts, errors or omissions by you or others in: (a) Planning, zoning, developing, surveying, testing or siting property; (b) Establishing or enforcing any building code, or any standard, ordinance or law about the construction, use or repair of any property or materials, or requiring the tearing down of any property, including the removal of its debris; (c) The design, specifications, workmanship, repair, construction, renovation, remodeling, grading or compaction of all or any part of the following: (i) Land or buildings or other structures; (ii) Roads, water or gas mains, sewers, drainage ditches, levees, dams, or other facilities; or (iii) Other improvements or changes in or additions to land or other property. (d) The furnishing of work, materials, parts or equipment in connection with the design, specifications, workmanship, repair, construction, renovation, remodeling, grading or compaction of any of the above property or facilities; or (e) The maintenance of any of such property or facilities. (2) This exception applies whether or not the property or facilities described above are covered: (a) Under this Coverage Part; or (b) On or away from the "scheduled premises". This exception does not reduce the insurance for loss or damage caused directly by a "covered peril'. b. COLLAPSE, "CRACKING' OR "SHIFTING' (1) Collapse, "cracking" or "shifting" of buildings, other structures or facilities, or their parts, if the collapse, "cracking" or "shifting": (a) Occurs during "earth movement," "volcanic eruption" or "flood" conditions or within 72 hours after they cease; and (b) Would not have occurred but for "earth movement," "volcanic eruption" or "flood." (2) If loss or damage by a "covered peril' ensues at the "scheduled premises", we will pay for that ensuing loss or damage. eGF �D Form SP 20 08 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (3) This exception applies whether or not there are other provisions in this Coverage Part relating to collapse, "cracking" or "shifting" of buildings, other structures or facilities, or their parts. Any such provision is revised by this endorsement to include this exception. (4) If this Coverage Part specifically covers (by endorsement or in any other way) loss or damage caused by one or more of the following perils: (a) "Earthquake"; (b) "Flood"; (c) Volcanic action; (d) "Volcanic eruption"; or (e) Sinkhole collapse, this exception will not reduce that coverage. B. Solely for the purposes of this endorsement, the following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Cracking" means cracking, separating, shrinking, bulging, or expanding. 2. The following definition is added: "Shifting" means shifting, rising, settling, sinking, or lateral or other movement. 3. The following definition is added: "Earth movement" means any earth movement, including but not limited to "earthquake," landslide, mudflow, erosion, contraction or expansion, subsidence, any movement of earth resulting from water combining with the ground or soil, and any other "shifting" of earth; all whether or not combined with "flood" or "volcanic eruption." It does not include sinkhole collapse if loss by sinkhole collapse is specifically covered in this Coverage Part. 4. The following definition is added: "Earthquake" means a shaking or trembling of the earth's crust, caused by underground volcanic or tectonic forces or by breaking or "shifting" of rock beneath the surface of the ground from natural causes. An "earthquake" includes all related shocks and aftershocks. 5. The following definition is added: "Volcanic eruption" means the eruption, explosion or effusion of a volcano. It does not include volcanic action if loss by volcanic action is specifically covered in this Coverage Part. 6. The following definition is added: "Flood" means: a. Flood, surface water, waves (including tidal waves and tsunami), tides, tidal water, high water, and overflow of streams or any other natural or man-made bodies of water, or spray from any of these, all whether driven by wind or not (including storm surge); b. Release of water held by a dam, levy or dike or by a water or flood control device; c. Water that backs up from a sewer or drain; or d. Water under the ground surface pressing on, or flowing, leaking or seeping through: (1) Foundations, walls, floors or paved surfaces; (2) Basements, whether paved or not; or (3) Doors, windows or other openings. 7. The following definition is added: "Covered peril" means a. When this Coverage Part grants coverage based on the risk of loss from a "specified cause of loss", "covered peril" means any peril specifically named as a "specified cause of loss"; or eGF �D Form SP 20 08 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD b. When this Coverage Part grants coverage based on the risk of loss without specifying a "specified cause of loss", "covered peril' means any peril not described above and not otherwise excluded or excepted from a "specified cause of loss" covered by this Coverage Part. eGF �D Form SP 20 08 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLLAPSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Collapse The coverage provided under this Additional Coverage applies only to an abrupt collapse as described and limited in Paragraphs (1) through (6) below. (1) For the purpose of this Additional Coverage, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose. (2) We will pay for direct physical loss or direct physical damage to Covered Property, caused by abrupt collapse of a building or any part of a building that is insured under this Coverage Part or that contains Covered Property insured under this Coverage Part, if such collapse is caused by one or more of the following: (a) Building decay that is hidden from view, unless the presence of such decay is known to an insured prior to collapse; (b) Insect or vermin damage that is hidden from view, unless the presence of such damage is known to an insured prior to collapse; (c) Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs during the course of the construction, remodeling or renovation; (d) Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs after the construction, remodeling or renovation is complete, but only if the collapse is caused in part by: (i) A cause of loss listed in Paragraphs (2)(a) or (2)(b) above; (ii) One or more of the "specified causes of loss"; (iii) Breakage of building glass; (iv) Weight of people or personal property; or (v) Weight of rain that collects on a roof. (3) This Additional Coverage does not apply to: (a) A building or any part of a building that is in danger of falling down or caving in; (b) A part of a building that is standing, even if it has separated from another part of the building; or (c) A building that is standing or any part of a building that is standing, even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. (4) With respect to the following property: (a) Awnings; (b) Gutters and downspouts; (c) Yard fixtures; (d) Outdoor swimming pools; (e) Piers, wharves and docks; (f) Beach or diving platforms or appurtenances; (g) Retaining walls; and (h) Walks, roadways, and other paved surfaces; RAMwagementDMsian Form SP 30 00 10 18 % � _; �� ► E�AEWED & APPROVED BY.- © 2018, The Hartford ; (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD if an abrupt collapse is caused by a cause of loss listed in Paragraphs (2)(a) through (2)(d) above, we will pay for loss or damage to that property only if such loss or damage is a direct result of the abrupt collapse of a building insured under this Coverage Part and the property is Covered Property under this Coverage Part. (5) If personal property abruptly falls down or caves in and such collapse is not the result of an abrupt collapse of a building, we will pay for loss or damage to Covered Property caused by such collapse of personal property only if: (a) The collapse of personal property was caused by a cause of loss listed in Paragraphs (2)(a) through (2)(d) of this Additional Coverage; (b) The personal property which collapses is inside a building; and (c) The property which collapses is not of a kind listed in Paragraph (4) above, regardless of whether that kind of property is considered to be personal property or real property. The coverage stated in this Paragraph (5) does not apply to personal property if marring and/or scratching is the only damage to that personal property caused by the collapse. Collapse of personal property does not mean cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. (6) Paragraph 2.j., Collapse, of Section B., EXCLUSIONS, does not apply to this Additional Coverage. (7) This Additional Coverage does not apply to personal property that has not abruptly fallen down or caved in, even if the personal property shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. eGF �D Form SP 30 00 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD DEBRIS REMOVAL This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Debris Removal (1) Subject to Paragraphs (2), (3) and (4) below, we will pay your expense to remove debris of Covered Property and other debris that is on the "scheduled premises" when such debris is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or direct physical damage. (2) Debris Removal does not apply to costs to: (a) Remove debris of property of yours that is not insured under this Coverage Part, or property in your possession that is not Covered Property; (b) Remove debris of property owned by or leased to the landlord of the building where your described premises are located, unless you have a contractual responsibility to insure such property and it is insured under this Coverage Part; (c) Remove any property listed under Paragraph A.2. Property Not Covered except as otherwise provided for in this Coverage Part; (d) Remove property of others of a type that would not be Covered Property under this Coverage Part; (e) Remove deposits of mud or earth from the grounds of the "scheduled premises"; (f) Extract "pollutants and contaminants" from land or water; or (g) Remove, restore or replace polluted land or water. (3) Subject to the exceptions in Paragraph (4) below, the following provisions apply: (a) The most we will pay for the total of direct physical loss or direct physical damage plus debris removal expense is the Limit of Insurance applicable to the Covered Property that has sustained loss or damage. (b) Subject to Paragraph (3)(a) above, the amount we will pay for debris removal expense is limited to 25% of the sum of the Deductible plus the amount that we pay for direct physical loss or direct physical damage to the Covered Property that has sustained loss or damage. However, if no Covered Property has sustained direct physical loss or direct physical damage, the most we will pay for removal of other debris that is on the "scheduled premises" when such debris is caused by or results from a Covered Cause of Loss (if such removal is covered under this Additional Coverage) is $5,000 at each location. (4) We will pay up to the Limit of Insurance listed under Debris Removal — Additional Limit in the Declarations for debris removal expense for each location, in any one occurrence of physical loss or physical damage to Covered Property, if one or both of the following circumstances apply: (a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or direct physical damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage. (b) The actual debris removal expense exceeds 25% of the sum of the Deductible plus the amount that we pay for direct physical loss or direct physical damage to the Covered Property that has sustained loss or damage. Therefore, if Paragraphs (4)(a) and/or (4)(b) apply, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of Form SP 30 01 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManWmad DMsian ke/ 1'x REVIEWED & APPROVED BY.- 1,,; "° wd --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD Property that has sustained loss or damage, plus the amount listed in the Declarations under Debris Removal — Additional Limit. (5) Examples Example 1 Limit of Insurance Amount of Deductible Amount of Loss Amount of Loss Payable Debris Removal Expense Debris Removal Expense Payable $ 90,000 $ 500 $ 50,000 $ 49,500 ($50,000 — $500) $ 10,000 $ 10,000 ($10,000 is 20% of $50,000) The debris removal expense is less than 25% of the sum of the loss payable plus the Deductible. The sum of the loss payable and the debris removal expense ($49,500 + $10,000 = $59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3). Example 2 Limit of Insurance $ 90,000 Amount of Deductible $ 500 Amount of Loss $ 80,000 Amount of Loss Payable $ 79,500 ($80,000 — $500) Debris Removal Expense $ 40,000 Debris Removal Expense Payable Basic Amount $ 10,500 Additional Limit $ 25,000 The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows: $80,000 ($79,500 + $500) x .25 = $20,000; capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000). The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($40,000) exceeds 25% of the loss payable plus the Deductible ($40,000 is 50% of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 + $40,000 = $119,500) would exceed the Limit of Insurance ($90,000). In this example, the Debris Removal — Additional Limit shown in the Declarations is $25,000. Thus, the total payable for debris removal expense in this example is $35,500; $4,500 of the debris removal expense is not covered. eGF �D Form SP 30 01 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EQUIPMENT BREAKDOWN This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Equipment Breakdown (1) We will pay for direct physical loss or direct physical damage to "equipment breakdown property" caused by or resulting from an "equipment breakdown accident". If an initial "equipment breakdown accident" causes other "equipment breakdown accidents", all will be considered one "equipment breakdown accident". All "equipment breakdown accidents" that are the result of the same event will be considered one "equipment breakdown accident". (2) Coverage Extensions The following Coverage Extensions apply only to direct physical loss or direct physical damage to "equipment breakdown property" caused by or resulting from an "equipment breakdown accident": (a) Hazardous Substances We will pay in any one occurrence for the additional cost, not to exceed the Limit of Insurance shown in the Declarations for Equipment Breakdown — Hazardous Substances, to repair or replace Covered Property because of contamination by a "hazardous substance". This includes the expenses to clean up or dispose of such property. This does not include contamination of "perishable goods" by a refrigerant, including but not limited to ammonia. Additional cost means those beyond what would have been required had no "hazardous substance" been involved. This limit is in addition to the Limits of Insurance for Covered Property. (b) Expediting Expenses With respect to your damaged Covered Property, we will pay in any one occurrence, up to the Limit of Insurance shown in the Declarations for Equipment Breakdown — Expediting Expenses, for the reasonable and necessary additional expenses you incur to: (i) Make temporary repairs; or (ii) Expedite permanent repairs or permanent replacement. This limit is in addition to the Limits of Insurance for Covered Property. (c) Defense If a claim or "suit" is brought against you alleging that you are liable for damage to property of another in your care, custody or control directly caused by an "equipment breakdown accident", we will either: (i) Settle the claim or "suit"; or (ii) Defend you against the claim or "suit," but keep for ourselves the right to settle it at any point. Payments under this Coverage Extension will not reduce the Limits of Insurance for Covered Property. (d) Supplementary Payments We will pay, with respect to any claim or "suit" we defend: (i) All expenses we incur; (ii) The cost of bonds to release attachments, but only for bond amounts within the Limit of Insurance. We do not have to furnish these bonds; eGF �D Form SP 30 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (iii) All reasonable expenses incurred by you at our request to assist us in the investigation or defense of the claim or "suit" including actual loss of earnings up to $100 a day because of time off from work; (iv) All costs taxed against you in any "suit" we defend; (v) Prejudgment interest awarded against you on that part of the judgment we pay. If we make an offer to pay the applicable Limit of Insurance, we will not pay any prejudgment interest based on that period of time after the offer; and (vi) All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the Limit of Insurance shown in the Declarations. Payments under this Coverage Extension will not reduce the Limits of Insurance for Covered Property. (e) Environment, Safety and Efficiency Improvements If "equipment breakdown property" requires replacement due to loss or damage caused by or resulting from an "equipment breakdown accident", we will pay your additional cost to replace it with equipment that is better for the environment, safer or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with property of comparable material and quality. This coverage does not increase any of the applicable Limits of Insurance. This coverage does not apply to any property indicated as being valued on an Actual Cash Value basis. If you wish to retrofit air conditioning or refrigeration equipment that utilizes a refrigerant containing CFC (chlorofluorocarbon) substances to accept a non-CFC refrigerant or replace the system with a system using a non-CFC refrigerant, we will consider this better for the environment. Any associated Business Income or Extra Expense will be included in determining the additional cost, if the Business Income and Extra Expense Additional Coverage applies to this Coverage Part. (3) Additional Conditions (a) Bankruptcy The bankruptcy or insolvency of you or your estate will not relieve us of any obligation under this Additional Coverage. (b) Jurisdictional Inspections If any "equipment breakdown property" requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. (c) Suspension When any "equipment breakdown property" is found to be in or exposed to a dangerous condition, any of our representatives may immediately suspend the insurance against loss from an "equipment breakdown accident" to that "equipment breakdown property". We can do this by mailing or delivering a written notice of suspension to: (i) Your address as shown in the Declarations; or (ii) The address where the "equipment breakdown property" is located. Once suspended in this way, your insurance can be reinstated only by written notice of reinstatement from us. eGF �D Form SP 30 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (4) We will not pay for direct physical loss or direct physical damage in any one occurrence unless the amount of direct physical loss or direct physical damage exceeds the Equipment Breakdown Deductible stated in the Declarations. We will then pay the amount of the direct physical loss or direct physical damage in excess of the Equipment Breakdown Deductible up to the applicable Limit of Insurance for Covered Property. B. The following changes are made to Section B., EXCLUSIONS: 1. Exclusion 13.2.a., Electrical Apparatus, is deleted. 2. Exclusion 13.2.d., Steam Apparatus, is deleted. 3. Paragraph (6) of Exclusion 13.2.e., Other Types of Loss, is deleted. 4. Paragraph 13.2.o., Electrical Disturbance, is deleted. C. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Equipment breakdown accident" means a fortuitous event that causes direct physical loss or direct physical damage to "equipment breakdown property". The event must be one of the following: a. Mechanical breakdown, including rupture or bursting caused by centrifugal force. b. Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network. c. Explosion of steam boilers, steam piping, steam engines or steam turbines owned or leased by you, or operated under your control. d. Physical loss or physical damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such boilers or equipment. e. Physical loss or physical damage to hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment. 2. The following definition is added: "Equipment breakdown property" means Covered Property which, during normal usage, operates under vacuum or pressure, other than the weight of contents, or that generates, transmits or utilizes energy. The following is not "equipment breakdown property": a. Any structure, foundation, cabinet, compartment or air supported structure or building; b. Any insulating or refractory material; c. Any sewer piping, any underground vessels or piping, any piping forming a part of a sprinkler system, water piping other than boiler feedwater piping, boiler condensate return piping, or water piping forming a part of a refrigerating or air conditioning system; d. Any dragline, excavation or construction equipment; e. Any vehicle or any equipment mounted on a vehicle. As used here, vehicle means any machine or apparatus that is used for transportation or moves under its own power. Vehicle includes, but is not limited to: car, truck, bus, trailer, train, aircraft, watercraft, forklift, bulldozer, tractor or harvester. However, any property that is stationary, permanently installed at a "scheduled premises" and that receives electrical power from an external power source will not be considered a vehicle; or f. Any equipment manufactured by you for sale. 3. The following definition is added: "Hazardous substance" means any substance that is hazardous to health or has been declared to be hazardous to heath by a governmental agency. 4. The following definition is added: "Perishable goods" means personal property: a. Maintained under controlled temperature or humidity conditions for preservation; and b. Susceptible to loss or damage if the controlled temperature or humidity conditions w RAMwagementDMsian Form SP 30 02 10 18 J_% F,oq REVIEWED & APPROVED BY: © 2018, The Hartford I "° Is (May include copyrighted material of Insurance Services Office, Inc., with its - -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FIRE DEPARTMENT SERVICE CHARGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Fire Department Service Charge (1) When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to the Limit of Insurance shown in the Declarations for Fire Department Service Charge in any one occurrence for your liability for fire department service charges: (a) Assumed by contract or agreement prior to loss; or (b) Required by local ordinance. (2) No deductible applies to this Coverage Extension. eGF �D Form SP 30 03 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FIRE EXTINGUISHER RECHARGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Fire Extinguisher Recharge (1) You may extend the insurance that applies to Covered Property to apply to: (a) The cost of recharging or replacing, whichever is less, your fire extinguishers and fire extinguishing systems (including hydrostatic testing if needed) if they are discharged while fighting a covered fire on or within 1,000 feet of the "scheduled premises"; and (b) For direct physical loss or direct physical damage to Covered Property if such loss or damage is the result of an accidental discharge of chemicals from a fire extinguisher or fire extinguishing system. (2) No coverage will apply if the fire extinguisher or fire extinguishing system is discharged during installation or testing. (3) No deductible applies to this Additional Coverage. eGF �D Form SP 30 04 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD GARAGES, STORAGE BUILDINGS AND OTHER APPURTENANT STRUCTURES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Garages, Storage Buildings and Other Appurtenant Structures (1) You may extend the insurance that applies to Buildings to apply to garages, storage buildings and other appurtenant structures, except outdoor fixtures, at the "scheduled premises". (2) You may extend the insurance that applies to Business Personal Property to apply to Business Personal Property in garages, storage buildings and other appurtenant structures at the "scheduled premises". (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Garages, Storage Buildings, and Other Appurtenant Structures. eGF �D Form SP 30 05 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD GLASS EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Glass Expense In the event of covered loss or damage to Covered Property, we will pay the necessary expenses incurred to: (1) Put up temporary plates or board up openings if repair or replacement of damaged glass is delayed; (2) Repair or replace encasing frames; and (3) Remove or replace obstructions when repairing or replacing glass that is part of a building; This does not include removing or replacing window displays. eGF �D Form SP 30 06 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LEASE ASSESSMENT This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lease Assessment (1) You may extend the insurance that applies to Covered Property to apply to your share of any assessment charged to all tenants by the building owner as a result of direct physical damage caused by or resulting from a Covered Cause of Loss to building property you occupy as agreed to in your written lease agreement. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Lease Assessment. eGF �D Form SP 30 07 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LOCK AND KEY REPLACEMENT This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lock and Key Replacement (1) You may extend the insurance that applies to Covered Property to apply to the re -keying of locks or the repair or replacement of locks at the "scheduled premises" following the theft or the attempted theft of keys by burglars. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Lock and Key Replacement. eGF �D Form SP 30 08 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PERSONAL EFFECTS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Personal Effects (1) We will pay for direct physical loss or direct physical damage to personal effects owned by you, your officers, your partners, "managers", "members", or your "employees" caused by or resulting from a Covered Cause of Loss. (2) This Coverage Extension does not apply to: (a) Tools or equipment used in your business; and (b) Tools and small equipment owned by any "employee(s)"; (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Personal Effects. eGF �D Form SP 30 09 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PRESERVATION OF PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Preservation of Property If it is necessary to move Covered Property from the "scheduled premises" to preserve it from direct physical loss or direct physical damage by a Covered Cause of Loss, we will pay for any direct physical loss of or direct physical damage to that property: (1) While it is being moved or while temporarily stored at another location; and (2) Only if the direct physical loss or direct physical damage occurs within the number days shown in the Declarations for Preservation of Property after the property is first moved. eGF �D Form SP 30 10 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ORDINANCE OR LAW COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extension, of the Special Property Coverage Form: Ordinance or Law (1) Application of Coverage The coverage(s) provided by this Coverage Extension applies only if both (1)(a) and (1)(b) are satisfied and are then subject to the qualifications set forth in (1)(c). (a) The ordinance or law: (i) Regulates the demolition, construction, or repair of Buildings or "tenant improvements and betterments", or establishes zoning or land use requirements at the "scheduled premises"; and (ii) Is in force at the time of loss. But coverage under this Coverage Extension applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered under this endorsement. (b) The Building or "tenant improvements and betterments" sustain direct physical damage: (i) That is covered under this Policy and as a result of such damage, you are required to comply with the ordinance or law; or (ii) That is both covered under this Policy and direct physical damage that is not covered under this Policy, and as a result of the Building or "tenant improvements and betterments" damage in its entirety, you are required to comply with the ordinance or law. (iii) But if the damage is not covered under this Policy, and such damage is the subject of the ordinance or law, then there is no coverage under this Coverage Extension even if the Building or "tenant improvements and betterments" have also sustained covered direct physical damage. (c) In the situation described in (1)(b)(ii) above, we will not pay the full amount of loss otherwise payable under the coverages described in (2) below. Instead, we will pay a proportion of such loss, meaning the proportion that the covered direct physical damage bears to the total direct physical damage. (Paragraph (6) of this Coverage Extension provides an example of this procedure) However, if the covered direct physical damage alone would have resulted in a requirement to comply with the ordinance or law, then we will pay the full amount of loss otherwise payable under the terms of the coverages described in (2) below. (2) Coverage (a) Undamaged Part With respect to the Building or "tenant improvements and betterments" that have sustained direct physical damage, we will pay for the loss in value of the undamaged portion of the Building or "tenant improvements and betterments" as a consequence of a requirement to comply with an ordinance or law that requires demolition of undamaged parts of the same Building or "tenant improvements and betterments". (b) Demolition Cost and Increased Cost of Construction (i) Demolition Cost Form SP 30 11 12 19 With respect to the Building or "tenant improvements and betterments" that have sustained covered direct physical damage, we will pay the cost to demolish an( parts of the same Building or "tenant improvements and betterme © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ew cF RAMwagmedDMsian Jy/\'x REVIEWED & APPROVED BY.- ,v --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD requirement to comply with an ordinance or law that requires demolition of such undamaged property. (ii) Increased Cost of Construction With respect to the Building or "tenant improvements and betterments" that have sustained covered direct physical damage, we will pay the increased cost to: (aa) Repair or reconstruct damaged portions of that Building or "tenant improvements and betterments"; and/or (bb) Reconstruct or remodel undamaged portions of that Building or "tenant improvements and betterments", whether or not demolition is required; when the increased cost is a consequence of a requirement to comply with the minimum standards of the ordinance or law. However this coverage applies only if the restored or remodeled property is intended for similar occupancy as the current property, unless such occupancy is not permitted by zoning or land use ordinance or law. Additionally, we will not pay for the increased cost of construction if the Building or "tenant improvements and betterments" are not repaired, reconstructed, or remodeled. Paragraph E.5.d within the Loss Payment condition does not apply to Demolition Cost and Increased Cost of Construction coverages. (3) Loss Payment (a) All following loss payment provisions (3)(b) and (3)(c) are subject to the apportionment procedure set forth in Paragraph (1)(c) of this Coverage Extension. (b) When there is a loss in value of an undamaged portion of a Building or "tenant improvements and betterments" to which Undamaged Part coverage applies, the loss payment for that Building or "tenant improvements and betterments", including damaged and undamaged portions, will be as follows: (i) If the property is repaired or replaced on the same or another premises, we will not pay more than the lesser of: (aa) The amount you actually spend to repair, rebuild, or reconstruct the Building or "tenant improvements and betterments" but not more than the amount it would cost to restore the Building or "tenant improvements and betterments" at the same premises and to the same height, floor area, style, and comparable quality of the original property insured; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law - Undamaged Part. (ii) If the property is not repaired or replaced, we will not pay more than the lesser of: (aa) The actual cash value of the Building or "tenant improvements and betterments" at the time of loss; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law - Undamaged Part. (c) The most we will pay for the total of all covered losses for Demolition Cost and Increased Cost of Construction coverage is the Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. Subject to this combined Limit of Insurance, the following loss payment provisions apply: (i) For Demolition Cost coverage, we will not pay more than the amount you actually spend to demolish and clear the site of the "scheduled premises". (ii) With respect to the Increased Cost of Construction: (aa) We will not pay for the increased cost of construction until the property is actually repaired or replaced at the same or another premises; and (bb) Unless the repairs or replacement is made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years. eRAMwagmedDMsiun Form SP 30 11 12 19 GF ��/ 1°x REVIEWED & APPROVED BY.- © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (iii) If the Building or "tenant improvements and betterments" are repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay for the Increased Cost of Construction Coverage is the lesser of: (aa) The increased cost of construction at the same premises; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. (iv) If the ordinance or law requires relocation to another premises, the most we will pay for the increased cost of construction is the lesser of: (aa) The increased cost of construction at the new premises; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. (4) Paragraph 1.i., Ordinance or Law, of Section B., EXCLUSIONS, does not apply to this Coverage Extension. (5) Additional Exclusions We will not pay under this Coverage Extension for: (a) The enforcement of or compliance with any ordinance or law which requires the demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants and contaminants" or due to the presence, growth, proliferation, spread of any activity of "fungi", wet or dry rot, bacteria or virus; (b) The costs associated with the enforcement of or compliance with any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants or contaminants", "fungi", wet or dry rot, bacteria or virus; or (c) Loss due to any ordinance or law that: (i) You were required to comply with before the loss even if the Building or "tenant improvements and betterments" were undamaged; and (ii) You failed to comply with. (6) Example of Proportionate Loss Payment for Ordinance or Law Coverage Losses (procedure as set forth in Paragraph (1)(c) of this Coverage Extension). Assume: • Wind is a Covered Cause of Loss. Flood is an excluded Cause of Loss; • The building has a value of $200,000; • Total direct physical damage to building: $100,000; • The ordinance or law in this jurisdiction is enforced when building damage equals or exceeds 50% of the building's value; • Portion of direct physical damage that is covered (caused by wind): $30,000; • Portion of direct physical damage that is not covered (caused by flood): $70,000; and • Loss under Increased Cost of Construction of this Coverage Extension: $60,000. Step 1: Determine the proportion that the covered direct physical damage bears to the total direct physical damage. $30,000 divided by $100,000 = .30 Step 2: Apply that proportion to the Ordinance or Law loss. $60,000 x .30 = $18,000 In this example, the most we will pay under this endorsement for the Increased Cost of Construction coverage is $18,000, subject to the applicable Limit of Insurance and any other applicable provisions. NOTE: The same procedure applies to losses under Undamaged Part and this endorsement. Form SP 30 11 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF Risk ManVmad DMsian ke7 1'x REVIEWED & APPROVED BY.- 1,,; "° wd --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD VALUABLE PAPERS AND RECORDS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Valuable Papers and Records (1) You may extend the insurance that applies to Covered Property to apply to your "valuable papers and records" or "valuable papers and records" of others while in your care, custody or control while on or away from the "scheduled premises", including while in transit. (2) Under this Coverage Extension, we will not pay for "valuable papers and records": (a) Held as samples or for delivery after sale; (b) In storage away from the "scheduled premises"; or (c) If such "valuable papers and records" cannot be replaced with other property of like kind and quality. (3) Section B., EXCLUSIONS, does not apply to this Coverage Extension except for: (a) Exclusion 13.1.1b., Governmental Action; (b) Exclusion 13.1.c., Nuclear Hazard; and (c) Exclusion 13.1.e., War and Military Action. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Valuable Papers and Records. eGF �D Form SP 30 12 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME AND EXTRA EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section A., COVERAGE: 1. The following is added to Paragraph 6., Coverage Extensions: Business Income (1) We will pay for the actual loss of Business Income you sustain due to the necessary suspension of your "operations" during the "period of restoration". The suspension must be caused by direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet of the "scheduled premises", caused by or resulting from a Covered Cause of Loss. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; or (b) That part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss if coverage for Business Income applies to the Coverage Part. (6) We will not pay for any increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or eGF �D Form SP 30 13 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (c) Any other consequential loss. (7) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Business Income loss to the extent you can resume your "operations", in whole or in part, by using damaged or undamaged property (including merchandise or "stock") at the "scheduled premises" or elsewhere. (8) Under this Coverage Extension, coverage for Business Income does not apply when the suspension of "operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (9) A waiting period may apply, however, no other deductible applies to this Coverage Extension. 2. The following is added to Paragraph 6., Coverage Extensions: Extended Business Income (1) If the necessary suspension of your "operations" produces a Business Income loss payable under the Business Income Coverage Extension, we will pay for the actual loss of Business Income you incur during the period that: (a) Begins on the date property, other than finished "stock", is actually repaired, rebuilt or replaced and "operations" are resumed; and (b) Ends on the earlier of: (i) The date you could restore your "operations" with reasonable speed, to the condition that would have existed if no direct physical loss or direct physical damage occurred; or (ii) 45 consecutive days after the date determined in Paragraph (1)(a) above, unless a different time period is shown in the Declarations for Extended Business Income. However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the "scheduled premises" is located. (2) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; and (b) That a part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss. (3) We will not pay for any Extended Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or (c) Any other consequential loss. (4) No deductible applies to this Coverage Extension. 3. The following is added to Paragraph 6., Coverage Extensions: Extra Expense (1) We will pay reasonable and necessary Extra Expense you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet, caused by or resulting from a Covered Cause of Loss. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and eGF �D Form SP 30 13 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (i) At the "scheduled premises"; or (ii) At replacement premises or at temporary locations, including: (aa) Relocation expenses; and (bb) Cost to equip and operate the replacement or temporary location, other than those costs necessary to repair or to replace damaged "stock" and equipment. (b) To minimize the suspension of business if you cannot continue "operations". (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension or the Business Income Coverage Extension. (4) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; or (b) That part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss if coverage for Extra Expense applies to the Coverage Part. (5) This Extra Expense Coverage Extension does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "period of restoration", once "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (7) We will not pay for any Extra Expense caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or (c) Any other consequential loss (8) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Extra Expense loss to the extent you can return "operations" to normal and discontinue such Extra Expense (9) Under this Coverage Extension, coverage for Extra Expense does not apply when the suspension of "operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (10)No deductible applies to this Coverage Extension. eGF �D Form SP 30 13 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM DEPENDENT PROPERTIES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income From Dependent Properties (1) We will pay the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "dependent property period of restoration" due to direct physical loss or direct physical damage at the premises of a "dependent property" or "secondary dependent property" caused by or resulting from a Covered Cause of Loss. However, this Coverage Extension does not apply when the only loss at the premises of a "dependent property" or "secondary dependent property" is loss or damage to "electronic data", including destruction or corruption of "electronic data". If the "dependent property" or "secondary dependent property" sustains loss or damage to both "electronic data" and other property, coverage under this Coverage Extension will not continue once the other property is repaired, rebuilt or replaced. (2) Coverage provisions respecting direct physical loss or direct physical damage will apply separately to each "dependent property" and "secondary dependent property" premises. (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage at the premises of a "dependent property" or "secondary dependent property" had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (7) (a) Any deficiencies in insuring building or business personal property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. With respect to the coverage provided in this Coverage Extension, sus slowdown or complete cessation of your business activities. Form SP 30 14 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF IZisle MKFV% ent Division Jy/ 1'x REVIEWED & APPROVED BY: v mwd --� RFsk Pjanagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "dependent property period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume "operations", in whole, or in part, by using any other available: (a) Sources of materials; or (b) Outlet for your products. (10)We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "dependent property period of restoration". (c) Any other consequential loss. (11)A waiting period may apply to Business Interruption, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the limit shown in the Declarations for Business Income From Dependent Properties. B. The following changes are made to Section G. PROPERTY DEFINITIONS: 1. The following definition is added: "Dependent property" means property owned, leased or operated by others whom you depend on to: a. Deliver materials or services to you or to others for your account. But services do not include: (1) Water, wastewater removal, communication, power services or any other utility services; or (2) Any type of web site, or Internet service. b. Accept your products or services; c. Manufacture your products for delivery to your customers under contract for sale; or d. Attract customers to your business premises. The "dependent property" must be located in the coverage territory of this Coverage Part. 2. The following definition is added: "Dependent property period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income for Dependent Properties coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from any Covered Cause of Loss at the "dependent property" or "secondary dependent property"; and (2) Ends on the earlier of: (a) The date when the property at the "dependent property" or "secondary dependent property" should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) Exhaustion of the number of consecutive months as shown on the Declarations as the Business Income for Dependent Properties Period of Restoration. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any Form SP 30 14 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its property; or ew cF RAMwagmedDMsian Jy/\'x REVIEWED & APPROVED BY.- v --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "dependent property period of restoration". 3. The following definition is added: "Secondary dependent property" a. Means an entity which is not owned, leased or operated by a "dependent property" and which: (1) Deliver materials or services to a "dependent property", which in turn are used by the "dependent property" in providing materials or services to you; or (2) Accepts materials or services from a "dependent property", which in turn accepts your materials or services. b. A road, bridge, tunnel, waterway, airfield, pipeline or any other similar area or structure is not a "secondary dependent property". c. Any property which delivers any of the following services is not a "secondary dependent property" with respect to such services: (1) Water, wastewater removal, communication, power services or any other utility services; or (2) Any type of web site, or Internet service. The "secondary dependent property" must be located in the coverage territory of this Coverage Part. eGF �D Form SP 30 14 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FORGERY COVERAGE (INCLUDING CREDIT CARDS, CURRENCY AND MONEY ORDERS) This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Forgery (1) We will pay for loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or similar written promise of payment in "money" that you or your agent has issued, or that was issued by someone who impersonates you or your agent. This includes written instruments required in conjunction with any credit, debit, or charge card issued to you or any "employee" for business purposes. (2) If you are sued for refusing to pay the check, draft, promissory note, bill of exchange or similar written promise of payment in "money" on the basis that it has been forged or altered, and you have our written consent to defend against the "suit", we will pay for any reasonable legal expenses that you incur and pay in that defense. (3) We will pay for loss resulting directly from your having accepted in good faith, in exchange for merchandise, "money" or services: (a) Money orders, including counterfeit money orders, issued by any post office, express company or bank that are not paid upon presentation; and (b) "Counterfeit money" that is acquired during the regular course of business. (4) For the purpose of this Coverage Extension, check includes a substitute check as defined in the Check Clearing for the 21 sl Century Act and will be treated the same as the original it replaced. (5) We will treat mechanically reproduced facsimile signatures the same as handwritten signatures. (6) You must include with your proof of loss any instrument involved in that loss, or, if that is not possible, an affidavit setting forth the amount and cause of loss. (7) With respect to this Coverage Extension only, Paragraphs F.5.b.(1) through F.5.b.(3) are deleted and replaced with the following: Anywhere in the world. (8) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (9) Additional Conditions: (a) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (b) Non -Cumulation of Limit of Insurance Regardless of the number of years this Coverage Part remains in force or th no Limit of Insurance cumulates from year to year or period to period. Form SP 30 16 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManWmad DMsian ke7 1'x REVIEWED & APPROVED BY.- 1,,; "° wd --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (c) Ownership of Property, Interests Covered The property covered under this Coverage Part is limited to property (i) That you own or hold; or (ii) For which you are legally liable. However, this insurance is for your benefit only. It provides no rights or benefits to any other person or organization (10)The most we will pay in any one occurrence, including legal expenses, under this Coverage Extension is the Limit of Insurance shown in the Declarations for Forgery Coverage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Counterfeit money" means an imitation of "money" that is intended to deceive and to be taken as genuine. eGF �D Form SP 30 16 12 19 ��/ 1°x REVIEWED & APPROVED BY.- © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Limited Coverage For "Fungi", Wet Rot, Dry Rot, Bacteria and Virus (1) The coverage described in Paragraph (2) below only applies when the "fungi", wet or dry rot, bacteria or virus is the result of one or more of the following causes that occurs during the policy period and only if all reasonable means were used to save and preserve the property from further damage at the time of and after that occurrence. (a) A "specified cause of loss" other than fire or lightning; (b) An "equipment breakdown accident" occurs to "equipment breakdown property", if the Equipment Breakdown Additional Coverage is attached to this Coverage Part. (2) The coverage described below applies only when a Limit of Insurance is shown in the Declarations for either Building or Business Personal Property. We will pay for loss or damage to Covered Property by "fungi", wet rot, dry rot, bacteria and virus. As used in this Additional Coverage, the term loss or damage means: (a) Direct physical loss or direct physical damage to Covered Property caused by "fungi", wet rot, dry rot, bacteria or virus, including the cost of removal of the "fungi", wet rot, dry rot, bacteria or virus; (b) The cost to tear out and replace any part of the building or other property as needed to gain access to the "fungi", wet rot, dry rot, bacteria or virus; and (c) The cost of testing performed after removal, repair, replacement or restoration of the damaged property is completed, provided there is a reason to believe that "fungi", wet rot, dry rot, bacteria or virus is present. (3) The following exclusions do not apply to this Additional Coverage: (a) Exclusion B.1.g., "Fungi", Wet Rot or Dry Rot; (b) Exclusion 13.1.1h., Virus or Bacteria; (c) Exclusion B.2.o., Continuous Or Repeated Seepage Or Leakage Of Water. (4) This Additional Coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. (5) The most we will pay in any one occurrence under this Additional Coverage, including any payments made under the Business Income or Extra Expense Coverage Extensions referenced in Paragraph (9) below, is the Limit of Insurance for Limited Fungi, Bacteria or Virus Coverage shown in the Declarations even if the "fungi", wet or dry rot, bacteria, or virus continues to be present or active, or recurs, in a later policy period. (6) The coverage provided under this Additional Coverage does not increase the applicable Limit of Insurance on any Covered Property. If a particular occurrence results in loss or damage by "fungi", wet rot, dry rot, bacteria or virus, and other loss or damage, we will not pay more, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. (7) If there is covered loss or damage to Covered Property, not caused by "fungi", wet rot, dry rot, bacteria or virus, loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungi", wet or dry rot, bacteria or virus causes an increase in the loss. Any such increase in the loss will be subject to the terms of this Additional Coverage. (8) The terms of this Additional Coverage do not increase or reduce coverage which may otherwise be provided in this Policy. eGF �D Form SP 30 17 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (9) The following applies only if the Business Income and Extra Expense Coverage Extensions are attached to this Coverage Part and only if the suspension of "operations" satisfies all the terms and conditions of the Business Income and Extra Expense Coverage Extensions. (a) If the loss or damage which resulted in "fungi", wet or dry rot, bacteria or virus does not in itself necessitate a suspension of "operations", but such suspension is necessary due to loss or damage to property caused by "fungi", wet or dry rot, bacteria or virus, then our payment under the Business Income and Extra Expense Coverage Extensions is limited to the amount of loss and expense sustained in a period of not more than 30 days unless another number of days is indicated in the Declarations. The days need not be consecutive. (b) If a covered suspension of 'operations" was caused by loss or damage other than "fungi", wet or dry rot, bacteria or virus, but remediation of "fungi", wet or dry rot, bacteria or virus prolongs the "period of restoration", we will pay for loss and expense sustained during the delay (regardless of when such a delay occurs during the "period of restoration"), but such coverage is limited to 30 days unless another number of days is indicated in the Declarations. The days need not be consecutive. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Equipment breakdown accident" means a fortuitous event that causes direct physical loss or direct physical damage to "equipment breakdown property". The event must be one of the following: a. Mechanical breakdown, including rupture or bursting caused by centrifugal force. b. Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network. c. Explosion of steam boilers, steam piping, steam engines or steam turbines owned or leased by you, or operated under your control. d. Physical loss or physical damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such boilers or equipment. e. Physical loss or physical damage to hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment. 2. The following definition is added: "Equipment breakdown property" means Covered Property which, during normal usage, operates under vacuum or pressure, other than the weight of contents, or that generates, transmits or utilizes energy. The following is not "equipment breakdown property": a. Any structure, foundation, cabinet, compartment or air supported structure or building; b. Any insulating or refractory material; c. Any sewer piping, any underground vessels or piping, any piping forming a part of a sprinkler system, water piping other than boiler feedwater piping, boiler condensate return piping, or water piping forming a part of a refrigerating or air conditioning system; d. Any dragline, excavation or construction equipment; e. Any vehicle or any equipment mounted on a vehicle. As used here, vehicle means any machine or apparatus that is used for transportation or moves under its own power. Vehicle includes, but is not limited to, car, truck, bus, trailer, train, aircraft, watercraft, forklift, bulldozer, tractor or harvester. However, any property that is stationary, permanently installed at a "scheduled premises" and that receives electrical power from an external power source will not be considered a vehicle. f. Any equipment manufactured by you for sale. eGF �D Form SP 30 17 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ARSON AND THEFT REWARD This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Arson and Theft Reward (1) In the event that a covered fire loss was the result of an act of arson, we will reimburse you for rewards you pay for information leading to convictions for that act of arson. (2) In the event of a covered theft loss, we will reimburse you for rewards you pay for information leading to convictions for the theft loss. (3) No deductible applies to this Coverage Extension. (4) The most we will pay to reimburse you in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Arson and Theft Reward. eGF �D Form SP 30 18 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FOR CIVIL AUTHORITY ACTIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income for Civil Authority Actions (1) When a Covered Cause of Loss causes direct physical loss or direct physical damage to property other than at the "scheduled premises", we will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "civil authority period of restoration" caused by action of civil authority that prohibits access to the "scheduled premises" provided that both of the following apply: (a) Access to the area immediately surrounding the damaged property is prohibited by civil authority as a result of the damage, and the "scheduled premises" are within that area but are not more than one mile from the damaged property; and (b) The action of civil authority is taken in response to dangerous physical conditions resulting from the damage or continuation of the Covered Cause of Loss that caused the damage, or the action is taken to enable a civil authority to have unimpeded access to the damaged property. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if access to the "scheduled premises" had not been prohibited by action of civil authority, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or eGF �D Form SP 30 19 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "civil authority period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "civil authority period of restoration"; (c) Any other consequential loss. (10)A waiting period may apply, however, no other deductible applies to this Coverage Extension. B. The following definition is added to Section G., PROPERTY DEFINITIONS: "Civil authority period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after action of civil authority for Business Income for Civil Authority Actions coverage; or (b) Immediately after the action of civil authority damage for Extra Expense coverage; and (2) Ends on the earlier of: (a) When access to your "scheduled premises" is permitted; or (b) 30 consecutive days after the order of the civil authority unless a different time period is shown in the Declarations as the Business Income for Civil Authority Actions Duration of Coverage. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "civil authority period of restoration". eGF �D Form SP 30 19 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD POLLUTANTS AND CONTAMINANTS CLEAN UP AND REMOVAL This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: "Pollutants and Contaminants" Clean Up and Removal (1) We will pay your expense to extract "pollutants and contaminants" from land or water at the "scheduled premises" if the discharge, dispersal, seepage, migration, release or escape of the "pollutants and contaminants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs. (2) This Coverage Extension does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants and contaminants". But we will pay for testing which is performed in the course of extracting the "pollutants and contaminants" from the land or water. (3) Paragraph 2.1., Pollution, of Section B., EXCLUSIONS, does not apply to this Coverage Extension. (4) The most we will pay in any one occurrence under this Coverage Extension for the sum of all such expenses arising out of Covered Causes of Loss, is the Limit of Insurance shown in the Declarations for Pollutants and Contaminants Clean Up and Removal. eGF �D Form SP 30 20 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IDENTITY RECOVERY FOR BUSINESSOWNERS AND EMPLOYEES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Identity Recovery for Businessowners and Employees (1) We will provide the Case Management Service and Expense Reimbursement Coverage indicated below if all of the following requirements are met: (a) There has been an "identity theft" involving the personal identity of an "identity recovery insured" under this Coverage Part; (b) Such "identity theft" is first discovered by the "identity recovery insured" during the policy period for which this Coverage Extension is applicable; and (c) Such "identity theft" is reported to us as soon as practicable but in no event later than 60 days after it is first discovered by the "identity recovery insured." (2) If all three of the requirements listed above have been met, then we will provide the following to the "identity recovery insured": (a) Case Management Service Services of an "identity recovery case manager" as needed to respond to the "identity theft"; and (b) Expense Reimbursement Reimbursement of necessary and reasonable "identity recovery expenses" incurred as a direct result of the "identity theft." (3) Additional Exclusions Under this Coverage Extension, we will not cover loss or expense arising from any of the following: (a) Theft of a professional or business identity; (b) Any fraudulent, dishonest or criminal act by an "identity recovery insured" or any person aiding or abetting an "identity recovery insured", or by any authorized representative of an "identity recovery insured", whether acting alone or in collusion with others. However, this exclusion shall not apply to the interests of an "identity recovery insured" who has no knowledge of or involvement in such fraud, dishonesty or criminal act; (c) Loss other than "identity recovery expenses"; (d) An "identity theft" that is first discovered by the "identity recovery insured" prior to or after the policy period for which this Coverage Extension applies. This exclusion applies whether or not such "identity theft" began or continued during the period of coverage; (e) An "identity theft" that is not reported to us within 60 days after it is first discovered by the "identity recovery insured."; or (f) An "identity theft" that is not reported in writing to the police. (4) Limits of Insurance (a) The most we will pay in any one "policy year" per "identity recovery insured" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Identity Recovery Coverage for Businessowners and Employees. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or expense arising out of all "identity thefts" to any one "identity recovery insured" which are first discovered by the "identity recovery insured" during a 12-month period starting with the beginning of the present annual policy period. If an "idE in one policy period and continues into other policy periods, all loss an Form SP 30 22 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ew cF RAMwagmedDMsian Jy/\'x REVIEWED & APPROVED BY: 11 ,v --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD "identity theft" will be subject to the "policy year' limit applicable to the policy period when the "identity theft" was first discovered. (i) Legal costs as provided under Paragraph d. of the definition of "identity recovery expenses" are part of, and not in addition to, the Limit of Insurance for this Coverage Extension. (ii) Lost Wages and Child and Elder Care Expenses as provided under Paragraphs e. and f. of the definition of "identity recovery expenses" are jointly subject to a sublimit of $250 per day, not to exceed $5,000 total (unless a different sublimit is displayed in the Declarations). This sublimit is part of, and not in addition to, the Limit of Insurance for this Coverage Extension. Coverage is limited to lost wages and expenses incurred within 12 months after the first discovery of the "identity theft" by the "identity recovery insured". (iii) Mental Health Counseling as provided under Paragraph g. of the definition of "identity recovery expenses" is subject the Mental Health sublimit shown in the Declarations. This sublimit is part of, and not in addition to, the Limit of Insurance for this Coverage. Coverage Extension is limited to counseling that takes place within 12 months after the first discovery of the "identity theft" by the "identity recovery insured". (b) Case Management Service is available as needed for any one "identity theft" for up to 12 consecutive months from the inception of the service. Expenses we incur to provide Case Management Service are part of, and not in addition to, the Limit of Insurance for this Coverage Extension. (5) Deductible (a) No deductible applies to the Case Management Service coverage. (b) All other coverage provided under this Coverage Extension is subject to the Deductible shown in the Declarations for this Coverage Extension. Any one "identity recovery insured" shall be responsible for only one Deductible under this Coverage Extension during any one "policy year". (6) Additional Conditions (a) Assistance and Claims (i) For assistance, the "identity recovery insured" should call the Identity Recovery Help Line at 1- 866-989-2905. The Identity Recovery Help Line can provide the "identity recovery insured" with: (aa)Information and advice for how to respond to a possible "identity theft"; and (bb)lnstructions for how to submit a service request for Case Management Service and/or a claim form for Expense Reimbursement Coverage. (ii) In some cases, we may provide Case Management services at our expense to an "identity recovery insured" prior to a determination that a covered "identify theft" has occurred. Our provision of such services is not an admission of liability under the Coverage Part. We reserve the right to deny further coverage or service if, after investigation, we determine that a covered "identify theft" has not occurred. (iii) As respects Expense Reimbursement Coverage, the "identity recovery insured" must send to us, within 60 days after our request, receipts, bills or other records that support his or her claim for "identity recovery expenses." (b) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (c) Non -Cumulation of Limit of Insurance eGF �D Form SP 30 22 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD Regardless of the number of years this Coverage Part remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (d) Services The following conditions apply as respects any services provided by us or our designees to any "identity recovery insured" under this endorsement: (i) Our ability to provide helpful services in the event of an "identity theft" depends on the cooperation, permission and assistance of the "identity recovery insured." (ii) All services may not be available or applicable to all individuals. For example, "identity recovery insureds" who are minors or foreign nationals may not have credit records that can be provided or monitored. Service in Canada will be different from service in United States and Puerto Rico in accordance with local conditions. (iii) We do not warrant or guarantee that our services will end or eliminate all problems associated with an "identity theft" or prevent future "identity thefts." B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Identity recovery case manager" means one or more individuals assigned by us to assist an "identity recovery insured" with communications we deem necessary for re-establishing the integrity of the personal identity of the "identity recovery insured." This includes, with the permission and cooperation of the "identity recovery insured," written and telephone communications with law enforcement authorities, governmental agencies, credit agencies and individual creditors and businesses. 2. The following definition is added: "Identity recovery expenses" means the following when they are reasonable and necessary expenses that are incurred in the United States or Canada as a direct result of an "identity theft": a. Costs for re -filing applications for loans, grants or other credit instruments that are rejected solely as a result of an "identity theft." b. Costs for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report an "identity theft" or amend or rectify records as to your true name or identity as a result of an "identity theft." c. Costs for up to twelve (12) credit reports from established credit bureaus dated within 12 months after your knowledge or discovery of an "identity theft." d. Legal Costs Fees and expenses for an attorney approved by us for: (1) Defending any civil suit brought against an "identity recovery insured" by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of an "identity theft"; and (2) Removing any civil judgment wrongfully entered against an "identity recovery insured" as a result of the "identity theft." e. Lost Wages Actual lost wages of the "identity recovery insured" for time reasonably and necessarily taken away from work and away from the work premises. Time away from work includes partial or whole work days. Actual lost wages may include payment for vacation days, discretionary days, floating holidays and paid personal days. Actual lost wages does not include sick days or any loss arising from time taken away from self-employment. Necessary time off does not include time off to do tasks that could reasonably have been done during non- working hours. f. Child and Elder Care Expenses Actual costs for supervision of children or elderly or infirm relatives or dependents of the "identity recovery insured" during time reasonably and necessarily taken away from such supervision. Such care must be provided by a professional care provider who is not a relative of the "identity recov eGF �D Form SP 30 22 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD g. Mental Health Counseling Actual costs for counseling from a licensed mental health professional. Such care must be provided by a professional care provider who is not a relative of the "identity recovery insured". 3. The following definition is added: "Identity recovery insured" means the following: a. A full time "employee" of the entity insured under this Coverage Part; or b. The owner of the entity insured under this Coverage Part who meets any of the following criteria: (1) A sole proprietor of the insured entity; (2) A partner in the insured entity; or (3) An individual having an ownership position of 20% or more of the insured entity. An "identity recovery insured" must always be an individual person. The entity insured under this Coverage Part is not an "identity recovery insured." 4. The following definition is added: "Identity theft" means the fraudulent use of the social security number or other method of identifying an "identity recovery insured." This includes fraudulently using the personal identity of an "identity recovery insured" to establish credit accounts, secure loans, enter into contracts or commit crimes. "Identity theft" does not include the fraudulent use of a business name, d/b/a or any other method of identifying a business activity. 5. The following definition is added: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. eGF �D Form SP 30 22 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ACCOUNTS RECEIVABLE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Accounts Receivable (1) You may extend the insurance that applies to Covered Property to apply to your accounts receivable while at or away from the "scheduled premises", including while in transit. Under this Coverage Extension, we will pay for: (a) All amounts due from your customers that you are unable to collect; (b) Interest charges on any loan required to offset amounts you are unable to collect pending our payment of these amounts; (c) Collection expenses in excess of your normal collection expenses that are made necessary by the physical loss or physical damage; and (d) Other reasonable expenses that you incur to reestablish your records of accounts receivable; that result from direct physical loss or direct physical damage by a Covered Cause of Loss to your records of accounts receivable. (2) Section B., EXCLUSIONS, do not apply to this Coverage Extension except for: (a) Exclusion 13.1.1b., Governmental Action; (b) Exclusion 13.1.c., Nuclear Hazard; (c) Exclusion 13.1.e., War and Military Action; (d) Exclusion 13.2.g., Dishonesty; (e) Exclusion 13.2.1h. False Pretense; and (f) Exclusions 13.3.a., Weather Conditions, through 13.3.c., Negligent Work. (3) Under this Coverage Extension, we will not pay for: (a) Loss or damage caused by or resulting from alteration, falsification, concealment or destruction of records of accounts receivable done to conceal the wrongful giving, taking or withholding of "money," "securities," or other property. This exclusion applies only to the extent of the wrongful giving, taking or withholding; (b) Loss or damage caused by or resulting from bookkeeping, accounting, or billing errors or omissions; or (c) Any loss or damage that requires any audit of records or any inventory computation to prove its factual existence. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Accounts Receivable. eGF �D Form SP 30 23 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD NEWLY ACQUIRED OR CONSTRUCTED PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Newly Acquired or Constructed Property (1) Buildings When a Limit of Insurance shown is in the Declarations for Newly Acquired or Constructed Building, you may extend the insurance that applies to Buildings to apply to: (a) Your new buildings while being built on the "scheduled premises"; and (b) Buildings you acquire at locations other than the "scheduled premises", intended for: (i) Similar use as the Building described in the Declarations; or (ii) Use as a warehouse. The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Building. (2) Business Personal Property (a) When a Limit of Insurance shown is in the Declarations for Newly Acquired or Constructed Business Personal Property, you may extend the insurance that applies to Business Personal Property to apply to: (i) Business Personal Property, including such property that you newly acquire, at any location you acquire; (ii) Business Personal Property, including such property that you newly acquire, located at your newly acquired or constructed buildings located at the "scheduled premises"; or (iii) Business Personal Property that you newly acquire, located at the "scheduled premises". (b) This extension does not apply to: (i) Personal property that you temporarily acquire in the course of installing or performing work on such property; (ii) Personal property of others that you temporarily acquire in the course of your wholesaling activity. (c) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Business Personal Property. (3) Business Income (a) When a Limit of Insurance is shown in the Declarations for Newly Acquired or Constructed Business Income and Extra Expense, you may extend the insurance that applies to the Business Income and Extra Expense Coverage Extensions when such Coverage Extensions are attached to this Coverage Part to apply to newly acquired or constructed locations. (b) The most we will pay in any one occurrence under this Coverage Extension is the lesser of: (i) The actual loss of Business Income and incurred Extra Expense you sustain; or (ii) The Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Business Income and Extra Expense. (4) Insurance under this Coverage Extension for each newly acquired or constructed property will end when any of the following first occurs: (a) This Coverage Part expires; (b) 180 days after you acquire or begin construction of that part of the bl Covered Property, or Form SP 30 24 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManWmad DMsian ke/ 1'x REVIEWED & APPROVED BY: 1,,; "° wd --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (c) You report values to us. We will charge you additional premium for values reported from the date you acquire the property or begin construction of that part of the building that would qualify as Covered Property. eGF �D Form SP 30 24 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OUTDOOR PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Outdoor Property (1) You may extend the insurance provided by this Coverage Part to apply to your outdoor fences, signs (other than signs attached to buildings), radio and television antennas (including satellite dishes), trees, shrubs and plants (other than trees, shrubs or plants which are part of a vegetated roof), including debris removal expense. Loss or damage must be caused by or result from any of the following causes of loss: (a) Fire; (b) Lightning; (c) Windstorm; (d) Ice, Snow, Sleet or Hail; (e) Explosion; (f) Riot or Civil Commotion; or (g) Aircraft. (2) Exclusion 13.2.i., Exposed Property, does not apply to this Coverage Extension. (3) The most we will pay in any one occurrence, including debris removal expense, under this Coverage Extension is the Limit of Insurance shown in the Declarations for Outdoor Property. eGF �D Form SP 30 25 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PROPERTY OFF -PREMISES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Property Off -Premises (1) You may extend the insurance that applies to Covered Property, other than "money" and "securities", "valuable papers and records" or accounts receivable, to apply to such property in your care, custody or control while it is in the course of transit or at a premises you do not own, lease or operate. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Property Off -Premises. eGF �D Form SP 30 26 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— WWR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD WATER DAMAGE, OTHER LIQUID, POWDER OR MOLTEN MATERIAL DAMAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Water Damage, Other Liquid, Powder or Molten Material Damage (1) If direct physical loss or direct physical damage caused by or resulting from covered water or other liquid, powder or molten material damage loss occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. (2) We will not pay the cost to repair any defect that caused the direct physical loss or direct physical damage except as provided in the Equipment Breakdown Additional Coverage if such Additional Coverage is attached to this Coverage Part. But we will pay the cost to repair or replace damaged parts of fire extinguishing equipment if the damage: (a) Results in discharge of any substance from an automatic fire protection system; or (b) Is directly caused by freezing. eGF �D Form SP 30 27 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD MONEY AND SECURITIES COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Money and Securities (1) We will pay for loss of "money" and "securities" used in your business while at: a bank or savings institution, within your living quarters or the living quarters of your partners or any "employee" having use and custody of the property, at the "scheduled premises", or in transit between any of these places, resulting directly from: (a) Theft; (b) Disappearance; or (c) Destruction. (2) In addition to the Limitations and Exclusions applicable to this Coverage Part, we will not pay for loss: (a) Resulting from accounting or arithmetical errors or omissions; (b) Due to the giving or surrendering of property in any exchange or purchase; or (c) Loss or damage to "money" and "securities" following and directly related to the use of any "computer" to fraudulently cause a transfer of that property. (3) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (4) You must keep records of all "money" and "securities" so we can verify the amount of any loss or damage. (5) Additional Conditions: (a) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (b) Non -Cumulation of Limit of Insurance Regardless of the number of years this Coverage Part remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (6) The most we will pay for loss in any one occurrence under this Coverage Extension is: (a) The limit shown in the Declarations for Inside the Premises for "money" and "securities" while: (i) In or on the "scheduled premises"; or (ii) Within a bank or savings institution; and (b) The limit shown in the Declarations for Outside the Premises for "money" and "securities" while anywhere else. eGF �D Form SP 30 28 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ELECTRONIC DATA This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Electronic Data (1) We will pay for the cost to replace or restore your "electronic data" or "electronic data" of others which is in your care, custody or control which has been destroyed or corrupted, or access to such "electronic data" has been prevented, by a: (a) Covered Cause of Loss; or (b) "Computer" virus, malware, harmful code or similar instruction introduced into or enacted on a "computer' system (including "electronic data") or a network to which it is connected, designed to damage or destroy any part of the system or disrupt its normal operation. (2) Valuation (a) Loss or damage to "electronic data" will be valued at the actual, reasonable and necessary costs you incur to restore or replace the "electronic data". But we will not pay the cost or expenses you incur to: (i) Identify or remediate any errors or vulnerabilities or to update, restore, replace, upgrade, maintain or improve any "computer' or computer system; (ii) Update, replace, restore or improve any "electronic data" to a level beyond the condition in which it existed immediately preceding the loss or damage; or (iii) Duplicate research that led to the development of your "electronic data" or any proprietary or confidential information or intellectual property in any form. (b) To the extent that "electronic data" is not replaced or restored, the loss will be valued at the cost of replacement of the media on which the "electronic data" was stored, with blank media of substantially identical type. (c) If you recover from a licenser, lessor or any other party for loss or damage to "electronic data", our loss payment to you will be reduced by the amount of such recovery. (3) Paragraph 1.j., Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)", of Section B., EXCLUSIONS, does not apply to the coverage provided in Paragraph (1)(b) of this Coverage Extension. (4) We will not pay for: (a) Loss or damage caused by or resulting from manipulation of a "computer" system (including "electronic data") by any "employee", including a temporary or leased "employee", or by an entity retained by you, or for you, to inspect, design, install, modify, maintain, repair or replace that system; (b) Loss or damage caused by theft, observation, publication, unauthorized access to or loss of confidentially of your "electronic data" or "electronic data" of others in your care, custody or control. (5) This Coverage Extension does not apply to your "stock" of prepackaged software, or to "electronic data" which is integrated in and operates or controls a building's elevator, lighting, heating, ventilation, air conditioning or security system. (6) The most we will pay for all occurrences in any one "policy year" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Electronic Data. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that "policy year". With respect to an occurrence which begins in one "policy year" and continues or results in additional loss eGF �D Form SP 30 29 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD "policy year(s)", all loss or damage is deemed to be sustained in the "policy year" in which the occurrence began. B. The following definition is added to Section G., PROPERTY DEFINITIONS: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. eGF �D Form SP 30 29 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD INTERRUPTION OF COMPUTER OPERATIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Interruption Of Computer Operations (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "computer operations period of restoration" due to a suspension of your "computer operations" caused by destruction or corruption of, or inability to access, retrieve, or process your "electronic data" or "electronic data" of others in your care, custody or control due to a: (a) Covered Cause of Loss; or (b) "Computer" virus, malware, harmful code "computer' system (including "electronic connected network of others in your care systems or disrupt their normal operation. (2) Business Income means the: or similar instruction introduced into or enacted on your data") or connected network, or a "computer" system or , custody or control, designed to damage or destroy such (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if "computer operations" had not been interrupted, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the interruption of business and to continue "computer operations"; or (b) To minimize the interruption of business if you cannot continue "computer' operations"; or to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your "computer operations". (7) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "computer operations period of restoration", once "computer operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. eGF �D Form SP 30 30 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (8) You must resume all or part of your "computer operations" as quickly as possible. We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume "computer operations", in whole, or in part, by using any other available means to continue your "computer operations". (9) We will not pay for any loss of Business Income or incurred Extra Expense related to: (a) An interruption related to manipulation of a "computer" system (including "electronic data") by any "employee", including a temporary or leased "employee", or by an entity retained by you, or for you, to inspect, design, install, modify, maintain, repair or replace that system. (b) Theft, observation, publication, unauthorized access to or loss of confidentially of your "electronic data" or "electronic data" of others in your care, custody or control. (c) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the interruption of "computer operations", we will cover such loss that affects your Business Income during the "computer operations period of restoration". (d) Any other consequential loss. (10)Paragraph 1.j., Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)", of Section B., EXCLUSIONS, does not apply to the coverage provided in Paragraph (1)(b) of this Coverage Extension. (11)This Coverage Extension does not apply when the suspension of your "computer operations" involves only "electronic data" which is integrated in and operates or controls a building's elevator, lighting, heating, ventilation, air conditioning or security system. (12)A waiting period may apply; however, no other deductible applies to this Coverage Extension. (13)The most we will pay for all occurrences in any one "policy year" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Interruption Of Computer Operations. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that "policy year". With respect to an occurrence which begins in one "policy year" and continues or results in additional loss or damage in a subsequent "policy year(s)", all loss or damage is deemed to be sustained in the "policy year" in which the occurrence began. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Computer operations" means the use of your "computer' or "computers" or others in your care, custody or control that enables you to conduct your business activities whether such "computer" is located at or away from the "scheduled premises". 2. The following definition is added: "Computer operations period of restoration" means: a. The period of time that: (1) Begins: (a) The number of hours stated in the Declarations after the destruction or corruption of "electronic data" for Business Income Coverage; or (b) Immediately upon (or after) the destruction or corruption of "electronic data" for Extra Expense Coverage; and; (2) Ends on the earlier of: (a) The date when the "electronic data" should be replaced or restored with reasonable speed and similar quality; or (b) The exhaustion of the number of consecutive months as shown in the Declarations. The expiration date of this Policy will not cut short the "computer operations period of r w RAMwagementDMsian Form SP 30 30 10 18 J_% F,oq REVIEWED & APPROVED BY.- © 2018, The Hartford I "° Is (May include copyrighted material of Insurance Services Office, Inc., with its - -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following definition is added: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. eGF �D Form SP 30 30 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BRANDS AND LABELS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Brands and Labels If, in the event of covered physical loss or physical damage to "stock" that is branded or labeled, and we elect to take all or any part of the physically damaged property at an agreed or appraised value, you may extend the insurance that applies to Covered Property to apply to: (1) Expenses you incur to: (a) Label or stamp salvage on the damaged "stock" or its containers, if doing so will not physically damage the property; or (b) Remove the brands or labels, if doing so will not physically damage the "stock". You must relabel the "stock" or its containers to comply with the law. (2) Any reduction in the salvage value of the physically damaged merchandise as a result of the removal of the brand or label. eGF �D Form SP 30 31 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CLAIM EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Claim Expense (1) In the event of covered physical loss or physical damage we will pay to cover reasonable expenses incurred by you at our specific request to assist us in: (a) The investigation of a claim or suit; or (b) The determination of the amount of loss, such as taking inventory, or auditing business records. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Claim Expense. eGF �D Form SP 30 32 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PAIRS OR SETS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Pairs or Sets (1) We will pay for consequential loss to your undamaged "stock" which is part of a pair or set that has become unmarketable as a complete product because of covered physical loss or physical damage. (2) Under this Additional Coverage, we will pay for the reduction in value of the pair or set before and after the covered loss or damage. eGF �D Form SP 30 33 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SALESPERSONS SAMPLES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Salespersons Samples (1) You may extend the insurance that applies to Covered Property to apply to: (a) Samples of your "stock" in trade (including containers); and (b) Similar property of others; but only while such property is in your custody while acting as a sales representative or the custody of your sales representatives or agents. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Salespersons Samples. eGF �D Form SP 30 34 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD VALUATION CHANGES: COMMODITY, FINISHED, AND MERCANTILE STOCK This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Paragraph 5.d. of Section E., PROPERTY LOSS CONDITIONS, of the Special Property Coverage Form: 1. The following is added: Commodity "Stock" We will determine the value of merchandise and raw materials that are bought and sold at an established market exchange. We will determine the value at: (a) The posted market price as of the time and place of loss; and (b) Less discounts and expenses you otherwise would have had. 2. The following is added: Finished "Stock" We will determine the value of goods that you have manufactured at the selling price less discounts and expenses you otherwise would have had. 3. The following is added: Mercantile "Stock" - Sold We will determine the value of goods you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had. eGF �D Form SP 30 35 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LOST KEYS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lost Keys We will pay, in any one occurrence, up to the Limit of Insurance shown in the Declarations for Lost Keys to cover the loss of your keys used to secure the "scheduled premises" due to theft or the loss of your customer's keys that were in your care, custody or control,. We will not pay more than the cost of the least of the following: (1) Re -key the locks; (2) Install new lock cylinders; (3) Provide new master keys; or (4) Replace existing locks with new locks of like kind and quality. ew cF RAMwagzmedDMsian Form SP 30 36 03 20 J_ ``x REVIEWED&APPROVED BY.- © 2020, The Hartford �� ., V (May include copyrighted material of Insurance Services Office, Inc., with its r Wsk"janagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CONTRACT PENALTIES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Contract Penalties (1) We will pay to cover contract penalties you are assessed due to your failure to complete a project within the time required as stipulated by contract if the failure to complete the project was caused by or resulted from a Covered Cause of Loss to Covered Property. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Contract Penalties. eGF �D Form SP 30 37 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXPEDITING EXPENSES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Expediting Expenses (1) You may extend the insurance that applies to the Extra Expense Coverage Extension to apply to necessary "expediting expenses" you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet of the "scheduled premises", caused by or resulting from a Covered Cause of Loss. (2) The most we will pay in any one occurrence for loss under this Coverage Extension is the Limit of Insurance shown in the Declarations for Expediting Expenses. B. The following definition is added to Section G., PROPERTY DEFINITIONS, of the Special Property Coverage Form: "Expediting expense" means the following reasonable and necessary additional expenses: a. Overtime wages; b. Extra cost of express or rapid means of transportation; c. Costs to make temporary repairs; d. Costs to expedite permanent repair or replacement of damaged Coverd Property; and e. Additional costs to provide training on replacement equipment that you incur in order to meet any delivery date that was scheduled immediately prior to the physical loss or physical damage to property at the "scheduled premises". eGF �D Form SP 30 38 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD NON -OWNED DETACHED TRAILERS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Non -owned Detached Trailers (1) We will pay for direct physical loss or direct physical damage caused by or resulting from a Covered Cause of Loss to trailers that you do not own, provided that the trailer: (a) Is used in your business; (b) Is in your care, custody or control at the "scheduled premises"; and (c) You have a contractual responsibility to pay for loss or damage to the trailer. (2) We will not pay for any loss or damage that occurs: (a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motorized conveyance is in motion; or (b) During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. (3) Paragraph d. within Paragraph A.2., Property Not Covered, does not apply to this Coverage Extension. (4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property. (5) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Non -Owned Detached Trailers. eGF �D Form SP 30 39 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Business Income For Off -Premises Utility Services (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises utility services period of restoration" due to the necessary suspension of your "operations" caused by the interruption of service to the "scheduled premises". The interruption must result from direct physical loss or direct physical damage by a Covered Cause of Loss to the following property not on the "scheduled premises": (a) "Communication supply services"; (b) "Power supply services"; (c) "Wastewater removal services" (other than an interruption in service caused by or resulting from a discharge of water or sewage due to heavy rainfall or flooding); or (d) "Water supply services". However, coverage under this Coverage Extension does not apply to loss of Business Income or incurred Extra Expense related to interruption in utility service which causes loss or damage to "electronic data", including destruction or corruption of "electronic data". (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if service to the "scheduled premises" had not been interrupted by direct physical damage or direct physical loss, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (i) At the "scheduled premises"; or (ii) At replacement premises or at temporary locations, including: (aa) Relocation expenses; and RAMwagementDMsian Form SP 30 40 10 18 ► E�AEWED & APPROVED BY.- © 2018, The Hartford ; (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (bb) Cost to equip and operate the replacement or temporary location, other than those costs necessary to repair or to replace damaged stock and equipment. (b) To minimize the suspension of business if you cannot continue "operations". (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension or the Business Income Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "off -premises utility services period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration". (c) Any other consequential loss. (10)Exclusion 13.1.d., Utility Services does not apply to this Coverage Extension. (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the limit shown in the Declarations for Business Income For Off -Premises Utility Services. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Off -premises utility services period of restoration": a. Means the period of time that begins: (1) The number of hours stated in the Declarations after direct physical loss of or direct physical damage to off -premises utility services for Business Income for Off -Premises Utility Services coverage; or (2) Immediately after the time of direct physical loss or direct physical damage to off -premises utility services for Extra Expense coverage; and ends on the date when service to the "scheduled premises" should be restored with reasonable speed and similar quality. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants and contaminants". The expiration date of this Policy will not cut short the "off -premises utility services period of restoration". eGF �D Form SP 30 40 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EMPLOYEE DISHONESTY COVERAGE - EXCLUDES ERISA COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extension, of the Special Property Coverage Form: Employee Dishonesty Coverage - Excludes Coverage For The Employee Retirement Income Security Act (ERISA) (1) We will pay for loss of, and loss from damage to, Covered Property resulting directly from the Covered Causes of Loss. Covered Property, as used in this Coverage Extension, means "money", "securities", and other tangible property of intrinsic value which is not otherwise excluded. Covered Causes of Loss, as used in this Coverage Extension, means dishonest acts committed by an "employee", except you, whether identified or not, acting alone or in collusion with other persons, with the manifest intent to: (a) Cause you to sustain loss; and also (b) Obtain financial benefit (other than salaries, commissions, fees, bonuses, promotions, awards, profit sharing or pensions or other "employee" benefits earned in the normal course of employment) for: (i) That "employee"; or (ii) Any person or organization intended by the "employee" to receive that benefit. (2) Additional Coverages (a) We will pay for loss of Covered Property arising out of a Covered Cause of Loss caused by any "employee" while temporarily outside the Coverage Territory for a period of not more than 90 days. (b) We will pay for any loss of Covered Property arising out of a Covered Cause of Loss caused by your "employee" while at the premises of your client or customer. Any claim for loss sustained by any client or customer and covered by this policy may only be made by you in your Proof of Loss. No third party has a direct right against this insurance and no third party may make a direct claim against us as the writer of your insurance. (3) Limitation AA.c., of the Special Property Coverage Form does not apply to coverage provided by this endorsement. (4) Additional Exclusions (a) We will not pay for loss of funds and other property of any Employee Welfare Benefit Plan or an Employee Benefit Pension Plan that is subject to the bond requirements of Section 412 of ERISA. (b) We will not pay for loss caused by any "employee" of yours, or predecessor in interest of yours, for whom similar prior insurance has been terminated and not reinstated since the last such termination. (c) We will not pay for direct or indirect loss resulting from contractual or extra -contractual liability sustained by you in connection with the issuance of contracts or purported contracts of insurance, indemnity or suretyship. (d) We will not pay loss, or that part of any loss, if the proof of its existence or amount is dependent upon: (i) An inventory computation; or (ii) A profit and loss computation. (e) We will pay only for loss caused by any partner or "member" of a limited excess of the sum of: Form SP 30 42 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManWmad DMsian ke/ 1'x REVIEWED & APPROVED BY.- 1,,; "° wd --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (i) Any amounts you owe that partner or "member"; and (ii) The value of that partner's or "member's" ownership interest as determined by the closing of your organization's books on the date of discovery of the loss by anyone in your organization not involved in the "employee" dishonesty; and (iii) Any applicable deductible amount. (f) We will not pay for loss resulting directly or indirectly from trading, whether in your name or in a genuine or fictitious account. (5) Additional Conditions (a) This insurance is terminated as to any "employee": (i) Immediately upon discovery by you, or any of your partners, officers or directors not in collusion with the "employee", of any dishonest act committed by that "employee" whether before or after becoming employed by you; or (ii) On the date specified in a notice mailed to you. That date will be at least 30 days after the date of mailing. The mailing of notice to you at the last mailing address known to us will be sufficient proof of notice. Delivery of notice is the same as mailing. (b) As used in this Coverage Extension, occurrence means all loss caused by, or involving, one or more "employees", whether the result of a single act or series of acts. (c) We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this policy has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this policy. (d) Regardless of the number of years this insurance remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (e) If any loss is covered under this Policy and under any prior cancelled or terminated insurance that we or any affiliate had issued to you, we will not pay more than the highest single Limit of Insurance. (f) The property covered under this insurance is limited to property: (i) That you own or hold; or (ii) For which you are legally liable. However, this insurance is for your benefit only. It provides not rights or benefits to any other person or organization. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Employee Dishonesty Coverage - Excludes ERISA Compliance. The Additional Coverages listed in (2)(a) and (2)(b) above are included in this Limit of Insurance. eGF �D Form SP 30 42 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD THEFT DAMAGE TO BUILDING This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Theft Damage to Building (1) This Additional Coverage applies only to premises where you are a tenant and are responsible in the lease for physical loss or physical damage to the building you lease, rent, or occupy that is caused by or results from "theft", burglary or robbery. (2) We will pay for direct physical loss or direct physical damage directly resulting from "theft", burglary or robbery (except loss by fire or explosion) to a building: (a) You occupy, including personal property that is used to maintain or service the building; or (b) Containing covered personal property but only if you are legally liable for such physical loss or physical damage to the building. But we will not pay for such physical loss of or physical damage to property that is away from the "scheduled premises". eGF �D Form SP 30 44 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM OFF -PREMISES OPERATIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income From Off -Premises Operations (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises period of restoration" due to the necessary suspension of your "off -premises operations". The suspension must be caused by direct physical loss of or direct physical damage to Covered Property caused by or resulting from a Covered Cause of Loss. Such Covered Property must be in your care, custody, or control and more than 1,000 feet away from the "scheduled premises" (including while in transit) but located within the Coverage Territory. However, this Coverage Extension does not apply to: (a) Any loss or damage to Covered Property located at a newly acquired or constructed location; or (b) At any location you own or lease which is not a "scheduled premises". (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "off -premises operations"; (b) To minimize the suspension of business if you cannot continue "off -premises operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) Coverage Extension for Extended Business Income. eGF �D Form SP 30 45 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD If the necessary suspension of your "off -premises operations" produces a Business Income loss payable under Paragraph (1) above, we will pay for the actual loss of Business Income you incur during the period that: (a) Begins on the date property, other than finished stock, is actually repaired, rebuilt or replaced and "off -premises operations" are resumed; and (b) Ends on the earlier of: (i) The date you could restore your "off -premises operations" with reasonable speed, to the condition that would have existed if no direct physical loss or direct physical damage occurred; or (ii) 45 consecutive days after the date determined in Paragraph (1)(a) above, unless a different time period is shown in the Declarations for Extended Business Income. However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the "scheduled premises" is located. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "off -premises period of restoration", once "off -premises operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "off -premises operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "off -premises operations', we will cover such loss that affects your Business Income during the "period of restoration". (c) Any other consequential loss. (10)Under this Coverage Extension, coverage for Business Income and Extra Expense does not apply when the suspension of "off -premises operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence for all Business Income, Extended Business Income and Extra Expense under this Coverage Extension is the limit shown in the Declarations for Business Income From Off -Premises Operations. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Off -premises operations" means your business activities occurring more than 1,000 feet away from the "scheduled premises" but within the coverage territory. 2. The following definition is added: "Off -premises period of restoration" means: a. The period of time that: (1) Begins: (a) The number of hours stated in the Declarations after direct physical loss of or direct physical damage for Business Income from Off -Premises Operations coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from a Covered Cause of Loss, and eGF �D Form SP 30 45 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) Ends on the date when the Covered Property should be repaired, rebuilt or replaced with reasonable speed and similar quality. b. "Off -premises period of restoration" does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants and contaminants". The expiration date of this policy will not cut short the 'off -premises period of restoration". eGF �D Form SP 30 45 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FRAUDULENT TRANSFER COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Fraudulent Transfer Coverage (1) We will pay for loss of or damage to your "money", "securities" and "other property" following and directly related to the use of any electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction to fraudulently cause a transfer of that property from the "scheduled premises", bank or savings institution to a person (other than a "messenger") or place outside those premises. (2) We will pay for loss of your "money" and "securities" resulting directly from a "fraudulent instruction" directing a financial institution to transfer, pay or deliver "money" and "securities" from your "transfer account". (3) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (4) Limitation A.4.a.(2) and Exclusions 13.1.j.(3) and 13.2.1h. do not apply to this Coverage Extension. (5) Under this Coverage Extension, we will not pay for: (a) Loss or damage caused by or resulting from the use or purported use of credit, debit, charge, access, convenience, identification, stored -value or other cards or the information contained on such cards. (b) Loss, or that part of any loss, for which the proof of its existence or amount is dependent upon: (i) An inventory computation; or (ii) A profit or loss computation. (6) The most we will pay for loss in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Fraudulent Transfer Coverage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Fraudulent instruction" means: a. An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by you, but which was in fact fraudulently transmitted by someone else without your knowledge or consent; b. A written instruction issued by you, which was forged or altered by someone other than you without your knowledge or consent or which purports to have been issued by you, but was in fact fraudulently issued without your knowledge or consent; or c. An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruction initially received by you which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without your or the employee's knowledge or consent. 2. The following definition is added: "Other property" means any tangible Covered Property other than "money" and "securities" that has intrinsic value. eGF �D Form SP 30 46 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— WWR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following definition is added: "Transfer account" means an account maintained by you at a financial institution from which you can initiate the transfer, payment or delivery of "money" and "securities": a. By means of electronic, telegraphic, cable, teletype, telefacsimile or telephone instructions communicated directly through an electronic funds transfer system; or b. By means of written instructions establishing the conditions under which such transfers are to be initiated by such financial institution through an electronic funds system. eGF �D Form SP 30 46 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM WEBSITES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income from Websites (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "website interruption period of restoration" due to the necessary suspension of your "operations" caused by or resulting from direct physical loss or direct physical damage to property at the premises of a vendor that provides you with "on-line access" services. Such direct physical loss or direct physical damage must be caused by or result from a Covered Cause of Loss. (2) This Coverage Extension applies only if you regularly back-up software, data, or other information in electronic form at a location other than the site of the website vendor. (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "website interruption period of restoration", once your "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: eGF �D Form SP 30 47 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "website interruption period of restoration". (c) Any other consequential loss. (10)Under this Coverage Extension, coverage for Business Income and Extra Expense does not apply when the suspension of "operations" is caused solely by the destruction or corruption of "electronic data", or any loss or damage to "electronic data". (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Business Income From Websites. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "On-line access" means: a. Accessing information made available by third parties; or b. Making information available to third parties via "computer" or other electronic systems. 2. The following definition is added: "Website interruption period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income from Websites coverage, or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; and (2) Ends on the earlier of: (a) The date when the property at the premises of the vendor that provides you with "on-line access" services should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) The date when your "operations" are resumed through a new vendor which provides "on-line access"; or (c) Exhaustion of the number of days as shown in the Declarations as the Business Income from Websites Period of Restoration. The expiration date of this Coverage Part will not cut short the "website interruption period of restoration". eGF �D Form SP 30 47 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— WWR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRANSIT COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Transit Coverage (1) The insurance that applies to your Business Personal Property and Personal Property of Others is extended to apply to shipments of that property in the care of a carrier for hire while in transit at your risk, by motor vehicle, railroad car or aircraft between points within the Coverage Territory. This includes property you have sold and for which your responsibility continues until it is delivered. (2) This Coverage Extension also applies to: (a) Expenses to Inspect, Repackage and Reship Damaged Shipments The necessary additional expenses you incur to inspect, repackage and reship Covered Property which is physically damaged as a direct result of a Covered Cause of Loss. (b) Expenses to Protect Covered Property from Spoilage or Change in Temperature The necessary additional expense you incur to temporarily store Covered Property in a temperature controlled environment in order to avoid or minimize physical loss or physical damage to such property from spoilage or change in temperature. Such temporary storage must be made necessary by the sudden and accidental breakdown of heating or refrigeration unit(s) on transporting conveyances. This additional expense will not include: (i) Expenses to repair or replace heating or refrigeration unit(s); (ii) Costs or penalties due to detention or delay of any vehicles, trailers, conveyances or containers; or (iii) Costs for additional wages, room, board or meals. (c) F.O.B. Shipments Outgoing shipments where the risk of physical loss or physical damage is transferred to the buyer when such property leaves your premises. You must use all reasonable means to collect the amount due to you from the buyer before making a claim under this Transit Coverage. We will not make payment until you grant us the right of recovery against the buyer. (d) Loading and Unloading Shipments during loading or unloading and within 500 feet of any transporting conveyance. (e) Return Shipments Outgoing shipments which have been rejected by the consignee or are not deliverable, while: (i) In due course of transit, being returned to you; or (ii) Up to 10 days after delivery or attempted delivery awaiting return shipment to you. Payment under Paragraphs (a), (b), (c), (d) and (e) above will not increase the Transit Coverage Limit of Insurance. (3) Limitation A.4.c.(3) which limits coverage for patterns, dies, molds and forms does not apply to this Coverage Extension. (4) Exclusions (a) Exclusions 13.1.a., Earth Movement, and 13.1.f., Water, do not apply t w RAMwagementDMsian Form SP 30 48 10 18 J_% F,oq REVIEWED & APPROVED BY: © 2018, The Hartford 1 `" "° (May include copyrighted material of Insurance Services Office, Inc., with its - -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) Exclusions 13.2.g., Dishonesty, and 13.2.i., Exposed Property, do not apply to property in the custody of a carrier for hire. (c) Exclusion 13.2.h., False Pretense, does not apply to loss or damage caused by your good faith acceptance of false bills of lading or shipping receipts. (d) We will not pay for physical loss or physical damage caused by or resulting from poor or insufficient packaging or packing. (e) We will not pay for: (i) Property in care, custody or control of you, your salespersons, or your "employees"; (ii) Mail shipments in the custody of the U.S. Postal Service; (iii) Property of Others for which you are responsible as a: (aa) Carrier for hire; or (bb) Carloader, consolidator, broker, freight forwarder, shipping association, or other arranger of transportation; or (iv) Property in or on a motor vehicle you own, lease or operate. (f) We will not pay for physical loss or physical damage, if you impair our rights to recover damages from any carrier for hire. But you may accept from carriers for hire bills of lading, receipts or contracts of transportation which contain a limitation of value. (5) With respect to payments under this Coverage Extension only, the following is added to Paragraph 5.d. within Section E., PROPERTY LOSS CONDITIONS: Valuation of Property in Transit (a) Property You Own (i) The value of Covered Property will be the amount of invoice plus accrued charges, prepaid charges and charges since shipment; or (ii) In the absence of an invoice, the value of Covered Property will be its actual cash value, with proper deduction for depreciation, at the point of destination on the date of expected arrival. (b) Property of Others The most we will pay for Covered Property owned by others is the lesser of: (i) Your legal liability for direct physical loss or physical damage to such property; or (ii) What we would pay if you had owned the property. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Transit Coverage. eGF �D Form SP 30 48 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SUMP OVERFLOW AND SUMP PUMP FAILURE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Sump Overflow and Sump Pump Failure (1) You may extend the insurance that applies to Covered Property and Business Income and Extra Expense (if the Business Income and Extra Expense Coverage Extensions are included in this Coverage Part), to apply to direct physical loss or direct physical damage to Covered Property that is caused by or resulting from water that overflows due to the failure of a sump pump, sump pump well, or any other type of system designed to remove subsurface water from the foundation area if the failure is directly or indirectly the result of a Covered Cause of Loss. Failure means an abrupt cessation of normal functioning. THIS IS NOT FLOOD INSURANCE We will not pay for water or other materials that overflow from a sump when the overflow is caused by any flood. This applies regardless of the proximity of the flood to Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (2) Paragraph 13.1.d., Utility Services, and Paragraph 13.1.f.(3) within the Water exclusion do not apply to this Coverage Extension. (3) The most we will pay in any one occurrence under this Coverage Extension, including any payments for lost Business Income or incurred Extra Expense, is the Limit of Insurance shown in the Declarations for Sump Overflow and Sump Pump Failure. eGF �D Form SP 30 49 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Off -Premises Utility Services — Direct Damage (1) We will pay for direct physical loss of or direct physical damage to Covered Property caused by the interruption of utility service to the "scheduled premises". The interruption must result from direct physical loss or direct physical damage by a Covered Cause of Loss to the following property not on the "scheduled premises": (a) "Communication supply services"; (b) "Power supply services"; (c) "Wastewater removal services" (other than an interruption in service caused by or resulting from a discharge of water or sewage due to heavy rainfall or flooding); or (d) "Water supply services". (2) Exclusion 13.1.d., Utility Services does not apply to this Additional Coverage. (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Off -Premises Utility Services — Direct Damage. eGF �D Form SP 30 50 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SPOILAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Spoilage (1) We will pay for physical loss or physical damage to your "perishable goods" at or within 1,000 feet of the "scheduled premises" caused by or resulting from: (a) A change in temperature or humidity resulting from: (i) "Mechanical breakdown accident" or failure of: (aa) Stationary heating plants; or (bb) Refrigerating , cooling or humidity control apparatus or equipment; But only while such plants, equipment or apparatus are at the "scheduled premises". (ii) Complete or partial failure of electric power, either on or away from your "scheduled premises". Such failure of power must be due to conditions beyond your control; (iii) Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network; or (b) Contamination by a refrigerant. (2) We will not pay for loss of or damage to perishable "stock" located: (a) On buildings; (b) In the open; or (c) In any vehicle, other than trailers or refrigerated vehicles used for storage located within 1,000 feet of the "scheduled premises". (3) Coverage Extension — Business Income and Extra Expense (a) You may extend the insurance that applies to the Business Income and Extra Expense Coverage Extensions, when such Coverage Extensions are attached to this Coverage Part, to apply to the actual loss of Business Income you sustain and necessary Extra Expense you incur due to the necessary suspension of your "operations" during the "period of restoration". The suspension must be caused by or resulting from covered physical loss of or physical damage to "perishable goods" as described in this Coverage Extension. (b) With respect to this Coverage Extension only, Paragraph 10.a.(1)(a) within the definition of "period of restoration" is deleted and replaced with the following: The number of hours shown as the Spoilage Waiting Period in the Declarations after the time of physical loss or physical damage for Business Income Coverage; or (c) No other deductible applies to this Coverage Extension. (d) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Spoilage Business Income Limit. (4) None of the exclusions under Section B., EXCLUSIONS, apply to this Coverage Extension except the following: (a) Exclusion B.1.a., Earth Movement; (b) Exclusion B.1.b., Governmental Action; (c) Exclusion B.1.c., Nuclear Hazard; eGF �D Form SP 30 51 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (d) Exclusion 13.1.e., War and Military Action; and (e) Paragraph 13.1.f., Water. (5) Additional Exclusions We will not pay for loss or damage caused by or resulting from: (a) The disconnecting of any of the following systems from the source of power: (i) Refrigerating; (ii) Cooling; or (iii) Humidity control. (b) The loss of electrical power caused by the shutting off of any switch or other device used to control the flow of electric power or current. (c) The inability of an electrical utility company, your stationary heating plant or any other power source to provide sufficient heat or power due to: (i) Lack of fuel; (ii) Lack of capacity to make enough heat or power; or (iii) Order of the government. (d) Breaking of any glass that is a permanent part of a refrigerating, cooling or humidity control unit. (6) Additional Conditions (a) We will pay for physical loss or physical damage under this Coverage Extension only when such physical loss or physical damage is not covered elsewhere in this Coverage Part or Policy or any other policy that insures "perishable goods" at the "scheduled premises". (b) In the event of physical loss or physical damage, none of the other coverages under this Coverage Part or Policy or any other policy will share in its payment unless the provisions of the Coverage Part or policy are similar to the provisions of this Coverage Extension. (c) We will not make payment for "perishable goods" that were beyond their expiration date at the time of loss. (d) If an item of "perishable goods" consists of multiple doses or other measurable units, we will only pay your costs to replace the number doses or measurable units that were lost or damaged. (7) Valuation (a) With respect to this Coverage Extension only, Paragraph E.5.d. within the Loss Payment Condition does not apply to physical loss or physical damage to "perishable goods". (b) "Perishable goods" will be valued at Replacement Cost. (c) As it pertains to coverage under this Coverage Extension, Replacement Cost means the reasonable cost that you incur to replace such property. For "perishable goods" that are no longer available at the time of loss (such as seasonal fruits, vegetables, or vaccinations), you may make claim for the costs you incurred to purchase them. (8) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Spoilage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Mechanical breakdown accident" means: a. Breaking or separation of any mechanical part(s) other than gas pipes or lines; or b. Burning out of any electrical motor servicing such unit; and requiring repair or replacement of the damaged parts to become functional. But "mechanical breakdown accident" does not mean faulty operation or failure of equipment which results in a change in temperature or humidity but does not require repair or replacement of broke eGF �D Form SP 30 51 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 2. The following definition is added: "Perishable goods" means personal property: a. Maintained under controlled temperature or humidity conditions for preservation; and b. Susceptible to loss or damage if the controlled temperature or humidity conditions change. eGF �D Form SP 30 51 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD UNAUTHORIZED BUSINESS CARD USE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Unauthorized Business Card Use (1) We will pay for loss resulting from the theft or unauthorized use of business credit, debit or charge cards issued to you or registered in your name or the name of your business. (2) We will not cover the use of a business credit, debit or charge card: (a) By a person who has been entrusted with the card; or (b) Any of your "employees". (3) All loss: (a) Caused by one or more persons; (b) Involving a single act or a series of related acts; is considered one occurrence regardless or the number of individual unauthorized transactions. (4) If suit is brought against you for liability arising out of a loss resulting from the theft or unauthorized use of your business card, credit, debit or charge card, we will pay for reasonable legal expenses incurred in that defense under this Coverage Extension. (5) The most we will pay in any one occurrence under this Coverage Extension, including legal expenses described in Paragraph (4) above, is the Limit of Insurance shown in the Declarations for Unauthorized Business Card Use. eGF �D Form SP 30 52 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PAVED SURFACES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Paved Surfaces (1) You may extend the insurance that applies to Covered Property to apply to direct physical loss or direct physical damage by a Covered Cause of Loss to paved surfaces, including but not limited to: (a) Bridges; (b) Roadways; (c) Walks; (d) Patios; and (e) Parking lots; but only if you are legally liability for such physical loss or physical damage. (2) We will not pay for loss or damage caused by tree roots, freezing, thawing or normal deterioration. (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Paved Surfaces. eGF �D Form SP 30 53 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LEASEHOLD IMPROVEMENTS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Leasehold Improvements (1) If your lease is cancelled in accordance with a valid lease provision as the direct result of a Covered Cause of Loss to property at the location in which you are a tenant, and you cannot legally remove "tenant improvements and betterments", we will extend Business Personal Property coverage to apply to the unamortized value of "tenant improvements and betterments" that remain and that you were forced to abandon. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Leasehold Improvements. eGF �D Form SP 30 54 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FINE ARTS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Fine Arts Coverage (1) We will pay for direct physical loss or direct physical damage to "fine arts" located at the "scheduled premises", in transit to and from the "scheduled premises" or at your residence which are: (a) Owned by you; or (b) Owned by others but in your care, custody or control. (2) Additional Limitation: Art glass windows, glassware, statuary, marbles, bric-a-brac, porcelains and other articles of fragile or brittle nature are covered against loss by breakage only if such loss or damage is caused by a "specified causes of loss." (3) Section B., EXCLUSIONS, does not apply to this Coverage Extension, except for: (a) Paragraph 13.1.1b., Governmental Action; (b) Paragraph 13.1.c., Nuclear Hazard; and (c) Paragraph 13.1.e., War and Military Action. (4) Under this Coverage Extension, we will not pay for loss or damage: (a) Caused by or resulting from: (i) Delay, loss of use, loss of market, or any other causes of consequential loss; (ii) Wear and tear, depreciation or obsolescence; (iii) Rust, corrosion, "fungi", decay, deterioration, hidden or latent defect, or any quality in property that causes it to damage or destroy itself; (iv) Insects, birds, rodents or other animals. (v) Dishonest acts by: (aa) You or any of your partners; (bb) Your directors or trustees; (cc) Your authorized representatives or "employees"; or (dd) Anyone, other than a carrier for hire, to whom you entrusted the Covered Property, including their "employees", for any purpose: Whether acting alone or in collusion with others; and Whether or not occurring during the hours of employment; (vi) Voluntary parting with any property whether or not induced to do so by any fraudulent scheme, trick, device or false pretense; (vii) Unauthorized instructions to transfer property to any person or to any place; (viii)Theft from any unattended vehicle unless at the time of theft its windows, doors and compartments were closed and locked and there are visible signs that the theft was the result of forced entry. But this exclusion does not apply to property in the custody of a carrier for hire; (ix) Processing or work upon the property; or eGF �D Form SP 30 55 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) To "fine arts" on exhibition at fairgrounds or at any type of exposition, unless such locations are listed and described in the Declarations. (5) Additional Conditions (a) Valuation "Fine arts" covered under this Coverage Extension will be valued at the market value at the time of loss or damage. (b) Pair or Set In case of total loss to a "fine art" item which is part of a pair or set, we agree to pay you the full market value of the pair or set and you agree to surrender the remaining item(s) of the pair or set to us. (c) Packing You agree that "fine arts" will be packed and unpacked by competent packers. (d) Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the "fine arts", subject to the Limit of Insurance. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Fine Arts Coverage. B. The following definition is added to Section G., DEFINITIONS: "Fine arts" means paintings, etchings, pictures, tapestries, rare art glass, art glass windows, valuable rugs, statuary, sculptures, antique jewelry, bric-a-brac, porcelains and similar property of rarity, historical value or artistic merit. eGF �D Form SP 30 55 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BACK-UP OF SEWERS AND DRAINS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Back -Up of Sewer or Drain Water Damage (1) We will pay for direct physical loss or direct physical damage to Covered Property solely caused by or resulting from water that backs up from a sewer or drain. THIS IS NOT FLOOD INSURANCE We will not pay for water or other materials that back up from any sewer or drain when it is caused by any flood. This applies regardless of the proximity of the flood to Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (2) Paragraph (3) of Exclusion B.1.f., Water, does not apply to this Additional Coverage. However, the remainder of Exclusion B.1.f., Water, remains in full force and effect. (3) Additional Exclusions (a) We will not pay for loss or damage caused by or resulting from water or other materials that back up from any sewer or drain when it is caused by any flood. This applies regardless of the proximity of the flood to the Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (b) Sump overflow that does not occur concurrently with a back-up of a sewer or drain is not covered by this endorsement. eGF �D Form SP 30 57 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUILDING PROPERTY OF OTHERS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Building Property of Others (1) If you occupy a "scheduled premises" as a tenant, and a written lease or rental agreement for that "scheduled premises" requires you to pay for loss or damage to a part of building property you do not own, we will pay for direct physical loss or direct physical damage to that part of building property, other than exterior building glass, caused by or resulting from a Covered Cause of Loss. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Building Property of Others. eGF �D Form SP 30 59 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COMPUTERS WORLDWIDE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Computers Worldwide (1) We will pay for direct physical loss or direct physical damage to your "computers" anywhere in the world, including while in transit, caused by or resulting from a Covered Cause of Loss. (2) We will not pay for loss or damage caused by, resulting from or arising out of the theft of "computers" which are in transit as checked baggage. (3) The coverage territory defined in Paragraph F.5.b. does not apply to this Coverage Extension. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Computers Worldwide. eGF �D Form SP 30 60 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRANSIT BUSINESS INCOME This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Transit Business Income (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "transit period of restoration" due to the necessary suspension of your "operations" caused by or resulting from direct physical loss or direct physical damage to Covered Property in transit. Such direct physical loss or direct physical damage must be caused by or resulting from a Covered Cause of Loss. (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "transit period of restoration", once your "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. eRAMwagmedDMsiun Form SP 30 61 10 18 GF �/ �. �� RE�AexrED & APPROVED Sr: x © 2018, The Hartford 1 "" �"° (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "transit period of restoration". (c) Any other consequential loss. (10)A waiting period may apply, however, no deductible applies to this Coverage Extension. (11)The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Transit Business Income. B. The following definition is added to Section G. PROPERTY DEFINITIONS: "Transit period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage to Covered Property in transit for Business Income coverage under the Transit Business Income Coverage Extension; or (b) Immediately after the time of direct physical loss or direct physical damage to Covered Property in transit for Extra Expense coverage; and (2) Ends on the earlier of: (a) The date when the damaged Covered Property should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) Exhaustion of the number of consecutive months as shown on the Declarations as the Transit Business Income Period of Restoration. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "transit period of restoration". eGF �D Form SP 30 61 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OUTDOOR SIGNS ON PREMISES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions: Outdoor Signs On Premises (1) We will pay for direct physical loss or direct physical damage to outdoor signs at the "scheduled premises" which are: (a) Owned by you; or (b) Owned by others but in your care, custody or control. (2) Section B., EXCLUSIONS, does not apply to this Coverage Extension, except for: (a) Exclusion 13.1.1b., Governmental Action; (b) Exclusion 13.1.c., Nuclear Hazard; and (c) Exclusion 13.1.e., War and Military Action; (3) Under this Coverage Extension, we will not pay for loss or damage caused by or resulting from: (a) Wear and tear; (b) Hidden or latent defect; (c) Rust; (d) Corrosion; or (e) Mechanical breakdown. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Outdoor Signs On Premises. eGF �D Form SP 31 35 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM - SPECIAL PROPERTY COVERAGE FORM This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section E. PROPERTY LOSS CONDITIONS: 1. The following is added: Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for a portion of such insured losses, as indicated in the table below that exceeds the applicable insurer deductible: Calendar Year Federal Share of Terrorism Losses 2015 85% 2016 84% 2017 83% 2018 82% 2019 81 % 2020 or later 80% However, if aggregate industry insured losses attributable to "certified acts of terrorism" under the federal Terrorism Risk Insurance Act, as amended (TRIA), exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. The United States government has not charged any premium for their participation in covering terrorism losses. 2. The following is added: Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year, and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro-rata basis in accordance with procedures established by the Treasury, based on its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. B. The following is added to Section G. PROPERTY DEFINITIONS: "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of federal Terrorism Risk Insurance Act, to be an act of terrorism under TRIA. The criteria contained in TRIA for a "certified act of terrorism" include the following: a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and c. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals acting as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. eGF �D Form SP 70 03 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD C. The following is added to Section F. PROPERTY GENERAL CONDITIONS: Application Of Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Form or Policy, such as losses excluded by the Pollution Exclusion, Nuclear Hazard Exclusion and the War And Military Action Exclusion. eGF �D Form SP 70 03 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS - SOUTH CAROLINA WIND PREMIUM NOTIFICATION Thank you for trusting The Hartford with your Business Insurance needs. You are receiving this notice because South Carolina law requires that we show you the portion of your property premium allocated to wind/hail coverage versus non-wind/hail coverage. The average percentage of Spectrum policy premium allocated to wind/hail coverage is shown in the tables below. There may be individual exceptions to the ranges indicated below based on your specific policy selections. Should you have any questions please contact your agent, broker or representative. Wind/Hail Premium Percentage by Location County Tables: County % Premium Abbeville 10% to 20% Aiken 20% to 30% Allendale 15% to 25% Anderson 10% to 20% Bamberg 20% to 30% Barnwell 0% to 10% Beaufort 25% to 35% Berkeley 30% to 40% Calhoun 15% to 25% Charleston 30% to 40% Cherokee 10% to 20% Chester 10% to 20% Chesterfield 15% to 25% Clarendon 30% to 40% Colleton 30% to 40% Darlington 25% to 35% Dillon 30% to 40% Dorchester 25% to 35% Edgefield 10% to 20% Fairfield 15% to 25% Florence 30% to 40% Georgetown 30% to 40% Greenville 15% to 25% County % Premium Greenwood 15% to 25% Hampton 25% to 35% Horry 45% to 55% Jasper 20% to 30% Kershaw 20% to 30% Lancaster 15% to 25% Laurens 10% to 20% Lee 30% to 40% Lexington 25% to 35% Marion 25% to 35% Marlboro 15% to 25% McCormick 15% to 25% Newberry 20% to 30% Oconee 10% to 20% Orangeburg 25% to 35% Pickens 10% to 20% Richland 20% to 30% Saluda 10% to 20% Spartanburg 15% to 25% Sumter 25% to 35% Union 10% to 20% Williamsburg 30% to 40% York 20% to 30% eGF �D Form SP 90 05 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt BUSINESS LIABILITY COVERAGE FORM READ YOUR POLICY CAREFULLY QUICK REFERENCE A. COVERAGES Business Liability Medical Expenses Coverage Extension - Supplementary Payments B. EXCLUSIONS C. WHO IS AN INSURED D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit 3. Legal Action Against Us 4. Separation Of Insureds 5. Representations 6. Other Insurance 7. Transfer Of Rights Of Recovery Against Others To Us F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS Form SL 00 00 10 18 THE HARTFORD Beginning On Page 1 1 2 2 3 12 14 15 15 15 16 16 16 16 18 18 ew cF RAMwagmedDMsian �40 1°x REVIEWED & APPROVED BY: V"° --� Risk janagement Analyst THE HARTFORD BUSINESS LIABILITY 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 Part the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and 'bur" refer to the insurance company shown in the Declarations. "Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier. The word "insured" means any person or organization qualifying as such under Section C. Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F. Liability And Medical Expenses Definitions. A. COVERAGES 1. Business Liability Coverage (Bodily Injury, Property Damage, Personal And Advertising Injury) Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury", "property damage" or "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any 'occurrence" or offense and settle any claim or "suit" that may result. But: (1) The amount we will pay for damages is limited as described in Section D. Liability And Medical Expenses Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments, settlements or medical expenses to which this insurance applies. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Coverage Extension - Supplementary Payments. b. This insurance applies: (1) To "bodily injury" and "property damage" only if: (a) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; (b) The "bodily injury" or "property damage" occurs during the policy period; and (c) Prior to the policy period, no insured listed under Paragraph 1. of Section C. Who Is An Insured and no "employee" authorized by you to give or receive notice of an 'occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period. (2) To "personal and advertising injury" caused by an offense arising out of your business, but only if the offense was committed in the "coverage territory" during the policy period. c. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section C. Who Is An Insured or any "employee" authorized by you to give or receive notice of an 'occurrence" or claim: (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur. d. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury". e. Incidental Medical Malpractice (1) "Bodily injury" arising out of the rendering of or failure to render professional health care services as a physician, dentist, nurse, emergency medical technician or paramedic shall be deemed to be caused by an "occurrence", but only if: (a) The physician, dentist, nurse, emergency medical technician or paramedic is employed by you to provide such services; and (b) You are not engaged in the business or occupation of providing such services. (2) For the purpose of determining the limits of insurance for incidental medical malpractice, any act or omission together with all related acts or omissions in the furnishing of these services to any one person will be considered one "occurrence". 2. Medical Expenses Insuring Agreement a. We will pay medical expenses as described below for "bodily injury" caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (1) The accident takes place in the "coverage territory" and during the policy period; (2) The expenses are incurred and reported to us within three years of the date of the accident; and (3) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) First aid administered at the time of an accident; (2) Necessary medical, surgical, x-ray and dental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. 3. Coverage Extension - Supplementary Payments a. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: (1) All expenses we incur. (2) Up to $1,000 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which Business Liability Coverage for "bodily injury" applies. We do not have to furnish these bonds. (3) The cost of appeal bonds or bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish, finance, arrange for, guarantee, or collateralize these bonds, whether the collateralization is characterized as premium or not. (4) All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work. (5) All court costs taxed against the insured in the "suit". However, such costs do not include attorneys' fees, attorneys' expenses, witness or expert fees, or any other expenses of a party taxed against the insured. (6) Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--_--- Wsk Pjanagement Analpt THE HARTFORD (7) All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. Any amounts paid under (1) through (7) above will not reduce the Limits of Insurance. b. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met: (1) The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; (2) This insurance applies to such liability assumed by the insured; (3) The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; (4) The allegations in the "suit" and the information we know about the "occurrence" are such that no conflict appears to exist between the interests of the insured and the interest of the indemnitee; (5) The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and (6) The indemnitee: (a) Agrees in writing to: (i) Cooperate with us in the investigation, settlement or defense of the "suit"; (ii) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; (iii) Notify any other insurer whose coverage is available to the indemnitee; and (iv) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (b) Provides us with written authorization to: (i) Obtain records and other information related to the "suit"; and (ii) Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 1.b.(b) of Section B. Exclusions, such payments will not be deemed to be damages for "bodily injury" and "property damage" and will not reduce the Limits of Insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when: (1) We have used up the applicable limit of insurance in the payment of judgments or settlements; or (2) The conditions set forth above, or the terms of the agreement described in Paragraph (6) above, are no longer met. B. EXCLUSIONS 1. Applicable To Business Liability Coverage This insurance does not apply to: a. Expected Or Intended Injury (1) "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property; or (2) "Personal and advertising injury" arising out of an offense committed by, at the direction of or with the consent or acquiescence of the insured with the expectation of inflicting "pers cF RA ManWmad DMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--_--- Wsk Pjanagement Analpt THE HARTFORD b. Contractual Liability (1) "Bodily injury" or "property damage"; or (2) "Personal and advertising injury" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages because of: (a) "Bodily injury", "property damage" or "personal and advertising injury" that the insured would have in the absence of the contract or agreement; or (b) "Bodily injury" or "property damage" assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purpose of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "bodily injury" or "property damage" provided: (i) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same "insured contract"; and (ii) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; (3) Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; or (4) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury" or "property damage" involved that which is described in Paragraph (1), (2), (3) or (4) above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving, or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of (1) above. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must p injury. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ew cF RAMwagmedDMsian Jy/\'x REVIEWED & APPROVED BY.- ,v --� Risk janagement Analyst THE HARTFORD This exclusion does not apply to liability assumed by the insured under an "insured contract". f. Pollution (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to any insured. However, this paragraph does not apply to: (i) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii) "Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to this Coverage Part as an additional insured with respect to your ongoing operations performed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i) Any insured; or (ii) Any person or organization for whom you may be legally responsible; (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this paragraph does not apply to: (i) "Bodily injury" or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii) "Bodily injury" or "property damage" sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; or (e) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (b) Claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or responding to, or assessing the effects of, "pollutants". Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its IICUUdIILllll,., VI III d cF RAMwagmentDMsian Jy/ 1'x REVIEWED & APPROVED BY.- ,,; v --� Risk janagement Analyst THE HARTFORD However, this paragraph does not apply to liability for damages because of "property damage" that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a governmental authority. g. Aircraft, Auto Or Watercraft (1) Unmanned Aircraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This Exclusion g.(1) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". (2) Aircraft (Other Than Unmanned Aircraft), Auto or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and 'loading or unloading". This Exclusion g.(2) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This Exclusion g.(2) does not apply to: (a) A watercraft while ashore on premises you own or rent; (b) A watercraft you do not own that is: (i) Less than 51 feet long; and (ii) Not being used to carry persons or property for a charge; (c) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (d) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft (other than "unmanned aircraft") or watercraft; (e) "Bodily injury" or "property damage" arising out of: (i) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment"; or (ii) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged; or (f) An aircraft (other than "unmanned aircraft") that is not owned by any insured and is hired, chartered or loaned with a paid crew. However, this exception does not apply if the insured has any other insurance for such "bodily injury" or "property damage", whether the other insurance is primary, excess, contingent or on any other basis. h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice or preparation for, a prearranged racing, speed or demolition contest or in any stunting activity. ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD i. War "Bodily injury", "property damage" or "personal and advertising injury", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Professional Services "Bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to render any professional service. This includes but is not limited to: (1) Legal, accounting or advertising services; (2) Preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; (3) Supervisory, inspection, architectural or engineering activities; (4) Medical, surgical, dental, x-ray or nursing services, treatment, advice or instruction; (5) Any health or therapeutic service treatment, advice or instruction; (6) Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming; (7) Optical or hearing aid services including the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices; (8) Optometry or optometric services including but not limited to examination of the eyes and the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products; (9) Any: (a) Body piercing (not including ear piercing); (b) Tattooing, including but not limited to the insertion of pigments into or under the skin; and (c) Similar services; (10)Pharmaceutical services including but not limited to: (a) The administering, prescribing, preparing, distributing or compounding of pharmaceutical drugs, vaccinations, immunizations or any of their component parts; (b) The providing of or failure to provide home health care or home infusion products or services; and (c) Advising and consulting customers; (11)Computer consulting, design or programming services, including web site design. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. Paragraphs (4) and (5) of this exclusion do not apply to the Incidental Medical Malpractice coverage afforded under Paragraph 1.e. in Section A. Coverages. k. Damage To Property "Property damage" to: (1) Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD (3) Property loaned to you; (4) Personal property in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section D. Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3) and (4) of this exclusion do not apply to the use of elevators. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraphs (3) and (4) of this exclusion do not apply to "property damage" to borrowed equipment while not being used to perform operations at a job site. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products -completed operations hazard". I. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. m. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products -completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. n. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. o. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. p. Personal And Advertising Injury "Personal and advertising injury": (1) Arising out of oral, written, electronic, or any other manner of publication of material, if done by or at the direction of the insured with knowledge of its falsity; ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD (2) Arising out of oral, written, electronic, or any other manner of publication of material whose first publication took place before the beginning of the policy period; (3) Arising out of a criminal act committed by or at the direction of the insured; (4) Arising out of any breach of contract, except an implied contract to use another's "advertising idea" in your "advertisement"; (5) Arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement"; (6) Arising out of the wrong description of the price of goods, products or services; (7) Arising out of: (a) Any actual or alleged infringement or violation of any intellectual property rights, such as copyright, patent, right of publicity, trademark, trade dress, trade name, trade secret, service mark or other designation of origin or authenticity; or (b) Any injury or damage alleged in any claim or "suit" that also alleges an infringement or violation of any intellectual property right, whether such allegation of infringement or violation is made against you, or by you or by any other party involved in the claim or "suit", regardless of whether this insurance would otherwise apply. However, this exclusion does not apply if the only allegation in the claim or "suit" involving any intellectual property right is limited to: (i) Infringement, in your "advertisement", of: a. Copyright; b. Slogan; unless the slogan is also a trademark, trade dress, trade name, service mark or other designation of origin or authenticity; or c. Title of any literary or artistic work; or (ii) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement". Paragraph (7)(b)ii above shall not apply to claims or "suits" alleging infringement or violation of trademark, trade dress, trade name, service mark or other designation of origin or authenticity. (8) Arising out of an offense committed by an insured whose business is: (a) Advertising, broadcasting, publishing or telecasting; (b) Designing or determining content of web sites for others; or (c) An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs a., b. and c. under the definition of "personal and advertising injury" in Section F. Liability And Medical Expenses Definitions. For the purposes of this exclusion, the placing of frames, borders, or links, or advertising, for you or others anywhere on the Internet, is not by itself, considered the business of advertising, broadcasting, publishing or telecasting; (9) Arising out of an electronic chat room or bulletin board the insured hosts, owns, or over which the insured exercises control; (10)Arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatags, or any other similar tactics to mislead another's potential customers; (11)Arising out of the violation of a person's right of privacy created by any state or federal act. However, this exclusion does not apply to liability for damages that the insured would have in the absence of such state or federal act; (12)Arising out of: (a) Advertising content for others on your web site; (b) Placing a link to a web site of others on your web site; ew cF RAMwagzmedDMsian Form SL 00 00 10 18 40 ,�q ► E�AEW=D & APPROVED BY.- x © 2018, The Hartford 1 "" �"° (May include copyrighted material of Insurance Services Office, Inc., with its 1--_W-- WskPjanagementAnal $t THE HARTFORD (c) Content from a web site of others displayed within a frame or border on your web site. Content includes information, code, sounds, text, graphics or images; or (d) Computer code, software or programming used to enable: (i) Your web site; or (ii) The presentation or functionality of an "advertisement" or other content on your web site; (13)Arising out of a violation of any anti-trust law; (14)Arising out of the fluctuation in price or value of any stocks, bonds or other securities; (15)Arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information; or (16)Arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "personal and advertising injury" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". However, this exclusion does not apply if the only allegation in the claim or "suit" involves an intellectual property right which is limited to: (a) Infringement, in your "advertisement", of: (i) Copyright; (ii) Slogan; or (iii) Title of any literary or artistic work; or (b) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement". q. Access Or Disclosure Of Confidential Or Personal Information And Data -Related Liability (1) Damages because of "bodily injury" or "property damage" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data". This exclusion applies even if such damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraphs (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury". r. Employment -Related Practices "Bodily injury" or "personal and advertising injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--_W-- Wsk Pjanagement Analpt THE HARTFORD (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination, malicious prosecution or false arrest directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" or "personal and advertising injury" to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury -causing event described in Paragraphs (a), (b), or (c) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay damages because of the injury. s. Asbestos (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the "asbestos hazard". (2) Any damages, judgments, settlements, loss, costs or expenses that: (a) May be awarded or incurred by reason of any claim or "suit" alleging actual or threatened injury or damage of any nature or kind to persons or property which would not have occurred in whole or in part but for the "asbestos hazard"; (b) Arise out of any request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, encapsulate, contain, treat, detoxify or neutralize or in any way respond to or assess the effects of an "asbestos hazard"; or (c) Arise out of any claim or "suit" for damages because of testing for, monitoring, cleaning up, removing, encapsulating, containing, treating, detoxifying or neutralizing or in any way responding to or assessing the effects of an "asbestos hazard". t. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury", "property damage", or "personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transaction Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Damage To Premises Rented To You — Exception For Damage By Fire, Lightning Or Explosion Exclusions c. through h. and k. through o. do not apply to damage by fire, lightning or explosion to premises rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section D. Liability And Medical Expenses Limits Of Insurance. 2. Applicable To Medical Expenses Coverage We will not pay expenses for "bodily injury": a. Any Insured To any insured, except "volunteer workers". b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any ins Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManWmad DMsian ke/ 1'x REVIEWED & APPROVED BY: 1,,; "° wd --� Risk janagement Analyst THE HARTFORD c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers' Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports or athletic contests. f. Products -Completed Operations Hazard Included with the "products -completed operations hazard". g. Business Liability Exclusions Excluded under Business Liability Coverage. C. WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business, other than that described in b. through e. below, of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2. Each of the following is also an insured: a. Employees And Volunteer Workers Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), or to a co -"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co -"employee" or that "volunteer worker" as a consequence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs (1)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. If you are not in the business of providing professional health care services, Paragraph (d) does not apply to any nurse, emergency medical technician or paramedic employed by you to provide such services. (2) "Property damage" to property: ecF Itisle Managzment Division Form SL 00 00 10 18 40 ,�q ► E�AEWED & APPROVED BY.- x © 2018, The Hartford 1 "" �"° (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- WskPjanagementAnal $t THE HARTFORD (a) Owned, occupied or used by: (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b. Real Estate Manager Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. c. Temporary Custodians Of Your Property Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Legal Representative If You Die Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this insurance. e. Unnamed Subsidiary Any subsidiary and subsidiary thereof, of yours which is a legally incorporated entity of which you own a financial interest of more than 50% of the voting stock on the effective date of this Coverage Part. The insurance afforded herein for any subsidiary not shown in the Declarations as a named insured does not apply to injury or damage with respect to which an insured under this insurance is also an insured under another policy or would be an insured under such policy but for its termination or upon the exhaustion of its limits of insurance. 3. Newly Acquired Or Formed Organization Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain financial interest of more than 50% of the voting stock, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; and b. Coverage under this provision does not apply to: (1) "Bodily injury" or "property damage" that occurred; or (2) "Personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. 4. Operator Of Mobile Equipment With respect to "mobile equipment" any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: a. "Bodily injury" to a co -"employee" of the person driving the equipment; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. 5. Operator Of Nonowned Watercraft With respect to watercraft you do not own that is less than 51 feet long and is not being used to carry persons or property for a charge, any person is an insured while operating such watercraft with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the watercraft, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: ecF Itisle Managzment Division Form SL 00 00 10 18 40 ,�q ► E�AEWED & APPROVED BY.- x © 2018, The Hartford 1 "" �"° (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- WskPjanagementAnal $t THE HARTFORD a. "Bodily injury" to a co -"employee" of the person operating the watercraft; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 1. The Most We Will Pay The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. Aggregate Limits The most we will pay for: a. Damages because of "bodily injury" and "property damage" included in the "products -completed operations hazard" is the Products -Completed Operations Aggregate Limit shown in the Declarations. b. Damages because of all other "bodily injury", "property damage" or "personal and advertising injury", including medical expenses, is the General Aggregate Limit shown in the Declarations. This General Aggregate limit does not apply to "property damage" to premises while rented to you or temporarily occupied by you with permission of the owner, arising out of fire, lightning or explosion. 3. Each Occurrence Limit Subject to 2.a. or 2.b above, whichever applies, the most we will pay for the sum of all damages because of all "bodily injury", "property damage" and medical expenses arising out of any one 'occurrence" is the Liability and Medical Expenses Limit shown in the Declarations. The most we will pay for all medical expenses because of "bodily injury" sustained by any one person is the Medical Expenses Limit shown in the Declarations. 4. Personal And Advertising Injury Limit Subject to 2.b. above, the most we will pay for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization is the Personal and Advertising Injury Limit shown in the Declarations. 5. Damage To Premises Rented To You Limit The Damage To Premises Rented To You Limit is the most we will pay under Business Liability Coverage for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, lightning or explosion, while rented to you or temporarily occupied by you with permission of the owner. In the case of damage by fire, lightning or explosion, the Damage to Premises Rented To You Limit applies to all damage proximately caused by the same event, whether such damage results from fire, lightning or explosion or any combination of these. 6. How Limits Apply To Additional Insureds The most we will pay on behalf of a person or organization who is an additional insured under this Coverage Part is the lesser of: a. The limits of insurance required in a written contract, written agreement or permit; or b. The Limits of Insurance shown in the Declarations. Such amount shall be a part of and not in addition to the Limits of Insurance shown in the Declarations and described in this Section. If more than one limit of insurance under this Policy and any endorsements attached tl "suit", the most we will pay under this Policy and the endorsements is the single Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ereto aooues to anv claim or cF RA ManVment DMsian ke/ 1'x REVIEWED & APPROVED BY: 1,,; "° wd --� Risk janagement Analyst THE HARTFORD coverages applicable to such claim or "suit". However, this paragraph does not apply to the Medical Expenses limit set forth in Paragraph 3. above. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. Notice Of Occurrence Or Offense You or any additional insured under this Coverage Part must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. Notice Of Claim If a claim is made or "suit" is brought against any insured, you or any additional insured under this Coverage Part must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You or any additional insured under this Coverage Part must see to it that we receive a written notice of the claim or "suit" as soon as practicable. c. Assistance And Cooperation Of The Insured You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation, settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to the insured because of injury or damage to which this insurance may also apply. d. Obligations At The Insured's Own Cost No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. e. Additional Insured's Other Insurance If we cover a claim or "suit" under this Coverage Part that may also be covered by other insurance available to an additional insured under this Coverage Part, such additional insured must submit such claim or "suit" to the other insurer for defense and indemnity. However, this provision does not apply to the extent that you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with such additional insured's own insurance. f. Knowledge Of An Occurrence, Offense, Claim Or Suit Paragraphs a. and b. apply to you or to any additional insured under this Covera e Part only when such "occurrence", offense, claim or "suit" is known to: ecF IZisle Managzment Division Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--_W-- Wsk Pjanagement Analpt THE HARTFORD (1) You or any additional insured under this Coverage Part that is an individual; (2) Any partner, if you or an additional insured under this Coverage Part is a partnership; (3) Any manager, if you or an additional insured under this Coverage Part is a limited liability company; (4) Any "executive officer" or insurance manager, if you or an additional insured under this Coverage Part is a corporation; (5) Any trustee, if you or an additional insured under this Coverage Part is a trust; or (6) Any elected or appointed official, if you or an additional insured under this Coverage Part is a political subdivision or public entity. This Paragraph f. applies separately to you and any additional insured under this Coverage Part. 3. Legal action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this insurance or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 4. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Policy to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom a claim is made or "suit" is brought. 5. Representations a. When You Accept This Policy By accepting this Policy, you agree: (1) The statements in the Declarations are accurate and complete; (2) Those statements are based upon representations you made to us; and (3) We have issued this Policy in reliance upon your representations. b. Unintentional Failure To Disclose Hazards If unintentionally you should fail to disclose all hazards relating to the conduct of your business at the inception date of this Coverage Part, we shall not deny any coverage under this Coverage Part because of such failure. 6. Other Insurance If other valid and collectible insurance is available for a loss we cover under this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when b. below applies. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. b. Excess Insurance This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (1) Your Work That is Fire, Extended Coverage, Builder's Risk, Installation Risk, Owner Controlled Insurance Program or OCIP, Contractor Controlled Insurance Program or CCIP, Wrap Up Insurance or similar coverage for "your work"; ew cF RAMwagzmedDMsian Form SL 00 00 10 18 40 ,�q ► E�AEW=D & APPROVED BY.- x © 2018, The Hartford 1 "" �"° (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- WskPjanagementAnal $t THE HARTFORD (2) Premises Rented To You That is fire, lightning or explosion insurance for premises rented to you or temporarily occupied by you with permission of the owner; (3) Tenant Liability That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; (4) Aircraft, Auto Or Watercraft If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section B. Exclusions. (5) Property Damage To Borrowed Equipment Or Use Of Elevators If the loss arises out of "property damage" to borrowed equipment or the use of elevators to the extent not subject to Exclusion k. of Section B. Exclusions. (6) When You Are Added As An Additional Insured To Other Insurance That is other insurance available to you covering liability for damages arising out of the premises or operations, or products and completed operations, for which you have been added as an additional insured by that insurance; or (7) When You Add Others As An Additional Insured To This Insurance That is other insurance available to an additional insured. However, the following provisions apply to other insurance available to any person or organization who is an additional insured under this Coverage Part: (a) Primary Insurance When Required By Contract This insurance is primary if you have agreed in a written contract, written agreement or permit that this insurance be primary. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. (b) Primary And Non -Contributory To Other Insurance When Required By Contract If you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with the additional insured's own insurance, this insurance is primary and we will not seek contribution from that other insurance. Paragraphs (a) and (b) do not apply to other insurance to which the additional insured has been added as an additional insured. When this insurance is excess, we will have no duty under this Coverage Part to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self -insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 7. Transfer Of Rights Of Recovery Against Others To Us a. Transfer Of Rights Of Recovery If the insured has rights to recover all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. This condition does not apply to Medical Expenses Coverage. b. Waiver Of Rights Of Recovery (Waiver Of Subrogation) If the insured has waived any rights of recovery against any person or organization for all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, we also waive that right, provided the insured waived their rights of recovery against such person or organization in a contract, agreement or permit that was executed prior to the injury or damage. F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purpose of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purpose of attracting customers or supporters is considered an advertisement. 2. "Advertising idea" means any idea for an "advertisement". 3. "Asbestos hazard" means an exposure or threat of exposure to the actual or alleged properties of asbestos and includes the mere presence of asbestos in any form. 4. "Auto" means: a. A land motor vehicle, trailer or semi -trailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 5. "Bodily injury" means physical: a. Injury; b. Sickness; or c. Disease sustained by a person and, if arising out of the above, mental anguish or death at any time. 6. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above; c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in a. above; (2) The activities of a person whose home is in the territory described in a. above, but is away for a short time on your business; or ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication. provided the insured's responsibility to pay damages is determined in the United States of America (including its territories and possessions), Puerto Rico or Canada, in a "suit" on the merits according to the substantive law in such territory, or in a settlement we agree to. 7. "Electronic data" means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of "electronic data", means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. 8. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 9. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, by- laws or any other similar governing document. 10. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 11. "Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by: a. The repair, replacement, adjustment or removal of "your product" or "your work"; or b. Your fulfilling the terms of the contract or agreement. 12. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning or explosion to premises while rented to you or temporarily occupied by you with permission of the owner is subject to the Damage To Premises Rented To You limit described in Section D. Liability And Medical Expenses Limits Of Insurance. b. A sidetrack agreement; c. Any easement or license agreement, including an easement or license agreement in connection with construction or demolition operations on or within 50 feet of a railroad; d. Any obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; or f. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. includes that part of any contract or agreement that indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road -beds, tunnel, underpass or crossing. However, Paragraph f. does not include that part of any contract or agreement: (1) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the damage; or Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with it: cF Risk Management Division ke7 1'x REVIEWED & APPROVED BY.- 1,,; "° wd --� Risk janagement Analyst THE HARTFORD (2) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in (1) above and supervisory, inspection, architectural or engineering activities. 13. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 14. "Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 15. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, on which are permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in a., b., c., or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in a., b., c., or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1) Equipment, of at least 1,000 pounds gross vehicle weight, designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where they are licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law or motor vehicle registration law are considered "autos". 16. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 17. "Personal and advertising injury" means injury, including consequential "bodily injury", arising out of one or more of the following offenses: ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person or organization occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral, written, electronic, or any other manner of publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral, written, electronic, or any other manner of publication of material that violates a person's right of privacy; f. Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement"; or g. Infringement of copyright, slogan, or title of any literary or artistic work, in your "advertisement". 18. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 19. "Products -completed operations hazard"; a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed to be completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. The "bodily injury" or "property damage" must occur away from premises you own or rent, unless your business includes the selling, handling or distribution of "your product" for consumption on premises you own or rent. b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; or (2) The existence of tools, uninstalled equipment or abandoned or unused materials. 20. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of "occurrence" that caused it. As used in this definition, "electronic data" is not tangible property. 21. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THE HARTFORD 22. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions. 23. "Unmanned aircraft" means an aircraft that is not: a. Designed; b. Manufactured; or c. Modified after manufacture; to be controlled directly by a person from within or on the aircraft. 24. "Volunteer worker" means a person who: a. Is not your "employee"; b. Donates his or her work; c. Acts at the direction of and within the scope of duties determined by you; and d. Is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 25. "Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product"; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 26. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions. ew cF RAMwagmedDMsian Form SL 00 00 10 18 J_/ ,qq REVIEWED &APPROVmBY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1--___�-- Wsk Pjanagement Analpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - NUCLEAR ENERGY LIABILITY Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. This insurance does not apply: 1. To any injury or damage: a. With respect to which an insured under the Policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or b. Resulting from the "hazardous properties" of "nuclear material' and with respect to which: (1) Any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof; or (2) The insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. 3. Under any Medical Payments or Medical Expenses Coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous properties" of "nuclear material' and arising out of the operation of a "nuclear facility" by any person or organization. 4. To any injury or damage resulting from the "hazardous properties" of "nuclear material'; if: a. The "nuclear material': (1) Is at any "nuclear facility" owned by, or operated by or on behalf of, an insured; or (2) Has been discharged or dispersed therefrom; b. The "nuclear material' is contained in "spent fuel' or "waste" at any time was possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or c. The injury or damage arises out of the furnishing by any insured of any "technology services" in connection with the planning, construction, maintenance, operation or use of any "nuclear facility"; or d. The injury or damage arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility"; but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (d) applies only to "property damage" to such "nuclear facility" and any property thereat. B. As used in this exclusion, the following definitions apply: 1. "Byproduct material', "source material' and "special nuclear material' have the meanings given to them in the Atomic Energy Act of 1954 or in any law amendatory thereof. 2. "Computer system and network" means: a. Leased or owned computer hardware including mobile, networked, and data storage computing equipment; b. Owned or licensed software; c. Owned websites; d. Leased or owned wireless input and output devices; and e. Electronic backup facilities and data storage repositories employed in conjunction with 2.a. through 2.d. above. 3. "Hazardous properties" include radioactive, toxic or explosive properties. 4. "Nuclear facility" means: a. Any "nuclear reactor"; b. Any equipment or device designed or used for: eGF �D Form SL 20 06 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (1) Separating the isotopes of uranium or plutonium; (2) Processing or utilizing "spent fuel"; or (3) Handling, processing or packaging "waste", c. Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; d. Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste" and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. 5. "Nuclear material" means "byproduct material", "source material" or "special nuclear material". 6. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. 7. "Property damage" and injury or damage include all forms of radioactive contamination of property. 8. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". 9. "Technology services" means: a. The following services performed for others: (1) Consulting, analysis, design, installation, training, maintenance, support and repair of or on: software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; (2) Integration of systems; (3) Processing of, management of, mining or warehousing of data; (4) Administration, management, operation or hosting of: another party's systems, technology or computer facilities; (5) Website development; website hosting; (6) Internet access services; intranet, extranet or electronic information connectivity services; software application connectivity services; (7) Manufacture, sale, licensing, distribution, or marketing of: software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; (8) Design and development of: code, software or programming; (9) Providing software application: services, rental or leasing; (10)Screening, selection, recruitment or placement of candidates for temporary or permanent employment by others as information technology professionals; (11)"Telecommunication services"; and (12)"Telecommunication products". b. Web -related software and connectivity services performed for others; and c. Activities on the named insured's "computer system and network". 10. "Waste" means any waste material: a. Containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content; and b. Resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". eGF �D Form SL 20 06 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - SILICA - BUSINESS LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following exclusion is added to Section B. EXCLUSIONS: This insurance does not apply to: Silica Any injury, damage, loss, cost or expense, including but not limited to "bodily injury", "property damage" or "personal and advertising injury" arising out of, or relating to, in whole or in part, the "silica hazard". B. The following definition is added to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "Silica hazard" means an exposure to, inhalation of or contact with, or threat of exposure to, inhalation of or contact with, the actual or alleged properties of silica or any silica containing materials and includes the mere presence of silica or any silica containing materials in any form. Silica includes all forms of the compound silicon dioxide, including, but not limited to, quartz. eGF �D Form SL 20 78 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision that such person or organization be added as an additional insured on your Coverage Part, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit. A person or organization is an additional insured under this provision only for that period of time required by the contract, agreement or permit. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by any other endorsement issued by us and made a part of this Coverage Part. The insurance afforded to such additional insured will not be broader than that which you are required by the contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. The limits of insurance that apply to additional insureds are described in Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS. a. Vendors Any person(s) or organization(s) (referred to below as vendor), but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business and only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (1) The insurance afforded to the vendor is subject to the following additional exclusions: This insurance does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; (c) Any physical or chemical change in the product made intentionally by the vendor; (d) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (e) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (f) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; (g) Products which, after distribution or sale by you, have been labeled or rela part or ingredient of any other thing or substance by or for the vendor; or Form SL 30 32 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ew cF RAMwagmedDMsian Jy/\'x REVIEWED & APPROVED BY: 11 ,v --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (h) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (i) The exceptions contained in Paragraphs (d) or (f); or (ii) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (2) This insurance does not apply to any insured person or organization from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. b. Lessors Of Equipment (1) Any person or organization from whom you lease equipment; but only with respect to their liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after you cease to lease that equipment. c. Lessors Of Land Or Premises (1) Any person or organization from whom you lease land or premises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) Any "occurrence" which takes place after you cease to lease that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Architects, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In connection with your premises; or (b) In the performance of your ongoing operations performed by you or on your behalf. (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: (a) This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services, including: (i) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. (b) This insurance does not apply to "bodily injury" or "property damage" included within the "products - completed operations hazard". e. State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1) Any state or governmental agency or subdivision or political subdivision, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or eGF �D Form SL 30 32 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) "Bodily injury" or "property damage" included within the "products -completed operations hazard". f. Any Other Party (1) Any other person or organization who is not in one of the categories or classes listed above in Paragraphs a. through e. above, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In the performance of your ongoing operations performed by you or on your behalf; (b) In connection with your premises owned by or rented to you; or (c) In connection with "your work" and included within the "products -completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service described in Paragraphs f.(2)(a) or f.(2)(b) above. eGF �D Form SL 30 32 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM - BUSINESS LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS: 1. The following is added: Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for a portion of such insured losses, as indicated in the table below that exceeds the applicable insurer deductible: Calendar Year Federal Share of Terrorism Losses 2015 85% 2016 84% 2017 83% 2018 82% 2019 81 % 2020 or later 80% However, if aggregate industry insured losses attributable to "certified acts of terrorism" under the federal Terrorism Risk Insurance Act, as amended (TRIA), exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. The United States government has not charged any premium for their participation in covering terrorism losses. 2. The following is added: Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year, and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro-rata basis in accordance with procedures established by the Treasury, based on its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. 3. The following is added: Application Of Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Part or Policy, such as losses excluded by the Pollution Exclusion, Nuclear Hazard Exclusion and the War And Military Action Exclusion. B. The following is added to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of federal Terrorism Risk Insurance Act, to be an act of terrorism under TRIA. The criteria contained in TRIA for a "certified act of terrorism" include the following: eGF �D Form SL 70 22 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and c. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals acting as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. eGF �D Form SL 70 22 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THE HARTFORD EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) NOTICE: COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'S PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS AVAILABLE. Quick Reference Beginning on Page SECTION I: INSURING AGREEMENT................................................................. 1 SECTION II: DEFINITIONS................................................................................. 1 SECTION III: EXCLUSIONS............................................................................... 5 SECTION IV: DISCOVERY CLAUSE................................................................... 6 SECTION V: EXTENDED REPORTING PERIOD .................................................. 6 SECTION VI: COVERAGE TERRITORY................................................................ 7 SECTION VII: LIMITS OF LIABILITY AND DEDUCTIBLE ........................................ 7 SECTION VIII: DUTIES IN EVENT OF CLAIM; DEFENSE AND SETTLEMENT .......... 8 SECTION IX: CONDITIONS............................................................................... 9 Msiun Form SL 55 02 10 18 �w GF �� - ��/ 1°x REVIEWED & APPROVm BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) Various provisions in this Policy restrict coverage. Please read the entire Policy carefully to determine your rights, duties and what is and is not covered. Throughout this Coverage Part the words you and your refer to the "Named Insured" in the Declarations. The words we, us and our refer to the stock insurance company member of THE HARTFORD shown on the Declarations Page. Words and phrases that appear in quotation marks are defined in SECTION II - DEFINITIONS of this Coverage Part. In consideration of, and subject to, the payment of the premium by you and in reliance upon the accuracy and completeness of the "application", including but not limited to the statements, attachments and exhibits contained in and submitted with the "application", we agree with you, subject to all terms, exclusions and conditions of this Coverage Part, as follows: SECTION I - INSURING AGREEMENT Employment Practices Liability We shall pay 'loss" on behalf of the "insureds" resulting from an "employment practices claim" first made against the "Insureds" during the "policy period" or Extended Reporting Period, if applicable, for an "employment practices wrongful act" by the "insureds". SECTION II — DEFINITIONS A. "Application" means the application for this Coverage Part, including any materials or information submitted therewith or made available to us during the underwriting process, which application shall be on file with us. Such "application" shall be deemed a part of this Coverage Part and attached hereto. In addition, "application" includes any warranty, representation or other statement provided to us within the past three years in connection with any policy or coverage part of which this Coverage Part is a renewal or replacement. B. "Benefits" means perquisites, fringe benefits, deferred compensation, severance pay and any other form of compensation (other than salaries, wages, or bonuses as a component of a front or back pay award). C. "Claim" means any "employment practices claim". D. "Claim expenses" means: 1. reasonable and necessary legal fees and expenses, including, but not limited to, e-discovery expenses, incurred in the defense or appeal of a "claim"; 2. "Extradition costs"; or 3. the costs of appeal, attachment or similar bonds, provided that we shall have no obligation to furnish such bonds. However, "claim expenses" shall not include: a. salaries, wages, remuneration, overhead or benefit expenses associated with any "insureds"; b. any fees, expenses or costs which are incurred by or on behalf of a party which is not a covered "insured"; or c. any fees, expenses or costs which were incurred prior to the date on which we received written notice of the "claim" from the "insured". E. "Controlled partnership" means a limited partnership in which and so long as the "named insured" owns or controls, directly or indirectly, more than 50% of the limited partnership interest and an "insured entity" is the sole general partner. F. "Damages" means the amounts, other than "claim expenses", that the "insureds" are legally liable to pay solely as a result of a "claim" covered by this Coverage Part, including: eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD 1. compensatory damages, including front pay and back pay; 2. settlement amounts; 3. pre- and post -judgment interest; 4. costs awarded pursuant to judgments; 5. punitive and exemplary damages; 6. the multiple portion of any multiplied damage award; or 7. liquidated damages under the Age Discrimination in Employment Act and the Family and Medical Leave Act. However, "damages" shall not include: a. taxes, fines or penalties imposed by law; b. non -monetary relief; c. "Benefits"; d. future compensation for any person hired, promoted, or reinstated pursuant to a judgment, settlement, order or other resolution of a "claim"; e. "Stock benefits"; f. costs associated with providing any accommodations required by the Americans with Disabilities Act or any similar law; or g. any other matters uninsurable pursuant to any applicable law; provided, however, that with respect to punitive and exemplary damages, or the multiple portion of any multiplied damage award, the insurability of such damages shall be governed by the internal laws of any applicable jurisdiction that most favors coverage of such damages. G. "Debtor in possession" means a "debtor in possession" as such term is defined in Chapter 11 of the United States Bankruptcy Code as well as any equivalent status under any similar law. H. "Domestic partner" means any natural person qualifying as a domestic partner under the provisions of any applicable federal, state or local law or any domestic partner relationship arrangement recognized outside of the United States and under the Human Resource policy of the "insured entity". I. "Employee" means any natural person who was, is or shall become a(n): 1. employee of an "insured entity" including any part time, seasonal, temporary, leased, or loaned employee; or 2. volunteer or intern with an "insured entity". J. "Employee data privacy wrongful act" means: 1. the failure to prevent any unauthorized access to or use of data containing "Private Employment Information" of any "Employee" or applicant for employment with the "Insured Entity" including any such failure that directly results in a violation with respect to the privacy of such "Employee's" or applicant's medical information under the Health Insurance Portability and Accountability Act (HIPAA) or credit information under the Fair Credit Reporting Act (FCRA); or 2. the failure to notify any "employee" or applicant for employment with the "insured entity" of any actual or potential unauthorized access to or use of "private employment information" of any "employee" or applicant for employment with the "insured entity", if such notice was required by state or federal regulation or statute. K. "Employment practices claim" means any: 1. written demand for monetary damages or other civil non -monetary relief commenced by the receipt of such demand, including, without limitation, a written demand for employment reinstatement; 2. civil proceeding, including an arbitration or other alternative dispute resolution proceeding, commenced by the service of a complaint, filing of a demand for arbitration, or similar pleading; or 3. formal administrative or regulatory proceeding, including, without limitation, a proceeding before the Equal Employment Opportunity Commission or similar governmental agency, commenced by the filing of a notice of charges, formal investigative order or similar document; eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— WWR r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD by or on behalf of an "employee", an applicant for employment with an "insured entity", or an "independent contractor". "Employment practices claim" also means the receipt of a notice of violation, order to show cause, or a written demand for monetary or injunctive relief that is the result of an audit conducted by the United States Office of Federal Contract Compliance Programs. "Employment practices claim" also means a written request to the "insureds" to toll or waive a statute of limitations regarding a potential "Employment practices claim" as described above. Such "claim" shall be commenced by the receipt of such request. However, "employment practices claim" shall not include any labor or grievance proceeding or arbitration that is subject to a collective bargaining agreement. L. "Employment practices wrongful act" means: 1. wrongful dismissal, discharge, or termination of employment (including constructive dismissal, discharge, or termination), wrongful failure or refusal to employ or promote, wrongful discipline or demotion, failure to grant tenure, negligent employment evaluation, or wrongful deprivation of career opportunity; 2. sexual or other workplace harassment, including bullying in the workplace, quid pro quo and hostile work environment; 3. employment discrimination, including discrimination based upon age, gender, race, color, creed, marital status, sexual orientation or preference, gender identity or expression, genetic makeup, or refusal to submit to genetic makeup testing, pregnancy, disability, HIV or other health status, Vietnam Era Veteran or other military status, or other protected status established under federal, state, or local law; 4. "Retaliation"; 5. breach of any oral, written, or implied employment contract, including, without limitation, any obligation arising from a personnel manual, employee handbook, or policy statement; or 6. violation of the Family and Medical Leave Act. "Employment practices wrongful act" also means the following, but only when alleged in addition to or as part of any "employment practices wrongful act" described above: a. employment -related wrongful infliction of mental anguish or emotional distress; b. failure to create, provide for or enforce adequate or consistent employment -related policies and procedures; c. negligent retention, supervision, hiring or training; d. employment -related invasion of privacy, defamation, or misrepresentation; or e. an "employee data privacy wrongful act". M. "ERISA" means the Employee Retirement Income Security Act of 1974. N. "Extradition costs" means reasonable and necessary fees and expenses directly resulting from a "claim" in which an "insured person" lawfully opposes, challenges, resists or defends against any request for the extradition of such "insured person" from his or her current country of employ and domicile to any other country for trial or otherwise to answer any criminal accusation, including the appeal of any order or other grant of extradition of such "insured person". O. "Financial insolvency" means the status of an "insured entity" as a result of: 1. the appointment of any conservator, liquidator, receiver, rehabilitator, trustee, or similar official to control, supervise, manage or liquidate such "insured entity"; or 2. such "insured entity" becoming a "debtor in possession". P. "Independent contractor" means any natural person working in the capacity of an independent contractor pursuant to an "independent contractor agreement". eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— WWR r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD Q. "Independent contractor agreement" means any express contract or agreement between an "independent contractor" and an "insured entity" specifying the terms of the "insured entity's" engagement of such "independent contractor". R. "Insured entity" means: 1. the "named insured"; or 2. any "subsidiary". "Insured entity" shall include any such entity as a "debtor in possession". "Insured entity" shall also include any such entity in its capacity as a general partner of a "controlled partnership". S. "Insured person" means any: 1. "Employee"; 2. "Manager"; or 3. regarding the Employment Practices Liability Insuring Agreement, an "independent contractor" provided that within 30 days of an "employment practices claim" having been made against such "independent contractor" that the "insured entity" agrees in writing to indemnify such "independent contractor" for any "loss" arising out of such "claim". T. "Insureds" means any: 1. "Insured entity"; or 2. "Insured person". U. "Interrelated wrongful acts" means "wrongful acts" that have as a common nexus any fact, circumstance, situation, event, transaction, goal, motive, methodology, or cause or series of causally connected facts, circumstances, situations, events, transactions, goals, motives, methodologies or causes. V. "Loss" means "claim expenses" and "damages". W. "Manager" means any natural person who was, is or shall become a(n): 1. duly elected or appointed director, advisory director, board observer, advisory board member, officer, member of the board of managers or management committee member of an "insured entity"; 2. "Employee" in his/her capacity as legal counsel to an "insured entity"; or 3. executive of an "insured entity" created outside the United States to the extent that such executive holds a position equivalent to those described in 1. or 2. above. X. "Named insured" means the individuals, partnerships or corporations designated in the Declarations. Y. "Notice manager" means the natural persons in the offices of the chief executive officer, chief financial officer, general counsel, risk manager, human resources manager or any equivalent position to the foregoing, of an "Insured Entity". Z. "Policy period" means the period from the Effective Date to the Expiration Date set forth in the Declarations or any earlier cancellation date. AA."Private employment information" means any information regarding an "employee" or applicant for employment with the "insured entity", which is collected or stored by an "insured" for the purposes of establishing, maintaining or terminating an employment relationship. BB."Retaliation" means adverse treatment of an "employee" or "independent contractor" based upon such person: 1. exercising any rights under law, including, without limitation, rights under any workers compensation laws, the Family and Medical Leave Act, "ERISA", or the Americans with Disabilities Act; 2. refusing to violate any law; 3. assisting, testifying, or cooperating with a proceeding or investigation regarding alleged violations of law by any "insured"; eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD 4. disclosing or threatening to disclose alleged violations of law to a superior or to any governmental agency; or 5. filing any whistle blower claim against any "insured" under the federal False Claims Act, the Sarbanes-Oxley Act of 2002, or any similar law. CC."Stock benefits" means any offering, plan or agreement between an "insured entity" and any "employee" that grants stock, stock options or stock appreciation rights in the "insured entity" to such person, including, without limitation, restricted stock or any other stock grant. "Stock benefits" shall not include employee stock ownership plans or employee stock purchase plans. DID. "Subsidiary" means any: 1. corporation in which and so long as the "named insured" owns or controls, directly or indirectly, more than 50% of the outstanding securities representing the right to vote for the election of the board of directors of such corporation; 2. limited liability company in which and so long as the "named insured" owns or controls, directly or indirectly, the right to elect, appoint or designate more than 50% of such entity's managing members; 3. a "controlled partnership"; 4. corporation operated as a joint venture in which and so long as the "named insured" owns or controls, directly or indirectly, exactly 50% of the issued and outstanding voting stock and which, pursuant to a written agreement with the owner(s) of the remaining issued and outstanding voting stock of such corporation, the "named insured" solely controls the management and operation of such corporation; or 5. foundation, charitable trust or political action committee in which and so long as such entity or organization is controlled by the "named insured" or any "subsidiary" as defined in 1. through 4. above. EE. "Wage and hour violation" means any actual or alleged violation of the duties and responsibilities that are imposed upon an "insured" by any federal, state or local law or regulation anywhere in the world, including but not limited to the Fair Labor Standards Act or any similar law (except the Equal Pay Act), which govern wage, hour and payroll practices. Such practices include but are not limited to: 1. the calculation and payment of wages, overtime wages, minimum wages and prevailing wage rates; 2. the calculation and payments of benefits; 3. the classification of any person or organization for wage and hour purposes; 4. reimbursing business expenses; 5. the use of child labor; or 6. garnishments, withholdings and other deductions from wages. FF. "Wrongful act" means any actual or alleged "employment practices wrongful act". SECTION III - EXCLUSIONS A. We shall not pay "Loss": 1. for bodily injury, sickness, disease, death, false arrest or imprisonment, abuse of process, malicious prosecution, trespass, nuisance or wrongful entry or eviction, or for injury to or destruction of any tangible property including loss of use or diminution of value thereof; provided, however, that this exclusion shall not apply to that portion of "loss" that directly results from mental anguish or emotional distress when alleged in connection with an otherwise covered "employment practices wrongful act"; 2. for any actual or alleged "wrongful act" by "insured persons" of any "subsidiary" in their capacities as such, or by any "subsidiary", if such "wrongful act" actually or allegedly occurred when such entity was not a "subsidiary"; 3. in connection with any "claim" based upon, arising from, or in any way related to any: a. prior or pending demand, suit, or proceeding against any "insured" as of, or b. audit initiated by the United States Office of Federal Contract Compliance Programs before, eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD the effective date of the first Employment Practices Liability Coverage Part issued and continuously renewed by us, or the same or substantially similar fact, circumstance, or situation underlying or alleged in such demand, suit, proceeding, or audit; 4. in connection with any "claim" based upon, arising from, or in any way related to any fact, circumstance, or situation that, before the Effective Date in the Declarations, was the subject of any notice given under any other employment practices liability policy, management liability policy or other insurance policy which insures "wrongful acts" covered under this Coverage Part; 5. in connection with any "claim" based upon, arising from, or in any way related to the liability of others assumed by an "insured" under any contract or agreement; provided, however, this exclusion shall not apply to liability that would have been incurred in the absence of such contract or agreement; 6. for breach of any "independent contractor agreement"; or 7. for a lockout, strike, picket line, hiring of replacement workers or similar action in connection with any labor dispute, labor negotiation or collective bargaining agreement. B. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to: 1. any claims for unpaid wages (including overtime pay), workers' compensation benefits, unemployment compensation, disability benefits, or social security benefits; 2. any actual or alleged violation of the Worker Adjustment and Retraining Notification Act, the National Labor Relations Act, the Occupational Safety and Health Act, the Consolidated Omnibus Budget Reconciliation Act of 1985, "ERISA", or any similar law; or 3. any "wage and hour Violation" Provided, however, that this exclusion B. shall not apply to that portion of "loss" that represents a specific amount the "insureds" become legally obligated to pay solely for a "wrongful act" of "retaliation". C. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to liability incurred for breach of any oral, written, or implied employment contract; provided, however, that this exclusion shall not apply to liability that would have been incurred in the absence of such contract nor shall it apply to the portion of "loss" representing "claim expenses" incurred to defend against such liability. SECTION IV - DISCOVERY CLAUSE If, during the "policy period", the "insureds" become aware of a "wrongful act" that may reasonably be expected to give rise to a "claim", and, if written notice of such "wrongful act" is given to us during the "policy period", including the reasons for anticipating such a "claim", the nature and date of the "wrongful act", the identity of the "insureds" allegedly involved, the alleged injuries or damages sustained, the names of potential claimants, and the manner in which the "insureds" first became aware of the "wrongful act", then any "claim" subsequently arising from such "wrongful act" shall be deemed to be a "claim" first made during the "policy period" on the date that we receive the above notice. SECTION V - EXTENDED REPORTING PERIOD Subject to provisions A. through G. below, if this Coverage Part is canceled or non -renewed other than for non- payment of premium, you shall have the right to purchase an extended period to report "claims" under this Coverage Part for any "claim" first made during the period of time set forth in the Supplemental Extended Reporting Period Endorsement, and following the effective date of such cancellation or nonrenewal and reported in writing during such period or within sixty (60) days thereafter, but only with respect to any "wrongful act" which takes place prior to the effective date of such cancellation or nonrenewal. A. The Extended Reporting Period shall be effective only upon the payment of an additional premium. The additional premium will be 200% of the annual advance premium for this coverage. At the commencement of the Extended Reporting Period, the entire premium thereof shall be deemed fully earned and non-refundable. B. The quotation of a different premium or deductible or limit of liability for renewal is not a cancellation or refusal to renew for the purposes of this provision. eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD C. You shall have no right to purchase the Extended Reporting Period, unless you have satisfied all conditions of the Coverage Part and all premiums and deductibles outstanding have been paid. D. Your right to purchase the Extended Reporting Period shall terminate unless written notice together with full payment of the premium for the Extended Reporting Period is given to us no later than sixty (60) days following the effective date of cancellation or nonrenewal. E. The fact that the period of time to report "claims" is extended by virtue of the Extended Reporting Period shall not increase or reinstate the Limit of Liability stated in the Declarations. F. Extended Reporting Periods do not extend the "policy period" or change the scope of coverage provided. They apply only to "wrongful acts" that occur before the end of the "policy period". "Claims" for such injury which are first received within sixty (60) days after the "policy period", or during the Extended Reporting Period if in effect, will be deemed to have been made on the last date of the "policy period". G. Once in effect, Extended Reporting Periods may not be canceled by us. SECTION VI -COVERAGE TERRITORY Coverage under this Coverage Part applies worldwide, provided that the "claim" is made and any legal action is pursued within the Unites States, its territories, possessions or commonwealths, or Canada. SECTION VII - LIMITS OF LIABILITY AND DEDUCTIBLE A. The maximum we will pay for each "claim" under this Coverage Part is the Each Claim Limit of Liability stated in the Declarations, subject to the Annual Aggregate Limit of Liability stated in the Declarations. The maximum we will pay for all "claims" under this Coverage Part is the Annual Aggregate Limit of Liability stated in the Declarations, regardless of the number of "claims". If the applicable Limit of Liability for this Coverage Part is exhausted, the premium for this Coverage Part shall be deemed fully earned. "Claim expenses" shall be part of, and not in addition to, the Limits of Liability. Payment of "claim expenses" by us shall reduce each Limit of Liability. B. We shall pay "loss" in excess of the Deductible applicable to each "claim" as specified on the Declarations. C. All Deductibles shall be borne by the "insureds" at their own risk; they shall not be insured. D. The Deductible shall apply to "claim expenses" covered hereunder. If, any "claim expenses" are incurred by us prior to the "insured's" complete payment of the Deductible, then the "insureds" shall reimburse us therefor upon our request. E. No Deductible shall apply to "loss" incurred by any "insured person" that an "insured entity" is not permitted by common or statutory law to indemnify, or is permitted or required to indemnify, but is not able to do so by reason of "financial insolvency". F. If an "insured entity" is permitted or required by common or statutory law to indemnify an "insured person" for any "loss", or to advance "claim expenses" on their behalf, and does not do so other than because of "financial insolvency", then such "insured entity" and the "named insured" shall reimburse and hold us harmless for our payment or advancement of such "loss" up to the amount of the Deductible that would have applied if such indemnification had been made. G. If a "subsidiary" is unable to indemnify an "insured person" for any "loss", or to advance "claim expenses" on their behalf, because of "financial insolvency", then the "named insured" shall reimburse and hold us harmless for our payment or advancement of such "loss" up to the amount of the applicable Deductible that would have applied if such indemnification had been made. The Limit of Liability for this Coverage Part applies separately to each consecutive annual period and to any remaining period of less than twelve (12) months starting with the beginning of the "policy period" shown in the Declarations, unless the "policy period" is extended after issuance for an additional period of less than twelve (12) months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limit of Liability. eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— WWR r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD SECTION VIII - DUTIES IN THE EVENT OF CLAIM; DEFENSE AND SETTLEMENT A. We shall have the right and duty to defend "claims" covered under this Coverage Part, even if such "claim" is groundless, false or fraudulent, provided that: 1. the "insureds" give notice to us in accordance with the applicable notice provisions; and 2. such "claim" does not involve allegations, in whole or in part, of a "wage and hour violation". For any "claim" involving allegations, in whole or in part, of a "wage and hour violation", it shall be the duty of the "insureds", and not our duty, to defend such "claim". B. If we have the duty to defend a "claim", our duty to defend such "claim" shall cease upon exhaustion of any applicable Limit of Liability. C. The "insureds" shall not admit or assume any liability, make any settlement offer or enter into any settlement agreement, stipulate to any judgment, or incur any "claim expenses" regarding any "claim" without our prior written consent, such consent not to be unreasonably withheld. We shall not be liable for any admission, assumption, settlement offer or agreement, stipulation, or "claim expenses" to which we have not consented. D. We shall have the right to associate ourself in the defense and settlement of any "claim" that appears reasonably likely to involve this Coverage Part. We may make any investigation we deem appropriate in connection with any "claim". We may, with the written consent of the "insureds", settle any "claim" for a monetary amount that we deem reasonable. E. The "insureds" shall give to us all information and cooperation as we may reasonably request. However, if we are, in our sole discretion, able to determine coverage for cooperating "insureds", the failure of one "insured person" to cooperate with us shall not impact coverage provided to cooperating "insureds". F. With respect to a covered "claim" for which we do not have the duty to defend, we shall advance "claim expenses" in accordance with Section VIII I. that we believe to be covered under this Coverage Part until a different allocation is negotiated, arbitrated or judicially determined. G. Required Notice to Us As a condition precedent to coverage under this Coverage Part, the "insureds" shall give us written notice of any "claim" as soon as practicable after a "notice manager" becomes aware of such "claim", but in no event later than: 1. if this Coverage Part expires or is otherwise terminated without being renewed with us, ninety (90) days after the effective date of said expiration or termination; or 2. subject to SECTION V, the expiration of the Extended Reporting Period, if applicable; provided, however, that if the Coverage Part is cancelled for non-payment of premium, the "insured" will give us written notice of such "claim", prior to the effective date of cancellation. However, with regard to any "employment practices claim" which is brought as a formal administrative or regulatory proceeding, including, without limitation, a proceeding before the Equal Employment Opportunity Commission or similar governmental agency, commenced by the filing of a notice of charges, formal investigative order or similar document, as a condition precedent to coverage under this Coverage Part the "insureds" shall give us written notice of any "claim" as soon as practicable after a "notice manager" becomes aware of such "claim", but in no event later than: 3. if this Coverage Part is renewed, no more than 180 days after a "notice manager" becomes aware of such "claim"; or 4. if this Coverage Part expires or is otherwise terminated without being renewed with us, ninety (90) days after the effective date of said expiration or termination; or 5. subject to SECTION V, the expiration of the Extended Reporting Period, if applicable; provided, if the Coverage Part is cancelled for non-payment of premium, the "insured" will give us written notice of such "claim", prior to the effective date of cancellation. eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD H. Subrogation 1. We shall be subrogated to all of the "insureds"' rights of recovery regarding any payment of "loss" by us under this Coverage Part. The "insureds" shall execute all papers required and do everything necessary to secure and preserve such rights, including the execution of any documents necessary to enable us to effectively bring suit in the name of the "insureds". The "insureds" shall do nothing to prejudice our position or any potential or actual rights of recovery. 2. We shall not exercise our rights of subrogation against an "insured person" under this Coverage Part unless such "insured person" has: a. obtained any personal profit, remuneration or advantage to which such "insured person" was not legally entitled, or b. committed a criminal or deliberately fraudulent act or omission or any willful violation of law, if a judgment or other final adjudication establishes such personal profit, remuneration, advantage, act, omission, or violation. I. Allocation Where "insureds" who are afforded coverage for a "claim" incur an amount consisting of both "loss" that is covered by this Coverage Part and also loss that is not covered by this Coverage Part, because such "claim" includes both covered and uncovered matters, then coverage shall apply as follows: 1. with respect to a covered "claim" for which we have the duty to defend: a. 100% of the "insured's" "claim expenses" shall be allocated to covered "loss"; and b. All other "loss" shall be allocated between covered "loss" and non -covered loss based upon the relative legal exposure of all parties to such matters. 2. with respect to a covered "claim" for which we do not have the duty to defend, all "loss" shall be allocated between covered "loss" and non -covered loss based upon the relative legal exposure of all parties to such matters. SECTION IX - CONDITIONS A. Coverage Part Priority; Headings If any provision in this Coverage Part is inconsistent or in conflict with the terms and conditions of any provisions in this Policy, the terms and conditions of this Coverage Part shall control only for purposes of determining coverage hereunder. The headings of the various sections of this Coverage Part are intended for reference only and shall not be part of the terms and conditions of coverage. B. Notice Addresses 1. All notices to the "insureds" shall be sent to the first "named insured" at the address specified in the Declarations. 2. All notices to us shall be sent to the address specified in the Declarations. Any such notice shall be effective upon receipt by us at such address. C. Spousal/Domestic Partner Liability Coverage Coverage shall apply to the lawful spouse or "domestic partner" of an "insured person" for a "claim" made against such spouse or "domestic partner", provided that: 1. such "claim" arises solely out of: a. such person's status as the spouse or "domestic partner" of an "insured person"; or b. such spouse or "domestic partner's" ownership of property sought as recovery for a "wrongful act"; 2. the "insured person" is named in such "claim" together with the spouse or "domestic partner"; and 3. coverage of the spouse or "domestic partner" shall be on the same terms and conditions, including any applicable Deductible , that applies to coverage of the "insured person" for such "claim". No coverage shall apply to any "claim" for a "wrongful act" of such spouse or "dorr eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD D. Estates and Legal Representatives In the event of the death, incapacity or bankruptcy of an "insured person", any "claim" made against the estate, heirs, legal representatives or assigns of such "insured person" for a "wrongful act" of such "insured person" shall be deemed to be a "claim" made against such "insured person". No coverage shall apply to any "claim" for a "wrongful act" of such estate, heirs, legal representatives or assigns. E. Minimum Standards In the event that there is an inconsistency between: 1. the terms and conditions that are required to meet minimum standards of a state's law (pursuant to a state amendatory endorsement attached to this Coverage Part ), and 2. any other term or condition of this Coverage Part, it is understood and agreed that, where permitted by law, we shall apply those terms and conditions of 1. or 2. above that are more favorable to the "insured". F. Other Insurance 1. The coverage provided under this Coverage Part for any "employment practices claim" shall be primary. 2. Notwithstanding the above, the coverage provided under this Coverage Part for any "employment practices claim" made against a temporary, leased or loaned "employee" or an "independent contractor" shall be excess of the amount of any deductible, retention and limits of liability under any other policy or policies applicable to such "claim", whether such other policy or policies are stated to be primary, contributory, excess, contingent or otherwise, unless such other insurance is written specifically excess of this Policy by reference in such other policy or policies to this Policy's Policy number. G. Interrelationship of Claims All "claims" based upon, arising from or in any way related to the same "wrongful act" or "interrelated wrongful acts" shall be deemed to be a single "claim" for all purposes under this Coverage Part first made on the earliest date that: 1. any of such "claims" was first made, regardless of whether such date is before or during the "policy period"; 2. notice of any "wrongful act" described above was given to us under this Coverage Part pursuant to Sections IV or VIII; or 3. notice of any "wrongful act" described above was given under any prior insurance policy. H. Deductible Waiver Regarding a "claim" that is a class action civil proceeding, no Deductible shall apply to "claim expenses" incurred in connection with such "claim", and we shall reimburse the "insureds" for any covered "claim expenses" paid by the "insureds" within the Deductible otherwise applicable to such "claim", if a: 1. final adjudication with prejudice pursuant to a trial, motion to dismiss or motion for summary judgment; or 2. complete and final settlement with prejudice; establishes that none of the "insureds" in such "claim" are liable for any "loss". I. Application 1. The "insureds" represent that the Declarations and statements contained in the "application" are true, accurate and complete. This Coverage Part is issued in reliance upon the "application". 2. If the "application" contains intentional misrepresentations or misrepresentations that materially affect the acceptance of the risk by us no coverage shall be afforded under this Coverage Part for any "insureds" who knew on the Effective Date of this Coverage Part of the facts that were so misrepresented, provided that: a. knowledge possessed by any "insured person" shall not be imputed to any other "insured person"; and b. knowledge possessed by any of your chief executive officer, general counsel, chief financial officer, human resources director or any position equivalent to the foregoing of the "named insured", or anyone signing the "application", shall be imputed to all "insured entities". No other person's knowledge shall be imputed to an "insured entity". eRAMwagmedDMsiun Form SL 55 02 10 18 GF �/ �. �� RE�AexrED & APPROVED Sr: x © 2018, The Hartford 1 "" �"° (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD J. Changes in Exposure 1. Acquisitions or Created Subsidiaries If, before or during the "policy period", any "insured entity" acquires or creates a "subsidiary", then such acquired or created entity and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, shall be "insureds" to the extent such entities and persons would otherwise qualify as "insureds" under this Coverage Part„ but only for "wrongful acts" occurring after such acquisition or creation. No coverage shall be available for any "wrongful act" of such "insureds" occurring before such acquisition or creation, or for any "interrelated wrongful acts" thereto. However, if the fair value of the assets of any such acquired or created entity exceed 25% of the total assets of the "named insured" as reflected in its most recent consolidated financial statements prior to such acquisition or creation, then, as a condition precedent to coverage hereunder, the "insureds" shall give us written notice and full, written details of the acquisition or creation as soon as practicable (but, in all cases, within ninety (90) days of such acquisition or creation). There shall be no coverage under any renewal or replacement of this Coverage Part for any such new "subsidiary" and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, unless the "insureds" comply with the terms of this provision. 2. Mergers If, before or during the "policy period", any "insured entity" merges with another entity such that the "insured entity" is the surviving entity, then such merged entity and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, shall be "insureds" to the extent such entities and persons would otherwise qualify as "insureds" under this Coverage Part, but only for "wrongful acts" occurring after such merger. No coverage shall be available for any "wrongful act" of such "insureds" occurring before such merger or for any "interrelated wrongful acts" thereto. However, if the fair value of the assets of any newly merged entity exceed 25% of the total assets of the "named insured" as reflected in its most recent consolidated financial statements prior to such merger, then, as a condition precedent to coverage hereunder, the "insureds" shall give us written notice and full, written details of the merger as soon as practicable (but, in all cases, within ninety (90) days of such merger). There shall be no coverage under any renewal or replacement of this Coverage Part for any newly merged entity or any of its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, unless the "insureds" comply with the terms of this provision. 3. Takeover of Named Insured If, before or during the "policy period": a. the "named insured" merges into or consolidates with another entity such that the "named insured" is not the surviving entity; or b. more than 50% of the securities representing the right to vote for the "named insured's" board of directors or managers is acquired by another person or entity, group of persons or entities, or persons and entities acting in concert, then coverage shall continue under this Coverage Part, but only for "wrongful acts" occurring before any such transaction. No coverage shall be available for any "wrongful act" occurring after such transaction. Upon such transaction, this Coverage Part shall not be cancelled and the entire premium for this Coverage Part shall be deemed fully earned. The "insured" shall give us written notice and full, written details of such transaction as soon as practicable (but, in all cases, within ninety (90) days of such transaction). If any transaction described herein occurs, then we will not be obligated to offer any renewal or replacement of this Coverage Part. 4. Loss of Subsidiary Status If, before or during the "policy period", any entity ceases to be a "subsidiary", then coverage shall be available under this Coverage Part for such "subsidiary" and its "insured persons", but only for a "wrongful act" of such "insureds" occurring before such transaction. No coverage shall be available for any "wrongful act" of such "insureds" occurring after such transaction. eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD K. References To Laws 1. Wherever this Coverage Part mentions any law, including, without limitation, any statute, Act or Code of the United States, such mention shall be deemed to include all amendments of, and all rules or regulations promulgated under, such law. 2. Wherever this Coverage Part mentions any law or laws, including, without limitation, any statute, Act or Code of the United States, and such mention is followed by the phrase "or any similar law", such phrase shall be deemed to include all similar laws of all jurisdictions throughout the world, including, without limitation, statutes and any rules or regulations promulgated under such statutes as well as common law. L. Action Against Us 1. No action shall be taken against us unless there shall have been full compliance with all the terms and conditions of this Coverage Part. 2. No person or organization shall have any right under this Coverage Part to join us as a party to any "claim" against the "insureds" nor shall we be impleaded by the "insureds" in any such "claim". M. Entire Agreement This Coverage Part, the "application" and any written endorsements attached hereto, along with the Declarations constitute the entire agreement between you and us relating to this Coverage Part's insurance. N. Bankruptcy or Insolvency Bankruptcy or insolvency of any "insureds" shall not relieve us of any of our obligations under this Coverage Part. O. Authorization of First Named Insured The first "named insured" shall act on behalf of all "Insureds" with respect to all matters under this Coverage Part, including, without limitation, giving and receiving of notices regarding "claims", cancellation, election of the Extended Reporting Period, payment of premiums, receipt of any return premiums, and acceptance of any endorsements to this Coverage Part. P. When We Do Not Renew 1. If we decide not to renew this Coverage Part, we will mail or deliver to the first "named insured" shown in the Declarations written notice of the nonrenewal not less than thirty (30) days before the expiration date. 2. If notice is mailed, proof of mailing will be sufficient proof of notice. 3. Any state amendatory endorsement changing Nonrenewal Conditions for any part of this Policy shall also apply to this Coverage Part. eGF �D Form SL 55 02 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD WAGE AND HOUR CLAIMS EXPENSES - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM Exclusion B. in SECTION III - EXCLUSIONS is deleted and replaced by the following: B. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to: 1. any claims for unpaid wages (including overtime pay), workers' compensation benefits, unemployment compensation, disability benefits, or social security benefits; 2. any actual or alleged violation of the Worker Adjustment and Retraining Notification Act, the National Labor Relations Act, the Occupational Safety and Health Act, the Consolidated Omnibus Budget Reconciliation Act of 1985, "ERISK, or any similar law; or 3. any "wage and hour violation". Provided, however, that this Exclusion B. shall not apply to that portion of "loss" that represents: a. a specific amount the "insureds" become legally obligated to pay solely for a "wrongful act" of "retaliation"; or b. "Claims expenses" incurred to defend a "wage and hour violation" referenced in sub -paragraph 3. above subject to a Sub -Limit of Liability of $25,000 that is part of, and not in addition to, the Limits of Liability applicable to this Coverage Part (the Wage and Hour Defense Costs Sub -Limit). Moreover: 1. SECTION VIII.1.2. of this Coverage Part notwithstanding, 100% of the "insured's" "claims expenses" covered pursuant to this sub -paragraph b. shall be allocated to covered "loss" until the Wage and Hour Defense Costs Sub -Limit is exhausted. Once the Wage and Hour Defense Costs Sub -Limit is exhausted, allocation shall continue in accordance with SECTION VIII.1.2.; 2. the Wage and Hour Defense Costs Sub -Limit is available notwithstanding the fact that a "wage and hour violation" is not an "employment practices wrongful act"; and 3. the Wage and Hour Defense Costs Sub -Limit is only available for "claim expenses" incurred to defend a "wage and hour violation" that occurred on or after the "retroactive date" and before the end of the "policy period", regardless of whether any such "claim" for a "wage and hour violation" is made during the "policy period" or the Extended Reporting Period, if applicable. All other terms and conditions of this Coverage Part remain unchanged. eGF �D Form SL 55 34 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— ---- r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD THIRD PARTY LIABILITY ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM SECTION I - INSURING AGREEMENT of this Coverage Part is amended to include the following: Third Party Liability We shall pay "loss" on behalf of the "insureds" resulting from a "third party claim" first made against the "insureds" during the "policy period" or the Extended Reporting Period, if applicable, for a "third party wrongful act" by the "insureds." SECTION II - DEFINITIONS of this Coverage Part is amended in the following manner: A. The definition of "claim" is amended to include the following: "Claim" also means any "third party claim". B. The definition of "wrongful act" is amended to include the following: "Wrongful act" also means any actual or alleged "third party wrongful act". C. The following definitions are added: "Third party" means any natural person who is a customer, vendor, service provider or other business invitee of an "insured entity". "Third party" shall not include "employees". "Third party claim" means any: 1. written demand for monetary damages or other civil non -monetary relief commenced by the receipt of such demand; 2. civil proceeding, including an arbitration or other alternative dispute resolution proceeding, commenced by the service of a complaint, filing of a demand for arbitration, or similar pleading; or 3. Formal administrative or regulatory proceeding commenced by the filing of a notice of charges, formal investigative order or similar document; by or on behalf of a "third party". "Third party claim" also means a written request to the "insureds" to toll or waive a statute of limitations regarding a potential "third party claim" as described above. Such "claim" shall be commenced by the receipt of such request. "Third party wrongful act" means: 1. discrimination against a "third party" based upon age, gender, race, color, national origin, religion, creed, marital status, sexual orientation or preference, pregnancy, disability, HIV or other health status, Vietnam Era Veteran or other military status, or other protected status established under federal, state or local law; or 2. sexual harassment or other harassment of a "third party", including unwelcome sexual advances, requests for sexual favors or other conduct of a sexual nature. III. The following exclusion is added to SECTION III - EXCLUSIONS: We shall not pay 'loss" in connection with any "third party claim" based upon, arising from or in any way related to any price discrimination or violation of any anti-trust law or any similar law designed to protect competition or prevent unfair trade practices. All other terms and conditions of this Coverage Part remain unchanged. eGF �D Form SL 55 36 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD RETROACTIVE DATE ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM SECTION I - INSURING AGREEMENT of this Coverage Part is amended to include the following: This Coverage Part applies only to "claims" for "wrongful acts" that occurred on or after the "retroactive date" set forth in the Declarations and before the end of the "policy period", regardless of whether such "claim" is made during the "policy period" or the Extended Reporting Period, if applicable. The following definition is added to SECTION II - DEFINITIONS of this Coverage Part: "Retroactive date" means the date specified in the Declarations. If no date is specified, the "retroactive date" will be the same as the Effective Date of this Coverage Part. All other terms and conditions of this Coverage Part remain unchanged. eGF �D Form SL 55 37 10 18 ��/ 1°x REVIEWED & APPROVED SY: © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt Insurance Policy Billing Information Thank you for selecting The Hartford for your business insurance needs. Shortly, you will receive your first bill from us. You are receiving this Notice so you know what to expect as a valued customer of The Hartford. Should you have any questions after reviewing this information, please contact us at 866-467-8730, and we will be happy to assist you. o Your total policy premium will appear on your policy's Declarations Page. You will be billed based on the payment plan you selected. o You may pay the "minimum due" as it appears on your insurance bill or pay the policy balance in full. o An installment service fee is added to each installment. A late fee will also be applied if the "minimum due" is not received by the due date shown on your bill. Service and late payment fees do not apply in all states. o If you selected installment billing, any credit or additional premium due as the result of a change made to your policy, will be spread over the remaining billing installments. Additional premium due as a result of an audit will be billed in full on your next bill date following the completion of the audit. o If you elected Electronic Funds Transfer (EFT), policy changes may result in changes to the amount automatically withdrawn from your bank account. The invoice you receive following a policy change will include future withdrawal amounts. If you need to adjust or stop your next scheduled EFT withdrawal, please contact us at least 3 days prior to the scheduled withdrawal date at the telephone number shown below. o If you selected installment billing and pay the premiums for your first policy term on time, at renewal, your account may qualify for our "Equal Installment" feature. This means that the percentage due for each installment, including the initial renewal installment, will be the same throughout the policy term — helping you better manage cash flow. Equal installments will continue as long as you pay your premiums on time and no cancellation notices are issued for any policy on your account. If you no longer qualify for Equal Installments, future renewals will be billed based on the payment plan you selected, which includes a higher initial installment amount. o If your policy is eligible for renewal, your bill for the upcoming policy term will be sent to you approximately 30 days prior to your policy's renewal date. If your insurance needs change, please contact us at least 60 days prior to your renewal date so we can properly address any adjustments needed. o One bill convenience -- you have the option of combining all eligible Hartford policies on one single bill allowing you to make one payment for all policies on your account as payments are due. You're In Control In addition to selecting a bill plan option that best meets your budget, you have the flexibility to decide how your payments are made ... o Repetitive EFT: Sign up for Repetitive EFT payments and have payments automatically withdrawn from your bank account. This option saves you money by reducing the amount of the installment service fee. o Pay Online: Register at www.thehartford.com/servicecenter. Online Bill Pay is Quick, Easy and Secure! o Pay by Check: Send a check with your remittance stub in the envelope provided with your bill. o Pay by Phone: Call toll -free 1-866-467-8730. Should you have any questions about your bill, please call Customer Service toll -free number: 1-866-467-8730 - 7AM — 7PM CST. We look forward to being of service to you. Form 100722 11th Rev. Printed in U.S.A. ew cF RAMwagementDMsian Jy/\'x REVIEWED & APPROVED BY.- V'° --� Risk janagement Analyst THE HARTFORD COMMON POLICY CONDITIONS DECLARATIONS AND COMMON POLICY CONDITIONS I. DECLARATIONS Named Insured and Mailing Address Policy Period Description and Business Location Coverages and Limits of Insurance II. COMMON POLICY CONDITIONS QUICK REFERENCE - SPECTRUM POLICY Beginning on Page A. Cancellation 1 B. Changes 2 C. Concealment, Misrepresentation Or Fraud 2 D. Examination Of Your Books And Records 2 E. Inspections And Surveys 2 F. Insurance Under Two Or More Coverages 2 G. Liberalization 2 H. Premiums 2 I. Transfer Of Your Rights And Duties Under This Policy 3 J. Premium Audit 3 K. Payment of Premiums 3 eRAMwagmedDMsiun Form SC 00 00 10 18 GF ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COMMON POLICY CONDITIONS All coverages of this Policy are subject to the following conditions: A. CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this Policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. 5 days before the effective date of cancellation if any one of the following conditions exists at any building that is Covered Property in this Policy: (1) The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a) Seasonal unoccupancy; or (b) Buildings in the course of construction, renovation or addition. Buildings with 65% or more of the rental units or floor area vacant or unoccupied are considered unoccupied under this provision. (2) After damage by a Covered Cause of Loss, permanent repairs to the building: (a) Have not started; and (b) Have not been contracted for, within 30 days of initial payment of loss. (3) The building has: (a) An outstanding order to vacate; (b) An outstanding demolition order; or (c) Been declared unsafe by governmental authority. (4) Fixed and salvageable items have been or are being removed from the building and are not being replaced. This does not apply to such removal that is necessary or incidental to any renovation or remodeling. (5) Failure to: (a) Furnish necessary heat, water, sewer service or electricity for 30 consecutive days or more, except during a period of seasonal unoccupancy; or (b) Pay property taxes that are owed and have been outstanding for more than one year following the date due. This provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. b. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. c. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this Policy is canceled, we will send the first Named Insured any premium refund due. Such refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. eRAMwagmedDMsiun Form SC 00 00 10 18 GF ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD B. CHANGES This Policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this Policy with our consent. This Policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. C. CONCEALMENT, MISREPRESENTATION OR FRAUD This Policy is void in any case of fraud by you as it relates to this Policy at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Policy; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Policy. D. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and records as they relate to the Policy at any time during the policy period and up to three years afterward. E. INSPECTIONS AND SURVEYS 1. We have the right but are not obligated to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. Any inspections, surveys, reports or recommendations will relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of any person. We do not represent or warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations on our behalf. F. INSURANCE UNDER TWO OR MORE COVERAGES If two or more of this Policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. G. LIBERALIZATION If we adopt any revision that would broaden the coverage under this Policy without additional premium within 45 days prior to, or at any time during, the policy period, the broadened coverage will immediately apply to this Policy. H. PREMIUMS 1. The first Named Insured shown in the Declarations: a. Is responsible for the payment of all premiums; and b. Will be the payee for any return premiums we pay. 2. The premium shown in the Declarations was computed based on rates in effect at the time the Policy was issued. If applicable, on each renewal, continuation or anniversary of the effective date of this Policy, we will compute the premium in accordance with our rates and rules then in effect. 3. With our consent, you may continue this Policy in force by paying a continuation policy period. The premium must be: Form SC 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its cF RA ManWmad DMsian ke/ 1°x REVIEWED & APPROVED BY: v mwd --� Risk janagement Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD a. Paid to us prior to the anniversary date; and b. Determined in accordance with Paragraph 2. above. Our forms then in effect will apply. If you do not pay the continuation premium, this Policy will expire on the first anniversary date that we have not received the premium. 4. Changes in exposures or changes in your business operation, acquisition or use of locations that are not shown in the Declarations may occur during the policy period. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. I. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY 1. Your rights and duties under this Policy may not be transferred without our written consent except in the case of death of an individual Named Insured. 2. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. J. PREMIUM AUDIT 1. We will compute all premiums for this Policy in accordance with our rules and rates. 2. The premium amount shown in the Declarations is a deposit premium only. At the close of each policy period, we may do an audit to compute the earned premium for that period. Any additional premium found to be due as a result of the audit are due and payable on notice to the first Named Insured. If the deposit premium paid for the policy term is greater than the earned premium, we will return the excess to the first Named Insured. 3. The first Named Insured must maintain all records related to the coverage provided by this Policy and necessary to finalize the premium audit, and send us copies of the same upon our request. K. PAYMENT OF PREMIUMS If your initial premium payment is by check draft, electronic funds transfer, credit card, debit card, or any other form of remittance, coverage under the Policy is conditioned on payment to us by the financial institution. If the financial institution does not honor such remittance upon presentment, this policy may, at our option, be deemed void from its inception. Our President and Secretary have signed this Policy. Where required by law, the Declarations page has also been countersigned by our duly authorized representative. Lisa Levin, Secretary Douglas Elliot, President RAMwagmedDMsiun Form SC 00 00 10 18 �w GF ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SOUTH CAROLINA CHANGES - COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section A., CANCELLATION: 1. Paragraph 2. is deleted and replaced by the following: We may cancel this Policy by mailing or delivering to the first Named Insured and the agent, if any, written notice of cancellation at least: a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 2. Paragraph 3. is deleted and replaced by the following: We will mail or deliver our notice to the first Named Insured's and agent's last known addresses. 3. Paragraph 5. is deleted and replaced by the following: If this Policy is canceled, we will send the first Named Insured any premium refund due. Such refund will be pro rata. The cancellation will be effective even if we have not made or offered a refund. 4. The following provision is added and supersedes any provisions to the contrary: Cancellation Of Policies In Effect For 120 Days Or More If this Policy has been in effect for 120 days or more, or is a renewal or continuation of a Policy we issued, we may cancel this Policy only for one or more of the following reasons: a. Nonpayment of premium; b. Material misrepresentation of fact which, if known to us, would have caused us not to issue the Policy; c. Substantial change in the risk assumed, except to the extent that: (1) We had notice of the risk within the first 120 days of the policy period and this is not a renewal or continuation of a policy we issued; or (2) We should reasonably have foreseen the change or contemplated the risk in writing the Policy; d. Substantial breaches of contractual duties, conditions or warranties; or e. Loss of our reinsurance covering all or a significant portion of the particular Policy insured, or where continuation of the Policy would imperil our solvency or place us in violation of the insurance laws of South Carolina. Prior to cancellation for reasons permitted in this item e., we will notify the Commissioner, in writing, at least sixty days prior to such cancellation and the Commissioner will, within thirty days of such notification, approve or disapprove such action. Any notice of cancellation will state the precise reason for cancellation. B. The following provisions is added and supersedes any provisions to the contrary: NONRENEWAL 1. If we decide not to renew this Policy, we will mail or deliver written notice of nonrenewal to the first Named Insured and agent, if any, at their last known addresses. If notice is mailed, proof of mailing will be sufficient proof of notice. 2. If we decide not to renew this Policy, we will notify you of our decision in advance of: a. The expiration date of this Policy, if the Policy is written for a term of one year or less; or b. An anniversary date of this Policy, if the Policy is written for a term of more than one year. ew cF RAMwagmedDMsian Form SC 01 39 09 19 J_/ ,qq REVIEWED & APPROVED BY.- © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1- --WR r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. Any notice of nonrenewal shall be provided at least: a. 60 days prior to nonrenewal for a nonrenewal that will become effective on a date between November 1 and May 31. b. 90 days prior to nonrenewal for a nonrenewal that will become effective on a date between June 1 and October 31. 4. Any notice of nonrenewal will state the precise reason for nonrenewal. ew cF RAMwagmedDMsian Form SC 01 39 09 19 J_/ ,qq REVIEWED & APPROVED BY.- © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1- --WR r skPjanagementAnalpt THE HARTFORD PRODUCER COMPENSATION NOTICE You can review and obtain information on The Hartford's producer compensation practices at www.TheHartford.com or at 1-800-592-5717. Msiun Form SC 50 31 10 18 �w GF �� - ��/ 1°x REVIEWED & APPROVm BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. POLICY NUMBER: 22 SBA AE4WT4 SCHEDULE Terrorism Premium: $15 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act, as amended (TRIA), we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to coverage for "certified acts of terrorism" under TRIA. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement. B. The following definition is added with respect to the provisions of this endorsement: 1. A "certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of TRIA, to be an act of terrorism under TRIA. The criteria contained in TRIA for a "certified act of terrorism" include the following: a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and c. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion C. Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for a portion of insured losses, as indicated in the table below, attributable to "certified acts of terrorism" under TRIA that exceeds the applicable insurer deductible: 2020 or later 8070 RAMmWmadDMsian Form SC 70 00 10 18 �w GF ��/ 1°x REVIEWED & APPROVED BY.- Process Date: 10/12/2020 ©2018, The Hartford Policy 1'" ,. v (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD However, if aggregate industry insured losses under TRIA exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. The United States government has not charged any premium for their participation in covering terrorism losses. D. Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro-rata basis in accordance with procedures established by the Treasury, based on its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. E. Application of Other Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Form, Coverage Part or Policy. F. All other terms and conditions remain the same. Risk MmWmedDMsian Form SC 70 00 10 18 �w GF ��/ 1°x REVIEWED & APPROVm BY. - Process Date: 10/12/2020 ©2018, The Hartford Policy 1'" ,. v (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt THE HARTFORD U.S. DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by the United States. Please read this Notice carefully. The Office of Foreign Assets Control ("OFAC") of the U.S. Department of the Treasury administers and enforces economic and trade sanctions based on U.S. foreign policy and national security goals against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United States. OFAC acts under Presidential national emergency powers, as well as authority granted by specific legislation, to impose controls on transactions and freeze assets under U.S. jurisdiction. OFAC publishes a list of individuals and companies owned or controlled by, or acting for or on behalf of, targeted countries. It also lists individuals, groups, and entities, such as terrorists and narcotics traffickers designated under programs that are not country -specific. Collectively, such individuals and companies are called "Specially Designated Nationals and Blocked Persons" or "SDNs". Their assets are blocked and U.S. persons are generally prohibited from dealing with them. This list can be located on OFAC's web site at — http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is an SDN, as identified by OFAC, the policy is a blocked contract and all dealings with it must involve OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. eGF �D Form SC 90 15 10 18 ��/ 1°x REVIEWED & APPROVED BY.- © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its 1— -- P r skPjanagementAnalpt THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRADE OR ECONOMIC SANCTIONS ENDORSEMENT POLICY NUMBER: 22 SBA AE4WT4 NAMED INSURED: BiblioLabs LLC COMPANY NAME: Hartford Underwriters Insurance Company EFFECTIVE DATE: 11/23/2020 EXPIRATION DATE: 11/23/2021 This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions remain unchanged. MmWmadD- Form SC 90 16 10 18 �w GFREVIEWED & APPROVm SY: Process Date: 10/12/2020 ©2018, The Hartford Policy E 1'" (May include copyrighted material of Insurance Services Office, Inc., with itsr Wsk Pjanagement Analpt Francine R. Digitally signed by FrancineR. Villareal Villareal Date: 2021.04.1911:04.44-07'00' - ,,,..•� BIBLI-1 ACQRD' CERTIFICATE OF LIABILITY INSURANCE DATE(MMIDDIYYYY) 04/0512021 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. It`'.SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endomemen s . PRODUCER 843-747-9073 Pinckney Carter Company 1956 Remount Road P.O. Box 60118 North Charleston, SC 29419-0118 Joshua M Wood 52AJACT Gall Hallex PHONE 843-747-9073 AM. No. Ext): (Fa 843-747-4726 arc, No): RADMESS. gailgpincknoycarter.com IN URER S AFFORDING COVERAGE NAIC 0 INSURER A: Technology Insurance Company IN$ C Bi o�ab$$ LLG INSURERB:The Hartford Insurance Company 19682 P ox 21206 C 1eston, SC 294134206 T; INSURER C INSURER D : INSURER E . INSURER F : C6VFRAGFS CERTIFICATEREVISION `-TjWIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD DICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS RTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, --CLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. I TYPE OF INSURANCE ADIx SUB POLICY NUMBER PODGY EFF POLICY EXP LIMITS 1 Bi X COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE 1,000,000 yorl 7 CLAIMS -MADE 0 OCCUR X 22SBAAE4WT4 11/23/2020 11/2312021 DAMAGE TO RENTED PREMISES (Fa occurre 60,000 MED EXP (Any one persoM $ 10,000 Jo X NOHA PERSONAL & ADV INJURY $ 1,000,000 �. r. AGGR GATE LIMIT APPLIES PER: GENERAL AGGREGATE 2,000,000 $ �'L POLICY j LOC PRODUCTS - COMP/OP AGG 2,000,000 OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT $ BODILY INJURY Per erson �(Y ANY AUTO BODILY INJURY Per accident $ x OWNED SCHEDULED AUTEO�S ONLY AUITNNOS����pp PeOraEccRideM GE $ ..`St AUTOS ONLY AUTO�ONLY •t ( UMBRELLA LAD EA H OCCURRENCE HOCCUR AGGREGATE $ 1 EXCESS LIAB CLAIMS -MADE DED RETENTION $ C3. 'A'. WORKERS COMPENSATION X PER OTH- �, ` AND EMPLOYERS' LIABILITY ANY PROPRIETORIPARTNERIEXECUTNE Y l N C3862423 04/03/2021 04/03/2022 E.L. EACH ACCIDENT 1,000,0n0 $ 'i. FFICERIMEEMg�� EXCLUDED? ❑ {OMandatory In NH) N / A E.L. DISEASE - EA EMPLOYEE 1,000,000 .: Ityos.describe under 1,000,000 %.' DE RIPTION OF RA E.L. DISEASE - POLICY LIMIT B- Cyber Liability 2MB028662620 0711112020 07/11/2021 Nedia 1,000,000 [t #RIPTION OF OPERATIONS i LOCATIONS I VEHICLES (ACORD 101, Additlonal Remarks Schedule, may be attached It more space Is required) Cits�-of Santa Ana,officers, aggents, employee& volunteers are shown as insureds additional pursuan{ to written contract,aggreement onnemorandum. 301,day notice of cancellation except for non pay which is 10 days by state sti tUe. See attached policy, for list of exclusions. Liability is primary and In Qpontributory City of Santa Ana Risk Management Division 4TH FLOOR 20 Civic Center Plaza ct��Y Santa Ana, CA 92702 ACORD 25 (2016103) mA crc-� CITY-41 SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. „oRa_ AUTHORIZED REPRESENTATIVE �' ` — " F Risk MmsgernentDivislan REVIEWED & APPROVED BY. ©1988-2016 ACORD COF Risk Management Analyst The ACORD name and logo are registered marks of ACORD OCTOBER 12, 2020 Your insurance policy is scheduled to renew on 11/23/2020 with PINCKNEY CARTER COMPANY. Inside you'll find the documents you need to review for your new policy. In some cases, you may have paperwork that requires your special attention. If so, you'll see those documents packaged together right after this letter. WHAT HAPPENS NEXT As we get closer to your renewal date, we'll send your insurance bill. We may also reach out to you about whether you need to do your yearly premium audit. If so, we'll follow up with more information on how to get started. SEE WHAT YOU CAN DO ONLINE We've made it easy for you to manage your account digitally. Visit https://business.thehartford.com and click on "My Account" to log in or register. Once you do, you can: • Pay your bill, view payment history and enroll in Auto Pay • Request certificates of insurance • View billing and policy documents, and sign up for paperless delivery THANK YOU FOR YOUR BUSINESS On behalf of PINCKNEY CARTER COMPANY and The Hartford, we want to thank you again for choosing us. We look forward to serving your business insurance needs for the upcoming term, too. SC 50 62 10 18 �oRaN } z a RAMwaganadDMsiun REVIEWED & APPROVED BY: p R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS Thank you for renewing your policy with the Hartford. With this notice we are providing you only with the declarations page, which outlines your coverages, and with those policy forms, notices, and brochures which are different from those which we provided with your previous policy. You should retain all of these documents and those provided with your Previous policy indefinitely so that you will have a complete set of policy forms at all times for your reference. If you have questions, or if at any time you need copies of any of the forms listed on your policy you may access them by registering for access to the customer service portal at bus iness.TheHartford.com. You may also request them by calling your Hartford agent or broker, or the office of the Hartford identified on your policy, as appropriate. Form SC 50 64 06 20 © 2020, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskManaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&'Vd Risk Management Analyst NJ THE HARTFORD SOUTH CAROLINA - INFORMATION ON WINDSTORM LOSS MITIGATION FEATURES AND AVAILABLE PREMIUM DISCOUNTS - ADVISORY NOTICE TO POLICYHOLDERS This Notice provides information on the availability and range of premium discounts for properties on which fixtures or construction techniques demonstrated to reduce the amount of loss in a windstorm have been installed or implemented. The discounts apply only to the portion of the premium attributable to wind coverage. Listed below is general information about available discounts. The estimates below are general in nature and the actual amount of the discount(s), if any, may vary depending on specific features and conditions of the insured property. Please contact your agent, broker or Hartford representative for more specific information. Estimated Premium Description of Mitigation Measures Discount Percent Range Roof Covering and Roof Covering Attachment o South Carolina Building Code (SCBC) Equivalent: Roof coverings and attachments in compliance with the SCBC. .01 - .04 Roof Deck and Roof Deck Attachment o Plywood/Oriented Strand Board with nails 2 1/2-inches long spaced at 6 inches from the edge of the plywood and 12 inches in the field on 24-inch truss spacing; o Plywood/Oriented Strand Board with nails 2 1/2-inches long spaced at 6 .01 - .04 inches from the edge of the plywood and 6 inches in the field on 24-inch truss spacing; o Dimensional Lumber and Tongue and Groove Decks composed of 3/4-inch thick boards with nominal widths of 4 inches or more; or o Reinforced Concrete Roof Deck. Roof -To -Wall Connection (Roof Anchorage) o Clips: Pieces of metal that are nailed into the side of the rafter/truss and into the side of the top plate or wall stud. The metal does not wrap around the top of the rafter/truss, and the clip is only located on one side of the connection; o Hurricane Ties — Single Wraps: A single strap that is attached to the side and/or bottom of the top plate and is nailed to the rafter/truss; or .01 - .03 o Hurricane Ties — Double Wraps: Straps that are wrapped on both sides, are attached to the side and/or bottom of the top plate, and are nailed to the rafter/truss. Form SP 90 04 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THE HAIR FORD Estimated Premium Description of Mitigation Measures Discount Percent Range Door Strength o Reinforced Single -Width Doors. .01 - .02 Opening Protection o Tempered, Heat -Strengthened or Laminated Glass or Insulating Glass Units with no Engineered Shutters; or o Hurricane Engineered Shutters: All openings protected to meet the .01 - .07 requirements of the SCBC. Roof Shape o Hip: Roof has sloping ends and sloping sides down to the roof eaves line; or o Gable: Roof has vertical walls that extend all the way to the top of the inverted .02 - .07 o V. Gable roof must be braced to qualify for a discount. Secondary Water Resistance o Self -adhering modified bitumen tape to the plywood joints of the roof; or o Foamed polyurethane structural adhesive from inside the attic to cover the .01 - .02 joints between all plywood sheets of the roof. Form SP 90 04 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its i �oRaN r RiskMmVmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst -�* CERTIFICATE OF LIABILITY INSURANCE DATE(MM/DD/YYYY) 10/12/2020 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must be endorsed. If SUBROGATIONIS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER CONTACT PINCKNEY CARTER COMPANY 22292176 NAME: PHONE (877)853-2582 (A/C, No, Ext): FAX (888)443-6112 (A/C, No): PO BOX 60118 NORTH CHARLESTON SC 29419 E-MAIL ADDRESS: INSURER(S) AFFORDING COVERAGE NAIC# INSURED INSURER A: Hartford Underwriters Insurance Company 30104 BiblioLabs LLC INSURERB: PO BOX 21206 INSURER C : CHARLESTON SC 29413-1206 INSURER D INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED.NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL INSR SUBR WVD POLICY NUMBER POLICY EFF MM/DD/YYYY POLICY EXP MM/DD/YYYY LIMITS COMMERCIAL GENERAL LIABILITY EACH OCCURRENCE $1,000,000 CLAIMS -MADE OCCUR DAMAGE TO RENTED $1,000,000 PREMISES Ea occurrence X MED EXP (Any one person) $10,000 General Liability A 22SBAAE4WT4 11/23/2020 11/23/2021 PERSONAL & ADV INJURY $1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $2,000,000 POLICY ❑ PRO - X JECT ❑ LOC PRODUCTS - COMP/OPAGG $2,000,000 OTHER: AUTOMOBILE LIABILITY COMBINED SINGLE LIMIT Ea accident BODILY INJURY (Per person) ANY AUTO ALL OWNED SCHEDULED AUTOS AUTOS BODILY INJURY (Per accident) HIRED NON -OWNED PROPERTY DAMAGE AUTOS AUTOS (Per accident) UMBRELLA LIAB OCCUR EACH OCCURRENCE EXCESS LIAB CLAIMS- MADE AGGREGATE DED RETENTION $ WORKERS COMPENSATION PER OTH- AND EMPLOYERS' LIABILITY STATUTE ER E.L. EACH ACCIDENT ANY Y/N PROPRIETOR/PARTNER/EXECUTIVE OFFICER/MEMBER EXCLUDED? N/A E.L. DISEASE -EA EMPLOYEE (Mandatory in NH) If yes, describe under E.L. DISEASE - POLICY LIMIT DESCRIPTION OF OPERATIONS below A Employment Practices Liability Insurance 22 SBAAE4WT4 11/23/2020 11/23/2021 Each Claim Limit Annual Aggregate Limit $25,000 $25,000 DESCRIPTION OF OPERATIONS/LOCATIONS/VEHICLES (ACORD 101, Additional Remarks Schedule, may be attached if more space is required) Those usual to the Insured's Operations. Certificate holder is an additional insured per the Blanket Additional Insured By Contract Form SL3032 attached to this policy. "FOR INFORMATIONAL PURPOSES ONLY" SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED PO BOX 21206 BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED CHARLESTON SC 29413-1206 IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE © 1988-2015 ACORD CORF RiskMatlagementDMsian z% ice ACORD 25 (2016/03) The ACORD name and logo are registered marks of ACORD 3; z REVIEWED &APPROVED BY. - Risk Management Analyst THE -A HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS Thank you for choosing The Hartford for your business insurance needs. You are receiving this Notice because you purchased a business owner's policy from The Hartford, (your Policy was issued by The Hartford writing company identified on your policy Declarations page) which includes access to The Hartford Cyber Center. This portal was created because we recognize that businesses face a variety of cyber-related exposures and need help managing the related risks. These exposures include data breaches, computer virus attacks and cyber extortion threats. Through The Hartford Cyber Center, you have access to: 1. A panel of third party incident response service providers 2. Third party cybersecurity pre -incident service providers and a list of approved services to help protect your business before a cyber-threat occurs 3. Risk management tools, including self -assessments, best practice guides, templates, sample incident response plans, and data breach cost calculators 4. White papers, blogs and webinars from leading privacy and security practitioners 5. Up-to-date cyber-related news and events, including examples of privacy and security related events Accessing The Hartford Cyber Center is easy 1. Visit www.thehartford.com/cybercenter 2. Enter policyholder information 3. Access code: 952689 4. Login to The Hartford Cyber Center This Notice does not amend or otherwise affect the provisions of your business owner's policy. Coverage Options: The Hartford offers a variety of endorsements to your business owner's policy that can help protect your business from a broad range of cyber-related threats. Please review your coverage with your insurance agent or broker to determine the most appropriate cyber coverages and limits for your business. Claims Reporting: If you have a claim, you can report it by calling The Hartford's toll -free claims line at 1-800-327-3636. Should you have any questions, please contact your insurance agent, broker or you may contact us directly. We appreciate your business and look forward to being of continued service to you. Please be aware that: 1. The Hartford Cyber Center is a proprietary web portal exclusively provided to customers of The Hartford. Please do not share the access code with anyone outside your organization. 2. Registration is required to access the Cyber Center. You may register as many users as necessary. 3. Contacting a service provider about any issue does not constitute providing The Hartford notice of a claim as required under your insurance policy. Read your insurance policy and discuss any questions with your agent or broker. The Hartford Cyber Center provides third party service provider references and materials for educational purposes only. The Hartford does not specifically endorse any such service provider within The Hartford Cyber Center and hereby disclaims all liability with respect to use of or reliance on such service providers. All service providers are independent contractors and not agents of The Hartford. The Hartford does not warrant the performance of the service providers, even if such services are covered under your Business Owners Policy. We strongly encoural assessments of the service providers' services and the fitness or adequacy of such services Form SC 90 04 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its a F Risk Manage meet Division REVIEWED & APPROVED BY.- - Risk Management Analyst BUSINESS OWNER'S POLICY Form: SC 00 12 10 18 Toge 00206588 Risk MwaganedDMsiun REVIEWED & APPROVED BY.- pl. Risk Management Analyst Declarations: THE HARTFORD Business Owner's Policy Policy Number: 22 SBA AE4WT4 Name of Agency/Broker: PINCKNEY CARTER COMPANY Policy Period: 11/23/2020 to 11/23/2021, 12:01 a.m., Standard time at your mailing address shown here. Exception: 12 noon in New Hampshire. Insurer: Hartford Underwriters Insurance Company, a property and casualty company of The Hartford. One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: BiblioLabs LLC PO BOX 21206 CHARLESTON, SC 29413-1206 Type of Business: Technology Service Provider PO BOX 60118 NORTH CHARLESTON, SC 29419 Code: 22292176 Previous Policy Number: 22 SBA AE4WT4 Organization Type: LLC Audit Period: Auditable Insurance Provided: In return for the payment of the premium and subject to all of the terms of this policy, we agree with you to provide insurance as stated in this policy. DTAL PREMIU ����W$748* Total Premium includes the premium for all Coverage Parts issued to you in this policy, as well as any companion policies delivered with this policy. Total Premium includes any applicable fees and surcharges. Total Premium may change based on coverage changes made through endorsement or if your policy is subject to Premium Audit. Countersigned by: �4ele-�� 1�f CgQt� Authorized Representative 10/12/2020 Date A Business Owner's Policy typically covers property and business liability risks. Generally, Property insurance pays you if a covered cause of loss damages property that you own, rent or lease. Business liability insurance pays in certain cases where something you do or something you own causes injury or damage to someone else, or someone else's property. Please see the coverages and limits described in your Declarations for details regarding the insurance you purchased. This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated prope tv an casualty It companies. Form: SC 00 01 10 18 insurance Declarations: THE HARTFORD Business Owner's Policy T 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 I 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. STRETCH® PLUS A unique feature of The Hartford's policy is an optional enhancement to the policy which increases the limit of insurance for several coverages and adds new coverages to the policy. STRETCH° PLUS Blanket Limit Provides a single limit of insurance that applies to more than one Coverage. Coverages subject to the STRETCH® Blanket Limit may also have additional limits of insurance which would apply in addition to the STRETCH® Blanket Limit. '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 HORaN } r � RiskMaaganerdDMsian REVIEWED & APPROVED BY.- Risk Management Analyst QUDeclarations: Locations and Location -Based Coverages Here's how your Business Owner's insurance coverage and limits apply to your business locations (LOC). If you have more than one location or building (BLDG), we break out your coverage and limits separately for each LOC. LOC 1, BLDG 1 Class: Technology Service Provider Location: 22 WESTEDGE ST STE 410 CHARLESTON,SC 29403-4702 Construction Type: Non-combustible Year Built: 2018 Property Deductible: $2,500 Covered Property (Form Number SP 00 00 10 18) Business Personal Property, includes: • Tenant's Improvements and Betterments • Personal Property of Others Business Personal Property (BPP) - Business Personal Property Limit - Additional Seasonal Increase % Building Other Location -Based Coverages and Features Windstorm or Hail Percentage Deductible Form Number SP 10 06 10 18 Windstorm or Hail Percentage Deductible Form Number SC 01 69 10 18 Form: SC 00 01 10 18 Valuation Business Personal Property (BPP): Replacement Cost $52,300 25% - Included $0 MKOMM 5% 5% HORaN } r MUM RiskMwagementDMsian REVIEWED & APPROVED BY.- Risk Management Analyst fm Declarations: JM1 Property Coverage Part The coverages listed below apply to the location(s) for which you purchased property coverage. The limits in the right-hand column show the maximum amount we'll pay. Read the entire Coverage Part to determine your rights, duties and what is and is not covered under the coverages listed below. STRETCH° PLUS Blanket Limit: $150,000 SP 30 23 10 18 SP 30 18 10 18 ACCOUNTS RECEIVABLE ARSON AND THEFT REWARD SP 30 57 10 18 BACK-UP OF SEWERS AND DRAINS COVERAGE SP 30 31 10 18 BRANDS AND LABELS SP 30 59 10 18 BUILDING PROPERTY OF OTHERS SP 30 13 10 18 BUSINESS INCOME AND EXTRA EXPENSE Extended Business Income Limit Type Period of Restoration Waiting Period SP 30 19 10 18 BUSINESS INCOME FOR CIVIL AUTHORITY ORDERS Duration of Coverage Waiting Period SP 30 40 10 18 BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES Limit Waiting Period BUSINESS INCOME FROM DEPENDENT PROPERTIES Limit Period of Restoration Waiting Period SP 30 14 10 18 SP 30 45 10 18 BUSINESS INCOME FROM OFF -PREMISES OPERATIONS Extended Business Income Limit Waiting Period SP 30 47 10 18 BUSINESS INCOME FROM WEBSITES Limit Max Period of Restoration Waiting Period SP 30 32 10 18 CLAIM EXPENSE SP 30 00 10 18 SP 30 60 10 18 COLLAPSE COMPUTERS WORLDWIDE Included in STRETCH® PLUS Blanket Limit $10,000 Included' Included' $25,000 90 days Actual Loss Sustained 12 months None 30 days None $50,000 12 hours $50,000 12 months None 90 days $50,000 None $25,000 7 days 12 hours $25,000 Included2 Included in STRETL'H� Risk ManWmerd DMsian �� REVIEWED & APPROVED BY.- Form: SC 00 01 10 18 �I; i r P1. M44441 Risk Management Analyst fm Declarations: JM1 Property Coverage Part CONTINUED •- •- Additional Limit •INSURANCE $10,000 SP 30 37 10 18 CONTRACT PENALTIES $5,000 SP 30 01 10 18 DEBRIS REMOVAL Included in STRETCH® PLUS Blanket Limit Limit 25% of amount paid for covered loss SP 30 29 10 18 ELECTRONIC DATA Stretch Policy Year Limit Included in STRETCH® PLUS Blanket Limit SP 30 42 10 18 EMPLOYEE DISHONESTY COVERAGE - EXCLUDES ERISA COMPLIANCE $25,000 SP 30 02 10 18 EQUIPMENT BREAKDOWN Included2 Property Deductible Deductible Defense Expediting Expenses Hazardous Substances Supplementary Payments Included $50,000 $50,000 Included SP 30 38 10 18 EXPEDITING EXPENSES $25,000 SP 30 55 10 18 FINE ARTS COVERAGE $25,000 SP 30 03 10 18 FIRE DEPARTMENT SERVICE CHARGE Included in STRETCH® PLUS Blanket Limit SP 30 04 10 18 FIRE EXTINGUISHER RECHARGE Included2 SP 30 16 12 19 FORGERY COVERAGE (INCLUDING CREDIT CARDS, CURRENCY AND MONEY ORDERS) $50,000 SP 30 46 10 18 FRAUDULENT TRANSFER COVERAGE GARAGES, STORAGE BUILDINGS, AND OTHER APPURTENANT STRUCTURES GLASS EXPENSE $25,000 SP 30 05 10 18 $50,000 SP 30 06 10 18 Included2 SP 30 22 10 18 IDENTITY RECOVERY FOR BUSNESSOWNERS AND EMPLOYEES Deductible $250 $15,000 Limit Lost Wages and Child and Elder Care Expense $250 per day, $5,000 per policy year Mental Health Sublimit $1,500 SP 30 30 10 18 INTERRUPTION OF COMPUTER OPERATIONS Period of Restoration 12 months Policy Year Limit $50,000 Waiting Period 12 hours SP 30 07 10 18 LEASE ASSESSMENT $2,500 SP 30 54 10 18 LEASEHOLD IMPROVEMENTS $ Form: SC 00 01 10 18 �oRaN RiskManaganerdDMsian REVIEWED & APPROVED BY. - Risk Management Analyst CONTINUED SP 30 17 10 18 SP30081018 SP 30 36 03 20 SP30281018 SP30241018 SP30391018 SP30501018 SP 30 11 12 19 SP30251018 SP 31 35 10 18 SP30331018 SP30531018 SP30091018 SP30201018 SP30101018 SP30261018 SP30341018 SP 30 51 10 18 SP30491018 SP30441018 SP 30 61 10 18 Form: SC 00 01 10 18 Declarations: Property Coverage Part LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE Limit Period of Restoration LOCK AND KEY REPLACEMENT LOST KEYS MONEY AND SECURITIES COVERAGE Inside the Premises Limit Outside the Premises Limit NEWLY ACQUIRED OR CONSTRUCTED PROPERTY Newly Acquired or Constructed BI/EE Limit Newly Acquired or Constructed BPP Limit NON -OWNED DETACHED TRAILERS OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE ORDINANCE OR LAW COVERAGE Increased Cost of Construction & Demolition Costs Limit Undamaged Part Limit OUTDOOR PROPERTY OUTDOOR SIGNS ON PREMISES PAIRS OR SETS PAVED SURFACES PERSONAL EFFECTS POLLUTANTS AND CONTAMINANTS CLEAN UP AND REMOVAL PRESERVATION OF PROPERTY PROPERTY OFF -PREMISES SALESPERSONS SAMPLES SPOILAGE Business Income Limit Waiting Period SUMP OVERFLOW OR SUMP PUMP FAILURE THEFT DAMAGE TO BUILDING TRANSIT BUSINESS INCOME Limit Period of Restoration $50,000 30 days $1,000 $2,500 $10,000 $5,000 $500,000 $750,000 Included in STRETCH® PLUS Blanket Limit $25,000 $25,000 $25,000 $50,000 $25,000 Included2 $25,000 Included in STRETCH® PLUS Blanket Limit $15,000 45 days $50,000 $5,000 Included in STRETCH® PLUS Blanket Limit $25,000 12 hours $25,000 Included2 $25,000 12 �oRaN RiskManagmerdDMsian REVIEWED & APPROVED BY. - Risk Management Analyst fm Declarations: JM1 Property Coverage Part CONTINUED •- Waiting Period •INSURANCE None TRANSIT COVERAGE $25,000 307521018 UNAUTHORIZED BUSINESS CARD USE $5,000 SP 30 12 10 18 VALUABLE PAPERS AND RECORDS Included in STRETCH® PLUS Blanket Limit SP 30 35 10 18 SP 30 27 10 18 VALUATION CHANGES: COMMODITY, FINISHED AND MERCANTILE STOCK WATER DAMAGE, OTHER LIQUID, POWDER OR MOLTEN MATERIAL DAMAGE Included Includedz 2Included within Covered Property Limit(s) (Building and/or Business Personal Property) • s - - • - s l EQRMS Form Number Form Name SP 70 03 10 18 CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM - SPECIAL PROPERTY COVERAGE FORM SP 90 05 10 18 IMPORTANT NOTICE TO POLICYHOLDERS - SOUTH CAROLINA WIND PREMIUM NOTIFICATION SP 20 08 10 18 PERILS SPECIFICALLY EXCEPTED SP 90 04 10 18 SOUTH CAROLINA - INFORMATION ON WINDSTORM LOSS MITIGATION FEATURES AND AVAILABLE PREMIUM DISCOUNTS - ADVISORY NOTICE TO POLICYHOLDERS SP 01 39 10 18 SOUTH CAROLINA CHANGES - SPECIAL PROPERTY COVERAGE FORM SP 00 00 10 18 SPECIAL PROPERTY COVERAGE FORM * Price is subject to fees and surcharges. For more details, refer to Page 10 Form: SC 00 01 10 18 �oRaN } r RiskManagemerdDiMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst Declarations: Business LiabilityCoverage Part Your policy includes the liability coverages listed below. The limits in the right-hand column show the maximum amount we'll pay. SL 00 00 10 18 BUSINESS LIABILITY COVERAGE FORM Damage To Premises Rented To You Limit $1,000,000 General Aggregate Limit $2,000,000 Liability and Medical Expenses Limit $1,000,000 Medical Expenses Limit $10,000 Personal and Advertising Injury Limit $1,000,000 Products -Completed Operations Aggregate Limit $2,000,000 Property Damage Liability Deductible No Deductible ADDITIONAL BUSINESS LIABILITY COVERAGES SL 30 32 10 18 BLANKET ADDITIONAL INSURED BY CONTRACT Included' 'Included in Business Liability Limit(s) * Price is subject to fees and surcharges. For more details, refer to Page 10 Form: SC 00 01 10 18 �oRaN } r Risk MwagemerdDi sign REVIEWED & APPROVED BY.- p R. VSA44a Risk Management Analyst M Declarations: � Other Liability Coverages Your policy also includes the following additional liability Coverage Parts or polices. Please see the applicable Declaration form for details. DECLARATION COVERAGE NARM PREMIUM FORM NUMBER SL 55 74 10 18 Employment Practices Liability Insurance I Included rF Declarations: Common Forms Your policy includes the Common Forms listed below. These forms apply to all Coverage Parts on your policy. FORM NUMBER FORM NAME ACORD25BInktAddln BLANKET ADDITIONAL INSURED - COI sd SC 00 00 10 18 COMMON POLICY CONDITIONS SC 00 01 10 18 DECLARATIONS: BUSINESS OWNER'S POLICY SC 70 00 10 18 DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT SC 50 64 06 20 IMPORTANT NOTICE TO POLICYHOLDER'S SC 50 46 10 18 IMPORTANT NOTICE TO POLICYHOLDERS SC 90 04 10 18 IMPORTANT NOTICE TO POLICYHOLDERS THE HARTFORD CYBER CENTER WEBSITE ACCESS 100722 INSURANCE POLICY BILLING INFORMATION SC 50 31 10 18 PRODUCER COMPENSATION NOTICE SC 01 39 09 19 SOUTH CAROLINA CHANGES - COMMON POLICY CONDITIONS SC 00 12 10 18 SPECTRUM BUSINESS OWNER'S POLICY JACKET SC 00 02 10 18 SPECTRUM SUPPLEMENTAL SCHEDULE OF AUDITABLE COVERAGES SC 90 16 10 18 TRADE OR ECONOMIC SANCTIONS ENDORSEMENT SC 90 15 10 18 US DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL (OFAC) ADVISORY NOTICE TO POLICYHOLDERS Form: SC 00 01 10 18 HORaN } r RiskManagmerdDMsian REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst � Declarations: 7-7"J Other Charges States laws and regulations may require you to pay taxes, fees, surcharges or other costs. We've listed those charges below Other Premiums Policy Base Premium Terrorism Premium Form: SC 00 01 10 18 $220 $15 HORaN } r Risk Mwag merdDMsian REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst �•� Declarations: Employment Practices Liability Coverage Part COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'S PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS AVAILABLE. This Declarations Page, with Common Policy Conditions, Employment Practices Liability Coverage Form and Endorsements, if any, shall together constitute this Employment Practices Liability Coverage Part, which in turn forms a part of the Policy Number shown below. The Nuclear Energy Liability Exclusion (Form SL 20 06) of the Policy to which this Coverage Part is attached also applies to this Coverage Part. Policy Number: 22 SBA AE4WT4 Policy Period Effective date: 11 /23/2020 Expiration date: 11 /23/2021 12:01 A.M., Standard time at the address of the named insured as stated herein. 12 noon in New Hampshire. Insurer: Hartford Underwriters Insurance Company One Hartford Plaza, Hartford, CT 06155 Named Insured and Mailing Address: BiblioLabs LLC PO BOX 21206 CHARLESTON, SC 29413-1206 PREMIUM: Included This Spectrum® Business Owner's Policy consists of the Declarations, Coverage Forms, Coverage Parts, Common Policy Conditions and any other Forms and endorsements issued to be a part of the Policy. The Hartford® is Hartford Fire Insurance Company and its affiliated property and casualty insurance companies. Form: SL 55 74 10 18 Process Date: 10/12/2020 Policy Expiration Date: 11/23/2021 HORaN } z Risk ManagzmentDMsian REVIEWED & APPROVED SY.- >F R. VSA44a Risk Management Analyst �•� Declarations: Employment Practices Liability Coverage Part CONTINUED POLICY PERIOD EFFECTIVE DATE: 11 /23/2020 EXPIRATION DATE: 11 /23/2021 12:01 A.M., Standard time at the address of the named insured as stated herein. Exception: 12 noon in New Hampshire. LIMITS OF LIABILITY EACH CLAIM LIMIT: $25,000 ANNUAL AGGREGATE LIMIT: $25,000 RETROACTIVE DATE: 11 /23/2019 If no date is entered, the Retroactive Date is the same as the effective date of this Coverage Part. DEDUCTIBLE: $ Each claim Form Numbers of Forms and Endorsements that apply: FORM NUMBER FORM NAME SL 55 74 10 18 DECLARATIONS - EMPLOYMENT PRACTICES LIABILITY COVERAGE PART SL 55 36 10 18 THIRD PARTY LIABILITY ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY SL 55 34 10 18 WAGE AND HOUR CLAIMS EXPENSES - EMPLOYMENT PRACTICES LIABILITY SL 55 37 10 18 RETROACTIVE DATE ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY SL 55 02 10 18 EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) Countersigned by: �'�-� C� 10/12/2020 Authorized Representative Form: SL 55 74 10 18 Process Date: 10/12/2020 Policy Expiration Date: 11/23/2021 Date �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED SY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SPECTRUM SUPPLEMENTAL SCHEDULE OF AUDITABLE COVERAGES This schedule reflects only those classes and/or coverages that are subject to audit. POLICY NUMBER: 22 SBA AE4WT4 Revised: 10/12/2020 Entries herein, except as specifically provided elsewhere in this policy, do not modify any of the other provisions of this policy. Auditable Coverage Description: LOC 1, BLDG 1: 22 WESTEDGE ST STE 410CHARLESTON,SC 29403-4702 Class Code: 11041 Class Code Description: Technology Service Provider Coverage Description Rating Basis Exposure Final Rate Business Income from Off- Premises Operations Sales 2,304,500 0.003000 Collapse Sales 2,304,500 0.001000 Newly Acquired or Constructed Property Sales 2,304,500 0.001000 Products - Completed Operations Sales 2,304,500 0.018000 Sump Overflow or Sump Pump Failure Sales 2,304,500 0.001000 Limited Fungi, Bacteria or Virus Coverage Sales 2,304,500 0.001000 Interruption of Computer Operations Sales 2,304,500 0.003000 Business Income from Websites Sales 2,304,500 0.001000 Employee Dishonesty Coverage - Excludes ERISA Compliance Sales 2,304,500 0.027000 Spoilage Sales 2,304,500 0.001000 Business Income from Civil Authority Actions Sales 2,304,500 0.001000 Transit Business Income Sales 2,304,500 0.001000 Fraudulent Transfer Coverage Sales 2,304,500 0.011000 Liability and Med Exp (Premises/Completed Operations) Sales 2,304,500 0.015000 Business Income and Extra Expense Sales 2,304,500 0.049000 Form SC 00 02 10 18 Process Date: 10/12/2020 © 2018, The Hartford Policy E (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN o r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THE -A HARTFORD SPECTRUM POLICY DECLARATIONS (CONTINUED) SUPPLEMENTAL DECLARATIONS: THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR WIND OR HAIL LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. THE ENCLOSED EXAMPLE ILLUSTRATES HOW THE DEDUCTIBLE MIGHT AFFECT YOU (SEE THE WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE — SOUTH CAROLINA ENDORSEMENT FORM SP 10 06 ATTACHED TO THIS POLICY). Form SC 01 69 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RAMwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&'Vd Risk Management Analyst THE -A HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS To help your insurance keep pace with increasing costs, we have increased your amount of insurance ... giving you better protection in case of either a partial, or total loss to your property. If you feel the new amount is not the proper one, please contact your agent or broker. Form SC 50 46 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r Risk MmagemadDMsian REVIEWED & APPROVED BY.- f R. Vj&'Wd Risk Management Analyst SPECIAL PROPERTY COVERAGE FORM SPECIAL PROPERTY COVERAGE FORM READ YOUR POLICY CAREFULLY QUICK REFERENCE A. COVERAGES Covered Property Property Not Covered Covered Causes of Loss Limitations Additional Coverages Coverage Extensions B. EXCLUSIONS C. LIMITS OF INSURANCE D. DEDUCTIBLES E. PROPERTY LOSS CONDITIONS Abandonment Appraisal Duties in the Event of Loss or Damage Legal Action Against Us Loss Payment Recovered Property Salvage Vacancy F. PROPERTY GENERAL CONDITIONS Control of Property Mortgage Holders No Benefit to Bailee Other Insurance Policy Period, Coverage Territory Transfer Of Rights of Recovery Against Others To Us G. PROPERTY DEFINITIONS Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I THE HARTFORD Beginning on Page 1 1 2 2 2 3 3 3 9 10 10 10 10 10 11 11 13 14 14 14 14 14 15 15 15 15 16 �oRaN r RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst I: Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I THE -A HARTFORD SPECIAL PROPERTY 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 Part 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. "Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier. Other words and phrases that appear in quotation marks have special meaning. Refer to Section G., PROPERTY DEFINITIONS. A. COVERAGE We will pay for direct physical loss of or direct physical damage to Covered Property at the premises described in the Declarations (also called "scheduled premises" in this Coverage Part) caused by or resulting from a Covered Cause of Loss. 1. Covered Property Covered Property as used in this Coverage Part, means the following types of property for which a Limit of Insurance is shown in the Declarations: a. Buildings, meaning the building(s) and structure(s) described in the Declarations, including: (1) Completed additions; (2) Fixtures, including outdoor fixtures; (3) Permanently installed: (a) Machinery; and (b) Equipment; (4) Your personal property in apartments, rooms or common areas furnished by you as landlord; (5) Building Glass, meaning glass that is part of a building or structure; (6) Personal property owned by you that is used to maintain or service the buildings or structures on the premises, including: (a) Fire extinguishing equipment; (b) Outdoor furniture; (c) Floor coverings; and (d) Appliances used for refrigerating, ventilating, cooking, dishwashing or laundering; (7) If not covered by other insurance: (a) Additions under construction, alterations and repairs to the buildings or structures; (b) Materials, equipment, supplies and temporary structures, on or within 1,000 feet of the "scheduled premises", used for making additions, alterations or repairs to the buildings or structures. Business Personal Property located in or on the building(s) or structure(s) described in the Declarations at the "scheduled premises" or in the open (or in a vehicle) within 1,000 feet of the building(s) or structure(s) or within 1,000 feet of the "scheduled premises", whichever distance is greater, including: (1) Property you own that is used in your business; (2) Tools and equipment owned by your "employees", which are used in your business "operations"; (3) Property of others that is in your care, custody or control; (4) "Tenant improvements and betterments"; (5) Leased personal property for which you have contractual responsibility to insure unless otherwise provided for under this Coverage Part; and a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst NJ THE HARTFORD (6) Exterior building glass, if you are a tenant and no Limit of Insurance is shown in the Declarations for Building property. The glass must be owned by you or in your care, custody or control and for which the lease holds you responsible. 2. Property Not Covered Covered Property does not include: a. Aircraft (including "unmanned aircraft", other than "unmanned aircraft" held for sale); b. Automobiles, motortrucks and other vehicles subject to motor vehicle registration; c. Automobiles held for sale; d. Trailers or semi -trailers except as otherwise provided for in this Coverage Part; e. "Money", bank notes and "securities", except as otherwise provided in this Coverage Part; f. Contraband, or property in the course of illegal transportation or trade; g. Land, whether or not resurfaced with stone, gravel or similar layer or a paved surface, (including land on which the property is located), land improvements, water (including water that is natural, metered water that is purchased from a utility company or other supplier, water that is located within a swimming pool, and/or bulk containerized water which is used for a fire suppression system. This does not include containerized water that is "stock"), growing crops, standing timber or lawns (other than lawns which are part of a vegetated roof); h. Outdoor fences, radio or television antennas (including satellite dishes), including their lead-in wiring, masts or towers, signs (other than signs attached to buildings), trees, shrubs or plants (other than "stock" of trees, shrubs or plants or trees, shrubs or plants which are sold but not delivered or which are part of a vegetated roof), except as otherwise provided for in this Coverage Part; i. Watercraft (including motors, equipment and accessories) while afloat; j. "Valuable papers and records" (including the cost to research, replace or restore the information on "valuable papers and records"), except as otherwise provided for in this Coverage Part; k. "Electronic data" (including the cost to research, replace or restore "electronic data") except as otherwise provided for in this Coverage Part. This Paragraph k. does not apply to your "stock" of prepackaged software; I. Accounts, bills, food stamps, other evidences of debt or accounts receivable, except as otherwise provided for in this Coverage Part; m. "Computer(s)" which are permanently installed in aircraft, watercraft, motor truck, or other vehicles subject to motor vehicle registration; n. Live eggs, embryos and cells; o. Animals, unless owned by others and boarded by you, or if owned by you, only as "stock" while inside of buildings, except as otherwise provided for in this Coverage Part; and p. Property that is more specifically covered, insured or described elsewhere within this Coverage Part or in any other policy, except for the excess of the amount due (whether you can collect on it or not) from other insurance. 3. Covered Causes of Loss Covered Cause of Loss means direct physical loss or direct physical damage unless the loss or damage is excluded or limited in this Coverage Part. 4. Limitations a. We will not pay for loss of or damage to: (1) Property that is missing, where the only evidence of the loss or damage is a shortage disclosed on taking inventory, or other instances where there is no physical evidence to show what happened to the property; (2) Property that has been transferred to a person or to a place outside the "scheduled premises" on the basis of unauthorized instructions, except as otherwise provided for in this Coverage Part; or (3) The interior of any building or structure, or to personal property in the building or structure, caused by or resulting from rain, snow, sleet, ice, sand or dust, whether driven by wind or not, unless: Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE -A HARTFORD (a) The building or structure first sustains physical damage by a Covered Cause of Loss to its roof or walls through which the rain, snow, sleet, ice, sand or dust enters; or (b) The loss or damage is caused by or results from thawing of snow, sleet, or ice on the building or structure. b. Pets and animals are covered only if they are: (1) Stolen; or (2) Their destruction is made necessary by or are killed by a "specified cause of loss". c. For direct physical loss or direct physical damage by theft, the following types of property are covered only up to the limits shown: (1) $2,500 for furs, fur garments and garments trimmed with fur; (2) $5,000 for jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones, bullion, gold, silver, platinum and other precious alloys or metals. This limit does not apply to jewelry and watches worth $500 or less per item; (3) $2,500 for patterns, dies, molds and forms; and (4) $500 for stamps, lottery tickets held for sale and letters of credit. d. We will not pay for loss or damage to lawns, trees, shrubs or plants which are part of a vegetated roof, caused by or resulting from: (1) Dampness or dryness of atmosphere or of soil supporting the vegetation; (2) Changes in or extremes of temperature; (3) Frost or hail; or (4) Rain, snow, ice or sleet. e. The most we will pay for direct physical loss or direct physical damage to outdoor signs attached to buildings is $5,000 per sign in any one occurrence. 5. Additional Coverages Additional Coverages may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Additional Coverages are subject to and not in addition to the Limits of Insurance in this Coverage Form. 6. Coverage Extensions Coverage Extensions may be attached to this Coverage Part by endorsement and would be shown in the Declarations. Unless otherwise stated, the Limits of Insurance available under these Coverage Extensions are in addition to the Limits of Insurance in this Coverage Form. B. EXCLUSIONS 1. We will not pay for loss or damage caused directly or indirectly by any of the following. Such loss or damage is excluded regardless of any other cause or event that contributes concurrently or in any sequence to the loss. These exclusions apply whether or not the loss event results in widespread damage or affects a substantial area. a. Earth Movement (1) Earthquake, meaning a shaking or trembling of the earth's crust, including tremors and aftershocks, resulting in breaking, shifting, rising, settling, sinking or lateral movement; (2) Landslide, including any earth sinking, rising or shifting related to such event; (3) Mine subsidence, meaning subsidence of a man-made mine, whether or not mining activity has ceased; (4) Earth sinking (other than sinkhole collapse), rising or shifting including soil conditions which cause settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil, and the action of water under the ground surface; Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THE -A HARTFORD But if Earth Movement, as described in Paragraphs (1) through (4) above, results in fire or explosion damage to Covered Property, we will pay for the physical loss or physical damage to Covered Property caused by that fire or explosion. (5) Volcanic eruption, explosion or effusion. But if volcanic eruption, explosion or effusion results in fire or volcanic action damage to Covered Property, we will pay for the physical loss or physical damage caused by that fire or volcanic action. Volcanic action means direct physical loss or direct physical damage resulting from the eruption of a volcano when the direct physical loss or direct physical damage is caused by: (a) Airborne volcanic blast or airborne shock waves; (b) Ash, dust, or particulate matter; or (c) Lava flow. With respect to coverage for volcanic action as set forth in 5(a) through 5(c) above, all volcanic eruptions that occur within any 168-hour period will constitute a single occurrence. Volcanic action does not include the cost to remove ash, dust, or particulate matter that does not cause direct physical loss or direct physical damage to Covered Property. This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (5), is caused by weather, an act of nature or by an artificial, man-made or other cause. b. Governmental Action Seizure or destruction of property by order of governmental authority. But we will pay for direct physical loss or direct physical damage to Covered Property caused by or resulting from acts of destruction ordered by governmental authority and taken at the time of a fire to prevent its spread, if the fire would be covered under this Coverage Part. c. Nuclear Hazard (1) Nuclear reaction, nuclear radiation or radioactive contamination, however caused, whether intentional or unintentional. This includes, but is not limited to, the release, dispersal or application of radioactive material, or the use of a nuclear weapon or device that involves or produces a nuclear reaction, nuclear radiation or radioactive contamination or radioactive force. (2) When state standard fire policy law requires that we cover any resulting fire damage, we will pay only for the resulting damage to Covered Property caused by that resulting fire, if the fire would be covered under this Coverage Part. We will pay only the actual cash value for the damaged property. Therefore, we will not pay for any indirect or related loss(es), such as Business Income, Extra Expense, legal liability, or leasehold interest loss(es). d. Utility Services The failure of "communication supply services", "power supply services", "wastewater removal services", "water supply services" or other utility service supplied to the "scheduled premises", however caused, if the failure: (1) Originates away from the "scheduled premises"; or (2) Originates at the "scheduled premises" but only if such failure involves equipment used to supply the utility service to the "scheduled premises" from a source away from the "scheduled premises". Failure of any utility service includes lack of sufficient capacity and reduction in supply necessary to maintain normal "operations". But if physical loss or physical damage to Covered Property by a Covered Cause of Loss results, we will pay for that resulting physical loss or physical damage. e. War and Military Action (1) War, including undeclared or civil war; (2) Hostile or warlike action, in time of peace or war, including action in hindering, combating or defending against an actual or expected attack, by any of the following: Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE HARTFORD (a) Government or sovereign power (including quasi and de facto forms), or by any authority maintaining or using military, naval or air forces; (b) Military, naval or air forces; or (c) An agent of such government, power, authority or forces. (3) Invasion, insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering, combating or defending against such actual or expected event by any government, power, authority, forces or agents described in Paragraphs (2)(a) through (2)(c) above. f. Water (1) Flood, surface water, waves (including tidal waves and tsunami), tides, tidal water, overflow of streams or any other natural or man-made bodies of water, or spray from any of these, all whether or not driven by wind (including storm surge); (2) Mudslide or mudflow; (3) Water or sewage that backs up or overflows or is otherwise discharged from a sewer, drain, sump, sump pump or related equipment; (4) Water under the ground surface pressing on, or flowing or seeping through: (a) Foundations, walls, floors or paved surfaces; (b) Basements, whether paved or not; or (c) Doors, windows or other openings; (5) Waterborne material carried or otherwise moved by any of the water referred to in Paragraphs (1), (3) or (4), or material carried or otherwise moved by mudslide or mudflow. But if any of the above in Paragraphs (1) through (5), results in fire, explosion or sprinkler leakage damage to Covered Property, we will pay for the direct physical loss or direct physical damage caused by that fire, explosion or sprinkler leakage. (6) Water damage caused by or resulting from earthquake or volcanic eruption as described in Exclusion 1.a., Earth Movement. This Exclusion applies regardless of whether any of the above, in Paragraphs (1) through (6), is caused by an act of nature or by an artificial, man-made or other cause. g. "Fungi", Wet Rot or Dry Rot Presence, growth, proliferation, spread or any activity of "fungi", wet rot or dry rot. But if "fungi", wet rot or dry rot results in a "specified cause of loss" to Covered Property, we will pay for the loss or damage caused by the "specified cause of loss". This exclusion does not apply when "fungi", wet rot or dry rot results from fire or lightning. h. Virus or Bacteria (1) Any virus, bacterium or other microorganism that induces or is capable of inducing physical distress, illness or disease. (2) With respect to any loss or damage subject to the exclusion in Paragraph (1) above, such exclusion supersedes any exclusion relating to "pollutants and contaminants". Ordinance Or Law (1) The enforcement of or compliance with any ordinance or law: (2) Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I (a) Regulating the construction, use or repair of any property; or (b) Requiring the tearing down of any property, including the cost of removing its debris. This exclusion applies whether the loss results from: (a) An ordinance or law that is enforced even if the property has not been damaged; or (b) The increased costs incurred to comply with an ordinance or law in the course of construction, repair, renovation, remodeling or demolition of property or removal of its debris, following a physical loss to that property. a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst Form SP 00 00 10 18 THE HARTFORD Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)" (1) Destruction or corruption of "electronic data" caused by virus, malicious code or similar instruction introduced into or enacted on a "computer" system (including "electronic data") or a network to which it is connected, designed to destroy or corrupt "electronic data"; (2) Unauthorized viewing, copying or use of "electronic data" (or any proprietary or confidential information or intellectual property in any form) by any person, even if such activity is characterized as theft; (3) Manipulation of your "computer" system including "electronic data" by any person(s), for the purpose of diverting or destroying "electronic data" or causing fraudulent or illegal transfer of any property; (4) Interruption in normal "computer" function on network service or function due to insufficient capacity to process transactions or to an overload of activity on the system or network; (5) Unexplained or indeterminable failure, malfunction or slowdown of a "computer" system, including "electronic data" or the inability to access or properly manipulate the "electronic data"; (6) Complete or substantial failure, disablement or shutdown of the internet, regardless of cause; (7) The inability of a "computer" system to correctly recognize, process, distinguish, interpret or accept one or more dates or times. But if direct physical loss or direct physical damage occurs to Covered Property from a resulting Covered Cause of Loss, we will pay for that resulting direct physical loss or direct physical damage. Mere loss of use or loss of functionality of any property is not considered physical loss or physical damage 2. We will not pay for loss or damage caused by or resulting from: a. Electrical Apparatus (1) Artificially generated electrical, magnetic or electromagnetic energy that damages, disturbs, disrupts or otherwise interferes with any: (a) Electrical or electronic wire, device, appliance, system or network; or (b) Device, appliance, system or network utilizing cellular or satellite technology. (2) For the purpose of this exclusion, electrical, magnetic or electromagnetic energy includes but is not limited to: (a) Electrical current, including arcing; (b) Electrical charge produced or conducted by a magnetic or electromagnetic field; (c) Pulse of electromagnetic energy; or (d) Electromagnetic waves or microwaves. But if fire damage to Covered Property results, we will pay for the direct physical loss or direct physical damage caused by fire. (3) We will pay for loss or damage to "computer(s)" due to artificially generated electrical, magnetic or electromagnetic energy if such loss or damage is caused by or results from: (a) An occurrence that took place within 1,000 feet of the "scheduled premises"; or (b) Interruption of electric power supply, power surge, blackout or brownout if the cause of such occurrence took place within 1,000 feet of the "scheduled premises". b. Consequential Losses Delay, loss of use or loss of market. c. Smoke, Vapor, Gas Smoke, vapor or gas from agricultural smudging or industrial operations. d. Steam Apparatus Explosion of steam boilers, steam pipes, steam engines or steam turbines owned or leased by you, or operated under your control. But if explosion of steam boilers, steam pipes, steam engines or steam turbines results in fire or combustion explosion damage to Covered Property, we will pay for the direct physical loss or direct physical damage caused by that fire or combustion explosion. We will also pay for direct physical loss or direct physical damage to Covered Property caused by or resulting from the exiDlosion of gases or fuel a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THE HARTFORD within the furnace of any fired vessel or within the flues or passages through which the gases of combustion pass. e. Other Types of Loss (1) Wear and tear; (2) Rust, corrosion, decay, deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; (3) Smog; (4) Settling, cracking, shrinking or expansion; (5) Nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents, mold, spore or other animals; (6) Mechanical breakdown, including rupture or bursting caused by centrifugal force. This exclusion does not apply with respect to the breakdown of "computer(s)"; (7) The following causes of loss to personal property: (a) Dampness or dryness of atmosphere; (b) Changes in or extremes of temperature; or (c) Marring or scratching. But if direct physical loss or direct physical damage to Covered Property by a "specified cause of loss" or building glass breakage results, we will pay for that resulting direct physical loss or direct physical damage. f. Frozen Plumbing Water, other liquids, powder or molten material that leaks or flows from plumbing, heating, air conditioning or other equipment (except fire protective systems) caused by or resulting from freezing, unless: (1) You use all reasonable means to maintain heat in the building or structure; or (2) You drain the equipment and shut off the supply if the heat is not maintained. g. Dishonesty Dishonest or criminal act (including theft) by you, anyone else with an interest in the property, any of your or their partners, "members", officers, "managers", "employees", directors, trustees, authorized representatives or anyone to whom you entrust the property for any purpose whether acting alone or in collusion with any other party. This exclusion: (1) Applies whether or not an act occurs during your normal hours of "operation"; (2) Does not apply to acts of destruction by your "employees" or authorized representatives; but theft by your "employees" or authorized representatives is not covered. With respect to accounts receivable and "valuable papers and records", this exclusion does not apply to carriers for hire. h. False Pretense Voluntary parting with any property by you or anyone else to whom you have entrusted the property if induced to do so by any fraudulent scheme, trick, device or false pretense. i. Exposed Property Rain, snow, ice or sleet to personal property in the open. j. Collapse (1) Collapse, including any of the following conditions of property or any part of the property: (a) An abrupt falling down or caving in; (b) Loss of structural integrity, including separation of parts of the property or property in danger of falling down or caving in; or (c) Any cracking, bulging, sagging, bending, leaning, settling, shrinkage or relates to Paragraph (1)(a) or (1)(b) above. �oRa Risk n�t, tDMs;at % z REVIEWED & APPROVED BY. - Form SP 00 00 10 18 of © 2018, The Hartford < F R. MmAd (May include copyrighted material of Insurance Services Office, Inc., with its r Risk Management Analyst THE HARTFORD But if collapse results in direct physical loss or direct physical damage to Covered Property caused by a Covered Cause of Loss at the "scheduled premises", we will pay for the direct physical loss or direct physical damage caused by that Covered Cause of Loss. (2) This exclusion does not apply to collapse caused by one or more of the following: (a) A "specified cause of loss"; (b) Breakage of building glass; (c) Weight of rain that collects on a roof; or (d) Weight of people or personal property. k. Pathogenic or Poisonous Biological or Chemical Materials The deliberate or intentional dispersal or application of any pathogenic or poisonous biological or chemical materials. But if direct physical loss or direct physical damage to Covered Property by fire results, we will pay for the resulting direct physical loss or direct physical damage caused by that fire. I. Pollution We will not pay for loss or damage caused by or resulting from the discharge, dispersal, seepage, migration, release or escape of "pollutants and contaminants" unless the discharge, dispersal, seepage, migration, release or escape is itself caused by any "specified cause of loss." But if the discharge, dispersal, seepage, migration, release or escape of "pollutants and contaminants" results in damage to Covered Property caused by a "specified cause of loss", we will pay for the physical loss or physical damage caused by that "specified cause of loss." m. Neglect Neglect of an insured to use all reasonable means to save and preserve property from further damage at and after the time of loss. n. Errors, Omissions, or Deficiency in Design Errors, omissions, or deficiency in design in: (1) Programming, processing or storing data, as described under "electronic data" or in any "computer" operations; or (2) Processing or copying "valuable papers and records". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by resulting fire, explosion or sprinkler leakage. o. Electrical Disturbance Electrical or magnetic injury, disturbance or erasure of "electronic data". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by lightning. p. Installation, Testing, Repair Errors, omissions, or deficiency in design, installation, testing, maintenance, modification or repair of your "computer" system including "electronic data". However, we will pay for direct physical loss or direct physical damage to Covered Property caused by resulting fire, explosion, or sprinkler leakage. q. Continuous Or Repeated Seepage Or Leakage Of Water Continuous or repeated seepage or leakage of water, or the presence or condensation of humidity, moisture or vapor, that occurs over a period of 14 days or more. 3. We will not pay for loss or damage caused by or resulting from any of the following. But if direct physical loss or direct physical damage to Covered Property by a Covered Cause of Loss results, we will pay for that resulting direct physical loss or direct physical damage. Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE HARTFORD a. Weather Conditions Weather conditions. This exclusion only applies if weather conditions contribute in any way with a cause or event excluded in Paragraph 13.1. above to produce the physical loss or physical damage. b. Acts or Decisions Acts or decisions, including the failure to act or decide, of any person, group, organization or governmental body. c. Negligent Work Faulty, inadequate or defective: (1) Planning, zoning, development, surveying, siting; (2) Design, specifications, workmanship, repair, construction, renovation, remodeling, grading, compaction; (3) Materials used in repair, construction, renovation or remodeling; or (4) Maintenance of part or all of any property on or off the "scheduled premises". 4. Loss Or Damage To Products We will not pay for loss or damage to any merchandise, goods or other product caused by or resulting from error or omission by any person or entity (including those having possession under an arrangement where work or a portion of the work is outsourced) in any stage of the development, production or use of the product, including planning, testing, processing, packaging, installation, maintenance or repair. This exclusion applies to any effect that compromises the form, substance or quality of the product. But if such error or omission results in direct physical loss or direct physical damage to Covered Property by a Covered Cause of Loss, we will pay for the direct physical loss or direct physical damage caused by that Covered Cause of Loss. 5. Testing of Certain Types of Property We will not pay for loss or damage caused by or resulting from any of the following tests: (a) A hydrostatic, pneumatic or gas pressure test of any boiler or pressure vessel; or (b) An insulation breakdown test of any type of electrical equipment. But if direct physical loss or direct physical damage to Covered Property by a "specified cause of loss" results, we will pay for the resulting direct physical loss or direct physical damage caused by that "specified cause of loss." C. LIMITS OF INSURANCE 1. The most we will pay for loss or damage in any one occurrence is the applicable Limit of Insurance shown in the Declarations. 2. Building Limit - Automatic Increase a. If covered loss or damage to Building property at a "scheduled premises" exceeds the Limit of Insurance stated in the Declarations, the Limit of Insurance available for the covered loss or damage to Building property in that occurrence will automatically increase by up to 8%. b. The amount of increase will be: (1) The Limit of Insurance for Buildings that applied on the most recent of the: (a) Coverage Part inception date (b) Coverage Part anniversary date; or (c) The date of any other Coverage Part change amending the Building Limit, multiplied by (2) The 8% annualized percentage of Automatic Increase, expressed as a decimal (.08), multiplied by (3) The number of days since the beginning of the current policy period or the effective date of the most recent Coverage Part change amending the Limit of Insurance for Buildings, divided by 365. Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE -A HARTFORD Example: The applicable Limit of Insurance for Buildings is $100,000. The Automatic Increase percentage is 8%. The number of days since the beginning of the policy period (or last Coverage Part change) is 146. The amount of the increase is: ($100,000 x .08 x 146) divided by 365 = $3,200 3. Business Personal Property Limit - Seasonal Increase a. If covered loss or damage to Business Personal Property exceeds the Limit of Insurance stated in the Declarations, the Limit of Insurance for Business Personal Property will automatically increase by the percentage shown in the Declarations to provide for seasonal variations. b. This increase will apply only if all Limits of Insurance shown in the Declarations for Business Personal Property at the "scheduled premises" is at least 100% of your average monthly values during the lesser of: (1) The 12 months immediately preceding the date the physical loss or physical damage occurs; or (2) The period of time you have been in business as of the date the physical loss or physical damage occurs. D. DEDUCTIBLES 1. We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the Coverage Part Deductible shown in the Declarations. We will then pay the amount of loss or damage in excess of the Coverage Part Deductible up to the applicable Limit of Insurance. 2. Unless a separate Deductible is indicated, the Deductible applicable to the Additional Coverages and Coverage Extensions is the Coverage Part Deductible. 3. Each Deductible applicable to this Coverage Part shall be applied separately but only to the coverage specified, and the total Deductible for all losses in any one occurrence shall be the highest Deductible amount that applies to the occurrence. E. PROPERTY LOSS CONDITIONS 1. Abandonment There can be no abandonment of any property to us. 2. Appraisal If we and you disagree on the amount of loss, either may make written demand for an appraisal of the loss. In that event, each party will select a competent and impartial appraiser. The two appraisers will select an umpire. If the appraisers cannot agree on an umpire, we or you, after providing notice to the other party, may request that selection be made by a judge of a court having jurisdiction. The appraisers will state separately the amount of loss. If they fail to agree, they will submit their differences to the umpire. A decision agreed to by any two will be binding. Each party will: a. Pay its chosen appraiser; and b. Bear the other expenses of the appraisal and umpire equally. If there is an appraisal, we will still retain our right to deny the claim. 3. Duties In The Event Of Loss Or Damage a. You must see that the following are done in the event of loss of or damage to Covered Property: (1) Notify the police if a law may have been broken. (2) Give us prompt notice of the loss or damage. Include a description of the property involved. (3) As soon as possible, give us description of how, when and where the loss or damage occurred. (4) Take all reasonable steps to protect the Covered Property from further damage. If feasible, set the damaged property aside in the best possible order for examination. Also, keep a record of your expenses for emergency and temporary repairs, for consideration in the settlement of the claim. This will not increase the Limits of Insurance. Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst THE -A HARTFORD However, we will not pay for any subsequent loss or damage resulting from a cause of loss that is not a Covered Cause of Loss. (5) At our request, give us complete inventories of the damaged and undamaged property. Include quantities, costs, values and amount of loss claimed. (6) As often as may be reasonably required, permit us to inspect the property proving the loss or damage and examine your books and records. Also permit us to take samples of damaged and undamaged property for inspection, testing and analysis, and permit us to make copies from your books and records. (7) Send us a signed, sworn statement of loss containing the information we request to investigate the claim. You must do this within 60 days after our request. We will supply you with the necessary forms. (8) Cooperate with us in the investigation or settlement of the claim. (9) Resume part or all of your "operations" as quickly as possible. b. We may examine any insured under oath, while not in the presence of any other insured or "employee", at such times as may be reasonably required about any matter relating to this insurance or your claim, including an insured's books and records. At our option and expense, any examination under oath may be video or audio taped as well as being recorded by stenographic record. If a written transcript is prepared of the testimony, then at our request, your answers under oath must be signed under penalty of perjury. 4. Legal Action Against Us No one may bring a legal action against us under this insurance unless: a. There has been full compliance with all of the terms of this insurance; and b. The action is brought within 2 years after the date on which the direct physical loss or direct physical damage occurred. 5. Loss Payment In the event of loss or damage covered by this Coverage Part: a. At our option we will either: (1) Pay the value of lost or damaged property; (2) Pay the cost of repairing or replacing the lost or damaged property; (3) Take all or any part of the property at an agreed or appraised value; or (4) Repair, rebuild or replace the property with other property of like kind and quality. b. We will give notice of our intentions within 30 days after we receive the sworn statement of loss. c. We will not pay you more than your financial interest in the Covered Property. d. We will determine the value of Covered Property as follows: (1) At replacement cost (without deduction for depreciation), except as provided in (2) through (10) below. (a) You may make a claim for loss or damage covered by this insurance on an actual cash value basis instead of on a replacement cost basis. In the event you elect to have loss or damage settled on an actual cash value basis, you may still make a claim on a replacement cost basis if you notify us of your intent to do so within 180 days after the physical loss or physical damage. (b) We will not pay on a replacement cost basis for any loss or damage: (i) Until the lost or damaged property is actually repaired or replaced; and (ii) Unless the repairs or replacement are made as soon as reasonably possible after the loss or physical damage. However, if the cost to repair or replace the damaged property is $2,500 or less, we will settle the loss according to the provisions of Paragraph d.(1)(a) above whether or not the actual repair or replacement is complete. (c) We will not pay more for loss or damage on a replacement cost basis than the least of: Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THE -A HARTFORD (i) The cost to replace, on the same premises, the lost or damaged property with other property of comparable material and quality and which is used for the same purpose; or (ii) The amount you actually spend that is necessary to repair or replace the lost or damaged property. (2) If the Actual Cash Value - Buildings option applies, as shown in the Declarations, Paragraph (1) above does not apply to Buildings. Instead, we will determine the value of Buildings at actual cash value. (3) The following property at actual cash value: (a) Manuscripts; (b) Works of art, antiques or rare articles, including etchings, pictures, statuary, objects of marble, bronzes, porcelains and bric-a-brac; (c) Household contents, except personal property in apartments or rooms furnished by you as landlord; (d) Used or secondhand merchandise held in storage or for sale; and (e) Property of others. However, if an item(s) of personal property of others is subject to a written contract which governs your liability for loss or damage to that item(s), then valuation of that item(s) will be based on the amount for which you are liable under such contract, but not to exceed the lesser of the replacement cost of the property or the applicable Limit of Insurance. (4) Glass at the cost of replacement with safety glazing material if required by law. (5) "Tenant improvements and betterments" at: (a) Replacement cost if you make repairs promptly. (b) A proportion of your original cost if you do not make repairs promptly. We will determine the proportionate value as follows: (i) Multiply the original cost by the number of days from the loss or damage to the expiration of the lease; and (ii) Divide the amount determined in (i) above by the number of days from the installation of improvements to the expiration of the lease. Example: The original cost of the "tenant improvements and betterments" was $100,000. The number of days between the date the damage occurred and the expiration of the lease is 200. The number of days between the installation of the "tenant improvements and betterments" and the expiration of the lease is 500. The proportionate value is: ($100,000 x 200) divided by 500 = $40,000 If your lease contains a renewal option, the expiration of the renewal option period will replace the expiration of the lease in this procedure. (c) Nothing, if others pay for repairs or replacement. (6) "Valuable papers and records", at your incurred cost of: (a) Blank materials for reproducing the records (including blank prepackaged programs when replaced); and (b) Labor to transcribe or copy the records and to research, replace or restore the lost information, including research and development documentation. To the extent "valuable papers and records" are not replaced or restored, the loss will be valued at the cost of replacement of the media on which the "valuable papers and records" were stored, with blank media of substantially identical type. (7) "Money" and "securities": (a) "Money" at its face value; and (b) "Securities" at their value at the close of business on the day the loss is di o„A Ii:AMwaganadDivision Form SP 00 00 10 18 ra��o & APPROVED BY.- © 2018, The Hartford o pu-c- .e R. MmAd (May include copyrighted material of Insurance Services Office, Inc., with its r Risk Management Analyst Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THE -A HARTFORD (8) The value of United States Government Internal Revenue taxes and custom duties and refundable state and local taxes paid or fully determined on the following property held for sale will not be considered in determining the value of Covered Property: (a) Distilled spirits; (b) Wines; (c) Rectified products; or (d) Beer. (9) "Stock" you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had. (10)Applicable to accounts receivable: (a) If you cannot accurately establish the amount of the accounts receivable outstanding as of the time of physical loss or physical damage the following method will be used: (i) Determine the total of the average monthly value of accounts receivable for 12 months immediately preceding the month in which the direct physical loss or physical damage occurred; and (ii) Adjust the total determined in paragraph (i) above for any normal fluctuations in the value of accounts receivable for the month in which the direct physical loss or physical damage occurred for any demonstrated variance from the average of that month. (b) The following will be deducted from the total value of accounts receivable, however that value is established: (i) The value of the accounts for which there is no physical loss or physical damage; (ii) The value of the accounts that you are able to re-establish or collect; (iii) A value to allow for probable bad debts that you are normally unable to collect; and (iv) All unearned interest and services charged. e. Our payment for physical loss of or physical damage to personal property of others will only be for the account of the owners of the property. We may adjust losses with the owners of lost or damaged property if other than you. If we pay the owners, such payment will satisfy your claims against us for the owners' property. We will not pay the owners more than their financial interest in the Covered Property. f. We may elect to defend you against "suits" arising from claims of owners of property. We will do this at our expense. g. We will pay for covered loss or damage within 30 days after we receive the sworn statement of loss, if you have complied with all the terms of this Policy, and: (1) We have reached agreement with you on the amount of loss, or (2) An appraisal award has been made. h. A party wall is a wall that separates and is common to adjoining buildings that are owned by different parties. In settling covered losses involving a party wall, we will pay a proportion of the loss to the party wall based on your interest in the wall in proportion to the interest of the owner of the adjoining building. However, if you elect to repair or replace your building and the owner of the adjoining building elects not to repair or replace that building, we will pay you the full value of the loss to the party wall, subject to all applicable Policy provisions including Limits of Insurance and all other provisions of this Loss Payment Condition. Our payment under the provisions of this paragraph does not alter any right of subrogation we may have against any entity, including the owner or insurer of the adjoining building, and does not alter the terms of Paragraph F.6., Transfer Of Rights of Recovery Against Others To Us. 6. Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the iproiperty. a F Risk Management DMsLan REVIEWED & APPROVED BY. - Risk Management Analyst THE HARTFORD We will pay recovery expenses and the expenses to repair the recovered property, subject to the Limits of Insurance. 7. Salvage In the event we pay to replace Covered Property or any component thereof, we retain our right to salvage such property. 8. Vacancy a. Description of Terms (1) As used in this Vacancy Condition, the term building and the term vacant have the meanings set forth in Paragraphs (a) and (b) below: (a) When this Coverage Part is issued to a tenant, and with respect to that tenant's interest in Covered Property, building means the unit or suite rented or leased to the tenant. Such building is vacant when it does not contain enough Business Personal Property to conduct customary operations. (b) When this Coverage Part is issued to the owner or general lessee of a building, building means the entire building. Such building is vacant unless at least 31 % of its total square footage is: (i) Rented to a lessee or sub -lessee and used by the lessee or sub -lessee to conduct its customary operations; and/or (ii) Used by the building owner to conduct customary operations. (2) Buildings under construction or renovation are not considered vacant. b. Vacancy Provisions If the building where loss or damage occurs has been vacant for more than 60 consecutive days before that loss or damage occurs: (1) We will not pay for any loss or damage caused by any of the following even if they are Covered Causes of Loss: (a) Vandalism; (b) Sprinkler leakage, unless you had protected the system against freezing; (c) Building glass breakage; (d) Water; (e) Theft; or (f) Attempted theft. (2) With respect to Covered Causes of Loss other than those listed in b.(1)(a) through b.(1)(f) above, we will reduce the amount we would otherwise pay for the physical loss or physical damage by 15%. F. PROPERTY GENERAL CONDITIONS 1. Control of Property Any act or neglect of any person other than you beyond your direction or control will not affect this insurance. The breach of any condition of this Coverage Form at one or more locations will not affect coverage at any location where, at the time of loss or damage, the breach of condition does not exist. 2. Mortgageholders a. The term mortgageholder includes trustee. b. We will pay for covered loss of or damage to buildings or structures to each mortgageholder shown in the Declarations in their order of precedence, as interests may appear. c. The mortgageholder has the right to receive loss payment even if the mortgageholder has started foreclosure or similar action on the building or structure. d. If we deny your claim because of your acts or because you have failed to comply with the terms of this Policy, the mortgageholder will still have the right to receive loss payment if the mortgageholder: (1) Pays any premium due under this Policy at our request if you have failed to d oRaN Ii:AMwaganadDMsian Form SP 00 00 10 18 % z REVIEWED & APPROVED BY.- © 2018, The Hartford p R. MmAd (May include copyrighted material of Insurance Services Office, Inc., with its r Risk Management Analyst THE HARTFORD (2) Submits a signed, sworn statement of loss within 60 days after receiving notice from us of your failure to do so; and (3) Has notified us of any change in ownership, occupancy or substantial change in risk known to the mortgageholder. All of the terms of this Policy will then apply directly to the mortgageholder. e. If we pay the mortgageholder for any loss or damage and deny payment to you because of your acts or because you have failed to comply with the terms of this Policy: (1) The mortgageholder's rights under the mortgage will be transferred to us to the extent of the amount we pay; and (2) The mortgageholder's rights to recover the full amount of the mortgageholder's claim will not be impaired. At our option, we may pay to the mortgageholder the whole principal on the mortgage plus any accrued interest. In this event, your mortgage and note will be transferred to us and you will pay your remaining mortgage debt to us. f. If we cancel this Policy, we will give written notice to the mortgageholder at least: (1) 10 days before the effective date of cancellation if we cancel for your nonpayment of premium; or (2) 30 days before the effective date of cancellation if we cancel for any other reason. g. If we elect not to renew this Policy, we will give written notice to the mortgageholder at least 10 days before the expiration date of this Policy. 3. No Benefit to Bailee No person or organization, other than you, having custody of Covered Property will benefit from this insurance. 4. Other Insurance If there is other insurance covering the same loss or damage, we will pay only for the amount of covered loss or damage in excess of the amount due from that other insurance, whether you can collect on it or not. But we will not pay more than the applicable Limit of Insurance. 5. Policy Period, Coverage Territory a. We cover loss or damage commencing: (1) During the policy period shown in the Declarations; and (2) Within the coverage territory or, with respect to property in transit, while it is between points in the coverage territory. b. The coverage territory is: (1) The United States of America (including its territories and possessions); (2) Puerto Rico; and (3) Canada. 6. Transfer Of Rights of Recovery Against Others To Us a. If any person or organization to or for whom we make payment under this Policy has rights to recover damages from another, those rights are transferred to us to the extent of our payment. That person or organization must do everything necessary to secure our rights and must do nothing after loss to impair them. But you may waive your rights against another party in writing: (1) Prior to a loss to your Covered Property; or (2) After a loss to your Covered Property only if, at time of loss, that party is one of the following: (a) Someone insured by this insurance; (b) A business firm: (i) Owned or controlled by you; or (ii) That owns or controls you; or (c) Your tenant. You may also accept the usual bills of lading or shipping receipts limiting the Iiabili Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r RisleManagementDMsiun REVIEWED &APPROVED BY.- f R. VSA44d Risk Management Analyst Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THE HARTFORD This will not restrict your insurance. b. Any recovery from subrogation proceedings, less costs incurred by us in such proceedings, will be payable to you in the proportion that the amount of: (1) Any applicable deductible; and/or (2) Any provable uninsured loss, bears to the entire provable loss amount. G. PROPERTY DEFINITIONS 1. "Communication supply services" means property, including overhead transmission lines, supplying communication services, including telephone, radio, microwave or television services, to the "scheduled premises", such as: a. Communication transmission lines, including optic fiber transmission lines; b. Coaxial cables; and c. Microwave radio relays except satellites. 2. "Computer" means: a. Programmable electronic equipment that is used to store, retrieve and process data; and b. Associated peripheral equipment that provides communication, including input and output functions such as printing and auxiliary functions such as data transmission. "Computer" includes those used to operate production -type machinery or equipment. 3. "Electronic data" means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of electronic data, means a set of related electronic instructions which direct the operations and functions of a "computer" or device connected to it, which enable the "computer" or device to receive, process, store, retrieve or send data. "Electronic data" it is not considered physical property under this Coverage Part and is covered only as expressly provided for in this Coverage Part. Any such coverage does not indicate that "electronic data" is considered to be tangible property subject to physical loss or physical damage for purposes of any business interruption coverage or other coverage that requires physical loss or physical damage. 4. "Employee" a. Means: (1) Any natural person: (a) While in your service (and for 60 days after termination of service); and (b) Whom you compensate directly by salary, wages or commissions; and (c) Whom you have the right to direct and control while performing services for you; (2) Any natural person employed by an employment contractor while that person is subject to your direction and control and performing services for you excluding, however, any such person while having care and custody of property outside the premises; (3) Any natural person who is your partner or member of a limited liability corporation; (4) Any natural person, whether or not compensated, while performing services for you as the chairman or a member of any committee; (5) Any natural person who is a non -compensated officer; (6) Any natural person who is a director or trustee while acting as a member of any of your elected or appointed committees or while acting within the scope of the usual duties of an "employee"; (7) Any natural person who is a non -compensated volunteer, while performing services for you that are usual to the duties of an "employee"; a F RAMwaganadDMsian REVIEWED & APPROVED BY. - Risk Management Analyst NJ THE -A HARTFORD (8) Any natural person who is a former employee, director, partner, member, representative or trustee retained as a consultant while performing services for you; (9) Any natural person who is a student intern who is pursuing studies or acting within the scope of the usual duties of an "employee"; (10)Any natural person, who is a student enrolled in your facility, while handling or has possession of property or funds in connection with sanctioned student activities; and (11)The spouses of and children over 18 years old who reside with any "employee" who is a building manager, superintendent or janitor. Each family is deemed to be, collectively, one "employee" for the purposes of this insurance, except that any Termination Condition applies individually to the spouse and children. b. "Employee" does not mean: (1) An agent, broker, factor, commission merchant, consignee, independent contractor or representative of the same general character; or (2) Any manager, director, partner, member or trustee, except while acting within the scope of the usual duties of an "employee". 5. "Fungi" means any type or form of fungus, including mold or mildew, and any mycotoxins, spores, scents or by- products produced or released by fungi. 6. "Manager" means a person serving in a directorial capacity for a limited liability company. 7. "Member" means an owner of a limited liability company represented by its membership interest, who also may serve as a "manager". 8. "Money" means: a. Currency, coins and bank notes in current use; and b. Travelers checks, registered checks and money orders held for sale to the public. 9. "Operations" means your business activities occurring at the "scheduled premises" and tenantability of the "scheduled premises". 10. "Period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from any Covered Cause of Loss at the "scheduled premises"; and (2) Ends on the earlier of: (a) The date when the property at the "scheduled premises" should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) The date when your business is resumed at a new, permanent location; or (c) Exhaustion of the number of consecutive months as shown on the Declarations. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "period of restoration". 11. "Pollutants and contaminants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapors, soot, fumes, acids, alkalis, chemicals and waste, or any other materi to cause physical loss, physical damage, impurity to property, unwholesomen ,a a RiskMmaganadDMsian % z REVIEWED & APPROVED BY. - Form SP 00 00 10 18 © 2018, The Hartford FU-6- .e R. MmAd (May include copyrighted material of Insurance Services Office, Inc., with its r Risk Management Analyst THE -A HARTFORD marketability, loss of use of property, or which threatens human health or welfare. Waste includes materials to be recycled, reconditioned or reclaimed. 12. "Power supply services" means the following types of property supplying electricity, steam or gas, including overhead transmission lines to the "scheduled premises": a. Utility generating plants; b. Switching stations; c. Substations; d. Transformers; and e. Transmission Lines. 13. "Scheduled premises" means any premises listed by location address in the Coverage Part Declarations. 14. "Securities" means negotiable and nonnegotiable instruments or contracts representing either "money" or other property and includes: a. Tokens, tickets, revenue and other stamps (whether represented by actual stamps or unused value in meter) in current use; and b. Evidences of debt issued in connection with credit or charge cards, which cards are not issued by you; but does not include "money." Lottery tickets held for sale and postage stamps in current use and having face value are not "securities". 15. "Specified cause of loss" means the following: Fire; lightning; explosion, windstorm or hail; smoke; aircraft or vehicles; riot or civil commotion; vandalism; leakage from fire extinguishing equipment; sinkhole collapse; volcanic action; falling objects; weight of snow, ice or sleet; water damage. a. Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite. This cause of loss does not include: (1) The cost of filling sinkholes; or (2) Sinking or collapse of land into man-made underground cavities. b. Falling objects does not include loss of or damage to: (1) Personal property in the open; or (2) The interior of a building or structure, or property inside a building or structure, unless the roof or an outside wall of the building or structure is first damaged by a falling object. c. Water damage means (1) Accidental discharge or leakage of water or steam as the direct result of the breaking apart or cracking of any part of a system or appliance (other than a sump system including its related equipment and parts) containing water or steam; and (2) Accidental discharge or leakage of water or waterborne material as the direct result of the breaking apart or cracking of a water or sewer pipe that is located off the "scheduled premises" and is part of a municipal potable water supply system or municipal sanitary sewer system, if the breakage or cracking is caused by wear and tear. But water damage does not include loss or damage otherwise excluded under Exclusion 113.11J., Water. Therefore, for example, there is no coverage in the situation in which discharge or leakage of water results from the breaking apart or cracking of a pipe which was caused by or related to weather -induced flooding, even if wear and tear contributed to the breakage or cracking. As another example, and also in accordance Exclusion 113.1J., Water, there is no coverage for loss or damage caused by or related to weather -induced flooding which follows or is exacerbated by pipe breakage or cracking attributable to wear and tear. However, Paragraph Form SP 00 00 10 18 s © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst THE HARTFORD 16. "Stock" means merchandise held in storage or for sale, raw materials and in -process or finished goods, including supplies used in their packing or shipping. 17. "Suit" means a civil proceeding and includes: a. An arbitration proceeding in which damages are claimed and to which you must submit or do submit with our consent; or b. Any other alternative dispute resolution proceeding in which damages are claimed and to which you submit with our consent. 18. "Tenant improvements and betterments" means fixtures, alterations, installations or additions: a. Made a part of the building or structure you occupy but do not own; and b. You acquired or made at your expense but cannot legally remove. 19. "Unmanned aircraft' means an aircraft that is not: a. Designed; b. Manufactured; or c. Modified after manufacture to be controlled directly by a person from within or on the aircraft and which is owned by you or owned by others but in your care, custody, or control. "Unmanned aircraft" includes equipment designed for and used exclusively with the "unmanned aircraft", provided such equipment is essential for operation of the "unmanned aircraft" or for executing "unmanned aircraft operations". 20. "Unmanned aircraft operations" means your business activities in support of the specific operations listed in the Description of Business section of the Declarations. 21. "Valuable papers and records" means inscribed, printed or written: a. Documents; b. Manuscripts; or c. Records including abstracts, books, deeds, drawings, films, maps or mortgages. But "valuable papers and records" does not mean "money", "securities" or "electronic data" or the materials on which the "electronic data" is recorded. 22. "Wastewater removal services" means a utility system for removing wastewater and sewage from the "scheduled premises", other than a system designed primarily for draining storm water. The utility property includes sewer mains, pumping stations and similar equipment for moving the effluent to a holding, treatment or disposal facility, and includes such facilities. 23. "Water supply services" means the following types of property supplying water to the "scheduled premises": a. Pumping stations; and b. Water mains. Form SP 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SOUTH CAROLINA CHANGES - SPECIAL PROPERTY COVERAGE FORM This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section E. PROPERTY LOSS CONDITIONS: 1. Paragraph 4.b. is deleted and replaced by the following: b. The action is brought within 3 years after the date on which the direct physical loss or direct physical damage occurred. 2. The following provision is added to Paragraph 5., Loss Payment and supersedes any provisions to the contrary: Provision Applicable to South Carolina Policies For loss or damage to Buildings caused by or resulting from fire or lightning, you and we agree that: (1) The value of Buildings described in this Policy; and (2) The total amount of insurance to be carried on the Buildings, including this Coverage Part; are the amounts shown in the Declarations. Form SP 01 39 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD WINDSTORM OR HAIL PERCENTAGE DEDUCTIBLE - SOUTH CAROLINA This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM THIS POLICY CONTAINS A SEPARATE DEDUCTIBLE FOR NAMED STORM OR WIND/HAIL LOSSES, WHICH MAY RESULT IN HIGH OUT-OF-POCKET EXPENSES TO YOU. THE ENCLOSED EXAMPLE ILLUSTRATES HOW THE DEDUCTIBLE MIGHT AFFECT YOU. Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. If loss or damage to Covered Property is caused by or results from windstorm, the following exclusion is added to Section B., EXCLUSIONS, but only with respect to the "scheduled premises" where Windstorm or Hail Percentage Deductible — South Carolina is shown in the Declarations: Windstorm Exterior Paint and Waterproofing Exclusion a. We will not pay for loss or damage to: (1) Paint; or (2) Waterproofing material; applied to the exterior of Buildings. b. We will not include the value of paint or waterproofing material to determine: (1) The amount of the Deductible; or (2) The value of Covered Property. B. The following is added to Section D., DEDUCTIBLES, but only with respect to the "scheduled premises" where Windstorm or Hail Percentage Deductible — South Carolina is shown in the Declarations: Windstorm or Hail Percentage Deductible — South Carolina a. If loss or damage is caused directly or indirectly by a windstorm or hail event, the Windstorm or Hail Percentage Deductible replaces and supersedes any and all deductibles provided in Paragraph 1. of Section D., DEDUCTIBLES but only with respect to Covered Property located at the "scheduled premises". The Windstorm or Hail Percentage Deductible does not apply to any Additional Coverage or Coverage Extension other than the Newly Acquired or Constructed Property Coverage Extension. Except as set forth in Paragraph d. below, if more than one Deductible applies to a single occurrence of windstorm or hail, the total Deductible for all losses in any one occurrence shall be the highest Deductible amount that applies to the occurrence. b. We will not pay for loss or damage in any one occurrence until the amount of loss or damage exceeds the Windstorm or Hail Percentage Deductible as shown in the Declarations. We will then pay the amount of loss or damage in excess of the Windstorm or Hail Percentage Deductible up to the applicable Limit of Insurance shown in the Declarations. c. In determining the amount, if any, that we will pay for loss or damage, we will deduct an amount equal to the Windstorm or Hail Percentage Deductible as shown in the Declarations multiplied by the Limit(s) of Insurance applicable to the property that has sustained loss or damage. However, in any one occurrence of windstorm or hail, the total deductible for all covered windstorm or hail losses shall not be less than $500. With respect to Covered Property at the "scheduled premises" identified in the Declarations, no other deductible applies to Windstorm or Hail. d. The Windstorm or Hail Deductible applies separately to: (1) Each Building, if two or more Buildings are covered; Form SP 10 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) The Building and Business Personal Property, if the Building and its Business Personal Property are both covered; (3) Business Personal Property at each building, if Business Personal Property of two or more Buildings is covered; (4) Business Personal Property in the open. e. Specific Insurance and Blanket Insurance As used in this Windstorm or Hail Percentage Deductible clause, Specific Insurance and Blanket Insurance have the following meaning: (1) Specific Insurance covers each item of insurance (for example, each Building or Business Personal Property in a building) under a separate Limit of Insurance (2) Blanket Insurance covers two or more items of insurance (for example, a Building and Business Personal Property in that building, or two Buildings) under a single Limit of Insurance. Items of insurance and corresponding Limit(s) of Insurance are shown in the Declarations. f. Nothing in this Windstorm or Hail Percentage Deductible clause implies or affords coverage for any loss or damage that is excluded under the terms of Exclusion B.1.f, Water, or any other exclusion in this Coverage Part. g. Specified Insurance and Blanket Insurance As used in this Windstorm or Hail Percentage Deductible clause, Specific Insurance and Blanket Insurance have the following meaning: (1) Specific Insurance, covers: (a) Each individual Building; or (b) Business Personal Property contained in or on each individual Building or in the open (or within a vehicle) within 1000 feet of each individual Building; at the "scheduled premises" and for which a separate Limit of Insurance is shown in the Declarations. (2) Blanket Insurance, covers: (a) Two or more Buildings; or (b) Business Personal Property contained in or on those Buildings or in the open (or within a vehicle) within 1,000 feet of those Buildings at the "scheduled premises" and for which a single Limit of Insurance is shown in the Declarations. h. Calculation of Deductible (1) Specific Insurance In determining the amount, if any, that we will pay for loss or damage to Covered Property that is subject to Specific Insurance, we will deduct an amount equal to the Windstorm or Hail Percentage Deductible as shown in the Declarations, multiplied by the Limit(s) of Insurance applicable to the property that has sustained loss or damage. (2) Blanket Insurance In determining the amount, if any, that we will pay for loss or damage to Covered Property that is subject to Blanket Insurance, we will deduct an amount equal to the Windstorm or Hail Percentage Deductible as shown in the Declarations, multiplied by the value of the property that has sustained loss or damage up to the Blanket Limit of Insurance as shown in the Declarations. The value of the Covered Property will be determined at the time of the loss. (3) Newly Acquired or Constructed Property In determining the amount, if any, that we will pay for loss or damage to Covered Property under the Newly Acquired or Constructed Property Coverage Extension (if such Coverage Extension is attached to this Coverage Part), we will deduct an amount equal to the highest Windstorm or Hail Deductible shown in the Declarations for any "scheduled premises" multiplied by the value of the newly acquired property up to the applicable limit(s) for Newly Acquired or Constructed Property. The ve will be determined at the time of the loss. Form SP 10 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its a F Risk Manage meet Division REVIEWED & APPROVED BY.- - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD i. Application of Deductible (1) Example #1 - Specific Insurance The amount of loss to the damaged Building is $60,000. The actual Limit of Insurance on the damaged Building is $100,000. The Windstorm or Hail Percentage Deductible is 1 %. Step (1): $100,000 X 1 % = $1,000 Step (2): $60,000 - $1,000 = $59,000 The most we will pay is $59,000. That portion of the total loss not covered due to application of the Windstorm or Hail Percentage Deductible is $1,000. (2) Example #2 - Specific Insurance The amounts of loss to the damaged property are: $60,000 (Building), $40,000 (Business Personal Property in the open), and $20,000 (Business Personal Property in the Building). The actual Limits of Insurance on the damaged property are: $100,000 on the Building and $64,000 on the Business Personal Property. The Windstorm or Hail Percentage Deductible is 2%. (a) Building Step (1): $100,000 X 2% = $2,000 Step (2): $60,000 - $2,000 = $58,000 (b) Business Personal Property in the Open Step (1): $64,000 X 2% = $1,280 Step (2): $40,000 - $1,280 = $38,720. (c) Business Personal Property in the Building Step (1): $64,000 X 2% = $1,280 Step (2): $20,000 - $1,280 = $18,720 The most we will pay is $115,440 ($58,000 + $38,720 + $18,720). The portion of the total loss that is not covered due to the application of the Windstorm or Hail Percentage Deductible is $4,560 ($2,000 + $1,280+ $1,280). (3) Example #3 - Specific Insurance The amount of loss to the damaged Building is $60,000. The amount of damage to an "perishable goods" under the Spoilage Coverage Extension is $5,000. The actual Limit of Insurance on the damaged Building is $90,000.The Windstorm or Hail Percentage Deductible is 1 %. The actual Limit of Insurance applicable to the Spoilage Coverage Extension is $10,000.The Deductible applicable to the Spoilage Coverage Extension is $1,000. Calculation of the Windstorm or Hail Percentage Deductible $90,000 X 1 % = $900 The Windstorm or Hail Percentage Deductible is $900. The Deductible applicable to the Spoilage Coverage Extension is $1,000. In accordance with Paragraph 3. of Section D., DEDUCTIBLES, each Deductible applicable to this Coverage Part shall be applied separately but only to the coverage specified, and the total Deductible for all losses in any one occurrence shall be the highest Deductible amount that applies to the occurrence. Therefore, the most we will pay is $64,000 ($60,000 + $5,000 - $1,000). (4) Example #4 - Blanket Insurance Buildings #1, #2, and #3 are shown in the Declarations as included under the Blanket Insurance for Buildings with a Limit of Insurance of $2,000,000. Form SP 10 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD The appraised values of buildings at the time of loss are: Building #1 is $500,000; Building #2 is $500,000; and, Building #3 is $1,000,000. Buildings #1 and #2 have sustained damage. The amounts of loss to these buildings are: $40,000 for Building #1 and $20,000 for Building #2. The Windstorm or Hail Percentage Deductible is 2%. (a) Building #1 Step (1): $500,000 X 2% = $10,000 Step (2): $40,000 - $10,000 = $30,000 (b) Building #2 Step (1): $500,000 X 2% = $10,000 Step (2): $20,000 - $10,000 = $10,000 The most we will pay is $40,000 ($30,000 + $10,000). That portion of the total loss not covered due to application of the Windstorm or Hail Percentage Deductible is $20,000 ($10,000 + $10,000). (5) Example #5 — Blanket Insurance Building and Business Personal Property for Building #1 and Building and Business Personal Property for Building #2 are shown in the Declarations as included under the Blanket Insurance for Buildings and Business Personal Property with a Limit of Insurance of $1,500,000. The appraised values of Buildings and Business Personal Property at the time of loss are: Building #1: Building value is $500,000 and Business Personal Property value is $250,000; Building #2: Building value is $500,000 and Business Personal Property value is $250,000. Building #1 and Business Personal Property at Building #1 have sustained damage. The amount of loss to the Building is $95,000 and Business Personal Property is $5,000. The Windstorm or Hail Percentage Deductible is 5%. (a) Building Step (1): $500,000 X 5% = $25,000 Step (2): $95,000 - $25,000 = $70,000 (b) Business Personal Property Step (1): $250,000 X 5% = $12,500 The Business Personal Property loss, $5,000, does not exceed the Windstorm or Hail Percentage Deductible. The most we will pay is $70,000. The remainder of the building loss, $25,000, is not covered due to the application of the Windstorm or Hail Percentage Deductible. There is no loss payment for the Business Personal Property. Form SP 10 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&'Vd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD PERILS SPECIFICALLY EXCEPTED This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. As used herein, peril means a cause of physical loss or damage to property. It has this meaning whether or not it is called a peril or a cause of loss in this Coverage Part. A. The following is added to Section B., EXCLUSIONS Perils Specifically Excepted Even if any of the terms of this Coverage Part might be construed otherwise, the following perils, as described in Paragraphs a. and b. below, are SPECIFICALLY EXCEPTED FROM THIS COVERAGE PART. WE DO NOT COVER OR INSURE AGAINST LOSS OR DAMAGE DIRECTLY OR INDIRECTLY CAUSED BY, RESULTING FROM, CONTRIBUTED TO OR AGGRAVATED BY, OR WHICH WOULD NOT HAVE OCCURRED BUT FOR, EITHER OF THESE PERILS: a. ACTS, ERRORS OR OMISSIONS (1) Acts, errors or omissions by you or others in: (a) Planning, zoning, developing, surveying, testing or siting property; (b) Establishing or enforcing any building code, or any standard, ordinance or law about the construction, use or repair of any property or materials, or requiring the tearing down of any property, including the removal of its debris; (c) The design, specifications, workmanship, repair, construction, renovation, remodeling, grading or compaction of all or any part of the following: (i) Land or buildings or other structures; (ii) Roads, water or gas mains, sewers, drainage ditches, levees, dams, or other facilities; or (iii) Other improvements or changes in or additions to land or other property. (d) The furnishing of work, materials, parts or equipment in connection with the design, specifications, workmanship, repair, construction, renovation, remodeling, grading or compaction of any of the above property or facilities; or (e) The maintenance of any of such property or facilities. (2) This exception applies whether or not the property or facilities described above are covered: (a) Under this Coverage Part; or (b) On or away from the "scheduled premises". This exception does not reduce the insurance for loss or damage caused directly by a "covered peril'. b. COLLAPSE, "CRACKING" OR "SHIFTING" (1) Collapse, "cracking" or "shifting" of buildings, other structures or facilities, or their parts, if the collapse, "cracking" or "shifting": (a) Occurs during "earth movement," "volcanic eruption" or "flood" conditions or within 72 hours after they cease; and (b) Would not have occurred but for "earth movement," "volcanic eruption" or "flood." (2) If loss or damage by a "covered peril' ensues at the "scheduled premises", we will pay for that ensuing loss or damage. Form SP 20 08 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (3) This exception applies whether or not there are other provisions in this Coverage Part relating to collapse, "cracking" or "shifting" of buildings, other structures or facilities, or their parts. Any such provision is revised by this endorsement to include this exception. (4) If this Coverage Part specifically covers (by endorsement or in any other way) loss or damage caused by one or more of the following perils: (a) "Earthquake"; (b) "Flood"; (c) Volcanic action; (d) "Volcanic eruption"; or (e) Sinkhole collapse, this exception will not reduce that coverage. B. Solely for the purposes of this endorsement, the following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Cracking" means cracking, separating, shrinking, bulging, or expanding. 2. The following definition is added: "Shifting" means shifting, rising, settling, sinking, or lateral or other movement. 3. The following definition is added: "Earth movement" means any earth movement, including but not limited to "earthquake," landslide, mudflow, erosion, contraction or expansion, subsidence, any movement of earth resulting from water combining with the ground or soil, and any other "shifting" of earth; all whether or not combined with "flood" or "volcanic eruption." It does not include sinkhole collapse if loss by sinkhole collapse is specifically covered in this Coverage Part. 4. The following definition is added: "Earthquake" means a shaking or trembling of the earth's crust, caused by underground volcanic or tectonic forces or by breaking or "shifting" of rock beneath the surface of the ground from natural causes. An "earthquake" includes all related shocks and aftershocks. 5. The following definition is added: "Volcanic eruption" means the eruption, explosion or effusion of a volcano. It does not include volcanic action if loss by volcanic action is specifically covered in this Coverage Part. 6. The following definition is added: "Flood" means: a. Flood, surface water, waves (including tidal waves and tsunami), tides, tidal water, high water, and overflow of streams or any other natural or man-made bodies of water, or spray from any of these, all whether driven by wind or not (including storm surge); b. Release of water held by a dam, levy or dike or by a water or flood control device; c. Water that backs up from a sewer or drain; or d. Water under the ground surface pressing on, or flowing, leaking or seeping through: (1) Foundations, walls, floors or paved surfaces; (2) Basements, whether paved or not; or (3) Doors, windows or other openings. 7. The following definition is added: "Covered peril" means a. When this Coverage Part grants coverage based on the risk of loss from a "specified cause of loss", "covered peril" means any peril specifically named as a "specified cause of loss"; or Form SP 20 08 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD b. When this Coverage Part grants coverage based on the risk of loss without specifying a "specified cause of loss", "covered peril" means any peril not described above and not otherwise excluded or excepted from a "specified cause of loss" covered by this Coverage Part. Form SP 20 08 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmVmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COLLAPSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Collapse The coverage provided under this Additional Coverage applies only to an abrupt collapse as described and limited in Paragraphs (1) through (6) below. (1) For the purpose of this Additional Coverage, abrupt collapse means an abrupt falling down or caving in of a building or any part of a building with the result that the building or part of the building cannot be occupied for its intended purpose. (2) We will pay for direct physical loss or direct physical damage to Covered Property, caused by abrupt collapse of a building or any part of a building that is insured under this Coverage Part or that contains Covered Property insured under this Coverage Part, if such collapse is caused by one or more of the following: (a) Building decay that is hidden from view, unless the presence of such decay is known to an insured prior to collapse; (b) Insect or vermin damage that is hidden from view, unless the presence of such damage is known to an insured prior to collapse; (c) Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs during the course of the construction, remodeling or renovation; (d) Use of defective material or methods in construction, remodeling or renovation if the abrupt collapse occurs after the construction, remodeling or renovation is complete, but only if the collapse is caused in part by: (i) A cause of loss listed in Paragraphs (2)(a) or (2)(b) above; (ii) One or more of the "specified causes of loss"; (iii) Breakage of building glass; (iv) Weight of people or personal property; or (v) Weight of rain that collects on a roof. (3) This Additional Coverage does not apply to: (a) A building or any part of a building that is in danger of falling down or caving in; (b) A part of a building that is standing, even if it has separated from another part of the building; or (c) A building that is standing or any part of a building that is standing, even if it shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. (4) With respect to the following property: (a) Awnings; (b) Gutters and downspouts; (c) Yard fixtures; (d) Outdoor swimming pools; (e) Piers, wharves and docks; (f) Beach or diving platforms or appurtenances; (g) Retaining walls; and (h) Walks, roadways, and other paved surfaces; Form SP 30 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD if an abrupt collapse is caused by a cause of loss listed in Paragraphs (2)(a) through (2)(d) above, we will pay for loss or damage to that property only if such loss or damage is a direct result of the abrupt collapse of a building insured under this Coverage Part and the property is Covered Property under this Coverage Part. (5) If personal property abruptly falls down or caves in and such collapse is not the result of an abrupt collapse of a building, we will pay for loss or damage to Covered Property caused by such collapse of personal property only if: (a) The collapse of personal property was caused by a cause of loss listed in Paragraphs (2)(a) through (2)(d) of this Additional Coverage; (b) The personal property which collapses is inside a building; and (c) The property which collapses is not of a kind listed in Paragraph (4) above, regardless of whether that kind of property is considered to be personal property or real property. The coverage stated in this Paragraph (5) does not apply to personal property if marring and/or scratching is the only damage to that personal property caused by the collapse. Collapse of personal property does not mean cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. (6) Paragraph 2.j., Collapse, of Section B., EXCLUSIONS, does not apply to this Additional Coverage. (7) This Additional Coverage does not apply to personal property that has not abruptly fallen down or caved in, even if the personal property shows evidence of cracking, bulging, sagging, bending, leaning, settling, shrinkage or expansion. Form SP 30 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&'Wd Risk Management Analyst Form SP 30 01 10 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD DEBRIS REMOVAL This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Debris Removal (1) Subject to Paragraphs (2), (3) and (4) below, we will pay your expense to remove debris of Covered Property and other debris that is on the "scheduled premises" when such debris is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date of direct physical loss or direct physical damage. (2) Debris Removal does not apply to costs to: (a) Remove debris of property of yours that is not insured under this Coverage Part, or property in your possession that is not Covered Property; (b) Remove debris of property owned by or leased to the landlord of the building where your described premises are located, unless you have a contractual responsibility to insure such property and it is insured under this Coverage Part; (c) Remove any property listed under Paragraph A.2. Property Not Covered except as otherwise provided for in this Coverage Part; (d) Remove property of others of a type that would not be Covered Property under this Coverage Part; (e) Remove deposits of mud or earth from the grounds of the "scheduled premises"; (f) Extract "pollutants and contaminants" from land or water; or (g) Remove, restore or replace polluted land or water. (3) Subject to the exceptions in Paragraph (4) below, the following provisions apply: (a) The most we will pay for the total of direct physical loss or direct physical damage plus debris removal expense is the Limit of Insurance applicable to the Covered Property that has sustained loss or damage. (b) Subject to Paragraph (3)(a) above, the amount we will pay for debris removal expense is limited to 25% of the sum of the Deductible plus the amount that we pay for direct physical loss or direct physical damage to the Covered Property that has sustained loss or damage. However, if no Covered Property has sustained direct physical loss or direct physical damage, the most we will pay for removal of other debris that is on the "scheduled premises" when such debris is caused by or results from a Covered Cause of Loss (if such removal is covered under this Additional Coverage) is $5,000 at each location. (4) We will pay up to the Limit of Insurance listed under Debris Removal — Additional Limit in the Declarations for debris removal expense for each location, in any one occurrence of physical loss or physical damage to Covered Property, if one or both of the following circumstances apply: (a) The total of the actual debris removal expense plus the amount we pay for direct physical loss or direct physical damage exceeds the Limit of Insurance on the Covered Property that has sustained loss or damage. (b) The actual debris removal expense exceeds 25% of the sum of the Deductible plus the amount that we pay for direct physical loss or direct physical damage to the Covered Property that has sustained loss or damage. Therefore, if Paragraphs (4)(a) and/or (4)(b) apply, our total payment for direct physical loss or damage and debris removal expense may reach but will never exceed the Limit of a F RA Mmaganad DMsian REVIEWED & APPROVED BY. - Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD Property that has sustained loss or damage, plus the amount listed in the Declarations under Debris Removal — Additional Limit. (5) Examples Example 1 Limit of Insurance $ 90,000 Amount of Deductible $ 500 Amount of Loss $ 50,000 Amount of Loss Payable $ 49,500 ($50,000 — $500) Debris Removal Expense $ 10,000 Debris Removal Expense Payable $ 10,000 ($10,000 is 20% of $50,000) The debris removal expense is less than 25% of the sum of the loss payable plus the Deductible. The sum of the loss payable and the debris removal expense ($49,500 + $10,000 = $59,500) is less than the Limit of Insurance. Therefore, the full amount of debris removal expense is payable in accordance with the terms of Paragraph (3). Example 2 Limit of Insurance $ 90,000 Amount of Deductible $ 500 Amount of Loss $ 80,000 Amount of Loss Payable $ 79,500 ($80,000 — $500) Debris Removal Expense $ 40,000 Debris Removal Expense Payable Basic Amount $ 10,500 Additional Limit $ 25,000 The basic amount payable for debris removal expense under the terms of Paragraph (3) is calculated as follows: $80,000 ($79,500 + $500) x .25 = $20,000; capped at $10,500. The cap applies because the sum of the loss payable ($79,500) and the basic amount payable for debris removal expense ($10,500) cannot exceed the Limit of Insurance ($90,000). The additional amount payable for debris removal expense is provided in accordance with the terms of Paragraph (4), because the debris removal expense ($40,000) exceeds 25% of the loss payable plus the Deductible ($40,000 is 50% of $80,000), and because the sum of the loss payable and debris removal expense ($79,500 + $40,000 = $119,500) would exceed the Limit of Insurance ($90,000). In this example, the Debris Removal — Additional Limit shown in the Declarations is $25,000. Thus, the total payable for debris removal expense in this example is $35,500; $4,500 of the debris removal expense is not covered. Form SP 30 01 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&'Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EQUIPMENT BREAKDOWN This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Equipment Breakdown (1) We will pay for direct physical loss or direct physical damage to "equipment breakdown property" caused by or resulting from an "equipment breakdown accident". If an initial "equipment breakdown accident" causes other "equipment breakdown accidents", all will be considered one "equipment breakdown accident'. All "equipment breakdown accidents" that are the result of the same event will be considered one "equipment breakdown accident'. (2) Coverage Extensions The following Coverage Extensions apply only to direct physical loss or direct physical damage to "equipment breakdown property" caused by or resulting from an "equipment breakdown accident': (a) Hazardous Substances We will pay in any one occurrence for the additional cost, not to exceed the Limit of Insurance shown in the Declarations for Equipment Breakdown — Hazardous Substances, to repair or replace Covered Property because of contamination by a "hazardous substance". This includes the expenses to clean up or dispose of such property. This does not include contamination of "perishable goods" by a refrigerant, including but not limited to ammonia. Additional cost means those beyond what would have been required had no "hazardous substance" been involved. This limit is in addition to the Limits of Insurance for Covered Property. (b) Expediting Expenses With respect to your damaged Covered Property, we will pay in any one occurrence, up to the Limit of Insurance shown in the Declarations for Equipment Breakdown — Expediting Expenses, for the reasonable and necessary additional expenses you incur to: (i) Make temporary repairs; or (ii) Expedite permanent repairs or permanent replacement. This limit is in addition to the Limits of Insurance for Covered Property. (c) Defense If a claim or "suit' is brought against you alleging that you are liable for damage to property of another in your care, custody or control directly caused by an "equipment breakdown accident', we will either: (i) Settle the claim or "suit'; or (ii) Defend you against the claim or "suit," but keep for ourselves the right to settle it at any point. Payments under this Coverage Extension will not reduce the Limits of Insurance for Covered Property. (d) Supplementary Payments We will pay, with respect to any claim or "suit' we defend: (i) All expenses we incur; (ii) The cost of bonds to release attachments, but only for bond amounts within the Limit of Insurance. We do not have to furnish these bonds; Form SP 30 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (iii) All reasonable expenses incurred by you at our request to assist us in the investigation or defense of the claim or "suit" including actual loss of earnings up to $100 a day because of time off from work; (iv) All costs taxed against you in any "suit" we defend; (v) Prejudgment interest awarded against you on that part of the judgment we pay. If we make an offer to pay the applicable Limit of Insurance, we will not pay any prejudgment interest based on that period of time after the offer; and (vi) All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the Limit of Insurance shown in the Declarations. Payments under this Coverage Extension will not reduce the Limits of Insurance for Covered Property. (e) Environment, Safety and Efficiency Improvements If "equipment breakdown property" requires replacement due to loss or damage caused by or resulting from an "equipment breakdown accident", we will pay your additional cost to replace it with equipment that is better for the environment, safer or more efficient than the equipment being replaced. However, we will not pay more than 125% of what the cost would have been to repair or replace with property of comparable material and quality. This coverage does not increase any of the applicable Limits of Insurance. This coverage does not apply to any property indicated as being valued on an Actual Cash Value basis. If you wish to retrofit air conditioning or refrigeration equipment that utilizes a refrigerant containing CFC (chlorofluorocarbon) substances to accept a non-CFC refrigerant or replace the system with a system using a non-CFC refrigerant, we will consider this better for the environment. Any associated Business Income or Extra Expense will be included in determining the additional cost, if the Business Income and Extra Expense Additional Coverage applies to this Coverage Part. (3) Additional Conditions (a) Bankruptcy The bankruptcy or insolvency of you or your estate will not relieve us of any obligation under this Additional Coverage. (b) Jurisdictional Inspections If any "equipment breakdown property" requires inspection to comply with state or municipal boiler and pressure vessel regulations, we agree to perform such inspection on your behalf. We do not warrant that conditions are safe or healthful. (c) Suspension When any "equipment breakdown property" is found to be in or exposed to a dangerous condition, any of our representatives may immediately suspend the insurance against loss from an "equipment breakdown accident" to that "equipment breakdown property". We can do this by mailing or delivering a written notice of suspension to: (i) Your address as shown in the Declarations; or (ii) The address where the "equipment breakdown property' is located. Once suspended in this way, your insurance can be reinstated only by written notice of reinstatement from us. Form SP 30 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (4) We will not pay for direct physical loss or direct physical damage in any one occurrence unless the amount of direct physical loss or direct physical damage exceeds the Equipment Breakdown Deductible stated in the Declarations. We will then pay the amount of the direct physical loss or direct physical damage in excess of the Equipment Breakdown Deductible up to the applicable Limit of Insurance for Covered Property. B. The following changes are made to Section B., EXCLUSIONS: 1. Exclusion B.2.a., Electrical Apparatus, is deleted. 2. Exclusion 13.2.d., Steam Apparatus, is deleted. 3. Paragraph (6) of Exclusion 13.2.e., Other Types of Loss, is deleted. 4. Paragraph 13.2.o., Electrical Disturbance, is deleted. C. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Equipment breakdown accident" means a fortuitous event that causes direct physical loss or direct physical damage to "equipment breakdown property". The event must be one of the following: a. Mechanical breakdown, including rupture or bursting caused by centrifugal force. b. Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network. c. Explosion of steam boilers, steam piping, steam engines or steam turbines owned or leased by you, or operated under your control. d. Physical loss or physical damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such boilers or equipment. e. Physical loss or physical damage to hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment. 2. The following definition is added: "Equipment breakdown property" means Covered Property which, during normal usage, operates under vacuum or pressure, other than the weight of contents, or that generates, transmits or utilizes energy. The following is not "equipment breakdown property": a. Any structure, foundation, cabinet, compartment or air supported structure or building; b. Any insulating or refractory material; c. Any sewer piping, any underground vessels or piping, any piping forming a part of a sprinkler system, water piping other than boiler feedwater piping, boiler condensate return piping, or water piping forming a part of a refrigerating or air conditioning system; d. Any dragline, excavation or construction equipment; e. Any vehicle or any equipment mounted on a vehicle. As used here, vehicle means any machine or apparatus that is used for transportation or moves under its own power. Vehicle includes, but is not limited to: car, truck, bus, trailer, train, aircraft, watercraft, forklift, bulldozer, tractor or harvester. However, any property that is stationary, permanently installed at a "scheduled premises" and that receives electrical power from an external power source will not be considered a vehicle; or f. Any equipment manufactured by you for sale. 3. The following definition is added: "Hazardous substance" means any substance that is hazardous to health or has been declared to be hazardous to heath by a governmental agency. 4. The following definition is added: "Perishable goods" means personal property: a. Maintained under controlled temperature or humidity conditions for preservation; and b. Susceptible to loss or damage if the controlled temperature or humidity conditions Form SP 30 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FIRE DEPARTMENT SERVICE CHARGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Fire Department Service Charge (1) When the fire department is called to save or protect Covered Property from a Covered Cause of Loss, we will pay up to the Limit of Insurance shown in the Declarations for Fire Department Service Charge in any one occurrence for your liability for fire department service charges: (a) Assumed by contract or agreement prior to loss; or (b) Required by local ordinance. (2) No deductible applies to this Coverage Extension. Form SP 30 03 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FIRE EXTINGUISHER RECHARGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Fire Extinguisher Recharge (1) You may extend the insurance that applies to Covered Property to apply to: (a) The cost of recharging or replacing, whichever is less, your fire extinguishers and fire extinguishing systems (including hydrostatic testing if needed) if they are discharged while fighting a covered fire on or within 1,000 feet of the "scheduled premises"; and (b) For direct physical loss or direct physical damage to Covered Property if such loss or damage is the result of an accidental discharge of chemicals from a fire extinguisher or fire extinguishing system. (2) No coverage will apply if the fire extinguisher or fire extinguishing system is discharged during installation or testing. (3) No deductible applies to this Additional Coverage. Form SP 30 04 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD GARAGES, STORAGE BUILDINGS AND OTHER APPURTENANT STRUCTURES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Garages, Storage Buildings and Other Appurtenant Structures (1) You may extend the insurance that applies to Buildings to apply to garages, storage buildings and other appurtenant structures, except outdoor fixtures, at the "scheduled premises". (2) You may extend the insurance that applies to Business Personal Property to apply to Business Personal Property in garages, storage buildings and other appurtenant structures at the "scheduled premises". (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Garages, Storage Buildings, and Other Appurtenant Structures. Form SP 30 05 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD GLASS EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Glass Expense In the event of covered loss or damage to Covered Property, we will pay the necessary expenses incurred to: (1) Put up temporary plates or board up openings if repair or replacement of damaged glass is delayed; (2) Repair or replace encasing frames; and (3) Remove or replace obstructions when repairing or replacing glass that is part of a building; This does not include removing or replacing window displays. Form SP 30 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LEASE ASSESSMENT This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lease Assessment (1) You may extend the insurance that applies to Covered Property to apply to your share of any assessment charged to all tenants by the building owner as a result of direct physical damage caused by or resulting from a Covered Cause of Loss to building property you occupy as agreed to in your written lease agreement. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Lease Assessment. Form SP 30 07 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LOCK AND KEY REPLACEMENT This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lock and Key Replacement (1) You may extend the insurance that applies to Covered Property to apply to the re -keying of locks or the repair or replacement of locks at the "scheduled premises" following the theft or the attempted theft of keys by burglars. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Lock and Key Replacement. Form SP 30 08 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PERSONAL EFFECTS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Personal Effects (1) We will pay for direct physical loss or direct physical damage to personal effects owned by you, your officers, your partners, "managers", "members", or your "employees" caused by or resulting from a Covered Cause of Loss. (2) This Coverage Extension does not apply to: (a) Tools or equipment used in your business; and (b) Tools and small equipment owned by any "employee(s)"; (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Personal Effects. Form SP 30 09 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD PRESERVATION OF PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Preservation of Property If it is necessary to move Covered Property from the "scheduled premises" to preserve it from direct physical loss or direct physical damage by a Covered Cause of Loss, we will pay for any direct physical loss of or direct physical damage to that property: (1) While it is being moved or while temporarily stored at another location; and (2) Only if the direct physical loss or direct physical damage occurs within the number days shown in the Declarations for Preservation of Property after the property is first moved. Form SP 30 10 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ORDINANCE OR LAW COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extension, of the Special Property Coverage Form: Ordinance or Law (1) Application of Coverage The coverage(s) provided by this Coverage Extension applies only if both (1)(a) and (1)(b) are satisfied and are then subject to the qualifications set forth in (1)(c). (a) The ordinance or law: (i) Regulates the demolition, construction, or repair of Buildings or "tenant improvements and betterments", or establishes zoning or land use requirements at the "scheduled premises"; and (i i) Is in force at the time of loss. But coverage under this Coverage Extension applies only in response to the minimum requirements of the ordinance or law. Losses and costs incurred in complying with recommended actions or standards that exceed actual requirements are not covered under this endorsement. (b) The Building or "tenant improvements and betterments" sustain direct physical damage: (i) That is covered under this Policy and as a result of such damage, you are required to comply with the ordinance or law; or (ii) That is both covered under this Policy and direct physical damage that is not covered under this Policy, and as a result of the Building or "tenant improvements and betterments" damage in its entirety, you are required to comply with the ordinance or law. (iii) But if the damage is not covered under this Policy, and such damage is the subject of the ordinance or law, then there is no coverage under this Coverage Extension even if the Building or "tenant improvements and betterments" have also sustained covered direct physical damage. (c) In the situation described in (1)(b)(ii) above, we will not pay the full amount of loss otherwise payable under the coverages described in (2) below. Instead, we will pay a proportion of such loss, meaning the proportion that the covered direct physical damage bears to the total direct physical damage. (Paragraph (6) of this Coverage Extension provides an example of this procedure) However, if the covered direct physical damage alone would have resulted in a requirement to comply with the ordinance or law, then we will pay the full amount of loss otherwise payable under the terms of the coverages described in (2) below. (2) Coverage (a) Undamaged Part With respect to the Building or "tenant improvements and betterments" that have sustained direct physical damage, we will pay for the loss in value of the undamaged portion of the Building or "tenant improvements and betterments" as a consequence of a requirement to comply with an ordinance or law that requires demolition of undamaged parts of the same Building or "tenant improvements and betterments". (b) Demolition Cost and Increased Cost of Construction (i) Demolition Cost Form SP 30 11 12 19 With respect to the Building or "tenant improvements and betterments" covered direct physical damage, we will pay the cost to demolish and -11 parts of the same Building or "tenant improvements and bettermen © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K that have sustained _ F Risk Mmaganent DMsian REVIEWED & APPROVED BY. - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD requirement to comply with an ordinance or law that requires demolition of such undamaged property. (ii) Increased Cost of Construction With respect to the Building or "tenant improvements and betterments" that have sustained covered direct physical damage, we will pay the increased cost to: (aa) Repair or reconstruct damaged portions of that Building or "tenant improvements and betterments"; and/or (bb) Reconstruct or remodel undamaged portions of that Building or "tenant improvements and betterments", whether or not demolition is required; when the increased cost is a consequence of a requirement to comply with the minimum standards of the ordinance or law. However this coverage applies only if the restored or remodeled property is intended for similar occupancy as the current property, unless such occupancy is not permitted by zoning or land use ordinance or law. Additionally, we will not pay for the increased cost of construction if the Building or "tenant improvements and betterments" are not repaired, reconstructed, or remodeled. Paragraph E.5.d within the Loss Payment condition does not apply to Demolition Cost and Increased Cost of Construction coverages. (3) Loss Payment (a) All following loss payment provisions (3)(b) and (3)(c) are subject to the apportionment procedure set forth in Paragraph (1)(c) of this Coverage Extension. (b) When there is a loss in value of an undamaged portion of a Building or "tenant improvements and betterments" to which Undamaged Part coverage applies, the loss payment for that Building or "tenant improvements and betterments", including damaged and undamaged portions, will be as follows: (i) If the property is repaired or replaced on the same or another premises, we will not pay more than the lesser of: (aa) The amount you actually spend to repair, rebuild, or reconstruct the Building or "tenant improvements and betterments" but not more than the amount it would cost to restore the Building or "tenant improvements and betterments" at the same premises and to the same height, floor area, style, and comparable quality of the original property insured; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law - Undamaged Part. (ii) If the property is not repaired or replaced, we will not pay more than the lesser of: (aa) The actual cash value of the Building or "tenant improvements and betterments" at the time of loss; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law - Undamaged Part. (c) The most we will pay for the total of all covered losses for Demolition Cost and Increased Cost of Construction coverage is the Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. Subject to this combined Limit of Insurance, the following loss payment provisions apply: (i) For Demolition Cost coverage, we will not pay more than the amount you actually spend to demolish and clear the site of the "scheduled premises". (ii) With respect to the Increased Cost of Construction: (aa) We will not pay for the increased cost of construction until the property is actually repaired or replaced at the same or another premises; and (bb) Unless the repairs or replacement is made as soon as reasonably possible after the loss or damage, not to exceed two years. We may extend this period in writing during the two years. Form SP 30 11 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (iii) If the Building or "tenant improvements and betterments" are repaired or replaced at the same premises, or if you elect to rebuild at another premises, the most we will pay for the Increased Cost of Construction Coverage is the lesser of: (aa) The increased cost of construction at the same premises; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. (iv) If the ordinance or law requires relocation to another premises, the most we will pay for the increased cost of construction is the lesser of: (aa) The increased cost of construction at the new premises; or (bb) The Limit of Insurance shown in the Declarations for Ordinance or Law — Demolition Cost and Increased Cost of Construction. (4) Paragraph 1.i., Ordinance or Law, of Section B., EXCLUSIONS, does not apply to this Coverage Extension. (5) Additional Exclusions We will not pay under this Coverage Extension for: (a) The enforcement of or compliance with any ordinance or law which requires the demolition, repair, replacement, reconstruction, remodeling or remediation of property due to contamination by "pollutants and contaminants" or due to the presence, growth, proliferation, spread of any activity of "fungi", wet or dry rot, bacteria or virus; (b) The costs associated with the enforcement of or compliance with any ordinance or law which requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants or contaminants", "fungi", wet or dry rot, bacteria or virus; or (c) Loss due to any ordinance or law that: (i) You were required to comply with before the loss even if the Building or "tenant improvements and betterments" were undamaged; and (ii) You failed to comply with. (6) Example of Proportionate Loss Payment for Ordinance or Law Coverage Losses (procedure as set forth in Paragraph (1)(c) of this Coverage Extension). Assume: • Wind is a Covered Cause of Loss. Flood is an excluded Cause of Loss; • The building has a value of $200,000; • Total direct physical damage to building: $100,000; • The ordinance or law in this jurisdiction is enforced when building damage equals or exceeds 50% of the building's value; • Portion of direct physical damage that is covered (caused by wind): $30,000; • Portion of direct physical damage that is not covered (caused by flood): $70,000; and • Loss under Increased Cost of Construction of this Coverage Extension: $60,000. Step 1: Determine the proportion that the covered direct physical damage bears to the total direct physical damage. $30,000 divided by $100,000 = .30 Step 2: Apply that proportion to the Ordinance or Law loss. $60,000 x .30 = $18,000 In this example, the most we will pay under this endorsement for the Increased Cost of Construction coverage is $18,000, subject to the applicable Limit of Insurance and any other applicable provisions. NOTE: The same procedure applies to losses under Undamaged Part and this endorsement. Form SP 30 11 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its a F Risk Manage meet Division REVIEWED & APPROVED BY.- - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD VALUABLE PAPERS AND RECORDS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Valuable Papers and Records (1) You may extend the insurance that applies to Covered Property to apply to your "valuable papers and records" or "valuable papers and records" of others while in your care, custody or control while on or away from the "scheduled premises", including while in transit. (2) Under this Coverage Extension, we will not pay for "valuable papers and records": (a) Held as samples or for delivery after sale; (b) In storage away from the "scheduled premises"; or (c) If such "valuable papers and records" cannot be replaced with other property of like kind and quality. (3) Section B., EXCLUSIONS, does not apply to this Coverage Extension except for: (a) Exclusion 13.1.b., Governmental Action; (b) Exclusion 13.1.c., Nuclear Hazard; and (c) Exclusion 13.1.e., War and Military Action. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Valuable Papers and Records. Form SP 30 12 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst Form SP 30 13 10 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME AND EXTRA EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section A., COVERAGE: 1. The following is added to Paragraph 6., Coverage Extensions: Business Income (1) We will pay for the actual loss of Business Income you sustain due to the necessary suspension of your "operations" during the "period of restoration". The suspension must be caused by direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet of the "scheduled premises", caused by or resulting from a Covered Cause of Loss. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; or (b) That part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss if coverage for Business Income applies to the Coverage Part. (6) We will not pay for any increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (c) Any other consequential loss. (7) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Business Income loss to the extent you can resume your "operations", in whole or in part, by using damaged or undamaged property (including merchandise or "stock") at the "scheduled premises" or elsewhere. (8) Under this Coverage Extension, coverage for Business Income does not apply when the suspension of "operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (9) A waiting period may apply, however, no other deductible applies to this Coverage Extension. 2. The following is added to Paragraph 6., Coverage Extensions: Extended Business Income (1) If the necessary suspension of your "operations" produces a Business Income loss payable under the Business Income Coverage Extension, we will pay for the actual loss of Business Income you incur during the period that: (a) Begins on the date property, other than finished "stock", is actually repaired, rebuilt or replaced and "operations" are resumed; and (b) Ends on the earlier of: (i) The date you could restore your "operations" with reasonable speed, to the condition that would have existed if no direct physical loss or direct physical damage occurred; or (ii) 45 consecutive days after the date determined in Paragraph (1)(a) above, unless a different time period is shown in the Declarations for Extended Business Income. However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the "scheduled premises" is located. (2) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; and (b) That a part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss. (3) We will not pay for any Extended Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or (c) Any other consequential loss. (4) No deductible applies to this Coverage Extension. 3. The following is added to Paragraph 6., Coverage Extensions: Extra Expense (1) We will pay reasonable and necessary Extra Expense you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet, caused by or resulting from a Covered Cause of Loss. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and Form SP 30 13 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (i) At the "scheduled premises"; or (ii) At replacement premises or at temporary locations, including: (aa) Relocation expenses; and (bb) Cost to equip and operate the replacement or temporary location, other than those costs necessary to repair or to replace damaged "stock" and equipment. (b) To minimize the suspension of business if you cannot continue "operations". (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension or the Business Income Coverage Extension. (4) With respect to the coverage provided in this Coverage Extension, suspension means: (a) The partial slowdown or complete cessation of your business activities; or (b) That part or all of the "scheduled premises" is rendered untenantable as a result of a Covered Cause of Loss if coverage for Extra Expense applies to the Coverage Part. (5) This Extra Expense Coverage Extension does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "period of restoration", once "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (7) We will not pay for any Extra Expense caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration"; or (c) Any other consequential loss (8) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Extra Expense loss to the extent you can return "operations" to normal and discontinue such Extra Expense (9) Under this Coverage Extension, coverage for Extra Expense does not apply when the suspension of "operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (10)No deductible applies to this Coverage Extension. Form SP 30 13 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RAMwaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM DEPENDENT PROPERTIES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income From Dependent Properties (1) We will pay the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "dependent property period of restoration" due to direct physical loss or direct physical damage at the premises of a "dependent property" or "secondary dependent property" caused by or resulting from a Covered Cause of Loss. However, this Coverage Extension does not apply when the only loss at the premises of a "dependent property" or "secondary dependent property" is loss or damage to "electronic data", including destruction or corruption of "electronic data". If the "dependent property" or "secondary dependent property" sustains loss or damage to both "electronic data" and other property, coverage under this Coverage Extension will not continue once the other property is repaired, rebuilt or replaced. (2) Coverage provisions respecting direct physical loss or direct physical damage will apply separately to each "dependent property" and "secondary dependent property" premises. (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage at the premises of a "dependent property" or "secondary dependent property" had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (7) (a) Any deficiencies in insuring building or business personal property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. With respect to the coverage provided in this Coverage Extension, sus slowdown or complete cessation of your business activities. Form SP 30 14 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K PFA 1 SANTA ANA Risk MwagmadDMsiun .. D THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "dependent property period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) You must resume all or part of your "operations" as quickly as possible. We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume "operations", in whole, or in part, by using any other available: (a) Sources of materials; or (b) Outlet for your products. (10)We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "dependent property period of restoration". (c) Any other consequential loss. (11)A waiting period may apply to Business Interruption, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the limit shown in the Declarations for Business Income From Dependent Properties. B. The following changes are made to Section G. PROPERTY DEFINITIONS: 1. The following definition is added: "Dependent property" means property owned, leased or operated by others whom you depend on to: a. Deliver materials or services to you or to others for your account. But services do not include: (1) Water, wastewater removal, communication, power services or any other utility services; or (2) Any type of web site, or Internet service. b. Accept your products or services; c. Manufacture your products for delivery to your customers under contract for sale; or d. Attract customers to your business premises. The "dependent property" must be located in the coverage territory of this Coverage Part. 2. The following definition is added: "Dependent property period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income for Dependent Properties coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from any Covered Cause of Loss at the "dependent property" or "secondary dependent property"; and (2) Ends on the earlier of: (a) The date when the property at the "dependent property" or "secondary dependent property" should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) Exhaustion of the number of consecutive months as shown on the Declarations as the Business Income for Dependent Properties Period of Restoration. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or Form SP 30 14 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K a F RAMwaganadDMsian REVIEWED & APPROVED BY.- r Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "dependent property period of restoration". 3. The following definition is added: "Secondary dependent property" a. Means an entity which is not owned, leased or operated by a "dependent property" and which: (1) Deliver materials or services to a "dependent property", which in turn are used by the "dependent property" in providing materials or services to you; or (2) Accepts materials or services from a "dependent property", which in turn accepts your materials or services. b. A road, bridge, tunnel, waterway, airfield, pipeline or any other similar area or structure is not a "secondary dependent property". c. Any property which delivers any of the following services is not a "secondary dependent property" with respect to such services: (1) Water, wastewater removal, communication, power services or any other utility services; or (2) Any type of web site, or Internet service. The "secondary dependent property" must be located in the coverage territory of this Coverage Part. Form SP 30 14 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r RAMwaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FORGERY COVERAGE (INCLUDING CREDIT CARDS, CURRENCY AND MONEY ORDERS) This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Forgery (1) We will pay for loss resulting directly from forgery or alteration of any check, draft, promissory note, bill of exchange or similar written promise of payment in "money" that you or your agent has issued, or that was issued by someone who impersonates you or your agent. This includes written instruments required in conjunction with any credit, debit, or charge card issued to you or any "employee" for business purposes. (2) If you are sued for refusing to pay the check, draft, promissory note, bill of exchange or similar written promise of payment in "money" on the basis that it has been forged or altered, and you have our written consent to defend against the "suit", we will pay for any reasonable legal expenses that you incur and pay in that defense. (3) We will pay for loss resulting directly from your having accepted in good faith, in exchange for merchandise, "money" or services: (a) Money orders, including counterfeit money orders, issued by any post office, express company or bank that are not paid upon presentation; and (b) "Counterfeit money" that is acquired during the regular course of business. (4) For the purpose of this Coverage Extension, check includes a substitute check as defined in the Check Clearing for the 21 st Century Act and will be treated the same as the original it replaced. (5) We will treat mechanically reproduced facsimile signatures the same as handwritten signatures. (6) You must include with your proof of loss any instrument involved in that loss, or, if that is not possible, an affidavit setting forth the amount and cause of loss. (7) With respect to this Coverage Extension only, Paragraphs F.5.b.(1) through F.5.b.(3) are deleted and replaced with the following: Anywhere in the world. (8) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (9) Additional Conditions: (a) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (b) Non -Cumulation of Limit of Insurance Regardless of the number of years this Coverage Part remains in force or th no Limit of Insurance cumulates from year to year or period to period. Form SP 30 16 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its HORaN RiskMwaganadDMsian REVIEWED & APPROVED BY.- o r f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD (c) Ownership of Property, Interests Covered The property covered under this Coverage Part is limited to property (i) That you own or hold; or (ii) For which you are legally liable. However, this insurance is for your benefit only. It provides no rights or benefits to any other person or organization (10)The most we will pay in any one occurrence, including legal expenses, under this Coverage Extension is the Limit of Insurance shown in the Declarations for Forgery Coverage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Counterfeit money" means an imitation of "money" that is intended to deceive and to be taken as genuine. Form SP 30 16 12 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst Form SP 30 17 10 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Limited Coverage For "Fungi", Wet Rot, Dry Rot, Bacteria and Virus (1) The coverage described in Paragraph (2) below only applies when the "fungi", wet or dry rot, bacteria or virus is the result of one or more of the following causes that occurs during the policy period and only if all reasonable means were used to save and preserve the property from further damage at the time of and after that occurrence. (a) A "specified cause of loss" other than fire or lightning; (b) An "equipment breakdown accident" occurs to "equipment breakdown property", if the Equipment Breakdown Additional Coverage is attached to this Coverage Part. (2) The coverage described below applies only when a Limit of Insurance is shown in the Declarations for either Building or Business Personal Property. We will pay for loss or damage to Covered Property by "fungi", wet rot, dry rot, bacteria and virus. As used in this Additional Coverage, the term loss or damage means: (a) Direct physical loss or direct physical damage to Covered Property caused by "fungi", wet rot, dry rot, bacteria or virus, including the cost of removal of the "fungi", wet rot, dry rot, bacteria or virus; (b) The cost to tear out and replace any part of the building or other property as needed to gain access to the "fungi", wet rot, dry rot, bacteria or virus; and (c) The cost of testing performed after removal, repair, replacement or restoration of the damaged property is completed, provided there is a reason to believe that "fungi", wet rot, dry rot, bacteria or virus is present. (3) The following exclusions do not apply to this Additional Coverage: (a) Exclusion B.1.g., "Fungi", Wet Rot or Dry Rot; (b) Exclusion 13.1.h., Virus or Bacteria; (c) Exclusion B.2.o., Continuous Or Repeated Seepage Or Leakage Of Water. (4) This Additional Coverage does not apply to lawns, trees, shrubs or plants which are part of a vegetated roof. (5) The most we will pay in any one occurrence under this Additional Coverage, including any payments made under the Business Income or Extra Expense Coverage Extensions referenced in Paragraph (9) below, is the Limit of Insurance for Limited Fungi, Bacteria or Virus Coverage shown in the Declarations even if the "fungi", wet or dry rot, bacteria, or virus continues to be present or active, or recurs, in a later policy period. (6) The coverage provided under this Additional Coverage does not increase the applicable Limit of Insurance on any Covered Property. If a particular occurrence results in loss or damage by "fungi", wet rot, dry rot, bacteria or virus, and other loss or damage, we will not pay more, for the total of all loss or damage, than the applicable Limit of Insurance on the affected Covered Property. (7) If there is covered loss or damage to Covered Property, not caused by "fungi", wet rot, dry rot, bacteria or virus, loss payment will not be limited by the terms of this Limited Coverage, except to the extent that "fungi", wet or dry rot, bacteria or virus causes an increase in the loss. Any such increase in the loss will be subject to the terms of this Additional Coverage. (8) The terms of this Additional Coverage do not increase or reduce coverage which may otherwise be provided in this Policy. a F RA Mmaganad DMsian REVIEWED & APPROVED BY. - Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (9) The following applies only if the Business Income and Extra Expense Coverage Extensions are attached to this Coverage Part and only if the suspension of "operations" satisfies all the terms and conditions of the Business Income and Extra Expense Coverage Extensions. (a) If the loss or damage which resulted in "fungi", wet or dry rot, bacteria or virus does not in itself necessitate a suspension of "operations", but such suspension is necessary due to loss or damage to property caused by "fungi", wet or dry rot, bacteria or virus, then our payment under the Business Income and Extra Expense Coverage Extensions is limited to the amount of loss and expense sustained in a period of not more than 30 days unless another number of days is indicated in the Declarations. The days need not be consecutive. (b) If a covered suspension of 'operations" was caused by loss or damage other than "fungi", wet or dry rot, bacteria or virus, but remediation of "fungi", wet or dry rot, bacteria or virus prolongs the "period of restoration", we will pay for loss and expense sustained during the delay (regardless of when such a delay occurs during the "period of restoration"), but such coverage is limited to 30 days unless another number of days is indicated in the Declarations. The days need not be consecutive. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Equipment breakdown accident" means a fortuitous event that causes direct physical loss or direct physical damage to "equipment breakdown property". The event must be one of the following: a. Mechanical breakdown, including rupture or bursting caused by centrifugal force. b. Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network. c. Explosion of steam boilers, steam piping, steam engines or steam turbines owned or leased by you, or operated under your control. d. Physical loss or physical damage to steam boilers, steam pipes, steam engines or steam turbines caused by or resulting from any condition or event inside such boilers or equipment. e. Physical loss or physical damage to hot water boilers or other water heating equipment caused by or resulting from any condition or event inside such boilers or equipment. 2. The following definition is added: "Equipment breakdown property" means Covered Property which, during normal usage, operates under vacuum or pressure, other than the weight of contents, or that generates, transmits or utilizes energy. The following is not "equipment breakdown property": a. Any structure, foundation, cabinet, compartment or air supported structure or building; b. Any insulating or refractory material; c. Any sewer piping, any underground vessels or piping, any piping forming a part of a sprinkler system, water piping other than boiler feedwater piping, boiler condensate return piping, or water piping forming a part of a refrigerating or air conditioning system; d. Any dragline, excavation or construction equipment; e. Any vehicle or any equipment mounted on a vehicle. As used here, vehicle means any machine or apparatus that is used for transportation or moves under its own power. Vehicle includes, but is not limited to, car, truck, bus, trailer, train, aircraft, watercraft, forklift, bulldozer, tractor or harvester. However, any property that is stationary, permanently installed at a "scheduled premises" and that receives electrical power from an external power source will not be considered a vehicle. f. Any equipment manufactured by you for sale. Form SP 30 17 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD ARSON AND THEFT REWARD This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Arson and Theft Reward (1) In the event that a covered fire loss was the result of an act of arson, we will reimburse you for rewards you pay for information leading to convictions for that act of arson. (2) In the event of a covered theft loss, we will reimburse you for rewards you pay for information leading to convictions for the theft loss. (3) No deductible applies to this Coverage Extension. (4) The most we will pay to reimburse you in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Arson and Theft Reward. Form SP 30 18 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FOR CIVIL AUTHORITY ACTIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income for Civil Authority Actions (1) When a Covered Cause of Loss causes direct physical loss or direct physical damage to property other than at the "scheduled premises", we will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "civil authority period of restoration" caused by action of civil authority that prohibits access to the "scheduled premises" provided that both of the following apply: (a) Access to the area immediately surrounding the damaged property is prohibited by civil authority as a result of the damage, and the "scheduled premises" are within that area but are not more than one mile from the damaged property; and (b) The action of civil authority is taken in response to dangerous physical conditions resulting from the damage or continuation of the Covered Cause of Loss that caused the damage, or the action is taken to enable a civil authority to have unimpeded access to the damaged property. (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if access to the "scheduled premises" had not been prohibited by action of civil authority, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or Form SP 30 19 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "civil authority period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "civil authority period of restoration"; (c) Any other consequential loss. (10)A waiting period may apply, however, no other deductible applies to this Coverage Extension. B. The following definition is added to Section G., PROPERTY DEFINITIONS: "Civil authority period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after action of civil authority for Business Income for Civil Authority Actions coverage; or (b) Immediately after the action of civil authority damage for Extra Expense coverage; and (2) Ends on the earlier of: (a) When access to your "scheduled premises" is permitted; or (b) 30 consecutive days after the order of the civil authority unless a different time period is shown in the Declarations as the Business Income for Civil Authority Actions Duration of Coverage. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "civil authority period of restoration". Form SP 30 19 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD POLLUTANTS AND CONTAMINANTS CLEAN UP AND REMOVAL This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: "Pollutants and Contaminants" Clean Up and Removal (1) We will pay your expense to extract "pollutants and contaminants" from land or water at the "scheduled premises" if the discharge, dispersal, seepage, migration, release or escape of the "pollutants and contaminants" is caused by or results from a Covered Cause of Loss that occurs during the policy period. The expenses will be paid only if they are reported to us in writing within 180 days of the date on which the Covered Cause of Loss occurs. (2) This Coverage Extension does not apply to costs to test for, monitor or assess the existence, concentration or effects of "pollutants and contaminants". But we will pay for testing which is performed in the course of extracting the "pollutants and contaminants" from the land or water. (3) Paragraph 2.1., Pollution, of Section B., EXCLUSIONS, does not apply to this Coverage Extension. (4) The most we will pay in any one occurrence under this Coverage Extension for the sum of all such expenses arising out of Covered Causes of Loss, is the Limit of Insurance shown in the Declarations for Pollutants and Contaminants Clean Up and Removal. Form SP 30 20 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD IDENTITY RECOVERY FOR BUSINESSOWNERS AND EMPLOYEES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Identity Recovery for Businessowners and Employees (1) We will provide the Case Management Service and Expense Reimbursement Coverage indicated below if all of the following requirements are met: (a) There has been an "identity theft" involving the personal identity of an "identity recovery insured" under this Coverage Part; (b) Such "identity theft" is first discovered by the "identity recovery insured" during the policy period for which this Coverage Extension is applicable; and (c) Such "identity theft" is reported to us as soon as practicable but in no event later than 60 days after it is first discovered by the "identity recovery insured." (2) If all three of the requirements listed above have been met, then we will provide the following to the "identity recovery insured": (a) Case Management Service Services of an "identity recovery case manager" as needed to respond to the "identity theft"; and (b) Expense Reimbursement Reimbursement of necessary and reasonable "identity recovery expenses" incurred as a direct result of the "identity theft." (3) Additional Exclusions Under this Coverage Extension, we will not cover loss or expense arising from any of the following: (a) Theft of a professional or business identity; (b) Any fraudulent, dishonest or criminal act by an "identity recovery insured" or any person aiding or abetting an "identity recovery insured", or by any authorized representative of an "identity recovery insured", whether acting alone or in collusion with others. However, this exclusion shall not apply to the interests of an "identity recovery insured" who has no knowledge of or involvement in such fraud, dishonesty or criminal act; (c) Loss other than "identity recovery expenses"; (d) An "identity theft" that is first discovered by the "identity recovery insured" prior to or after the policy period for which this Coverage Extension applies. This exclusion applies whether or not such "identity theft" began or continued during the period of coverage; (e) An "identity theft" that is not reported to us within 60 days after it is first discovered by the "identity recovery insured."; or (f) An "identity theft" that is not reported in writing to the police. (4) Limits of Insurance (a) The most we will pay in any one "policy year" per "identity recovery insured" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Identity Recovery Coverage for Businessowners and Employees. Regardless of the number of claims, this limit is the most we will pay for the total of all loss or expense arising out of all "identity thefts" to any one "identity recovery insured" which are first discovered by the "identity recovery insured" during a 12-month period starting with the beginning of the present annual policy period. If an "ide " in one policy period and continues into other policy periods, all loss and Form SP 30 22 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K ,a RisleMwaganadDMsfan REVIEWED & APPROVED BY.- ruEwL� 11. M44441 Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD "identity theft" will be subject to the "policy year" limit applicable to the policy period when the "identity theft" was first discovered. (i) Legal costs as provided under Paragraph d. of the definition of "identity recovery expenses" are part of, and not in addition to, the Limit of Insurance for this Coverage Extension. (ii) Lost Wages and Child and Elder Care Expenses as provided under Paragraphs e. and f. of the definition of "identity recovery expenses" are jointly subject to a sublimit of $250 per day, not to exceed $5,000 total (unless a different sublimit is displayed in the Declarations). This sublimit is part of, and not in addition to, the Limit of Insurance for this Coverage Extension. Coverage is limited to lost wages and expenses incurred within 12 months after the first discovery of the "identity theft" by the "identity recovery insured". (iii) Mental Health Counseling as provided under Paragraph g. of the definition of "identity recovery expenses" is subject the Mental Health sublimit shown in the Declarations. This sublimit is part of, and not in addition to, the Limit of Insurance for this Coverage. Coverage Extension is limited to counseling that takes place within 12 months after the first discovery of the "identity theft" by the "identity recovery insured". (b) Case Management Service is available as needed for any one "identity theft" for up to 12 consecutive months from the inception of the service. Expenses we incur to provide Case Management Service are part of, and not in addition to, the Limit of Insurance for this Coverage Extension. (5) Deductible (a) No deductible applies to the Case Management Service coverage. (b) All other coverage provided under this Coverage Extension is subject to the Deductible shown in the Declarations for this Coverage Extension. Any one "identity recovery insured" shall be responsible for only one Deductible under this Coverage Extension during any one "policy year". (6) Additional Conditions (a) Assistance and Claims (i) For assistance, the "identity recovery insured" should call the Identity Recovery Help Line at 1- 866-989-2905. The Identity Recovery Help Line can provide the "identity recovery insured" with: (aa)lnformation and advice for how to respond to a possible "identity theft"; and (bb)lnstructions for how to submit a service request for Case Management Service and/or a claim form for Expense Reimbursement Coverage. (i i) In some cases, we may provide Case Management services at our expense to an "identity recovery insured" prior to a determination that a covered "identify theft' has occurred. Our provision of such services is not an admission of liability under the Coverage Part. We reserve the right to deny further coverage or service if, after investigation, we determine that a covered "identify theft" has not occurred. (iii) As respects Expense Reimbursement Coverage, the "identity recovery insured" must send to us, within 60 days after our request, receipts, bills or other records that support his or her claim for "identity recovery expenses." (b) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (c) Non -Cumulation of Limit of Insurance Form SP 30 22 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmVmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst Form SP 30 22 10 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD Regardless of the number of years this Coverage Part remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (d) Services The following conditions apply as respects any services provided by us or our designees to any "identity recovery insured" under this endorsement: (i) Our ability to provide helpful services in the event of an "identity theft" depends on the cooperation, permission and assistance of the "identity recovery insured." (ii) All services may not be available or applicable to all individuals. For example, "identity recovery insureds" who are minors or foreign nationals may not have credit records that can be provided or monitored. Service in Canada will be different from service in United States and Puerto Rico in accordance with local conditions. (iii) We do not warrant or guarantee that our services will end or eliminate all problems associated with an "identity theft" or prevent future "identity thefts." B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Identity recovery case manager" means one or more individuals assigned by us to assist an "identity recovery insured" with communications we deem necessary for re-establishing the integrity of the personal identity of the "identity recovery insured." This includes, with the permission and cooperation of the "identity recovery insured," written and telephone communications with law enforcement authorities, governmental agencies, credit agencies and individual creditors and businesses. 2. The following definition is added: "Identity recovery expenses" means the following when they are reasonable and necessary expenses that are incurred in the United States or Canada as a direct result of an "identity theft": a. Costs for re -filing applications for loans, grants or other credit instruments that are rejected solely as a result of an "identity theft." b. Costs for notarizing affidavits or other similar documents, long distance telephone calls and postage solely as a result of your efforts to report an "identity theft" or amend or rectify records as to your true name or identity as a result of an "identity theft." c. Costs for up to twelve (12) credit reports from established credit bureaus dated within 12 months after your knowledge or discovery of an "identity theft." d. Legal Costs Fees and expenses for an attorney approved by us for: (1) Defending any civil suit brought against an "identity recovery insured" by a creditor or collection agency or entity acting on behalf of a creditor for non-payment of goods or services or default on a loan as a result of an "identity theft"; and (2) Removing any civil judgment wrongfully entered against an "identity recovery insured" as a result of the "identity theft." e. Lost Wages Actual lost wages of the "identity recovery insured" for time reasonably and necessarily taken away from work and away from the work premises. Time away from work includes partial or whole work days. Actual lost wages may include payment for vacation days, discretionary days, floating holidays and paid personal days. Actual lost wages does not include sick days or any loss arising from time taken away from self-employment. Necessary time off does not include time off to do tasks that could reasonably have been done during non- working hours. Child and Elder Care Expenses Actual costs for supervision of children or elderly or infirm relatives or dependents of the "identity recovery insured" during time reasonably and necessarily taken away from such supervision. Such care must be provided by a professional care provider who is not a relative of the "identity recov a F RA Mmaganad DMsian REVIEWED & APPROVED BY.- r Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD g. Mental Health Counseling Actual costs for counseling from a licensed mental health professional. Such care must be provided by a professional care provider who is not a relative of the "identity recovery insured". 3. The following definition is added: "Identity recovery insured" means the following: a. A full time "employee" of the entity insured under this Coverage Part; or b. The owner of the entity insured under this Coverage Part who meets any of the following criteria: (1) A sole proprietor of the insured entity; (2) A partner in the insured entity; or (3) An individual having an ownership position of 20% or more of the insured entity. An "identity recovery insured" must always be an individual person. The entity insured under this Coverage Part is not an "identity recovery insured." 4. The following definition is added: "Identity theft" means the fraudulent use of the social security number or other method of identifying an "identity recovery insured." This includes fraudulently using the personal identity of an "identity recovery insured" to establish credit accounts, secure loans, enter into contracts or commit crimes. "Identity theft" does not include the fraudulent use of a business name, d/b/a or any other method of identifying a business activity. 5. The following definition is added: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. Form SP 30 22 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ACCOUNTS RECEIVABLE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Accounts Receivable (1) You may extend the insurance that applies to Covered Property to apply to your accounts receivable while at or away from the "scheduled premises", including while in transit. Under this Coverage Extension, we will pay for: (a) All amounts due from your customers that you are unable to collect; (b) Interest charges on any loan required to offset amounts you are unable to collect pending our payment of these amounts; (c) Collection expenses in excess of your normal collection expenses that are made necessary by the physical loss or physical damage; and (d) Other reasonable expenses that you incur to reestablish your records of accounts receivable; that result from direct physical loss or direct physical damage by a Covered Cause of Loss to your records of accounts receivable. (2) Section B., EXCLUSIONS, do not apply to this Coverage Extension except for: (a) Exclusion 13.1.b., Governmental Action; (b) Exclusion 13.1.c., Nuclear Hazard; (c) Exclusion 13.1.e., War and Military Action; (d) Exclusion 13.2.g., Dishonesty; (e) Exclusion 13.2.h. False Pretense; and (f) Exclusions 13.3.a., Weather Conditions, through 13.3.c., Negligent Work. (3) Under this Coverage Extension, we will not pay for: (a) Loss or damage caused by or resulting from alteration, falsification, concealment or destruction of records of accounts receivable done to conceal the wrongful giving, taking or withholding of "money," "securities," or other property. This exclusion applies only to the extent of the wrongful giving, taking or withholding; (b) Loss or damage caused by or resulting from bookkeeping, accounting, or billing errors or omissions; or (c) Any loss or damage that requires any audit of records or any inventory computation to prove its factual existence. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Accounts Receivable. Form SP 30 23 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD NEWLY ACQUIRED OR CONSTRUCTED PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Newly Acquired or Constructed Property (1) Buildings When a Limit of Insurance shown is in the Declarations for Newly Acquired or Constructed Building, you may extend the insurance that applies to Buildings to apply to: (a) Your new buildings while being built on the "scheduled premises"; and (b) Buildings you acquire at locations other than the "scheduled premises", intended for: (i) Similar use as the Building described in the Declarations; or (ii) Use as a warehouse. The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Building. (2) Business Personal Property (a) When a Limit of Insurance shown is in the Declarations for Newly Acquired or Constructed Business Personal Property, you may extend the insurance that applies to Business Personal Property to apply to: (i) Business Personal Property, including such property that you newly acquire, at any location you acquire; (ii) Business Personal Property, including such property that you newly acquire, located at your newly acquired or constructed buildings located at the "scheduled premises"; or (iii) Business Personal Property that you newly acquire, located at the "scheduled premises". (b) This extension does not apply to: (i) Personal property that you temporarily acquire in the course of installing or performing work on such property; (ii) Personal property of others that you temporarily acquire in the course of your wholesaling activity. (c) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Business Personal Property. (3) (4) Form SP 30 24 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I Business Income (a) When a Limit of Insurance is shown in the Declarations for Newly Acquired or Constructed Business Income and Extra Expense, you may extend the insurance that applies to the Business Income and Extra Expense Coverage Extensions when such Coverage Extensions are attached to this Coverage Part to apply to newly acquired or constructed locations. (b) The most we will pay in any one occurrence under this Coverage Extension is the lesser of: (i) The actual loss of Business Income and incurred Extra Expense you sustain; or (ii) The Limit of Insurance shown in the Declarations for Newly Acquired or Constructed Business Income and Extra Expense. Insurance under this Coverage Extension for each newly acquired or constructed property will end when any of the following first occurs: (a) This Coverage Part expires; (b) 180 days after you acquire or begin construction of that part of the buildinq that would qualify as Covered Property, or a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (c) You report values to us. We will charge you additional premium for values reported from the date you acquire the property or begin construction of that part of the building that would qualify as Covered Property. Form SP 30 24 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&'Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OUTDOOR PROPERTY This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Outdoor Property (1) You may extend the insurance provided by this Coverage Part to apply to your outdoor fences, signs (other than signs attached to buildings), radio and television antennas (including satellite dishes), trees, shrubs and plants (other than trees, shrubs or plants which are part of a vegetated roof), including debris removal expense. Loss or damage must be caused by or result from any of the following causes of loss: (a) Fire; (b) Lightning; (c) Windstorm; (d) Ice, Snow, Sleet or Hail; (e) Explosion; (f) Riot or Civil Commotion; or (g) Aircraft. (2) Exclusion 13.2.i., Exposed Property, does not apply to this Coverage Extension. (3) The most we will pay in any one occurrence, including debris removal expense, under this Coverage Extension is the Limit of Insurance shown in the Declarations for Outdoor Property. Form SP 30 25 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PROPERTY OFF -PREMISES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Property Off -Premises (1) You may extend the insurance that applies to Covered Property, other than "money" and "securities", "valuable papers and records" or accounts receivable, to apply to such property in your care, custody or control while it is in the course of transit or at a premises you do not own, lease or operate. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Property Off -Premises. Form SP 30 26 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD WATER DAMAGE, OTHER LIQUID, POWDER OR MOLTEN MATERIAL DAMAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Water Damage, Other Liquid, Powder or Molten Material Damage (1) If direct physical loss or direct physical damage caused by or resulting from covered water or other liquid, powder or molten material damage loss occurs, we will also pay the cost to tear out and replace any part of the building or structure to repair damage to the system or appliance from which the water or other substance escapes. (2) We will not pay the cost to repair any defect that caused the direct physical loss or direct physical damage except as provided in the Equipment Breakdown Additional Coverage if such Additional Coverage is attached to this Coverage Part. But we will pay the cost to repair or replace damaged parts of fire extinguishing equipment if the damage: (a) Results in discharge of any substance from an automatic fire protection system; or (b) Is directly caused by freezing. Form SP 30 27 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD MONEY AND SECURITIES COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Money and Securities (1) We will pay for loss of "money" and "securities" used in your business while at: a bank or savings institution, within your living quarters or the living quarters of your partners or any "employee" having use and custody of the property, at the "scheduled premises", or in transit between any of these places, resulting directly from: (a) Theft; (b) Disappearance; or (c) Destruction. (2) In addition to the Limitations and Exclusions applicable to this Coverage Part, we will not pay for loss: (a) Resulting from accounting or arithmetical errors or omissions; (b) Due to the giving or surrendering of property in any exchange or purchase; or (c) Loss or damage to "money" and "securities" following and directly related to the use of any "computer" to fraudulently cause a transfer of that property. (3) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (4) You must keep records of all "money" and "securities" so we can verify the amount of any loss or damage. (5) Additional Conditions: (a) Discovery Period for Loss We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this Coverage Part has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this Coverage Part. (b) Non -Cumulation of Limit of Insurance Regardless of the number of years this Coverage Part remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (6) The most we will pay for loss in any one occurrence under this Coverage Extension is: (a) The limit shown in the Declarations for Inside the Premises for "money" and "securities" while: (i) In or on the "scheduled premises"; or (ii) Within a bank or savings institution; and (b) The limit shown in the Declarations for Outside the Premises for "money" and "securities" while anywhere else. Form SP 30 28 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst Form SP 30 29 10 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD ELECTRONIC DATA This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Electronic Data (1) We will pay for the cost to replace or restore your "electronic data" or "electronic data" of others which is in your care, custody or control which has been destroyed or corrupted, or access to such "electronic data" has been prevented, by a: (a) Covered Cause of Loss; or (b) "Computer" virus, malware, harmful code or similar instruction introduced into or enacted on a "computer" system (including "electronic data") or a network to which it is connected, designed to damage or destroy any part of the system or disrupt its normal operation. (2) Valuation (a) Loss or damage to "electronic data" will be valued at the actual, reasonable and necessary costs you incur to restore or replace the "electronic data". But we will not pay the cost or expenses you incur to: (i) Identify or remediate any errors or vulnerabilities or to update, restore, replace, upgrade, maintain or improve any "computer" or computer system; (ii) Update, replace, restore or improve any "electronic data" to a level beyond the condition in which it existed immediately preceding the loss or damage; or (iii) Duplicate research that led to the development of your "electronic data" or any proprietary or confidential information or intellectual property in any form. (b) To the extent that "electronic data" is not replaced or restored, the loss will be valued at the cost of replacement of the media on which the "electronic data" was stored, with blank media of substantially identical type. (c) If you recover from a licenser, lessor or any other party for loss or damage to "electronic data", our loss payment to you will be reduced by the amount of such recovery. (3) Paragraph 1 J., Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)", of Section B., EXCLUSIONS, does not apply to the coverage provided in Paragraph (1)(b) of this Coverage Extension. (4) We will not pay for: (a) Loss or damage caused by or resulting from manipulation of a "computer" system (including "electronic data") by any "employee", including a temporary or leased "employee", or by an entity retained by you, or for you, to inspect, design, install, modify, maintain, repair or replace that system; (b) Loss or damage caused by theft, observation, publication, unauthorized access to or loss of confidentially of your "electronic data" or "electronic data" of others in your care, custody or control. (5) This Coverage Extension does not apply to your "stock" of prepackaged software, or to "electronic data" which is integrated in and operates or controls a building's elevator, lighting, heating, ventilation, air conditioning or security system. (6) The most we will pay for all occurrences in any one "policy year" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Electronic Data. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that "policy year". With respect to an occurrence which begins in one "policy year" and continues or results in additional loss a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD "policy year(s)", all loss or damage is deemed to be sustained in the "policy year" in which the occurrence began. B. The following definition is added to Section G., PROPERTY DEFINITIONS: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. Form SP 30 29 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD INTERRUPTION OF COMPUTER OPERATIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Interruption Of Computer Operations (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "computer operations period of restoration" due to a suspension of your "computer operations" caused by destruction or corruption of, or inability to access, retrieve, or process your "electronic data" or "electronic data" of others in your care, custody or control due to a: (a) Covered Cause of Loss; or (b) "Computer" virus, malware, harmful code or similar instruction introduced into or enacted on your "computer" system (including "electronic data") or connected network, or a "computer" system or connected network of others in your care, custody or control, designed to damage or destroy such systems or disrupt their normal operation. (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if "computer operations" had not been interrupted, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the interruption of business and to continue "computer operations"; or (b) To minimize the interruption of business if you cannot continue "computer" operations"; or to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your "computer operations". (7) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "computer operations period of restoration", once "computer operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. Form SP 30 30 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (8) You must resume all or part of your "computer operations" as quickly as possible. We will reduce the amount of your Business Income loss, other than Extra Expense, to the extent you can resume "computer operations", in whole, or in part, by using any other available means to continue your "computer operations". (9) We will not pay for any loss of Business Income or incurred Extra Expense related to: (a) An interruption related to manipulation of a "computer" system (including "electronic data") by any "employee", including a temporary or leased "employee", or by an entity retained by you, or for you, to inspect, design, install, modify, maintain, repair or replace that system. (b) Theft, observation, publication, unauthorized access to or loss of confidentially of your "electronic data" or "electronic data" of others in your care, custody or control. (c) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the interruption of "computer operations", we will cover such loss that affects your Business Income during the "computer operations period of restoration". (d) Any other consequential loss. (10)Paragraph 1.j., Electronic Vandalism or Corruption of "Electronic Data" or Corruption of "Computer(s)", of Section B., EXCLUSIONS, does not apply to the coverage provided in Paragraph (1)(b) of this Coverage Extension. (11)This Coverage Extension does not apply when the suspension of your "computer operations" involves only "electronic data" which is integrated in and operates or controls a building's elevator, lighting, heating, ventilation, air conditioning or security system. (12)A waiting period may apply; however, no other deductible applies to this Coverage Extension. (13)The most we will pay for all occurrences in any one "policy year" under this Coverage Extension is the Limit of Insurance shown in the Declarations for Interruption Of Computer Operations. If loss payment on the first occurrence does not exhaust this amount, then the balance is available for subsequent loss or damage sustained in, but not after, that "policy year". With respect to an occurrence which begins in one "policy year" and continues or results in additional loss or damage in a subsequent "policy year(s)", all loss or damage is deemed to be sustained in the "policy year" in which the occurrence began. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Computer operations" means the use of your "computer" or "computers" or others in your care, custody or control that enables you to conduct your business activities whether such "computer" is located at or away from the "scheduled premises". 2. The following definition is added: "Computer operations period of restoration" means: a. The period of time that: (1) Begins: (a) The number of hours stated in the Declarations after the destruction or corruption of "electronic data" for Business Income Coverage; or (b) Immediately upon (or after) the destruction or corruption of "electronic data" for Extra Expense Coverage; and; (2) Ends on the earlier of: (a) The date when the "electronic data" should be replaced or restored with reasonable speed and similar quality; or (b) The exhaustion of the number of consecutive months as shown in the Declarations. The expiration date of this Policy will not cut short the "computer operations period of Form SP 30 30 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its _ F RiskMwaganadDMsian REVIEWED & APPROVED BY. - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following definition is added: "Policy year" means the period of time that: a. Begins with the inception or anniversary date of this Coverage Part; and b. Ends at the expiration or at the next anniversary date of this Coverage Part. Form SP 30 30 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BRANDS AND LABELS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Brands and Labels If, in the event of covered physical loss or physical damage to "stock" that is branded or labeled, and we elect to take all or any part of the physically damaged property at an agreed or appraised value, you may extend the insurance that applies to Covered Property to apply to: (1) Expenses you incur to: (a) Label or stamp salvage on the damaged "stock" or its containers, if doing so will not physically damage the property; or (b) Remove the brands or labels, if doing so will not physically damage the "stock". You must relabel the "stock" or its containers to comply with the law. (2) Any reduction in the salvage value of the physically damaged merchandise as a result of the removal of the brand or label. Form SP 30 31 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CLAIM EXPENSE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Claim Expense (1) In the event of covered physical loss or physical damage we will pay to cover reasonable expenses incurred by you at our specific request to assist us in: (a) The investigation of a claim or suit; or (b) The determination of the amount of loss, such as taking inventory, or auditing business records. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Claim Expense. Form SP 30 32 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD PAIRS OR SETS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Pairs or Sets (1) We will pay for consequential loss to your undamaged "stock" which is part of a pair or set that has become unmarketable as a complete product because of covered physical loss or physical damage. (2) Under this Additional Coverage, we will pay for the reduction in value of the pair or set before and after the covered loss or damage. Form SP 30 33 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE —A HARTFORD SALESPERSONS SAMPLES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Salespersons Samples (1) You may extend the insurance that applies to Covered Property to apply to: (a) Samples of your "stock" in trade (including containers); and (b) Similar property of others; but only while such property is in your custody while acting as a sales representative or the custody of your sales representatives or agents. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Salespersons Samples. Form SP 30 34 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD VALUATION CHANGES: COMMODITY, FINISHED, AND MERCANTILE STOCK This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Paragraph 5.d. of Section E., PROPERTY LOSS CONDITIONS, of the Special Property Coverage Form: 1. The following is added: Commodity "Stock" We will determine the value of merchandise and raw materials that are bought and sold at an established market exchange. We will determine the value at: (a) The posted market price as of the time and place of loss; and (b) Less discounts and expenses you otherwise would have had. 2. The following is added: Finished "Stock" We will determine the value of goods that you have manufactured at the selling price less discounts and expenses you otherwise would have had. 3. The following is added: Mercantile "Stock" - Sold We will determine the value of goods you have sold but not delivered at the selling price less discounts and expenses you otherwise would have had. Form SP 30 35 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LOST KEYS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Lost Keys We will pay, in any one occurrence, up to the Limit of Insurance shown in the Declarations for Lost Keys to cover the loss of your keys used to secure the "scheduled premises" due to theft or the loss of your customer's keys that were in your care, custody or control,. We will not pay more than the cost of the least of the following: (1) Re -key the locks; (2) Install new lock cylinders; (3) Provide new master keys; or (4) Replace existing locks with new locks of like kind and quality. Form SP 30 36 03 20 © 2020, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RAMwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CONTRACT PENALTIES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Contract Penalties (1) We will pay to cover contract penalties you are assessed due to your failure to complete a project within the time required as stipulated by contract if the failure to complete the project was caused by or resulted from a Covered Cause of Loss to Covered Property. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Contract Penalties. Form SP 30 37 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXPEDITING EXPENSES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Expediting Expenses (1) You may extend the insurance that applies to the Extra Expense Coverage Extension to apply to necessary "expediting expenses" you incur during the "period of restoration" that you would not have incurred if there had been no direct physical loss or direct physical damage to property at the "scheduled premises", including personal property in the open (or in a vehicle) within 1,000 feet of the "scheduled premises", caused by or resulting from a Covered Cause of Loss. (2) The most we will pay in any one occurrence for loss under this Coverage Extension is the Limit of Insurance shown in the Declarations for Expediting Expenses. B. The following definition is added to Section G., PROPERTY DEFINITIONS, of the Special Property Coverage Form: "Expediting expense" means the following reasonable and necessary additional expenses: a. Overtime wages; b. Extra cost of express or rapid means of transportation; c. Costs to make temporary repairs; d. Costs to expedite permanent repair or replacement of damaged Coverd Property; and e. Additional costs to provide training on replacement equipment that you incur in order to meet any delivery date that was scheduled immediately prior to the physical loss or physical damage to property at the "scheduled premises". Form SP 30 38 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD NON -OWNED DETACHED TRAILERS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Non -owned Detached Trailers (1) We will pay for direct physical loss or direct physical damage caused by or resulting from a Covered Cause of Loss to trailers that you do not own, provided that the trailer: (a) Is used in your business; (b) Is in your care, custody or control at the "scheduled premises"; and (c) You have a contractual responsibility to pay for loss or damage to the trailer. (2) We will not pay for any loss or damage that occurs: (a) While the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle or motorized conveyance is in motion; or (b) During hitching or unhitching operations, or when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. (3) Paragraph d. within Paragraph A.2., Property Not Covered, does not apply to this Coverage Extension. (4) This insurance is excess over the amount due (whether you can collect on it or not) from any other insurance covering such property. (5) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Non -Owned Detached Trailers. Form SP 30 39 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FOR OFF -PREMISES UTILITY SERVICES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Business Income For Off -Premises Utility Services (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises utility services period of restoration" due to the necessary suspension of your "operations" caused by the interruption of service to the "scheduled premises". The interruption must result from direct physical loss or direct physical damage by a Covered Cause of Loss to the following property not on the "scheduled premises": (a) "Communication supply services"; (b) "Power supply services"; (c) "Wastewater removal services" (other than an interruption in service caused by or resulting from a discharge of water or sewage due to heavy rainfall or flooding); or (d) "Water supply services". However, coverage under this Coverage Extension does not apply to loss of Business Income or incurred Extra Expense related to interruption in utility service which causes loss or damage to "electronic data", including destruction or corruption of "electronic data". (2) With respect to the requirements set forth in the preceding paragraph, if you occupy only part of the site at which the "scheduled premises" are located, your "scheduled premises" also means: (a) The portion of the building which you rent, lease or occupy; and (b) The area within 1,000 feet of the building or within 1,000 feet of the "scheduled premises", whichever distance is greater (with respect to loss of or damage to personal property in the open or personal property in a vehicle); and (c) Any area within the building or on the site at which the "scheduled premises" are located, but only if that area services, or is used to gain access to, the "scheduled premises". (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if service to the "scheduled premises" had not been interrupted by direct physical damage or direct physical loss, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (i) At the "scheduled premises"; or (ii) At replacement premises or at temporary locations, including: (aa) Relocation expenses; and Form SP 30 40 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (bb) Cost to equip and operate the replacement or temporary location, other than those costs necessary to repair or to replace damaged stock and equipment. (b) To minimize the suspension of business if you cannot continue "operations". (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension or the Business Income Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "off -premises utility services period of restoration", once business operations are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "period of restoration". (c) Any other consequential loss. (10)Exclusion 13.1.d., Utility Services does not apply to this Coverage Extension. (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the limit shown in the Declarations for Business Income For Off -Premises Utility Services. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Off -premises utility services period of restoration": a. Means the period of time that begins: (1) The number of hours stated in the Declarations after direct physical loss of or direct physical damage to off -premises utility services for Business Income for Off -Premises Utility Services coverage; or (2) Immediately after the time of direct physical loss or direct physical damage to off -premises utility services for Extra Expense coverage; and ends on the date when service to the "scheduled premises" should be restored with reasonable speed and similar quality. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants and contaminants". The expiration date of this Policy will not cut short the "off -premises utility services period of restoration". Form SP 30 40 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmVmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EMPLOYEE DISHONESTY COVERAGE - EXCLUDES ERISA COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extension, of the Special Property Coverage Form: Employee Dishonesty Coverage - Excludes Coverage For The Employee Retirement Income Security Act (ERISA) (1) We will pay for loss of, and loss from damage to, Covered Property resulting directly from the Covered Causes of Loss. Covered Property, as used in this Coverage Extension, means "money", "securities", and other tangible property of intrinsic value which is not otherwise excluded. Covered Causes of Loss, as used in this Coverage Extension, means dishonest acts committed by an "employee", except you, whether identified or not, acting alone or in collusion with other persons, with the manifest intent to: (a) Cause you to sustain loss; and also (b) Obtain financial benefit (other than salaries, commissions, fees, bonuses, promotions, awards, profit sharing or pensions or other "employee" benefits earned in the normal course of employment) for: (i) That "employee"; or (ii) Any person or organization intended by the "employee" to receive that benefit. (2) Additional Coverages (a) We will pay for loss of Covered Property arising out of a Covered Cause of Loss caused by any "employee" while temporarily outside the Coverage Territory for a period of not more than 90 days. (b) We will pay for any loss of Covered Property arising out of a Covered Cause of Loss caused by your "employee" while at the premises of your client or customer. Any claim for loss sustained by any client or customer and covered by this policy may only be made by you in your Proof of Loss. No third party has a direct right against this insurance and no third party may make a direct claim against us as the writer of your insurance. (3) Limitation A.4.c., of the Special Property Coverage Form does not apply to coverage provided by this endorsement. (4) Additional Exclusions (a) We will not pay for loss of funds and other property of any Employee Welfare Benefit Plan or an Employee Benefit Pension Plan that is subject to the bond requirements of Section 412 of ERISA. (b) We will not pay for loss caused by any "employee" of yours, or predecessor in interest of yours, for whom similar prior insurance has been terminated and not reinstated since the last such termination. (c) We will not pay for direct or indirect loss resulting from contractual or extra -contractual liability sustained by you in connection with the issuance of contracts or purported contracts of insurance, indemnity or suretyship. (d) We will not pay loss, or that part of any loss, if the proof of its existence or amount is dependent upon: (i) An inventory computation; or (ii) A profit and loss computation. (e) We will pay only for loss caused by any partner or "member" of a limited excess of the sum of: Form SP 30 42 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its a F Risk Manage meet Division REVIEWED & APPROVED BY.- - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (i) Any amounts you owe that partner or "member"; and (ii) The value of that partner's or "member's" ownership interest as determined by the closing of your organization's books on the date of discovery of the loss by anyone in your organization not involved in the "employee" dishonesty; and (iii) Any applicable deductible amount. (f) We will not pay for loss resulting directly or indirectly from trading, whether in your name or in a genuine or fictitious account. (5) Additional Conditions (a) This insurance is terminated as to any "employee": (i) Immediately upon discovery by you, or any of your partners, officers or directors not in collusion with the "employee", of any dishonest act committed by that "employee" whether before or after becoming employed by you; or (ii) On the date specified in a notice mailed to you. That date will be at least 30 days after the date of mailing. The mailing of notice to you at the last mailing address known to us will be sufficient proof of notice. Delivery of notice is the same as mailing. (b) As used in this Coverage Extension, occurrence means all loss caused by, or involving, one or more "employees", whether the result of a single act or series of acts. (c) We will pay only for covered loss discovered no later than one year from the end of the policy period. Discovery of loss occurs when you first become aware of facts which would cause a reasonable person to assume that a loss covered by this policy has been, or may be incurred even though the exact amount or the details of the loss may not then be known. Discovery also occurs when you receive notice of an actual or potential claim against you alleging facts, which if true, would be a covered loss under this policy. (d) Regardless of the number of years this insurance remains in force or the number of premiums paid, no Limit of Insurance cumulates from year to year or period to period. (e) If any loss is covered under this Policy and under any prior cancelled or terminated insurance that we or any affiliate had issued to you, we will not pay more than the highest single Limit of Insurance. (f) The property covered under this insurance is limited to property: (i) That you own or hold; or (ii) For which you are legally liable. However, this insurance is for your benefit only. It provides not rights or benefits to any other person or organization. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Employee Dishonesty Coverage - Excludes ERISA Compliance. The Additional Coverages listed in (2)(a) and (2)(b) above are included in this Limit of Insurance. Form SP 30 42 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD THEFT DAMAGE TO BUILDING This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Theft Damage to Building (1) This Additional Coverage applies only to premises where you are a tenant and are responsible in the lease for physical loss or physical damage to the building you lease, rent, or occupy that is caused by or results from "theft", burglary or robbery. (2) We will pay for direct physical loss or direct physical damage directly resulting from "theft", burglary or robbery (except loss by fire or explosion) to a building: (a) You occupy, including personal property that is used to maintain or service the building; or (b) Containing covered personal property but only if you are legally liable for such physical loss or physical damage to the building. But we will not pay for such physical loss of or physical damage to property that is away from the "scheduled premises". Form SP 30 44 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM OFF -PREMISES OPERATIONS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income From Off -Premises Operations (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "off -premises period of restoration" due to the necessary suspension of your "off -premises operations". The suspension must be caused by direct physical loss of or direct physical damage to Covered Property caused by or resulting from a Covered Cause of Loss. Such Covered Property must be in your care, custody, or control and more than 1,000 feet away from the "scheduled premises" (including while in transit) but located within the Coverage Territory. However, this Coverage Extension does not apply to: (a) Any loss or damage to Covered Property located at a newly acquired or constructed location; or (b) At any location you own or lease which is not a "scheduled premises". (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "off -premises operations"; (b) To minimize the suspension of business if you cannot continue "off -premises operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (6) Coverage Extension for Extended Business Income. Form SP 30 45 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD B. If the necessary suspension of your "off -premises operations" produces a Business Income loss payable under Paragraph (1) above, we will pay for the actual loss of Business Income you incur during the period that: (a) Begins on the date property, other than finished stock, is actually repaired, rebuilt or replaced and "off -premises operations" are resumed; and (b) Ends on the earlier of: (i) The date you could restore your "off -premises operations" with reasonable speed, to the condition that would have existed if no direct physical loss or direct physical damage occurred; or (ii) 45 consecutive days after the date determined in Paragraph (1)(a) above, unless a different time period is shown in the Declarations for Extended Business Income. However, Extended Business Income does not apply to loss of Business Income incurred as a result of unfavorable business conditions caused by the impact of the Covered Cause of Loss in the area where the "scheduled premises" is located. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "off -premises period of restoration", once "off -premises operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any Extra Expense or increase of Business Income loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "off -premises operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "off -premises operations', we will cover such loss that affects your Business Income during the "period of restoration". (c) Any other consequential loss. (10)Under this Coverage Extension, coverage for Business Income and Extra Expense does not apply when the suspension of "off -premises operations" is caused by destruction or corruption of "electronic data", or any loss or damage to "electronic data". (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence for all Business Income, Extended Business Income and Extra Expense under this Coverage Extension is the limit shown in the Declarations for Business Income From Off -Premises Operations. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Off -premises operations" means your business activities occurring more than 1,000 feet away from the "scheduled premises" but within the coverage territory. 2. The following definition is added: "Off -premises period of restoration" means: a. The period of time that: (1) Begins: (a) The number of hours stated in the Declarations after direct physical loss of or direct physical damage for Business Income from Off -Premises Operations coverage; or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; caused by or resulting from a Covered Cause of Loss, and Form SP 30 45 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (2) Ends on the date when the Covered Property should be repaired, rebuilt or replaced with reasonable speed and similar quality. b. "Off -premises period of restoration" does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of "pollutants and contaminants". The expiration date of this policy will not cut short the 'off -premises period of restoration". Form SP 30 45 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FRAUDULENT TRANSFER COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Fraudulent Transfer Coverage (1) We will pay for loss of or damage to your "money", "securities" and "other property" following and directly related to the use of any electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction to fraudulently cause a transfer of that property from the "scheduled premises", bank or savings institution to a person (other than a "messenger") or place outside those premises. (2) We will pay for loss of your "money" and "securities" resulting directly from a "fraudulent instruction" directing a financial institution to transfer, pay or deliver "money" and "securities" from your "transfer account". (3) All loss: (a) Caused by one or more persons; or (b) Involving a single act or series of related acts; is considered one occurrence. (4) Limitation A.4.a.(2) and Exclusions 13.1.j.(3) and 13.2.h. do not apply to this Coverage Extension. (5) Under this Coverage Extension, we will not pay for: (a) Loss or damage caused by or resulting from the use or purported use of credit, debit, charge, access, convenience, identification, stored -value or other cards or the information contained on such cards. (b) Loss, or that part of any loss, for which the proof of its existence or amount is dependent upon: (i) An inventory computation; or (ii) A profit or loss computation. (6) The most we will pay for loss in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Fraudulent Transfer Coverage. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Fraudulent instruction" means: a. An electronic, telegraphic, cable, teletype, telefacsimile or telephone instruction which purports to have been transmitted by you, but which was in fact fraudulently transmitted by someone else without your knowledge or consent; b. A written instruction issued by you, which was forged or altered by someone other than you without your knowledge or consent or which purports to have been issued by you, but was in fact fraudulently issued without your knowledge or consent; or c. An electronic, telegraphic, cable, teletype, telefacsimile, telephone or written instruction initially received by you which purports to have been transmitted by an employee but which was in fact fraudulently transmitted by someone else without your or the employee's knowledge or consent. 2. The following definition is added: "Other property" means any tangible Covered Property other than "money" and "securities" that has intrinsic value. Form SP 30 46 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. The following definition is added: "Transfer account" means an account maintained by you at a financial institution from which you can initiate the transfer, payment or delivery of "money" and "securities": a. By means of electronic, telegraphic, cable, teletype, telefacsimile or telephone instructions communicated directly through an electronic funds transfer system; or b. By means of written instructions establishing the conditions under which such transfers are to be initiated by such financial institution through an electronic funds system. Form SP 30 46 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUSINESS INCOME FROM WEBSITES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Business Income from Websites (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "website interruption period of restoration" due to the necessary suspension of your "operations" caused by or resulting from direct physical loss or direct physical damage to property at the premises of a vendor that provides you with "on-line access" services. Such direct physical loss or direct physical damage must be caused by or result from a Covered Cause of Loss. (2) This Coverage Extension applies only if you regularly back-up software, data, or other information in electronic form at a location other than the site of the website vendor. (3) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (4) Payroll expenses include: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (5) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations"; (b) To minimize the suspension of business if you cannot continue "operations"; or to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "website interruption period of restoration", once your "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: Form SP 30 47 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "website interruption period of restoration". (c) Any other consequential loss. (10)Under this Coverage Extension, coverage for Business Income and Extra Expense does not apply when the suspension of "operations" is caused solely by the destruction or corruption of "electronic data", or any loss or damage to "electronic data". (11)A waiting period may apply, however, no other deductible applies to this Coverage Extension. (12)The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Business Income From Websites. B. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "On-line access" means: a. Accessing information made available by third parties; or b. Making information available to third parties via "computer" or other electronic systems. 2. The following definition is added: "Website interruption period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage for Business Income from Websites coverage, or (b) Immediately after the time of direct physical loss or direct physical damage for Extra Expense coverage; and (2) Ends on the earlier of: (a) The date when the property at the premises of the vendor that provides you with "on-line access" services should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) The date when your "operations" are resumed through a new vendor which provides "on-line access"; or (c) Exhaustion of the number of days as shown in the Declarations as the Business Income from Websites Period of Restoration. The expiration date of this Coverage Part will not cut short the "website interruption period of restoration". Form SP 30 47 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRANSIT COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Transit Coverage (1) The insurance that applies to your Business Personal Property and Personal Property of Others is extended to apply to shipments of that property in the care of a carrier for hire while in transit at your risk, by motor vehicle, railroad car or aircraft between points within the Coverage Territory. This includes property you have sold and for which your responsibility continues until it is delivered. (2) This Coverage Extension also applies to: (a) Expenses to Inspect, Repackage and Reship Damaged Shipments The necessary additional expenses you incur to inspect, repackage and reship Covered Property which is physically damaged as a direct result of a Covered Cause of Loss. (b) Expenses to Protect Covered Property from Spoilage or Change in Temperature The necessary additional expense you incur to temporarily store Covered Property in a temperature controlled environment in order to avoid or minimize physical loss or physical damage to such property from spoilage or change in temperature. Such temporary storage must be made necessary by the sudden and accidental breakdown of heating or refrigeration unit(s) on transporting conveyances. This additional expense will not include: (i) Expenses to repair or replace heating or refrigeration unit(s); (ii) Costs or penalties due to detention or delay of any vehicles, trailers, conveyances or containers; or (iii) Costs for additional wages, room, board or meals. (c) F.O.B. Shipments Outgoing shipments where the risk of physical loss or physical damage is transferred to the buyer when such property leaves your premises. You must use all reasonable means to collect the amount due to you from the buyer before making a claim under this Transit Coverage. We will not make payment until you grant us the right of recovery against the buyer. (d) Loading and Unloading Shipments during loading or unloading and within 500 feet of any transporting conveyance. (e) Return Shipments Outgoing shipments which have been rejected by the consignee or are not deliverable, while: (i) In due course of transit, being returned to you; or (ii) Up to 10 days after delivery or attempted delivery awaiting return shipment to you. Payment under Paragraphs (a), (b), (c), (d) and (e) above will not increase the Transit Coverage Limit of Insurance. (3) Limitation A.4.c.(3) which limits coverage for patterns, dies, molds and forms does not apply to this Coverage Extension. (4) Exclusions (a) Exclusions 13.1.a., Earth Movement, and 13.1.f., Water, do not apply Form SP 30 48 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its �oRaN RiskManaganadDMsfan REVIEWED & APPROVED BY.- r f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) Exclusions 113.2.g., Dishonesty, and 113.2.i., Exposed Property, do not apply to property in the custody of a carrier for hire. (c) Exclusion 113.2.1h., False Pretense, does not apply to loss or damage caused by your good faith acceptance of false bills of lading or shipping receipts. (d) We will not pay for physical loss or physical damage caused by or resulting from poor or insufficient packaging or packing. (e) We will not pay for: (i) Property in care, custody or control of you, your salespersons, or your "employees"; (ii) Mail shipments in the custody of the U.S. Postal Service; (iii) Property of Others for which you are responsible as a: (aa) Carrier for hire; or (bb) Carloader, consolidator, broker, freight forwarder, shipping association, or other arranger of transportation; or (iv) Property in or on a motor vehicle you own, lease or operate. (f) We will not pay for physical loss or physical damage, if you impair our rights to recover damages from any carrier for hire. But you may accept from carriers for hire bills of lading, receipts or contracts of transportation which contain a limitation of value. (5) With respect to payments under this Coverage Extension only, the following is added to Paragraph 5.d. within Section E., PROPERTY LOSS CONDITIONS: Valuation of Property in Transit (a) Property You Own (i) The value of Covered Property will be the amount of invoice plus accrued charges, prepaid charges and charges since shipment; or (ii) In the absence of an invoice, the value of Covered Property will be its actual cash value, with proper deduction for depreciation, at the point of destination on the date of expected arrival. (b) Property of Others The most we will pay for Covered Property owned by others is the lesser of: (i) Your legal liability for direct physical loss or physical damage to such property; or (ii) What we would pay if you had owned the property. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Transit Coverage. Form SP 30 48 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SUMP OVERFLOW AND SUMP PUMP FAILURE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Sump Overflow and Sump Pump Failure (1) You may extend the insurance that applies to Covered Property and Business Income and Extra Expense (if the Business Income and Extra Expense Coverage Extensions are included in this Coverage Part), to apply to direct physical loss or direct physical damage to Covered Property that is caused by or resulting from water that overflows due to the failure of a sump pump, sump pump well, or any other type of system designed to remove subsurface water from the foundation area if the failure is directly or indirectly the result of a Covered Cause of Loss. Failure means an abrupt cessation of normal functioning. THIS IS NOT FLOOD INSURANCE We will not pay for water or other materials that overflow from a sump when the overflow is caused by any flood. This applies regardless of the proximity of the flood to Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (2) Paragraph B.1.d., Utility Services, and Paragraph B.1.f.(3) within the Water exclusion do not apply to this Coverage Extension. (3) The most we will pay in any one occurrence under this Coverage Extension, including any payments for lost Business Income or incurred Extra Expense, is the Limit of Insurance shown in the Declarations for Sump Overflow and Sump Pump Failure. Form SP 30 49 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OFF -PREMISES UTILITY SERVICES - DIRECT DAMAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Off -Premises Utility Services — Direct Damage (1) We will pay for direct physical loss of or direct physical damage to Covered Property caused by the interruption of utility service to the "scheduled premises". The interruption must result from direct physical loss or direct physical damage by a Covered Cause of Loss to the following property not on the "scheduled premises": (a) "Communication supply services"; (b) "Power supply services"; (c) "Wastewater removal services" (other than an interruption in service caused by or resulting from a discharge of water or sewage due to heavy rainfall or flooding); or (d) "Water supply services". (2) Exclusion 13.1.d., Utility Services does not apply to this Additional Coverage. (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Off -Premises Utility Services — Direct Damage. Form SP 30 50 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SPOILAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Spoilage (1) We will pay for physical loss or physical damage to your "perishable goods" at or within 1,000 feet of the "scheduled premises" caused by or resulting from: (a) A change in temperature or humidity resulting from: (i) "Mechanical breakdown accident' or failure of: (aa) Stationary heating plants; or (bb) Refrigerating , cooling or humidity control apparatus or equipment; But only while such plants, equipment or apparatus are at the "scheduled premises". (ii) Complete or partial failure of electric power, either on or away from your "scheduled premises". Such failure of power must be due to conditions beyond your control; (iii) Artificially generated electrical, magnetic or electromagnetic energy, including electric arcing, that damages, disturbs or otherwise interferes with any electrical or electronic wire, device, appliance or network; or (b) Contamination by a refrigerant. (2) We will not pay for loss of or damage to perishable "stock" located: (a) On buildings; (b) In the open; or (c) In any vehicle, other than trailers or refrigerated vehicles used for storage located within 1,000 feet of the "scheduled premises". (3) Coverage Extension — Business Income and Extra Expense (a) You may extend the insurance that applies to the Business Income and Extra Expense Coverage Extensions, when such Coverage Extensions are attached to this Coverage Part, to apply to the actual loss of Business Income you sustain and necessary Extra Expense you incur due to the necessary suspension of your "operations" during the "period of restoration". The suspension must be caused by or resulting from covered physical loss of or physical damage to "perishable goods" as described in this Coverage Extension. (b) With respect to this Coverage Extension only, Paragraph 10.a.(1)(a) within the definition of "period of restoration" is deleted and replaced with the following: The number of hours shown as the Spoilage Waiting Period in the Declarations after the time of physical loss or physical damage for Business Income Coverage; or (c) No other deductible applies to this Coverage Extension. (d) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Spoilage Business Income Limit. (4) None of the exclusions under Section B., EXCLUSIONS, apply to this Coverage Extension except the following: (a) Exclusion B.1.a., Earth Movement; (b) Exclusion B.1.b., Governmental Action; (c) Exclusion B.1.c., Nuclear Hazard; Form SP 30 51 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD B. Form SP 30 51 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I (d) Exclusion 13.1.e., War and Military Action; and (e) Paragraph 13.1 J., Water. (5) Additional Exclusions We will not pay for loss or damage caused by or resulting from: (a) The disconnecting of any of the following systems from the source of power: (i) Refrigerating; (ii) Cooling; or (iii) Humidity control. (b) The loss of electrical power caused by the shutting off of any switch or other device used to control the flow of electric power or current. (c) The inability of an electrical utility company, your stationary heating plant or any other power source to provide sufficient heat or power due to: (i) Lack of fuel; (ii) Lack of capacity to make enough heat or power; or (iii) Order of the government. (d) Breaking of any glass that is a permanent part of a refrigerating, cooling or humidity control unit. (6) Additional Conditions (a) We will pay for physical loss or physical damage under this Coverage Extension only when such physical loss or physical damage is not covered elsewhere in this Coverage Part or Policy or any other policy that insures "perishable goods" at the "scheduled premises". (b) In the event of physical loss or physical damage, none of the other coverages under this Coverage Part or Policy or any other policy will share in its payment unless the provisions of the Coverage Part or policy are similar to the provisions of this Coverage Extension. (c) We will not make payment for "perishable goods" that were beyond their expiration date at the time of loss. (d) If an item of "perishable goods" consists of multiple doses or other measurable units, we will only pay your costs to replace the number doses or measurable units that were lost or damaged. (7) Valuation (a) With respect to this Coverage Extension only, Paragraph E.5.d. within the Loss Payment Condition does not apply to physical loss or physical damage to "perishable goods". (b) "Perishable goods" will be valued at Replacement Cost. (c) As it pertains to coverage under this Coverage Extension, Replacement Cost means the reasonable cost that you incur to replace such property. For "perishable goods" that are no longer available at the time of loss (such as seasonal fruits, vegetables, or vaccinations), you may make claim for the costs you incurred to purchase them. (8) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Spoilage. The following changes are made to Section G., PROPERTY DEFINITIONS: 1. The following definition is added: "Mechanical breakdown accident" means: a. Breaking or separation of any mechanical part(s) other than gas pipes or lines; or b. Burning out of any electrical motor servicing such unit; and requiring repair or replacement of the damaged parts to become functional. But "mechanical breakdown accident" does not mean faulty operation or failure of equipment which results in a change in temperature or humidity but does not require repair or replacement of broke a F RAMwaganadDMsian REVIEWED & APPROVED BY. - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 2. The following definition is added: "Perishable goods" means personal property: a. Maintained under controlled temperature or humidity conditions for preservation; and b. Susceptible to loss or damage if the controlled temperature or humidity conditions change. Form SP 30 51 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD UNAUTHORIZED BUSINESS CARD USE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Unauthorized Business Card Use (1) We will pay for loss resulting from the theft or unauthorized use of business credit, debit or charge cards issued to you or registered in your name or the name of your business. (2) We will not cover the use of a business credit, debit or charge card: (a) By a person who has been entrusted with the card; or (b) Any of your "employees". (3) All loss: (a) Caused by one or more persons; (b) Involving a single act or a series of related acts; is considered one occurrence regardless or the number of individual unauthorized transactions. (4) If suit is brought against you for liability arising out of a loss resulting from the theft or unauthorized use of your business card, credit, debit or charge card, we will pay for reasonable legal expenses incurred in that defense under this Coverage Extension. (5) The most we will pay in any one occurrence under this Coverage Extension, including legal expenses described in Paragraph (4) above, is the Limit of Insurance shown in the Declarations for Unauthorized Business Card Use. Form SP 30 52 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD PAVED SURFACES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Paved Surfaces (1) You may extend the insurance that applies to Covered Property to apply to direct physical loss or direct physical damage by a Covered Cause of Loss to paved surfaces, including but not limited to: (a) Bridges; (b) Roadways; (c) Walks; (d) Patios; and (e) Parking lots; but only if you are legally liability for such physical loss or physical damage. (2) We will not pay for loss or damage caused by tree roots, freezing, thawing or normal deterioration. (3) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Paved Surfaces. Form SP 30 53 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD LEASEHOLD IMPROVEMENTS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Leasehold Improvements (1) If your lease is cancelled in accordance with a valid lease provision as the direct result of a Covered Cause of Loss to property at the location in which you are a tenant, and you cannot legally remove "tenant improvements and betterments", we will extend Business Personal Property coverage to apply to the unamortized value of "tenant improvements and betterments" that remain and that you were forced to abandon. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Leasehold Improvements. Form SP 30 54 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD FINE ARTS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Paragraph A.6., Coverage Extensions: Fine Arts Coverage (1) We will pay for direct physical loss or direct physical damage to "fine arts" located at the "scheduled premises", in transit to and from the "scheduled premises" or at your residence which are: (a) Owned by you; or (b) Owned by others but in your care, custody or control. (2) Additional Limitation: Art glass windows, glassware, statuary, marbles, bric-a-brac, porcelains and other articles of fragile or brittle nature are covered against loss by breakage only if such loss or damage is caused by a "specified causes of loss." (3) Section B., EXCLUSIONS, does not apply to this Coverage Extension, except for: (a) Paragraph B.1.b., Governmental Action; (b) Paragraph 13.1.c., Nuclear Hazard; and (c) Paragraph B.1.e., War and Military Action. (4) Under this Coverage Extension, we will not pay for loss or damage: (a) Caused by or resulting from: (i) Delay, loss of use, loss of market, or any other causes of consequential loss; (ii) Wear and tear, depreciation or obsolescence; (iii) Rust, corrosion, "fungi", decay, deterioration, hidden or latent defect, or any quality in property that causes it to damage or destroy itself; (iv) Insects, birds, rodents or other animals. (v) Dishonest acts by: (aa) You or any of your partners; (bb) Your directors or trustees; (cc) Your authorized representatives or "employees"; or (dd) Anyone, other than a carrier for hire, to whom you entrusted the Covered Property, including their "employees", for any purpose: Whether acting alone or in collusion with others; and Whether or not occurring during the hours of employment; (vi) Voluntary parting with any property whether or not induced to do so by any fraudulent scheme, trick, device or false pretense; (vii) Unauthorized instructions to transfer property to any person or to any place; (viii)Theft from any unattended vehicle unless at the time of theft its windows, doors and compartments were closed and locked and there are visible signs that the theft was the result of forced entry. But this exclusion does not apply to property in the custody of a carrier for hire; (ix) Processing or work upon the property; or Form SP 30 55 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) To "fine arts" on exhibition at fairgrounds or at any type of exposition, unless such locations are listed and described in the Declarations. (5) Additional Conditions (a) Valuation "Fine arts" covered under this Coverage Extension will be valued at the market value at the time of loss or damage. (b) Pair or Set In case of total loss to a "fine art" item which is part of a pair or set, we agree to pay you the full market value of the pair or set and you agree to surrender the remaining item(s) of the pair or set to us. (c) Packing You agree that "fine arts" will be packed and unpacked by competent packers. (d) Recovered Property If either you or we recover any property after loss settlement, that party must give the other prompt notice. At your option, you may retain the property. But then you must return to us the amount we paid to you for the property. We will pay recovery expenses and the expenses to repair the "fine arts", subject to the Limit of Insurance. (6) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Fine Arts Coverage. B. The following definition is added to Section G., DEFINITIONS: "Fine arts" means paintings, etchings, pictures, tapestries, rare art glass, art glass windows, valuable rugs, statuary, sculptures, antique jewelry, bric-a-brac, porcelains and similar property of rarity, historical value or artistic merit. Form SP 30 55 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BACK-UP OF SEWERS AND DRAINS COVERAGE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.5., Additional Coverages, of the Special Property Coverage Form: Back -Up of Sewer or Drain Water Damage (1) We will pay for direct physical loss or direct physical damage to Covered Property solely caused by or resulting from water that backs up from a sewer or drain. THIS IS NOT FLOOD INSURANCE We will not pay for water or other materials that back up from any sewer or drain when it is caused by any flood. This applies regardless of the proximity of the flood to Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (2) Paragraph (3) of Exclusion B.1.f., Water, does not apply to this Additional Coverage. However, the remainder of Exclusion 13.1.f., Water, remains in full force and effect. (3) Additional Exclusions (a) We will not pay for loss or damage caused by or resulting from water or other materials that back up from any sewer or drain when it is caused by any flood. This applies regardless of the proximity of the flood to the Covered Property. Flood includes the accumulation of surface water, waves, tides, tidal waves, overflow of streams or other bodies of water, or their spray, all whether driven by wind or not that enters the sewer or drain system. (b) Sump overflow that does not occur concurrently with a back-up of a sewer or drain is not covered by this endorsement. Form SP 30 57 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BUILDING PROPERTY OF OTHERS This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Building Property of Others (1) If you occupy a "scheduled premises" as a tenant, and a written lease or rental agreement for that "scheduled premises" requires you to pay for loss or damage to a part of building property you do not own, we will pay for direct physical loss or direct physical damage to that part of building property, other than exterior building glass, caused by or resulting from a Covered Cause of Loss. (2) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Building Property of Others. Form SP 30 59 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COMPUTERS WORLDWIDE This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Computers Worldwide (1) We will pay for direct physical loss or direct physical damage to your "computers" anywhere in the world, including while in transit, caused by or resulting from a Covered Cause of Loss. (2) We will not pay for loss or damage caused by, resulting from or arising out of the theft of "computers" which are in transit as checked baggage. (3) The coverage territory defined in Paragraph F.5.b. does not apply to this Coverage Extension. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Computers Worldwide. Form SP 30 60 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRANSIT BUSINESS INCOME This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions, of the Special Property Coverage Form: Transit Business Income (1) We will pay for the actual loss of Business Income you sustain and necessary Extra Expense you incur during the "transit period of restoration" due to the necessary suspension of your "operations" caused by or resulting from direct physical loss or direct physical damage to Covered Property in transit. Such direct physical loss or direct physical damage must be caused by or resulting from a Covered Cause of Loss. (2) Business Income means the: (a) Net Income (Net Profit or Loss before income taxes) that would have been earned or incurred if no direct physical loss or direct physical damage had occurred, but not including any Net Income that would likely have been earned as a result of an increase in the volume of business due to favorable business conditions caused by the impact of the Covered Cause of Loss on customers or on other businesses; and (b) Continuing normal operating expenses incurred, including payroll expenses. (3) Payroll expenses includes: (a) Payroll; (b) Employee benefits; if directly related to payroll; (c) FICA payments you pay; (d) Union dues you pay; and (e) Workers' compensation premiums. (4) Extra Expense means expense incurred: (a) To avoid or minimize the suspension of business and to continue "operations": (b) To minimize the suspension of business if you cannot continue "operations"; or (c) To: (i) Repair or replace any property; or (ii) Research, replace or restore the lost information on damaged "valuable papers and records"; to the extent it reduces the amount of loss that otherwise would have been payable under this Coverage Extension. (5) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (6) Extra Expense does not apply to: (a) Any deficiencies in insuring Building or Business Personal Property; or (b) Any expense related to any recall of products you manufacture, handle or distribute. (7) With respect to the coverage provided in this Coverage Extension, suspension means the partial slowdown or complete cessation of your business activities. (8) We will deduct from the total Extra Expense to be paid: (a) The salvage value that remains of any property bought for temporary use during the "transit period of restoration", once your "operations" are resumed; and (b) Any Extra Expense that is paid for by other insurance. Form SP 30 61 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (9) We will not pay for any increase of Business Income or Extra Expense loss caused by or resulting from: (a) Delay in rebuilding, repairing or replacing the property or resuming "operations", due to interference at the location of the rebuilding, repair or replacement by strikers or other persons; or (b) Suspension, lapse or cancellation of any license, lease or contract. But if the suspension, lapse or cancellation is directly caused by the suspension of "operations', we will cover such loss that affects your Business Income during the "transit period of restoration". (c) Any other consequential loss. (10)A waiting period may apply, however, no deductible applies to this Coverage Extension. (11)The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Transit Business Income. B. The following definition is added to Section G. PROPERTY DEFINITIONS: "Transit period of restoration" a. Means the period of time that: (1) Begins: (a) The number of hours shown in the Declarations after the time of direct physical loss or direct physical damage to Covered Property in transit for Business Income coverage under the Transit Business Income Coverage Extension; or (b) Immediately after the time of direct physical loss or direct physical damage to Covered Property in transit for Extra Expense coverage; and (2) Ends on the earlier of: (a) The date when the damaged Covered Property should be repaired, rebuilt or replaced with reasonable speed and similar quality; or (b) Exhaustion of the number of consecutive months as shown on the Declarations as the Transit Business Income Period of Restoration. b. Does not include any increased period required due to enforcement of or compliance with any ordinance or law that: (1) Regulates the construction, use or repair, or requires the tearing down of any property; or (2) Requires any insured or others to test for, clean up, remove, contain, treat, detoxify, or neutralize, or in any way respond to "pollutants and contaminants". The expiration date of this Coverage Part will not cut short the "transit period of restoration". Form SP 30 61 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD OUTDOOR SIGNS ON PREMISES This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. The following is added to Paragraph A.6., Coverage Extensions: Outdoor Signs On Premises (1) We will pay for direct physical loss or direct physical damage to outdoor signs at the "scheduled premises" which are: (a) Owned by you; or (b) Owned by others but in your care, custody or control. (2) Section B., EXCLUSIONS, does not apply to this Coverage Extension, except for: (a) Exclusion 13.1.b., Governmental Action; (b) Exclusion 13.1.c., Nuclear Hazard; and (c) Exclusion 13.1.e., War and Military Action; (3) Under this Coverage Extension, we will not pay for loss or damage caused by or resulting from: (a) Wear and tear; (b) Hidden or latent defect; (c) Rust; (d) Corrosion; or (e) Mechanical breakdown. (4) The most we will pay in any one occurrence under this Coverage Extension is the Limit of Insurance shown in the Declarations for Outdoor Signs On Premises. Form SP 31 35 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM - SPECIAL PROPERTY COVERAGE FORM This endorsement modifies insurance provided under the following: SPECIAL PROPERTY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section E. PROPERTY LOSS CONDITIONS: 1. The following is added: Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for a portion of such insured losses, as indicated in the table below that exceeds the applicable insurer deductible: Calendar Year Federal Share of Terrorism Losses 2015 85% 2016 84% 2017 83% 2018 82% 2019 81% 2020 or later 80% However, if aggregate industry insured losses attributable to "certified acts of terrorism" under the federal Terrorism Risk Insurance Act, as amended (TRIA), exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. The United States government has not charged any premium for their participation in covering terrorism losses. 2. The following is added: Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year, and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro-rata basis in accordance with procedures established by the Treasury, based on its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. B. The following is added to Section G. PROPERTY DEFINITIONS: "Certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of federal Terrorism Risk Insurance Act, to be an act of terrorism under TRIA. The criteria contained in TRIA for a "certified act of terrorism" include the following: a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and c. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals acting as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Form SP 70 03 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K a F Risk ManWmad DMsian REVIEWED & APPROVED BY. - Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD C. The following is added to Section F. PROPERTY GENERAL CONDITIONS: Application Of Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Form or Policy, such as losses excluded by the Pollution Exclusion, Nuclear Hazard Exclusion and the War And Military Action Exclusion. Form SP 70 03 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmVmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&'Vd Risk Management Analyst THE -A HARTFORD IMPORTANT NOTICE TO POLICYHOLDERS - SOUTH CAROLINA WIND PREMIUM NOTIFICATION Thank you for trusting The Hartford with your Business Insurance needs. You are receiving this notice because South Carolina law requires that we show you the portion of your property premium allocated to wind/hail coverage versus non-wind/hail coverage. The average percentage of Spectrum policy premium allocated to wind/hail coverage is shown in the tables below. There may be individual exceptions to the ranges indicated below based on your specific policy selections. Should you have any questions please contact your agent, broker or representative. Wind/Hail Premium Percentage by Location County Tables: County % Premium Abbeville 10% to 20% Aiken 20% to 30% Allendale 15% to 25% Anderson 10% to 20% Bamberg 20% to 30% Barnwell 0%to 10% Beaufort 25% to 35% Berkeley 30% to 40% Calhoun 15% to 25% Charleston 30% to 40% Cherokee 10% to 20% Chester 10% to 20% Chesterfield 15% to 25% Clarendon 30% to 40% Colleton 30% to 40% Darlington 25% to 35% Dillon 30% to 40% Dorchester 25% to 35% Edgefield 10% to 20% Fairfield 15% to 25% Florence 30% to 40% Georgetown 30% to 40% Greenville 15% to 25% Form SP 90 05 10 18 County % Premium Greenwood 15% to 25% Hampton 25% to 35% Horry 45% to 55% Jasper 20% to 30% Kershaw 20% to 30% Lancaster 15% to 25% Laurens 10% to 20% Lee 30% to 40% Lexington 25% to 35% Marion 25% to 35% Marlboro 15% to 25% McCormick 15% to 25% Newberry 20% to 30% Oconee 10% to 20% Orangeburg 25% to 35% Pickens 10% to 20% Richland 20% to 30% Saluda 10% to 20% Spartanburg 15% to 25% Sumter 25% to 35% Union 10% to 20% Williamsburg 30%to40% York 20% to 30% © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K HORaN } r Risk Mwag medDMsian REVIEWED & APPROVED BY.- f R. Vj&'Vd Risk Management Analyst BUSINESS LIABILITY COVERAGE FORM READ YOUR POLICY CAREFULLY QUICK REFERENCE A. COVERAGES Business Liability Medical Expenses Coverage Extension - Supplementary Payments B. EXCLUSIONS C. WHO IS AN INSURED D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit 3. Legal Action Against Us 4. Separation Of Insureds 5. Representations 6. Other Insurance 7. Transfer Of Rights Of Recovery Against Others To Us F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS Form SL 00 00 10 18 THE -A HARTFORD Beginning On Page 1 1 2 2 k1 12 14 15 15 15 16 16 16 16 18 18 �oRaN } z RiskMmWmedDMsfan REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst THE HAIR FORD BUSINESS LIABILITY 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 Part the words "you" and "your" refer to the Named Insured shown in the Declarations. The words "we", "us" and "our" refer to the insurance company shown in the Declarations. "Policy period", as used in this Coverage Part, means the period from the effective date of this Coverage Part to the expiration date of the Coverage Part as stated in the Declarations or the date of cancellation, whichever is earlier. The word "insured" means any person or organization qualifying as such under Section C. Who Is An Insured. Other words and phrases that appear in quotation marks have special meaning. Refer to Section F. Liability And Medical Expenses Definitions. A. COVERAGES 1. Business Liability Coverage (Bodily Injury, Property Damage, Personal And Advertising Injury) Insuring Agreement a. We will pay those sums that the insured becomes legally obligated to pay as damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies. We will have the right and duty to defend the insured against any "suit" seeking those damages. However, we will have no duty to defend the insured against any "suit" seeking damages for "bodily injury", "property damage" or "personal and advertising injury" to which this insurance does not apply. We may, at our discretion, investigate any "occurrence" or offense and settle any claim or "suit" that may result. But: 0 C. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I (1) The amount we will pay for damages is limited as described in Section D. Liability And Medical Expenses Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments, settlements or medical expenses to which this insurance applies. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Coverage Extension - Supplementary Payments. This insurance applies: (1) To "bodily injury" and "property damage" only if: (a) The "bodily injury" or "property damage" is caused by an "occurrence" that takes place in the "coverage territory"; (b) The "bodily injury" or "property damage" occurs during the policy period; and (c) Prior to the policy period, no insured listed under Paragraph 1. of Section C. Who Is An Insured and no "employee" authorized by you to give or receive notice of an "occurrence" or claim, knew that the "bodily injury" or "property damage" had occurred, in whole or in part. If such a listed insured or authorized "employee" knew, prior to the policy period, that the "bodily injury" or "property damage" occurred, then any continuation, change or resumption of such "bodily injury" or "property damage" during or after the policy period will be deemed to have been known prior to the policy period. (2) To "personal and advertising injury" caused by an offense arising out of your business, but only if the offense was committed in the "coverage territory" during the policy period. "Bodily injury" or "property damage" will be deemed to have been known to have occurred at the earliest time when any insured listed under Paragraph 1. of Section C. Who Is An Insured or any "employee" authorized by you to give or receive notice of an "occurrence" or claim: (1) Reports all, or any part, of the "bodily injury" or "property damage" to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the "bodily injury" or "property damage"; or a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst THE -A HARTFORD (3) Becomes aware by any other means that "bodily injury" or "property damage" has occurred or has begun to occur. d. Damages because of "bodily injury" include damages claimed by any person or organization for care, loss of services or death resulting at any time from the "bodily injury". e. Incidental Medical Malpractice (1) "Bodily injury" arising out of the rendering of or failure to render professional health care services as a physician, dentist, nurse, emergency medical technician or paramedic shall be deemed to be caused by an "occurrence", but only if: (a) The physician, dentist, nurse, emergency medical technician or paramedic is employed by you to provide such services; and (b) You are not engaged in the business or occupation of providing such services. (2) For the purpose of determining the limits of insurance for incidental medical malpractice, any act or omission together with all related acts or omissions in the furnishing of these services to any one person will be considered one "occurrence". 2. Medical Expenses 3. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I Insuring Agreement a. We will pay medical expenses as described below for "bodily injury" caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (1) The accident takes place in the "coverage territory" and during the policy period; (2) The expenses are incurred and reported to us within three years of the date of the accident; and (3) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) First aid administered at the time of an accident; (2) Necessary medical, surgical, x-ray and dental services, including prosthetic devices; and (3) Necessary ambulance, hospital, professional nursing and funeral services. Coverage Extension - Supplementary Payments a. We will pay, with respect to any claim we investigate or settle, or any "suit" against an insured we defend: (1) All expenses we incur. (2) Up to $1,000 for the cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which Business Liability Coverage for "bodily injury" applies. We do not have to furnish these bonds. (3) The cost of appeal bonds or bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish, finance, arrange for, guarantee, or collateralize these bonds, whether the collateralization is characterized as premium or not. (4) All reasonable expenses incurred by the insured at our request to assist us in the investigation or defense of the claim or "suit", including actual loss of earnings up to $500 a day because of time off from work. (5) All court costs taxed against the insured in the "suit". However, such costs do not include attorneys' fees, attorneys' expenses, witness or expert fees, or any other expenses of a party taxed against the insured. (6) Prejudgment interest awarded against the insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. a F RiskManagmedDMsian REVIEWED & APPROVED BY. - Risk Management Analyst THE HARTFORD (7) All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. Any amounts paid under (1) through (7) above will not reduce the Limits of Insurance. b. If we defend an insured against a "suit" and an indemnitee of the insured is also named as a party to the "suit", we will defend that indemnitee if all of the following conditions are met: (1) The "suit" against the indemnitee seeks damages for which the insured has assumed the liability of the indemnitee in a contract or agreement that is an "insured contract"; (2) This insurance applies to such liability assumed by the insured; (3) The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the insured in the same "insured contract"; (4) The allegations in the "suit" and the information we know about the "occurrence" are such that no conflict appears to exist between the interests of the insured and the interest of the indemnitee; (5) The indemnitee and the insured ask us to conduct and control the defense of that indemnitee against such "suit" and agree that we can assign the same counsel to defend the insured and the indemnitee; and (6) The indemnitee: (a) Agrees in writing to: (i) Cooperate with us in the investigation, settlement or defense of the "suit"; (ii) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the "suit"; (iii) Notify any other insurer whose coverage is available to the indemnitee; and (iv) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (b) Provides us with written authorization to: (i) Obtain records and other information related to the "suit"; and (ii) Conduct and control the defense of the indemnitee in such "suit". So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 1.b.(b) of Section B. Exclusions, such payments will not be deemed to be damages for "bodily injury" and "property damage" and will not reduce the Limits of Insurance. Our obligation to defend an insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when: (1) We have used up the applicable limit of insurance in the payment of judgments or settlements; or (2) The conditions set forth above, or the terms of the agreement described in Paragraph (6) above, are no longer met. B. EXCLUSIONS 1. Applicable To Business Liability Coverage This insurance does not apply to: a. Expected Or Intended Injury (1) (2) "Bodily injury" or "property damage" expected or intended from the standpoint of the insured. This exclusion does not apply to "bodily injury" or "property damage" resulting from the use of reasonable force to protect persons or property; or "Personal and advertising injury" arising out of an offense committed by, at the direction of or with the consent or acquiescence of the insured with the expectation of inflicting "pers Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its ,a 5_if�7..1_I_�i.L RiskMwaganadDMsfan REVIEWED & APPROVED BY.- 11. M44441 Risk Management Analyst THE HARTFORD b. Contractual Liability (1) "Bodily injury" or "property damage"; or (2) "Personal and advertising injury" for which the insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages because of: (a) "Bodily injury", "property damage" or "personal and advertising injury" that the insured would have in the absence of the contract or agreement; or (b) "Bodily injury" or "property damage" assumed in a contract or agreement that is an "insured contract", provided the "bodily injury" or "property damage" occurs subsequent to the execution of the contract or agreement. Solely for the purpose of liability assumed in an "insured contract", reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an insured are deemed to be damages because of "bodily injury" or "property damage" provided: (i) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same "insured contract"; and (ii) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability "Bodily injury" or "property damage" for which any insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; (3) Providing or failing to provide transportation with respect to any person that may be under the influence of alcohol; or (4) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury" or "property damage" involved that which is described in Paragraph (1), (2), (3) or (4) above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving, or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. e. Employer's Liability "Bodily injury" to: (1) An "employee" of the insured arising out of and in the course of: (a) Employment by the insured; or (b) Performing duties related to the conduct of the insured's business; or (2) The spouse, child, parent, brother or sister of that "employee" as a consequence of (1) above. This exclusion applies: (1) Whether the insured may be liable as an employer or in any other capacity; and (2) To any obligation to share damages with or repay someone else who must injury. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its a F Risk Manage meet Division REVIEWED & APPROVED BY.- - Risk Management Analyst Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THE -A HARTFORD This exclusion does not apply to liability assumed by the insured under an "insured contract". f. Pollution (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of "pollutants": (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to any insured. However, this paragraph does not apply to: (i) "Bodily injury" if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii) "Bodily injury" or "property damage" for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to this Coverage Part as an additional insured with respect to your ongoing operations performed for that additional insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any insured, other than that additional insured; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; (b) At or from any premises, site or location which is or was at any time used by or for any insured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: (i) Any insured; or (ii) Any person or organization for whom you may be legally responsible; (d) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the "pollutants" are brought on or to the premises, site or location in connection with such operations by such insured, contractor or subcontractor. However, this paragraph does not apply to: (i) "Bodily injury" or "property damage" arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of "mobile equipment" or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the "bodily injury" or "property damage" arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such insured, contractor or subcontractor; (ii) "Bodily injury" or "property damage" sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii) "Bodily injury" or "property damage" arising out of heat, smoke or fumes from a "hostile fire"; or (e) At or from any premises, site or location on which any insured or any contractors or subcontractors working directly or indirectly on any insured's behalf are performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants". (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, "pollutants"; or (b) Claim or "suit" by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, "pollutants". a F RA Mmaganad DMsian REVIEWED & APPROVED BY. - Risk Management Analyst THE -A HARTFORD However, this paragraph does not apply to liability for damages because of "property damage" that the insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or "suit" by or on behalf of a governmental authority. g. Aircraft, Auto Or Watercraft (1) Unmanned Aircraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This Exclusion g.(1) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". (2) Aircraft (Other Than Unmanned Aircraft), Auto or Watercraft "Bodily injury" or "property damage" arising out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft owned or operated by or rented or loaned to any insured. Use includes operation and 'loading or unloading". This Exclusion g.(2) applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "bodily injury" or "property damage" arises out of the ownership, maintenance, use or entrustment to others of any aircraft (other than "unmanned aircraft"), "auto" or watercraft that is owned or operated by or rented or loaned to any insured. This Exclusion g.(2) does not apply to: (a) A watercraft while ashore on premises you own or rent; (b) A watercraft you do not own that is: (i) Less than 51 feet long; and (ii) Not being used to carry persons or property for a charge; (c) Parking an "auto" on, or on the ways next to, premises you own or rent, provided the "auto" is not owned by or rented or loaned to you or the insured; (d) Liability assumed under any "insured contract" for the ownership, maintenance or use of aircraft (other than "unmanned aircraft") or watercraft; (e) "Bodily injury" or "property damage" arising out of: (i) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of "mobile equipment"; or (ii) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of "mobile equipment" if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged; or (f) An aircraft (other than "unmanned aircraft") that is not owned by any insured and is hired, chartered or loaned with a paid crew. However, this exception does not apply if the insured has any other insurance for such "bodily injury" or "property damage", whether the other insurance is primary, excess, contingent or on any other basis. h. Mobile Equipment "Bodily injury" or "property damage" arising out of: (1) The transportation of "mobile equipment" by an "auto" owned or operated by or rented or loaned to any insured; or (2) The use of "mobile equipment" in, or while in practice or preparation for, a prearranged racing, speed or demolition contest or in any stunting activity. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE -A HARTFORD i. War "Bodily injury", "property damage" or "personal and advertising injury", however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Professional Services k. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I "Bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or failure to render any professional service. This includes but is not limited to: (1) Legal, accounting or advertising services; (2) Preparing, approving, or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; (3) Supervisory, inspection, architectural or engineering activities; (4) Medical, surgical, dental, x-ray or nursing services, treatment, advice or instruction; (5) Any health or therapeutic service treatment, advice or instruction; (6) Any service, treatment, advice or instruction for the purpose of appearance or skin enhancement, hair removal or replacement or personal grooming; (7) Optical or hearing aid services including the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products or hearing aid devices; (8) Optometry or optometric services including but not limited to examination of the eyes and the prescribing, preparation, fitting, demonstration or distribution of ophthalmic lenses and similar products; (9) Any: (a) Body piercing (not including ear piercing); (b) Tattooing, including but not limited to the insertion of pigments into or under the skin; and (c) Similar services; (10)Pharmaceutical services including but not limited to: (a) The administering, prescribing, preparing, distributing or compounding of pharmaceutical drugs, vaccinations, immunizations or any of their component parts; (b) The providing of or failure to provide home health care or home infusion products or services; and (c) Advising and consulting customers; (11)Computer consulting, design or programming services, including web site design. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. Paragraphs (4) and (5) of this exclusion do not apply to the Incidental Medical Malpractice coverage afforded under Paragraph 1.e. in Section A. Coverages. Damage To Property "Property damage" to: (1) Property you own, rent or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the "property damage" arises out of any part of those premises; a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst THE HARTFORD (3) Property loaned to you; (4) Personal property in the care, custody or control of the insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the "property damage" arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced because "your work" was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to "property damage" (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in Section D. Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are "your work" and were never occupied, rented or held for rental by you. Paragraphs (3) and (4) of this exclusion do not apply to the use of elevators. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraphs (3) and (4) of this exclusion do not apply to "property damage" to borrowed equipment while not being used to perform operations at a job site. Paragraph (6) of this exclusion does not apply to "property damage" included in the "products -completed operations hazard". I. Damage To Your Product "Property damage" to "your product" arising out of it or any part of it. m. Damage To Your Work "Property damage" to "your work" arising out of it or any part of it and included in the "products -completed operations hazard". This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. n. Damage To Impaired Property Or Property Not Physically Injured "Property damage" to "impaired property" or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in "your product" or "your work"; or (2) A delay or failure by you or anyone acting on your behalf to perform a contract or agreement in accordance with its terms. r• 12 Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to "your product" or "your work" after it has been put to its intended use. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) "Your product"; (2) "Your work"; or (3) "Impaired property"; if such product, work or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. Personal And Advertising Injury "Personal and advertising injury": (1) Arising out of oral, written, electronic, or any other manner of publication of material, if done by or at the direction of the insured with knowledge of its falsity; a F RiskManagmedDMsian REVIEWED & APPROVED BY.- r Risk Management Analyst THE HARTFORD (2) Arising out of oral, written, electronic, or any other manner of publication of material whose first publication took place before the beginning of the policy period; (3) Arising out of a criminal act committed by or at the direction of the insured; (4) Arising out of any breach of contract, except an implied contract to use another's "advertising idea" in your "advertisement"; (5) Arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your "advertisement"; (6) Arising out of the wrong description of the price of goods, products or services; (7) Arising out of: (a) Any actual or alleged infringement or violation of any intellectual property rights, such as copyright, patent, right of publicity, trademark, trade dress, trade name, trade secret, service mark or other designation of origin or authenticity; or (b) Any injury or damage alleged in any claim or "suit" that also alleges an infringement or violation of any intellectual property right, whether such allegation of infringement or violation is made against you, or by you or by any other party involved in the claim or "suit", regardless of whether this insurance would otherwise apply. However, this exclusion does not apply if the only allegation in the claim or "suit" involving any intellectual property right is limited to: (i) Infringement, in your "advertisement", of: a. Copyright; b. Slogan; unless the slogan is also a trademark, trade dress, trade name, service mark or other designation of origin or authenticity; or c. Title of any literary or artistic work; or (ii) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement". Paragraph (7)(b)ii above shall not apply to claims or "suits" alleging infringement or violation of trademark, trade dress, trade name, service mark or other designation of origin or authenticity. (8) Arising out of an offense committed by an insured whose business is: (a) Advertising, broadcasting, publishing or telecasting; (b) Designing or determining content of web sites for others; or (c) An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs a., b. and c. under the definition of "personal and advertising injury" in Section F. Liability And Medical Expenses Definitions. For the purposes of this exclusion, the placing of frames, borders, or links, or advertising, for you or others anywhere on the Internet, is not by itself, considered the business of advertising, broadcasting, publishing or telecasting; (9) Arising out of an electronic chat room or bulletin board the insured hosts, owns, or over which the insured exercises control; (10)Arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatags, or any other similar tactics to mislead another's potential customers; (11)Arising out of the violation of a person's right of privacy created by any state or federal act. However, this exclusion does not apply to liability for damages that the insured would have in the absence of such state or federal act; (12)Arising out of: (a) Advertising content for others on your web site; (b) Placing a link to a web site of others on your web site; Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THE HARTFORD (c) Content from a web site of others displayed within a frame or border on your web site. Content includes information, code, sounds, text, graphics or images; or (d) Computer code, software or programming used to enable: (i) Your web site; or (ii) The presentation or functionality of an "advertisement" or other content on your web site; (13)Arising out of a violation of any anti-trust law; (14)Arising out of the fluctuation in price or value of any stocks, bonds or other securities; (15)Arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of any access to or disclosure of any person's or organization's confidential or personal information; or (16)Arising out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". Use includes operation and "loading or unloading". This exclusion applies even if the claims against any insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that insured, if the "personal and advertising injury" arises out of the ownership, maintenance, use or entrustment to others of any aircraft that is an "unmanned aircraft". However, this exclusion does not apply if the only allegation in the claim or "suit" involves an intellectual property right which is limited to: (a) Infringement, in your "advertisement", of: (i) Copyright; (ii) Slogan; or (iii) Title of any literary or artistic work; or (b) Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement". q. Access Or Disclosure Of Confidential Or Personal Information And Data -Related Liability (1) Damages because of "bodily injury" or "property damage" arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or (2) Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate "electronic data". This exclusion applies even if such damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by you or others arising out of that which is described in Paragraphs (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of "bodily injury". r. Employment -Related Practices "Bodily injury" or "personal and advertising injury" to: (1) A person arising out of any: (a) Refusal to employ that person; (b) Termination of that person's employment; or Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RAMwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THE HARTFORD (c) Employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination, malicious prosecution or false arrest directed at that person; or (2) The spouse, child, parent, brother or sister of that person as a consequence of "bodily injury" or "personal and advertising injury" to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) Whether the injury -causing event described in Paragraphs (a), (b), or (c) above occurs before employment, during employment or after employment of that person; (2) Whether the insured may be liable as an employer or in any other capacity; and (3) To any obligation to share damages with or repay someone else who must pay damages because of the injury. s. Asbestos (1) "Bodily injury", "property damage" or "personal and advertising injury" arising out of the "asbestos hazard". (2) Any damages, judgments, settlements, loss, costs or expenses that: (a) May be awarded or incurred by reason of any claim or "suit" alleging actual or threatened injury or damage of any nature or kind to persons or property which would not have occurred in whole or in part but for the "asbestos hazard"; (b) Arise out of any request, demand, order or statutory or regulatory requirement that any insured or others test for, monitor, clean up, remove, encapsulate, contain, treat, detoxify or neutralize or in any way respond to or assess the effects of an "asbestos hazard"; or (c) Arise out of any claim or "suit" for damages because of testing for, monitoring, cleaning up, removing, encapsulating, containing, treating, detoxifying or neutralizing or in any way responding to or assessing the effects of an "asbestos hazard". t. Recording And Distribution Of Material Or Information In Violation Of Law "Bodily injury", "property damage", or "personal and advertising injury" arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transaction Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Damage To Premises Rented To You — Exception For Damage By Fire, Lightning Or Explosion Exclusions c. through h. and k. through o. do not apply to damage by fire, lightning or explosion to premises rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section D. Liability And Medical Expenses Limits Of Insurance. 2. Applicable To Medical Expenses Coverage We will not pay expenses for "bodily injury": a. Any Insured To any insured, except "volunteer workers". b. Hired Person To a person hired to do work for or on behalf of any insured or a tenant of any ins Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its HORaN RiskManWmadDMsian REVIEWED & APPROVED BY.- o r f R. Vj&wd Risk Management Analyst THE HARTFORD c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers' Compensation And Similar Laws To a person, whether or not an "employee" of any insured, if benefits for the "bodily injury" are payable or must be provided under a workers' compensation or disability benefits law or a similar law. e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports or athletic contests. f. Products -Completed Operations Hazard Included with the "products -completed operations hazard". g. Business Liability Exclusions Excluded under Business Liability Coverage. C. WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are insureds, but only with respect to the conduct of a business, other than that described in b. through e. below, of which you are the sole owner. b. A partnership or joint venture, you are an insured. Your members, your partners, and their spouses are also insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an insured. Your members are also insureds, but only with respect to the conduct of your business. Your managers are insureds, but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an insured. Your "executive officers" and directors are insureds, but only with respect to their duties as your officers or directors. Your stockholders are also insureds, but only with respect to their liability as stockholders. e. A trust, you are an insured. Your trustees are also insureds, but only with respect to their duties as trustees. 2. Each of the following is also an insured: a. Employees And Volunteer Workers Your "volunteer workers" only while performing duties related to the conduct of your business, or your "employees", other than either your "executive officers" (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these "employees" or "volunteer workers" are insureds for: (1) "Bodily injury" or "personal and advertising injury": (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), or to a co -"employee" while in the course of his or her employment or performing duties related to the conduct of your business, or to your other "volunteer workers" while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co -"employee" or that "volunteer worker" as a consequence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraphs (1)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care services. If you are not in the business of providing professional health care services, Paragraph (d) does not apply to any nurse, emergency medical technician or paramedic employed by you to provide such services. (2) "Property damage" to property: Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst THE HARTFORD (a) Owned, occupied or used by: (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by you, any of your "employees", "volunteer workers", any partner or member (if you are a partnership or joint venture), or any member (if you are a limited liability company). b. Real Estate Manager Any person (other than your "employee" or "volunteer worker"), or any organization while acting as your real estate manager. c. Temporary Custodians Of Your Property Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Legal Representative If You Die Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this insurance. e. Unnamed Subsidiary Any subsidiary and subsidiary thereof, of yours which is a legally incorporated entity of which you own a financial interest of more than 50% of the voting stock on the effective date of this Coverage Part. The insurance afforded herein for any subsidiary not shown in the Declarations as a named insured does not apply to injury or damage with respect to which an insured under this insurance is also an insured under another policy or would be an insured under such policy but for its termination or upon the exhaustion of its limits of insurance. 3. Newly Acquired Or Formed Organization Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain financial interest of more than 50% of the voting stock, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 180th day after you acquire or form the organization or the end of the policy period, whichever is earlier; and b. Coverage under this provision does not apply to: (1) "Bodily injury" or "property damage" that occurred; or (2) "Personal and advertising injury" arising out of an offense committed before you acquired or formed the organization. 4. Operator Of Mobile Equipment With respect to "mobile equipment" any person is an insured while driving such equipment along a public highway with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the equipment, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: a. "Bodily injury" to a co -"employee" of the person driving the equipment; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. 5. Operator Of Nonowned Watercraft With respect to watercraft you do not own that is less than 51 feet long and is not being used to carry persons or property for a charge, any person is an insured while operating such watercraft with your permission. Any other person or organization responsible for the conduct of such person is also an insured, but only with respect to liability arising out of the operation of the watercraft, and only if no other insurance of any kind is available to that person or organization for this liability. However, no person or organization is an insured with respect to: Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE -A HARTFORD a. "Bodily injury" to a co -"employee" of the person operating the watercraft; or b. "Property damage" to property owned by, rented to, in the charge of or occupied by you or the employer of any person who is an insured under this provision. No person or organization is an insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE 1. The Most We Will Pay The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or "suits" brought; or c. Persons or organizations making claims or bringing "suits". 2. Aggregate Limits The most we will pay for: a. Damages because of "bodily injury" and "property damage" included in the "products -completed operations hazard" is the Products -Completed Operations Aggregate Limit shown in the Declarations. b. Damages because of all other "bodily injury", "property damage" or "personal and advertising injury", including medical expenses, is the General Aggregate Limit shown in the Declarations. This General Aggregate limit does not apply to "property damage" to premises while rented to you or temporarily occupied by you with permission of the owner, arising out of fire, lightning or explosion. 3. Each Occurrence Limit Subject to 2.a. or 2.b above, whichever applies, the most we will pay for the sum of all damages because of all "bodily injury", "property damage" and medical expenses arising out of any one 'occurrence" is the Liability and Medical Expenses Limit shown in the Declarations. The most we will pay for all medical expenses because of "bodily injury" sustained by any one person is the Medical Expenses Limit shown in the Declarations. 4. Personal And Advertising Injury Limit Subject to 2.1b. above, the most we will pay for the sum of all damages because of all "personal and advertising injury" sustained by any one person or organization is the Personal and Advertising Injury Limit shown in the Declarations. 5. Damage To Premises Rented To You Limit The Damage To Premises Rented To You Limit is the most we will pay under Business Liability Coverage for damages because of "property damage" to any one premises, while rented to you, or in the case of damage by fire, lightning or explosion, while rented to you or temporarily occupied by you with permission of the owner. In the case of damage by fire, lightning or explosion, the Damage to Premises Rented To You Limit applies to all damage proximately caused by the same event, whether such damage results from fire, lightning or explosion or any combination of these. 6. How Limits Apply To Additional Insureds The most we will pay on behalf of a person or organization who is an additional insured under this Coverage Part is the lesser of: a. The limits of insurance required in a written contract, written agreement or permit; or b. The Limits of Insurance shown in the Declarations. Such amount shall be a part of and not in addition to the Limits of Insurance shown in the Declarations and described in this Section. If more than one limit of insurance under this Policy and any endorsements attached thereto applies to any claim or "suit", the most we will pay under this Policy and the endorsements is the single hi Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I ,a 5_if�7..1_I_�i.L RiskMwaganadDMsfan REVIEWED & APPROVED BY.- 11. M44441 Risk Management Analyst THE HARTFORD coverages applicable to such claim or "suit". However, this paragraph does not apply to the Medical Expenses limit set forth in Paragraph 3. above. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the insured or of the insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. Notice Of Occurrence Or Offense You or any additional insured under this Coverage Part must see to it that we are notified as soon as practicable of an "occurrence" or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the "occurrence" or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the "occurrence" or offense. b. Notice Of Claim If a claim is made or "suit" is brought against any insured, you or any additional insured under this Coverage Part must: (1) Immediately record the specifics of the claim or "suit" and the date received; and (2) Notify us as soon as practicable. You or any additional insured under this Coverage Part must see to it that we receive a written notice of the claim or "suit" as soon as practicable. c. Assistance And Cooperation Of The Insured You and any other involved insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or "suit"; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation, settlement of the claim or defense against the "suit"; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization that may be liable to the insured because of injury or damage to which this insurance may also apply. d. Obligations At The Insured's Own Cost No insured will, except at that insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. e. Additional Insured's Other Insurance If we cover a claim or "suit" under this Coverage Part that may also be covered by other insurance available to an additional insured under this Coverage Part, such additional insured must submit such claim or "suit" to the other insurer for defense and indemnity. However, this provision does not apply to the extent that you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with such additional insured's own insurance. f. Knowledge Of An Occurrence, Offense, Claim Or Suit Paragraphs a. and b. apply to you or to any additional insured under this Coy "occurrence", offense, claim or "suit" is known to: Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I era e tart oniv wnen sucn a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst THE HARTFORD (1) You or any additional insured under this Coverage Part that is an individual; (2) Any partner, if you or an additional insured under this Coverage Part is a partnership; (3) Any manager, if you or an additional insured under this Coverage Part is a limited liability company; (4) Any "executive officer" or insurance manager, if you or an additional insured under this Coverage Part is a corporation; (5) Any trustee, if you or an additional insured under this Coverage Part is a trust; or (6) Any elected or appointed official, if you or an additional insured under this Coverage Part is a political subdivision or public entity. This Paragraph f. applies separately to you and any additional insured under this Coverage Part. 3. Legal action Against Us No person or organization has a right under this Coverage Part: a. To join us as a party or otherwise bring us into a "suit" asking for damages from an insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an insured; but we will not be liable for damages that are not payable under the terms of this insurance or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the insured and the claimant or the claimant's legal representative. 4. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Policy to the first Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each insured against whom a claim is made or "suit" is brought. 5. Representations a. When You Accept This Policy By accepting this Policy, you agree: (1) The statements in the Declarations are accurate and complete; (2) Those statements are based upon representations you made to us; and (3) We have issued this Policy in reliance upon your representations. b. Unintentional Failure To Disclose Hazards If unintentionally you should fail to disclose all hazards relating to the conduct of your business at the inception date of this Coverage Part, we shall not deny any coverage under this Coverage Part because of such failure. 6. Other Insurance If other valid and collectible insurance is available for a loss we cover under this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when b. below applies. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. b. Excess Insurance This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis: (1) Your Work That is Fire, Extended Coverage, Builder's Risk, Installation Risk, Owner Controlled Insurance Program or OCIP, Contractor Controlled Insurance Program or CCIP, Wrap Up Insurance or similar coverage for "your work"; Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE HARTFORD (2) Premises Rented To You That is fire, lightning or explosion insurance for premises rented to you or temporarily occupied by you with permission of the owner; (3) Tenant Liability That is insurance purchased by you to cover your liability as a tenant for "property damage" to premises rented to you or temporarily occupied by you with permission of the owner; (4) Aircraft, Auto Or Watercraft If the loss arises out of the maintenance or use of aircraft, "autos" or watercraft to the extent not subject to Exclusion g. of Section B. Exclusions. (5) Property Damage To Borrowed Equipment Or Use Of Elevators If the loss arises out of "property damage" to borrowed equipment or the use of elevators to the extent not subject to Exclusion k. of Section B. Exclusions. (6) When You Are Added As An Additional Insured To Other Insurance That is other insurance available to you covering liability for damages arising out of the premises or operations, or products and completed operations, for which you have been added as an additional insured by that insurance; or (7) When You Add Others As An Additional Insured To This Insurance That is other insurance available to an additional insured. However, the following provisions apply to other insurance available to any person or organization who is an additional insured under this Coverage Part: (a) Primary Insurance When Required By Contract This insurance is primary if you have agreed in a written contract, written agreement or permit that this insurance be primary. If other insurance is also primary, we will share with all that other insurance by the method described in c. below. (b) Primary And Non -Contributory To Other Insurance When Required By Contract If you have agreed in a written contract, written agreement or permit that this insurance is primary and non-contributory with the additional insured's own insurance, this insurance is primary and we will not seek contribution from that other insurance. Paragraphs (a) and (b) do not apply to other insurance to which the additional insured has been added as an additional insured. When this insurance is excess, we will have no duty under this Coverage Part to defend the insured against any "suit" if any other insurer has a duty to defend the insured against that "suit". If no other insurer defends, we will undertake to do so, but we will be entitled to the insured's rights against all those other insurers. When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (1) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (2) The total of all deductible and self -insured amounts under all that other insurance. We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all the other insurance permits contribution by equal shares, we will follow this method also. Under this approach, each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE HARTFORD If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 7. Transfer Of Rights Of Recovery Against Others To Us a. Transfer Of Rights Of Recovery If the insured has rights to recover all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, those rights are transferred to us. The insured must do nothing after loss to impair them. At our request, the insured will bring "suit" or transfer those rights to us and help us enforce them. This condition does not apply to Medical Expenses Coverage. b. Waiver Of Rights Of Recovery (Waiver Of Subrogation) If the insured has waived any rights of recovery against any person or organization for all or part of any payment, including Supplementary Payments, we have made under this Coverage Part, we also waive that right, provided the insured waived their rights of recovery against such person or organization in a contract, agreement or permit that was executed prior to the injury or damage. F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS 1. "Advertisement" means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purpose of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purpose of attracting customers or supporters is considered an advertisement. 2. "Advertising idea" means any idea for an "advertisement". 3. "Asbestos hazard" means an exposure or threat of exposure to the actual or alleged properties of asbestos and includes the mere presence of asbestos in any form. 4. "Auto" means: a. A land motor vehicle, trailer or semi -trailer designed for travel on public roads, including any attached machinery or equipment; or b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where it is licensed or principally garaged. However, "auto" does not include "mobile equipment". 5. "Bodily injury" means physical: a. Injury; b. Sickness; or c. Disease sustained by a person and, if arising out of the above, mental anguish or death at any time. 6. "Coverage territory" means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in a. above; c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in a. above; (2) The activities of a person whose home is in the territory described in a. above, but is away for a short time on your business; or Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RAMwaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THE HARTFORD (3) "Personal and advertising injury" offenses that take place through the Internet or similar electronic means of communication. provided the insured's responsibility to pay damages is determined in the United States of America (including its territories and possessions), Puerto Rico or Canada, in a "suit" on the merits according to the substantive law in such territory, or in a settlement we agree to. 7. "Electronic data" means information, facts or computer programs stored as or on, created or used on, or transmitted to or from computer software (including systems and applications software), on hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other repositories of computer software which are used with electronically controlled equipment. The term computer programs, referred to in the foregoing description of "electronic data", means a set of related electronic instructions which direct the operations and functions of a computer or device connected to it, which enable the computer or device to receive, process, store, retrieve or send data. 8. "Employee" includes a "leased worker". "Employee" does not include a "temporary worker". 9. "Executive officer" means a person holding any of the officer positions created by your charter, constitution, by- laws or any other similar governing document. 10. "Hostile fire" means one which becomes uncontrollable or breaks out from where it was intended to be. 11. "Impaired property" means tangible property, other than "your product" or "your work", that cannot be used or is less useful because: a. It incorporates "your product" or "your work" that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by: a. The repair, replacement, adjustment or removal of "your product" or "your work"; or b. Your fulfilling the terms of the contract or agreement. 12. "Insured contract" means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire, lightning or explosion to premises while rented to you or temporarily occupied by you with permission of the owner is subject to the Damage To Premises Rented To You limit described in Section D. Liability And Medical Expenses Limits Of Insurance. b. A sidetrack agreement; c. Any easement or license agreement, including an easement or license agreement in connection with construction or demolition operations on or within 50 feet of a railroad; d. Any obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; or f. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for "bodily injury" or "property damage" to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph f. includes that part of any contract or agreement that indemnifies a railroad for "bodily injury" or "property damage" arising out of construction or demolition operations within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road -beds, tunnel, underpass or crossing. However, Paragraph f. does not include that part of any contract or agreement: (1) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving or failing to prepare or approve maps, shop drawings, surveys, field orders, change orders, designs or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the pri damage; or Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K opinions, reports, _ F r RiskMmRgmentDMsian REVIEWED & APPROVED BY.- Risk Management Analyst THE HARTFORD (2) Under which the insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the insured's rendering or failure to render professional services, including those listed in (1) above and supervisory, inspection, architectural or engineering activities. 13. "Leased worker" means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. "Leased worker" does not include a "temporary worker". 14. "Loading or unloading" means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or "auto"; b. While it is in or on an aircraft, watercraft or "auto"; or c. While it is being moved from an aircraft, watercraft or "auto" to the place where it is finally delivered; but "loading or unloading" does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or "auto". 15. "Mobile equipment" means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, on which are permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in a., b., c., or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; f. Vehicles not described in a., b., c., or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not "mobile equipment" but will be considered "autos": (1) Equipment, of at least 1,000 pounds gross vehicle weight, designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, "mobile equipment" does not include any land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance or motor vehicle registration law where they are licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law or motor vehicle registration law are considered "autos". 16. "Occurrence" means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 17. "Personal and advertising injury" means injury, including consequential "bodily injury", arising out of one or more of the following offenses: Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RAMwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE HARTFORD a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person or organization occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral, written, electronic, or any other manner of publication of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral, written, electronic, or any other manner of publication of material that violates a person's right of privacy; f. Copying, in your "advertisement", a person's or organization's "advertising idea" or style of "advertisement"; or g. Infringement of copyright, slogan, or title of any literary or artistic work, in your "advertisement". 18. "Pollutants" means any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 19. "Products -completed operations hazard"; a. Includes all "bodily injury" and "property damage" occurring away from premises you own or rent and arising out of "your product" or "your work" except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, "your work" will be deemed to be completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. The "bodily injury" or "property damage" must occur away from premises you own or rent, unless your business includes the selling, handling or distribution of "your product" for consumption on premises you own or rent. b. Does not include "bodily injury" or "property damage" arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the "loading or unloading" of that vehicle by any insured; or (2) The existence of tools, uninstalled equipment or abandoned or unused materials. 20. "Property damage" means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of "occurrence" that caused it. As used in this definition, "electronic data" is not tangible property. 21. "Suit" means a civil proceeding in which damages because of "bodily injury", "property damage" or "personal and advertising injury" to which this insurance applies are alleged. "Suit" includes: a. An arbitration proceeding in which such damages are claimed and to which the insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the insured submits with our consent. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THE -A HARTFORD 22. "Temporary worker" means a person who is furnished to you to substitute for a permanent "employee" on leave or to meet seasonal or short-term workload conditions. 23. "Unmanned aircraft" means an aircraft that is not: a. Designed; b. Manufactured; or c. Modified after manufacture; to be controlled directly by a person from within or on the aircraft. 24. "Volunteer worker" means a person who: a. Is not your "employee"; b. Donates his or her work; c. Acts at the direction of and within the scope of duties determined by you; and d. Is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 25. "Your product": a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your product'; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of others but not sold. 26. "Your work": a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of "your work"; and (2) The providing of or failure to provide warnings or instructions. Form SL 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - NUCLEAR ENERGY LIABILITY Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. This insurance does not apply: 1. To any injury or damage: a. With respect to which an insured under the Policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters or Nuclear Insurance Association of Canada, or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of liability; or b. Resulting from the "hazardous properties" of "nuclear material" and with respect to which: (1) Any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof; or (2) The insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. 3. Under any Medical Payments or Medical Expenses Coverage, to expenses incurred with respect to "bodily injury" resulting from the "hazardous properties" of "nuclear material' and arising out of the operation of a "nuclear facility" by any person or organization. 4. To any injury or damage resulting from the "hazardous properties" of "nuclear material'; if: a. The "nuclear material': (1) Is at any "nuclear facility" owned by, or operated by or on behalf of, an insured; or (2) Has been discharged or dispersed therefrom; b. The "nuclear material' is contained in "spent fuel' or "waste" at any time was possessed, handled, used, processed, stored, transported or disposed of by or on behalf of an insured; or c. The injury or damage arises out of the furnishing by any insured of any "technology services" in connection with the planning, construction, maintenance, operation or use of any "nuclear facility"; or d. The injury or damage arises out of the furnishing by an insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any "nuclear facility"; but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion (d) applies only to "property damage" to such "nuclear facility" and any property thereat. B. As used in this exclusion, the following definitions apply: 1. "Byproduct material', "source material' and "special nuclear material' have the meanings given to them in the Atomic Energy Act of 1954 or in any law amendatory thereof. 2. "Computer system and network" means: a. Leased or owned computer hardware including mobile, networked, and data storage computing equipment; b. Owned or licensed software; c. Owned websites; d. Leased or owned wireless input and output devices; and e. Electronic backup facilities and data storage repositories employed in conjunction with 2.a. through 2.d. above. 3. "Hazardous properties" include radioactive, toxic or explosive properties. 4. "Nuclear facility" means: a. Any "nuclear reactor"; b. Any equipment or device designed or used for: Form SL 20 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (1) Separating the isotopes of uranium or plutonium; (2) Processing or utilizing "spent fuel"; or (3) Handling, processing or packaging "waste", c. Any equipment or device used for the processing, fabricating or alloying of "special nuclear material" if at any time the total amount of such material in the custody of the insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; d. Any structure, basin, excavation, premises or place prepared or used for the storage or disposal of "waste" and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. 5. "Nuclear material" means "byproduct material", "source material" or "special nuclear material". 6. "Nuclear reactor" means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. 7. "Property damage" and injury or damage include all forms of radioactive contamination of property. 8. "Spent fuel" means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a "nuclear reactor". 9. "Technology services" means: a. The following services performed for others: (1) Consulting, analysis, design, installation, training, maintenance, support and repair of or on: software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; (2) Integration of systems; (3) Processing of, management of, mining or warehousing of data; (4) Administration, management, operation or hosting of: another party's systems, technology or computer facilities; (5) Website development; website hosting; (6) Internet access services; intranet, extranet or electronic information connectivity services; software application connectivity services; (7) Manufacture, sale, licensing, distribution, or marketing of: software, wireless applications, firmware, shareware, networks, systems, hardware, devices or components; (8) Design and development of: code, software or programming; (9) Providing software application: services, rental or leasing; (10)Screening, selection, recruitment or placement of candidates for temporary or permanent employment by others as information technology professionals; (11)"Telecommunication services"; and (12)"Telecommunication products". b. Web -related software and connectivity services performed for others; and c. Activities on the named insured's "computer system and network". 10. "Waste" means any waste material: a. Containing "by-product material" other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its "source material" content; and b. Resulting from the operation by any person or organization of any "nuclear facility" included under the first two paragraphs of the definition of "nuclear facility". Form SL 20 06 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD EXCLUSION - SILICA - BUSINESS LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following exclusion is added to Section B. EXCLUSIONS: This insurance does not apply to: Silica Any injury, damage, loss, cost or expense, including but not limited to "bodily injury", "property damage" or "personal and advertising injury" arising out of, or relating to, in whole or in part, the "silica hazard". B. The following definition is added to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "Silica hazard" means an exposure to, inhalation of or contact with, or threat of exposure to, inhalation of or contact with, the actual or alleged properties of silica or any silica containing materials and includes the mere presence of silica or any silica containing materials in any form. Silica includes all forms of the compound silicon dioxide, including, but not limited to, quartz. Form SL 20 78 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD BLANKET ADDITIONAL INSURED BY CONTRACT This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following is added to Section C. WHO IS AN INSURED: Additional Insureds When Required By Written Contract, Written Agreement Or Permit The person(s) or organization(s) identified in Paragraphs a. through f. below are additional insureds when you have agreed, in a written contract or written agreement, or when required by a written permit issued by a state or governmental agency or subdivision or political subdivision that such person or organization be added as an additional insured on your Coverage Part, provided the injury or damage occurs subsequent to the execution of the contract or agreement, or the issuance of the permit. A person or organization is an additional insured under this provision only for that period of time required by the contract, agreement or permit. However, no such person or organization is an additional insured under this provision if such person or organization is included as an additional insured by any other endorsement issued by us and made a part of this Coverage Part. The insurance afforded to such additional insured will not be broader than that which you are required by the contract, agreement, or permit to provide for such additional insured. The insurance afforded to such additional insured only applies to the extent permitted by law. The limits of insurance that apply to additional insureds are described in Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE. How this insurance applies when other insurance is available to an additional insured is described in the Other Insurance Condition in Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS. a. Vendors Any person(s) or organization(s) (referred to below as vendor), but only with respect to "bodily injury" or "property damage" arising out of "your products" which are distributed or sold in the regular course of the vendor's business and only if this Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (1) The insurance afforded to the vendor is subject to the following additional exclusions: This insurance does not apply to: (a) "Bodily injury" or "property damage" for which the vendor is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages that the vendor would have in the absence of the contract or agreement; (b) Any express warranty unauthorized by you; (c) Any physical or chemical change in the product made intentionally by the vendor; (d) Repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; (e) Any failure to make such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; (f) Demonstration, installation, servicing or repair operations, except such operations performed at the vendor's premises in connection with the sale of the product; (g) Products which, after distribution or sale by you, have been labeled or relabE part or ingredient of any other thing or substance by or for the vendor; or Form SL 30 32 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K ,iea or usea as a container, a F Risk ManWment DMsian REVIEWED & APPROVED BY. - Risk Management Analyst Form SL 30 32 10 18 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (h) "Bodily injury" or "property damage" arising out of the sole negligence of the vendor for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (i) The exceptions contained in Paragraphs (d) or (f); or (ii) Such inspections, adjustments, tests or servicing as the vendor has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. (2) This insurance does not apply to any insured person or organization from whom you have acquired such products, or any ingredient, part or container, entering into, accompanying or containing such products. b. Lessors Of Equipment (1) Any person or organization from whom you lease equipment; but only with respect to their liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your maintenance, operation or use of equipment leased to you by such person or organization. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to any "occurrence" which takes place after you cease to lease that equipment. c. Lessors Of Land Or Premises (1) Any person or organization from whom you lease land or premises, but only with respect to liability arising out of the ownership, maintenance or use of that part of the land or premises leased to you. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) Any "occurrence" which takes place after you cease to lease that land or be a tenant in that premises; or (b) Structural alterations, new construction or demolition operations performed by or on behalf of such person or organization. d. Architects, Engineers Or Surveyors (1) Any architect, engineer, or surveyor, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In connection with your premises; or (b) In the performance of your ongoing operations performed by you or on your behalf. (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: (a) This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of or the failure to render any professional services, including: (i) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (ii) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service. (b) This insurance does not apply to "bodily injury" or "property damage" included within the "products - completed operations hazard". e. State Or Governmental Agency Or Subdivision Or Political Subdivision Issuing Permit (1) Any state or governmental agency or subdivision or political subdivision, but only with respect to operations performed by you or on your behalf for which the state or governmental agency or subdivision or political subdivision has issued a permit. (2) With respect to the insurance afforded to these additional insureds, this insurance does not apply to: (a) "Bodily injury", "property damage" or "personal and advertising injury" arising out of operations performed for the federal government, state or municipality; or a F Risk Manage meet Division REVIEWED & APPROVED BY.- r Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD (b) "Bodily injury" or "property damage" included within the "products -completed operations hazard". f. Any Other Party (1) Any other person or organization who is not in one of the categories or classes listed above in Paragraphs a. through e. above, but only with respect to liability for "bodily injury", "property damage" or "personal and advertising injury" caused, in whole or in part, by your acts or omissions or the acts or omissions of those acting on your behalf: (a) In the performance of your ongoing operations performed by you or on your behalf; (b) In connection with your premises owned by or rented to you; or (c) In connection with "your work" and included within the "products -completed operations hazard", but only if: (i) The written contract, written agreement or permit requires you to provide such coverage to such additional insured; and (ii) This Coverage Part provides coverage for "bodily injury" or "property damage" included within the "products -completed operations hazard". (2) With respect to the insurance afforded to these additional insureds, the following additional exclusion applies: This insurance does not apply to "bodily injury", "property damage" or "personal and advertising injury" arising out of the rendering of, or the failure to render, any professional architectural, engineering or surveying services, including: (a) The preparing, approving, or failure to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders, designs or drawings and specifications; or (b) Supervisory, surveying, inspection, architectural or engineering activities. This exclusion applies even if the claims allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by an insured, if the "bodily injury", "property damage", or "personal and advertising injury" arises out of the rendering of or the failure to render any professional service described in Paragraphs f.(2)(a) or f.(2)(b) above. Form SL 30 32 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM - BUSINESS LIABILITY COVERAGE FORM This endorsement modifies insurance provided under the following: BUSINESS LIABILITY COVERAGE FORM Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section E. LIABILITY AND MEDICAL EXPENSES GENERAL CONDITIONS: 1. The following is added: Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for a portion of such insured losses, as indicated in the table below that exceeds the applicable insurer deductible: Calendar Year Federal Share of Terrorism Losses 2015 85% 2016 84% 2017 83% 2018 82% 2019 81% 2020 or later 80% However, if aggregate industry insured losses attributable to "certified acts of terrorism" under the federal Terrorism Risk Insurance Act, as amended (TRIA), exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. The United States government has not charged any premium for their participation in covering terrorism losses. 2. The following is added: Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year, and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro-rata basis in accordance with procedures established by the Treasury, based on its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. 3. The following is added: Application Of Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Part or Policy, such as losses excluded by the Pollution Exclusion, Nuclear Hazard Exclusion and the War And Military Action Exclusion. B. The following is added to Section F. LIABILITY AND MEDICAL EXPENSES DEFINITIONS: "Certified act of terrorism" means an act that is certified provisions of federal Terrorism Risk Insurance Act, to be TRIA for a "certified act of terrorism" include the following: Form SL 70 22 10 18 by the Secretary of the Treasury, in accordance with the an act of terrorism under TRIA. The criteria contained in © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RAMwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE -A HARTFORD a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and c. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals acting as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. Form SL 70 22 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THE -A HARTFORD EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) NOTICE: COVERAGE PROVIDED BY THIS COVERAGE PART IS CLAIMS MADE COVERAGE. EXCEPT AS OTHERWISE SPECIFIED HEREIN: COVERAGE APPLIES ONLY TO A CLAIM FIRST MADE AGAINST THE INSUREDS DURING THE POLICY PERIOD AND WHICH HAS BEEN REPORTED TO US IN ACCORDANCE WITH THE APPLICABLE NOTICE PROVISIONS. COVERAGE IS SUBJECT TO THE INSURED'S PAYMENT OF THE APPLICABLE DEDUCTIBLE. PAYMENTS OF CLAIM EXPENSES ARE SUBJECT TO, AND REDUCE, THE AVAILABLE LIMITS OF LIABILITY. PLEASE READ THE COVERAGE PART CAREFULLY AND DISCUSS THE COVERAGE WITH YOUR INSURANCE AGENT OR BROKER. UPON TERMINATION OF THIS COVERAGE PART, EXTENDED REPORTING PERIOD COVERAGE IS AVAILABLE. Quick Reference Beginning on Page SECTION I: INSURING AGREEMENT................................................................. 1 SECTION II: DEFINITIONS................................................................................. 1 SECTION III: EXCLUSIONS............................................................................... 5 SECTION IV: DISCOVERY CLAUSE................................................................... 6 SECTION V: EXTENDED REPORTING PERIOD .................................................. 6 SECTION VI: COVERAGE TERRITORY................................................................ 7 SECTION VII: LIMITS OF LIABILITY AND DEDUCTIBLE ........................................ 7 SECTION VIII: DUTIES IN EVENT OF CLAIM; DEFENSE AND SETTLEMENT .......... 8 SECTION IX: CONDITIONS............................................................................... 9 Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its i �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM (CLAIMS MADE) Various provisions in this Policy restrict coverage. Please read the entire Policy carefully to determine your rights, duties and what is and is not covered. Throughout this Coverage Part the words you and your refer to the "Named Insured" in the Declarations. The words we, us and our refer to the stock insurance company member of THE HARTFORD shown on the Declarations Page. Words and phrases that appear in quotation marks are defined in SECTION II - DEFINITIONS of this Coverage Part. In consideration of, and subject to, the payment of the premium by you and in reliance upon the accuracy and completeness of the "application", including but not limited to the statements, attachments and exhibits contained in and submitted with the "application", we agree with you, subject to all terms, exclusions and conditions of this Coverage Part, as follows: SECTION I - INSURING AGREEMENT Employment Practices Liability We shall pay "loss" on behalf of the "insureds" resulting from an "employment practices claim" first made against the "Insureds" during the "policy period" or Extended Reporting Period, if applicable, for an "employment practices wrongful act" by the "insureds". SECTION II — DEFINITIONS A. "Application" means the application for this Coverage Part, including any materials or information submitted therewith or made available to us during the underwriting process, which application shall be on file with us. Such "application" shall be deemed a part of this Coverage Part and attached hereto. In addition, "application" includes any warranty, representation or other statement provided to us within the past three years in connection with any policy or coverage part of which this Coverage Part is a renewal or replacement. B. "Benefits" means perquisites, fringe benefits, deferred compensation, severance pay and any other form of compensation (other than salaries, wages, or bonuses as a component of a front or back pay award). C. "Claim" means any "employment practices claim". D. "Claim expenses" means: 1. reasonable and necessary legal fees and expenses, including, but not limited to, e-discovery expenses, incurred in the defense or appeal of a "claim"; 2. "Extradition costs"; or 3. the costs of appeal, attachment or similar bonds, provided that we shall have no obligation to furnish such bonds. However, "claim expenses" shall not include: a. salaries, wages, remuneration, overhead or benefit expenses associated with any "insureds"; b. any fees, expenses or costs which are incurred by or on behalf of a party which is not a covered "insured"; or c. any fees, expenses or costs which were incurred prior to the date on which we received written notice of the "claim" from the "insured". E. "Controlled partnership" means a limited partnership in which and so long as the "named insured" owns or controls, directly or indirectly, more than 50% of the limited partnership interest and an "insured entity" is the sole general partner. F. "Damages" means the amounts, other than "claim expenses", that the "insureds" are legally liable to pay solely as a result of a "claim" covered by this Coverage Part, including: a F RA Mmaganad DMsian REVIEWED & APPROVED BY. - Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE -A HARTFORD 1. compensatory damages, including front pay and back pay; 2. settlement amounts; 3. pre- and post -judgment interest; 4. costs awarded pursuant to judgments; 5. punitive and exemplary damages; 6. the multiple portion of any multiplied damage award; or 7. liquidated damages under the Age Discrimination in Employment Act and the Family and Medical Leave Act. However, "damages" shall not include: a. taxes, fines or penalties imposed by law; b. non -monetary relief; c. "Benefits"; d. future compensation for any person hired, promoted, or reinstated pursuant to a judgment, settlement, order or other resolution of a "claim"; e. "Stock benefits"; f. costs associated with providing any accommodations required by the Americans with Disabilities Act or any similar law; or g. any other matters uninsurable pursuant to any applicable law; provided, however, that with respect to punitive and exemplary damages, or the multiple portion of any multiplied damage award, the insurability of such damages shall be governed by the internal laws of any applicable jurisdiction that most favors coverage of such damages. G. "Debtor in possession" means a "debtor in possession" as such term is defined in Chapter 11 of the United States Bankruptcy Code as well as any equivalent status under any similar law. H. "Domestic partner" means any natural person qualifying as a domestic partner under the provisions of any applicable federal, state or local law or any domestic partner relationship arrangement recognized outside of the United States and under the Human Resource policy of the "insured entity". I. "Employee" means any natural person who was, is or shall become a(n): 1. employee of an "insured entity" including any part time, seasonal, temporary, leased, or loaned employee; or 2. volunteer or intern with an "insured entity". J. "Employee data privacy wrongful act" means: 1. the failure to prevent any unauthorized access to or use of data containing "Private Employment Information" of any "Employee" or applicant for employment with the "Insured Entity" including any such failure that directly results in a violation with respect to the privacy of such "Employee's" or applicant's medical information under the Health Insurance Portability and Accountability Act (HIPAA) or credit information under the Fair Credit Reporting Act (FCRA); or 2. the failure to notify any "employee" or applicant for employment with the "insured entity" of any actual or potential unauthorized access to or use of "private employment information" of any "employee" or applicant for employment with the "insured entity", if such notice was required by state or federal regulation or statute. K. "Employment practices claim" means any: 1. written demand for monetary damages or other civil non -monetary relief commenced by the receipt of such demand, including, without limitation, a written demand for employment reinstatement; 2. civil proceeding, including an arbitration or other alternative dispute resolution proceeding, commenced by the service of a complaint, filing of a demand for arbitration, or similar pleading; or 3. formal administrative or regulatory proceeding, including, without limitation, a proceeding before the Equal Employment Opportunity Commission or similar governmental agency, commenced by the filing of a notice of charges, formal investigative order or similar document; Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE -A HARTFORD by or on behalf of an "employee", an applicant for employment with an "insured entity", or an "independent contractor". "Employment practices claim" also means the receipt of a notice of violation, order to show cause, or a written demand for monetary or injunctive relief that is the result of an audit conducted by the United States Office of Federal Contract Compliance Programs. "Employment practices claim" also means a written request to the "insureds" to toll or waive a statute of limitations regarding a potential "Employment practices claim" as described above. Such "claim" shall be commenced by the receipt of such request. However, "employment practices claim" shall not include any labor or grievance proceeding or arbitration that is subject to a collective bargaining agreement. L. "Employment practices wrongful act' means: 1. wrongful dismissal, discharge, or termination of employment (including constructive dismissal, discharge, or termination), wrongful failure or refusal to employ or promote, wrongful discipline or demotion, failure to grant tenure, negligent employment evaluation, or wrongful deprivation of career opportunity; 2. sexual or other workplace harassment, including bullying in the workplace, quid pro quo and hostile work environment; 3. employment discrimination, including discrimination based upon age, gender, race, color, creed, marital status, sexual orientation or preference, gender identity or expression, genetic makeup, or refusal to submit to genetic makeup testing, pregnancy, disability, HIV or other health status, Vietnam Era Veteran or other military status, or other protected status established under federal, state, or local law; 4. "Retaliation"; 5. breach of any oral, written, or implied employment contract, including, without limitation, any obligation arising from a personnel manual, employee handbook, or policy statement; or 6. violation of the Family and Medical Leave Act. "Employment practices wrongful act" also means the following, but only when alleged in addition to or as part of any "employment practices wrongful act' described above: a. employment -related wrongful infliction of mental anguish or emotional distress; b. failure to create, provide for or enforce adequate or consistent employment -related policies and procedures; c. negligent retention, supervision, hiring or training; d. employment -related invasion of privacy, defamation, or misrepresentation; or e. an "employee data privacy wrongful act'. M. "ERISA" means the Employee Retirement Income Security Act of 1974 N. "Extradition costs" means reasonable and necessary fees and expenses directly resulting from a "claim" in which an "insured person" lawfully opposes, challenges, resists or defends against any request for the extradition of such "insured person" from his or her current country of employ and domicile to any other country for trial or otherwise to answer any criminal accusation, including the appeal of any order or other grant of extradition of such "insured person". O. "Financial insolvency" means the status of an "insured entity" as a result of: 1. the appointment of any conservator, liquidator, receiver, rehabilitator, trustee, or similar official to control, supervise, manage or liquidate such "insured entity"; or 2. such "insured entity" becoming a "debtor in possession". P. "Independent contractor" means any natural person working in the capacity of an independent contractor pursuant to an "independent contractor agreement'. Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD Q. "Independent contractor agreement" means any express contract or agreement between an "independent contractor" and an "insured entity" specifying the terms of the "insured entity's" engagement of such "independent contractor". R. "Insured entity" means: 1. the "named insured"; or 2. any "subsidiary". "Insured entity" shall include any such entity as a "debtor in possession". "Insured entity" shall also include any such entity in its capacity as a general partner of a "controlled partnership". S. "Insured person" means any: 1. "Employee"; 2. "Manager"; or 3. regarding the Employment Practices Liability Insuring Agreement, an "independent contractor" provided that within 30 days of an "employment practices claim" having been made against such "independent contractor" that the "insured entity" agrees in writing to indemnify such "independent contractor" for any "loss" arising out of such "claim". T. "Insureds" means any: 1. "Insured entity"; or 2. "Insured person". U. "Interrelated wrongful acts" means "wrongful acts" that have as a common nexus any fact, circumstance, situation, event, transaction, goal, motive, methodology, or cause or series of causally connected facts, circumstances, situations, events, transactions, goals, motives, methodologies or causes. V. "Loss" means "claim expenses" and "damages". W. "Manager" means any natural person who was, is or shall become a(n): 1. duly elected or appointed director, advisory director, board observer, advisory board member, officer, member of the board of managers or management committee member of an "insured entity"; 2. "Employee" in his/her capacity as legal counsel to an "insured entity"; or 3. executive of an "insured entity" created outside the United States to the extent that such executive holds a position equivalent to those described in 1. or 2. above. X. "Named insured" means the individuals, partnerships or corporations designated in the Declarations. Y. "Notice manager" means the natural persons in the offices of the chief executive officer, chief financial officer, general counsel, risk manager, human resources manager or any equivalent position to the foregoing, of an "Insured Entity". Z. "Policy period" means the period from the Effective Date to the Expiration Date set forth in the Declarations or any earlier cancellation date. AA."Private employment information" means any information regarding an "employee" or applicant for employment with the "insured entity", which is collected or stored by an "insured" for the purposes of establishing, maintaining or terminating an employment relationship. BB."Retaliation" means adverse treatment of an "employee" or "independent contractor" based upon such person: 1. exercising any rights under law, including, without limitation, rights under any workers compensation laws, the Family and Medical Leave Act, "ERISA", or the Americans with Disabilities Act; 2. refusing to violate any law; 3. assisting, testifying, or cooperating with a proceeding or investigation regarding alleged violations of law by any "insured"; Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY: f R. W&Wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE -A HARTFORD 4. disclosing or threatening to disclose alleged violations of law to a superior or to any governmental agency; or 5. filing any whistle blower claim against any "insured" under the federal False Claims Act, the Sarbanes-Oxley Act of 2002, or any similar law. CC."Stock benefits" means any offering, plan or agreement between an "insured entity" and any "employee" that grants stock, stock options or stock appreciation rights in the "insured entity" to such person, including, without limitation, restricted stock or any other stock grant. "Stock benefits" shall not include employee stock ownership plans or employee stock purchase plans. DD."Subsidiary" means any: 1. corporation in which and so long as the "named insured" owns or controls, directly or indirectly, more than 50% of the outstanding securities representing the right to vote for the election of the board of directors of such corporation; 2. limited liability company in which and so long as the "named insured" owns or controls, directly or indirectly, the right to elect, appoint or designate more than 50% of such entity's managing members; 3. a "controlled partnership"; 4. corporation operated as a joint venture in which and so long as the "named insured" owns or controls, directly or indirectly, exactly 50% of the issued and outstanding voting stock and which, pursuant to a written agreement with the owner(s) of the remaining issued and outstanding voting stock of such corporation, the "named insured" solely controls the management and operation of such corporation; or 5. foundation, charitable trust or political action committee in which and so long as such entity or organization is controlled by the "named insured" or any "subsidiary" as defined in 1. through 4. above. EE. "Wage and hour violation" means any actual or alleged violation of the duties and responsibilities that are imposed upon an "insured" by any federal, state or local law or regulation anywhere in the world, including but not limited to the Fair Labor Standards Act or any similar law (except the Equal Pay Act), which govern wage, hour and payroll practices. Such practices include but are not limited to: 1. the calculation and payment of wages, overtime wages, minimum wages and prevailing wage rates; 2. the calculation and payments of benefits; 3. the classification of any person or organization for wage and hour purposes; 4. reimbursing business expenses; 5. the use of child labor; or 6. garnishments, withholdings and other deductions from wages. FF. "Wrongful act" means any actual or alleged "employment practices wrongful act". SECTION III - EXCLUSIONS A. We shall not pay "Loss": 1. for bodily injury, sickness, disease, death, false arrest or imprisonment, abuse of process, malicious prosecution, trespass, nuisance or wrongful entry or eviction, or for injury to or destruction of any tangible property including loss of use or diminution of value thereof; provided, however, that this exclusion shall not apply to that portion of "loss" that directly results from mental anguish or emotional distress when alleged in connection with an otherwise covered "employment practices wrongful act"; 2. for any actual or alleged "wrongful act" by "insured persons" of any "subsidiary" in their capacities as such, or by any "subsidiary", if such "wrongful act" actually or allegedly occurred when such entity was not a "subsidiary"; 3. in connection with any "claim" based upon, arising from, or in any way related to any: a. prior or pending demand, suit, or proceeding against any "insured" as of, or b. audit initiated by the United States Office of Federal Contract Compliance Programs before, Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM the effective date of the first Employment Practices by us, or the same or substantially similar fact, demand, suit, proceeding, or audit; THE -A HARTFORD Liability Coverage Part issued and continuously renewed circumstance, or situation underlying or alleged in such 4. in connection with any "claim" based upon, arising from, or in any way related to any fact, circumstance, or situation that, before the Effective Date in the Declarations, was the subject of any notice given under any other employment practices liability policy, management liability policy or other insurance policy which insures "wrongful acts" covered under this Coverage Part; 5. in connection with any "claim" based upon, arising from, or in any way related to the liability of others assumed by an "insured" under any contract or agreement; provided, however, this exclusion shall not apply to liability that would have been incurred in the absence of such contract or agreement; 6. for breach of any "independent contractor agreement"; or 7. for a lockout, strike, picket line, hiring of replacement workers or similar action in connection with any labor dispute, labor negotiation or collective bargaining agreement. B. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to: 1. any claims for unpaid wages (including overtime pay), workers' compensation benefits, unemployment compensation, disability benefits, or social security benefits; 2. any actual or alleged violation of the Worker Adjustment and Retraining Notification Act, the National Labor Relations Act, the Occupational Safety and Health Act, the Consolidated Omnibus Budget Reconciliation Act of 1985, "ERISA", or any similar law; or 3. any "wage and hour Violation" Provided, however, that this exclusion B. shall not apply to that portion of "loss" that represents a specific amount the "insureds" become legally obligated to pay solely for a "wrongful act" of "retaliation". C. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to liability incurred for breach of any oral, written, or implied employment contract; provided, however, that this exclusion shall not apply to liability that would have been incurred in the absence of such contract nor shall it apply to the portion of "loss" representing "claim expenses" incurred to defend against such liability. SECTION IV - DISCOVERY CLAUSE If, during the "policy period", the "insureds" become aware of a "wrongful act" that may reasonably be expected to give rise to a "claim", and, if written notice of such "wrongful act" is given to us during the "policy period", including the reasons for anticipating such a "claim", the nature and date of the "wrongful act", the identity of the "insureds" allegedly involved, the alleged injuries or damages sustained, the names of potential claimants, and the manner in which the "insureds" first became aware of the "wrongful act", then any "claim" subsequently arising from such "wrongful act" shall be deemed to be a "claim" first made during the "policy period" on the date that we receive the above notice. SECTION V - EXTENDED REPORTING PERIOD Subject to provisions A. through G. below, if this Coverage Part is canceled or non -renewed other than for non- payment of premium, you shall have the right to purchase an extended period to report "claims" under this Coverage Part for any "claim" first made during the period of time set forth in the Supplemental Extended Reporting Period Endorsement, and following the effective date of such cancellation or nonrenewal and reported in writing during such period or within sixty (60) days thereafter, but only with respect to any "wrongful act" which takes place prior to the effective date of such cancellation or nonrenewal. A. The Extended Reporting Period shall be effective only upon the payment of an additional premium. The additional premium will be 200% of the annual advance premium for this coverage. At the commencement of the Extended Reporting Period, the entire premium thereof shall be deemed fully earned and non-refundable. B. The quotation of a different premium or deductible or limit of liability for renewal is not a cancellation or refusal to renew for the purposes of this provision. Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY: f R. Vj&wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE -A HARTFORD C. You shall have no right to purchase the Extended Reporting Period, unless you have satisfied all conditions of the Coverage Part and all premiums and deductibles outstanding have been paid. D. Your right to purchase the Extended Reporting Period shall terminate unless written notice together with full payment of the premium for the Extended Reporting Period is given to us no later than sixty (60) days following the effective date of cancellation or nonrenewal. E. The fact that the period of time to report "claims" is extended by virtue of the Extended Reporting Period shall not increase or reinstate the Limit of Liability stated in the Declarations. F. Extended Reporting Periods do not extend the "policy period" or change the scope of coverage provided. They apply only to "wrongful acts" that occur before the end of the "policy period". "Claims" for such injury which are first received within sixty (60) days after the "policy period", or during the Extended Reporting Period if in effect, will be deemed to have been made on the last date of the "policy period". G. Once in effect, Extended Reporting Periods may not be canceled by us. SECTION VI -COVERAGE TERRITORY Coverage under this Coverage Part applies worldwide, provided that the "claim" is made and any legal action is pursued within the Unites States, its territories, possessions or commonwealths, or Canada. SECTION VII - LIMITS OF LIABILITY AND DEDUCTIBLE A. The maximum we will pay for each "claim" under this Coverage Part is the Each Claim Limit of Liability stated in the Declarations, subject to the Annual Aggregate Limit of Liability stated in the Declarations. The maximum we will pay for all "claims" under this Coverage Part is the Annual Aggregate Limit of Liability stated in the Declarations, regardless of the number of "claims". If the applicable Limit of Liability for this Coverage Part is exhausted, the premium for this Coverage Part shall be deemed fully earned. "Claim expenses" shall be part of, and not in addition to, the Limits of Liability. Payment of "claim expenses" by us shall reduce each Limit of Liability. B. We shall pay "loss" in excess of the Deductible applicable to each "claim" as specified on the Declarations. C. All Deductibles shall be borne by the "insureds" at their own risk; they shall not be insured. D. The Deductible shall apply to "claim expenses" covered hereunder. If, any "claim expenses" are incurred by us prior to the "insured's" complete payment of the Deductible, then the "insureds" shall reimburse us therefor upon our request. E. No Deductible shall apply to "loss" incurred by any "insured person" that an "insured entity" is not permitted by common or statutory law to indemnify, or is permitted or required to indemnify, but is not able to do so by reason of "financial insolvency". F. If an "insured entity" is permitted or required by common or statutory law to indemnify an "insured person" for any "loss", or to advance "claim expenses" on their behalf, and does not do so other than because of "financial insolvency", then such "insured entity" and the "named insured" shall reimburse and hold us harmless for our payment or advancement of such "loss" up to the amount of the Deductible that would have applied if such indemnification had been made. G. If a "subsidiary" is unable to indemnify an "insured person" for any "loss", or to advance "claim expenses" on their behalf, because of "financial insolvency", then the "named insured" shall reimburse and hold us harmless for our payment or advancement of such "loss" up to the amount of the applicable Deductible that would have applied if such indemnification had been made. The Limit of Liability for this Coverage Part applies separately to each consecutive annual period and to any remaining period of less than twelve (12) months starting with the beginning of the "policy period" shown in the Declarations, unless the "policy period" is extended after issuance for an additional period of less than twelve (12) months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limit of Liability. Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMwaganadDMsfan REVIEWED & APPROVED BY: f R. W&Wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD SECTION VIII - DUTIES IN THE EVENT OF CLAIM; DEFENSE AND SETTLEMENT A. We shall have the right and duty to defend "claims" covered under this Coverage Part, even if such "claim" is groundless, false or fraudulent, provided that: 1. the "insureds" give notice to us in accordance with the applicable notice provisions; and 2. such "claim" does not involve allegations, in whole or in part, of a "wage and hour violation". For any "claim" involving allegations, in whole or in part, of a "wage and hour violation", it shall be the duty of the "insureds", and not our duty, to defend such "claim". B. If we have the duty to defend a "claim", our duty to defend such "claim" shall cease upon exhaustion of any applicable Limit of Liability. C. The "insureds" shall not admit or assume any liability, make any settlement offer or enter into any settlement agreement, stipulate to any judgment, or incur any "claim expenses" regarding any "claim" without our prior written consent, such consent not to be unreasonably withheld. We shall not be liable for any admission, assumption, settlement offer or agreement, stipulation, or "claim expenses" to which we have not consented. D. We shall have the right to associate ourself in the defense and settlement of any "claim" that appears reasonably likely to involve this Coverage Part. We may make any investigation we deem appropriate in connection with any "claim". We may, with the written consent of the "insureds", settle any "claim" for a monetary amount that we deem reasonable. E. The "insureds" shall give to us all information and cooperation as we may reasonably request. However, if we are, in our sole discretion, able to determine coverage for cooperating "insureds", the failure of one "insured person" to cooperate with us shall not impact coverage provided to cooperating "insureds". F. With respect to a covered "claim" for which we do not have the duty to defend, we shall advance "claim expenses" in accordance with Section VIII I. that we believe to be covered under this Coverage Part until a different allocation is negotiated, arbitrated or judicially determined. G. Required Notice to Us As a condition precedent to coverage under this Coverage Part, the "insureds" shall give us written notice of any "claim" as soon as practicable after a "notice manager" becomes aware of such "claim", but in no event later than: 1. if this Coverage Part expires or is otherwise terminated without being renewed with us, ninety (90) days after the effective date of said expiration or termination; or 2. subject to SECTION V, the expiration of the Extended Reporting Period, if applicable; provided, however, that if the Coverage Part is cancelled for non-payment of premium, the "insured" will give us written notice of such "claim", prior to the effective date of cancellation. However, with regard to any "employment practices claim" which is brought as a formal administrative or regulatory proceeding, including, without limitation, a proceeding before the Equal Employment Opportunity Commission or similar governmental agency, commenced by the filing of a notice of charges, formal investigative order or similar document, as a condition precedent to coverage under this Coverage Part the "insureds" shall give us written notice of any "claim" as soon as practicable after a "notice manager" becomes aware of such "claim", but in no event later than: 3. if this Coverage Part is renewed, no more than 180 days after a "notice manager" becomes aware of such "claim"; or 4. if this Coverage Part expires or is otherwise terminated without being renewed with us, ninety (90) days after the effective date of said expiration or termination; or 5. subject to SECTION V, the expiration of the Extended Reporting Period, if applicable; provided, if the Coverage Part is cancelled for non-payment of premium, the "insured" will give us written notice of such "claim", prior to the effective date of cancellation. Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY: f R. Vj&wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE -A HARTFORD H. Subrogation 1. We shall be subrogated to all of the "insureds"' rights of recovery regarding any payment of "loss" by us under this Coverage Part. The "insureds" shall execute all papers required and do everything necessary to secure and preserve such rights, including the execution of any documents necessary to enable us to effectively bring suit in the name of the "insureds". The "insureds" shall do nothing to prejudice our position or any potential or actual rights of recovery. 2. We shall not exercise our rights of subrogation against an "insured person" under this Coverage Part unless such "insured person" has: a. obtained any personal profit, remuneration or advantage to which such "insured person" was not legally entitled, or b. committed a criminal or deliberately fraudulent act or omission or any willful violation of law, if a judgment or other final adjudication establishes such personal profit, remuneration, advantage, act, omission, or violation. I. Allocation Where "insureds" who are afforded coverage for a "claim" incur an amount consisting of both "loss" that is covered by this Coverage Part and also loss that is not covered by this Coverage Part, because such "claim" includes both covered and uncovered matters, then coverage shall apply as follows: 1. with respect to a covered "claim" for which we have the duty to defend: a. 100% of the "insured's" "claim expenses" shall be allocated to covered "loss"; and b. All other "loss" shall be allocated between covered "loss" and non -covered loss based upon the relative legal exposure of all parties to such matters. 2. with respect to a covered "claim" for which we do not have the duty to defend, all "loss" shall be allocated between covered "loss" and non -covered loss based upon the relative legal exposure of all parties to such matters. SECTION IX - CONDITIONS A. Coverage Part Priority; Headings If any provision in this Coverage Part is inconsistent or in conflict with the terms and conditions of any provisions in this Policy, the terms and conditions of this Coverage Part shall control only for purposes of determining coverage hereunder. The headings of the various sections of this Coverage Part are intended for reference only and shall not be part of the terms and conditions of coverage. B. Notice Addresses 1. All notices to the "insureds" shall be sent to the first "named insured" at the address specified in the Declarations. 2. All notices to us shall be sent to the address specified in the Declarations. Any such notice shall be effective upon receipt by us at such address. C. Spousal/Domestic Partner Liability Coverage Coverage shall apply to the lawful spouse or "domestic partner" of an "insured person" for a "claim" made against such spouse or "domestic partner", provided that: 1. such "claim" arises solely out of: a. such person's status as the spouse or "domestic partner" of an "insured person"; or b. such spouse or "domestic partner's" ownership of property sought as recovery for a "wrongful act"; 2. the "insured person" is named in such "claim" together with the spouse or "domestic partner"; and 3. coverage of the spouse or "domestic partner" shall be on the same terms and conditions, including any applicable Deductible , that applies to coverage of the "insured person" for such "claim". No coverage shall apply to any "claim" for a "wrongful act" of such spouse or "dorr oRa RiskMmaganadDMsian Form SL 55 02 10 18 z REVIEWED & APPROVED SY: © 2018, The Hartford F s" R. MmAd (May include copyrighted material of Insurance Services Office, Inc., with its r Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD D. Estates and Legal Representatives In the event of the death, incapacity or bankruptcy of an "insured person", any "claim" made against the estate, heirs, legal representatives or assigns of such "insured person" for a "wrongful act" of such "insured person" shall be deemed to be a "claim" made against such "insured person". No coverage shall apply to any "claim" for a "wrongful act" of such estate, heirs, legal representatives or assigns. E. Minimum Standards In the event that there is an inconsistency between: 1. the terms and conditions that are required to meet minimum standards of a state's law (pursuant to a state amendatory endorsement attached to this Coverage Part ), and 2. any other term or condition of this Coverage Part, it is understood and agreed that, where permitted by law, we shall apply those terms and conditions of 1. or 2. above that are more favorable to the "insured". F. Other Insurance 1. The coverage provided under this Coverage Part for any "employment practices claim" shall be primary. 2. Notwithstanding the above, the coverage provided under this Coverage Part for any "employment practices claim" made against a temporary, leased or loaned "employee" or an "independent contractor" shall be excess of the amount of any deductible, retention and limits of liability under any other policy or policies applicable to such "claim", whether such other policy or policies are stated to be primary, contributory, excess, contingent or otherwise, unless such other insurance is written specifically excess of this Policy by reference in such other policy or policies to this Policy's Policy number. G. Interrelationship of Claims All "claims" based upon, arising from or in any way related to the same "wrongful act" or "interrelated wrongful acts" shall be deemed to be a single "claim" for all purposes under this Coverage Part first made on the earliest date that: 1. any of such "claims" was first made, regardless of whether such date is before or during the "policy period"; 2. notice of any "wrongful act" described above was given to us under this Coverage Part pursuant to Sections IV or VIII; or 3. notice of any "wrongful act" described above was given under any prior insurance policy. H. Deductible Waiver Regarding a "claim" that is a class action civil proceeding, no Deductible shall apply to "claim expenses" incurred in connection with such "claim", and we shall reimburse the "insureds" for any covered "claim expenses" paid by the "insureds" within the Deductible otherwise applicable to such "claim", if a: 1. final adjudication with prejudice pursuant to a trial, motion to dismiss or motion for summary judgment; or 2. complete and final settlement with prejudice; establishes that none of the "insureds" in such "claim" are liable for any "loss". I. Application 1. The "insureds" represent that the Declarations and statements contained in the "application" are true, accurate and complete. This Coverage Part is issued in reliance upon the "application". 2. If the "application" contains intentional misrepresentations or misrepresentations that materially affect the acceptance of the risk by us no coverage shall be afforded under this Coverage Part for any "insureds" who knew on the Effective Date of this Coverage Part of the facts that were so misrepresented, provided that: a. knowledge possessed by any "insured person" shall not be imputed to any other "insured person"; and 10 Form SL 55 02 10 18 knowledge possessed by any of your chief executive officer, general counsel, chief financial officer, human resources director or any position equivalent to the foregoing of the "named insured", or anyone signing the "application", shall be imputed to all "insured entities". No other person's knowledge shall be imputed to an "insured entity". a F Risk Manage meet Division REVIEWED & APPROVED BY. - Risk Management Analyst © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD J. Changes in Exposure 1. Acquisitions or Created Subsidiaries If, before or during the "policy period", any "insured entity" acquires or creates a "subsidiary", then such acquired or created entity and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, shall be "insureds" to the extent such entities and persons would otherwise qualify as "insureds" under this Coverage Part„ but only for "wrongful acts" occurring after such acquisition or creation. No coverage shall be available for any "wrongful act" of such "insureds" occurring before such acquisition or creation, or for any "interrelated wrongful acts" thereto. However, if the fair value of the assets of any such acquired or created entity exceed 25% of the total assets of the "named insured" as reflected in its most recent consolidated financial statements prior to such acquisition or creation, then, as a condition precedent to coverage hereunder, the "insureds" shall give us written notice and full, written details of the acquisition or creation as soon as practicable (but, in all cases, within ninety (90) days of such acquisition or creation). There shall be no coverage under any renewal or replacement of this Coverage Part for any such new "subsidiary" and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, unless the "insureds" comply with the terms of this provision. 2. Mergers If, before or during the "policy period", any "insured entity" merges with another entity such that the "insured entity" is the surviving entity, then such merged entity and its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, shall be "insureds" to the extent such entities and persons would otherwise qualify as "insureds" under this Coverage Part, but only for "wrongful acts" occurring after such merger. No coverage shall be available for any "wrongful act" of such "insureds" occurring before such merger or for any "interrelated wrongful acts" thereto. However, if the fair value of the assets of any newly merged entity exceed 25% of the total assets of the "named insured" as reflected in its most recent consolidated financial statements prior to such merger, then, as a condition precedent to coverage hereunder, the "insureds" shall give us written notice and full, written details of the merger as soon as practicable (but, in all cases, within ninety (90) days of such merger). There shall be no coverage under any renewal or replacement of this Coverage Part for any newly merged entity or any of its subsidiaries, and any natural persons that would qualify as "insured persons" thereof, unless the "insureds" comply with the terms of this provision. 3. Takeover of Named Insured If, before or during the "policy period": a. the "named insured" merges into or consolidates with another entity such that the "named insured" is not the surviving entity; or b. more than 50% of the securities representing the right to vote for the "named insured's" board of directors or managers is acquired by another person or entity, group of persons or entities, or persons and entities acting in concert, then coverage shall continue under this Coverage Part, but only for "wrongful acts" occurring before any such transaction. No coverage shall be available for any "wrongful act" occurring after such transaction. Upon such transaction, this Coverage Part shall not be cancelled and the entire premium for this Coverage Part shall be deemed fully earned. The "insured" shall give us written notice and full, written details of such transaction as soon as practicable (but, in all cases, within ninety (90) days of such transaction). If any transaction described herein occurs, then we will not be obligated to offer any renewal or replacement of this Coverage Part. 4. Loss of Subsidiary Status If, before or during the "policy period", any entity ceases to be a "subsidiary", then coverage shall be available under this Coverage Part for such "subsidiary" and its "insured persons", but only for a "wrongful act" of such "insureds" occurring before such transaction. No coverage shall be available for any "wrongful act" of such "insureds" occurring after such transaction. Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM THE HARTFORD K. References To Laws 1. Wherever this Coverage Part mentions any law, including, without limitation, any statute, Act or Code of the United States, such mention shall be deemed to include all amendments of, and all rules or regulations promulgated under, such law. 2. Wherever this Coverage Part mentions any law or laws, including, without limitation, any statute, Act or Code of the United States, and such mention is followed by the phrase "or any similar law", such phrase shall be deemed to include all similar laws of all jurisdictions throughout the world, including, without limitation, statutes and any rules or regulations promulgated under such statutes as well as common law. L. Action Against Us 1. No action shall be taken against us unless there shall have been full compliance with all the terms and conditions of this Coverage Part. 2. No person or organization shall have any right under this Coverage Part to join us as a party to any "claim" against the "insureds" nor shall we be impleaded by the "insureds" in any such "claim". M. Entire Agreement This Coverage Part, the "application" and any written endorsements attached hereto, along with the Declarations constitute the entire agreement between you and us relating to this Coverage Part's insurance. N. Bankruptcy or Insolvency Bankruptcy or insolvency of any "insureds" shall not relieve us of any of our obligations under this Coverage Part. O. Authorization of First Named Insured The first "named insured" shall act on behalf of all "Insureds" with respect to all matters under this Coverage Part, including, without limitation, giving and receiving of notices regarding "claims", cancellation, election of the Extended Reporting Period, payment of premiums, receipt of any return premiums, and acceptance of any endorsements to this Coverage Part. P. When We Do Not Renew 1. If we decide not to renew this Coverage Part, we will mail or deliver to the first "named insured" shown in the Declarations written notice of the nonrenewal not less than thirty (30) days before the expiration date. 2. If notice is mailed, proof of mailing will be sufficient proof of notice. 3. Any state amendatory endorsement changing Nonrenewal Conditions for any part of this Policy shall also apply to this Coverage Part. Form SL 55 02 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD WAGE AND HOUR CLAIMS EXPENSES - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM Exclusion B. in SECTION III - EXCLUSIONS is deleted and replaced by the following: B. We shall not pay "loss" in connection with any "claim" based upon, arising from, or in any way related to: 1. any claims for unpaid wages (including overtime pay), workers' compensation benefits, unemployment compensation, disability benefits, or social security benefits; 2. any actual or alleged violation of the Worker Adjustment and Retraining Notification Act, the National Labor Relations Act, the Occupational Safety and Health Act, the Consolidated Omnibus Budget Reconciliation Act of 1985, "ERISA", or any similar law; or 3. any "wage and hour violation". Provided, however, that this Exclusion B. shall not apply to that portion of "loss" that represents: a. a specific amount the "insureds" become legally obligated to pay solely for a "wrongful act" of "retaliation"; or b. "Claims expenses" incurred to defend a "wage and hour violation" referenced in sub -paragraph 3. above subject to a Sub -Limit of Liability of $25,000 that is part of, and not in addition to, the Limits of Liability applicable to this Coverage Part (the Wage and Hour Defense Costs Sub -Limit). Moreover: 1. SECTION VIII.1.2. of this Coverage Part notwithstanding, 100% of the "insured's" "claims expenses" covered pursuant to this sub -paragraph b. shall be allocated to covered "loss" until the Wage and Hour Defense Costs Sub -Limit is exhausted. Once the Wage and Hour Defense Costs Sub -Limit is exhausted, allocation shall continue in accordance with SECTION VIII.1.2.; 2. the Wage and Hour Defense Costs Sub -Limit is available notwithstanding the fact that a "wage and hour violation" is not an "employment practices wrongful act"; and 3. the Wage and Hour Defense Costs Sub -Limit is only available for "claim expenses" incurred to defend a "wage and hour violation" that occurred on or after the "retroactive date" and before the end of the "policy period", regardless of whether any such "claim" for a "wage and hour violation" is made during the "policy period" or the Extended Reporting Period, if applicable. All other terms and conditions of this Coverage Part remain unchanged. Form SL 55 34 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD THIRD PARTY LIABILITY ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM SECTION I - INSURING AGREEMENT of this Coverage Part is amended to include the following: Third Party Liability We shall pay "loss" on behalf of the "insureds" resulting from a "third party claim" first made against the "insureds" during the "policy period" or the Extended Reporting Period, if applicable, for a "third party wrongful act" by the "insureds." SECTION II - DEFINITIONS of this Coverage Part is amended in the following manner: A. The definition of "claim" is amended to include the following: "Claim" also means any "third party claim". B. The definition of "wrongful act" is amended to include the following: "Wrongful act" also means any actual or alleged "third party wrongful act". C. The following definitions are added: "Third party" means any natural person who is a customer, vendor, service provider or other business invitee of an "insured entity". "Third party" shall not include "employees". "Third party claim" means any: 1. written demand for monetary damages or other civil non -monetary relief commenced by the receipt of such demand; 2. civil proceeding, including an arbitration or other alternative dispute resolution proceeding, commenced by the service of a complaint, filing of a demand for arbitration, or similar pleading; or 3. Formal administrative or regulatory proceeding commenced by the filing of a notice of charges, formal investigative order or similar document; by or on behalf of a "third party". "Third party claim" also means a written request to the "insureds" to toll or waive a statute of limitations regarding a potential "third party claim" as described above. Such "claim" shall be commenced by the receipt of such request. "Third party wrongful act" means: 1. discrimination against a "third party" based upon age, gender, race, color, national origin, religion, creed, marital status, sexual orientation or preference, pregnancy, disability, HIV or other health status, Vietnam Era Veteran or other military status, or other protected status established under federal, state or local law; or 2. sexual harassment or other harassment of a "third party", including unwelcome sexual advances, requests for sexual favors or other conduct of a sexual nature. III. The following exclusion is added to SECTION III - EXCLUSIONS: We shall not pay "loss" in connection with any "third party claim" based upon, arising from or in any way related to any price discrimination or violation of any anti-trust law or any similar law designed to protect competition or prevent unfair trade practices. All other terms and conditions of this Coverage Part remain unchanged. Form SL 55 36 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD RETROACTIVE DATE ENDORSEMENT - EMPLOYMENT PRACTICES LIABILITY This endorsement modifies insurance provided under the following: EMPLOYMENT PRACTICES LIABILITY COVERAGE FORM SECTION I - INSURING AGREEMENT of this Coverage Part is amended to include the following: This Coverage Part applies only to "claims" for "wrongful acts" that occurred on or after the "retroactive date" set forth in the Declarations and before the end of the "policy period", regardless of whether such "claim" is made during the "policy period" or the Extended Reporting Period, if applicable. The following definition is added to SECTION II - DEFINITIONS of this Coverage Part: "Retroactive date" means the date specified in the Declarations. If no date is specified, the "retroactive date" will be the same as the Effective Date of this Coverage Part. All other terms and conditions of this Coverage Part remain unchanged. Form SL 55 37 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY: f R. W&Wd Risk Management Analyst Insurance Policy Billing Information Thank you for selecting The Hartford for your business insurance needs. Shortly, you will receive your first bill from us. You are receiving this Notice so you know what to expect as a valued customer of The Hartford. Should you have any questions after reviewing this information, please contact us at 866-467-8730, and we will be happy to assist you. o Your total policy premium will appear on your policy's Declarations Page. You will be billed based on the payment plan you selected. o You may pay the "minimum due" as it appears on your insurance bill or pay the policy balance in full. o An installment service fee is added to each installment. A late fee will also be applied if the "minimum due" is not received by the due date shown on your bill. Service and late payment fees do not apply in all states. o If you selected installment billing, any credit or additional premium due as the result of a change made to your policy, will be spread over the remaining billing installments. Additional premium due as a result of an audit will be billed in full on your next bill date following the completion of the audit. o If you elected Electronic Funds Transfer (EFT), policy changes may result in changes to the amount automatically withdrawn from your bank account. The invoice you receive following a policy change will include future withdrawal amounts. If you need to adjust or stop your next scheduled EFT withdrawal, please contact us at least 3 days prior to the scheduled withdrawal date at the telephone number shown below. o If you selected installment billing and pay the premiums for your first policy term on time, at renewal, your account may qualify for our "Equal Installment" feature. This means that the percentage due for each installment, including the initial renewal installment, will be the same throughout the policy term — helping you better manage cash flow. Equal installments will continue as long as you pay your premiums on time and no cancellation notices are issued for any policy on your account. If you no longer qualify for Equal Installments, future renewals will be billed based on the payment plan you selected, which includes a higher initial installment amount. o If your policy is eligible for renewal, your bill for the upcoming policy term will be sent to you approximately 30 days prior to your policy's renewal date. If your insurance needs change, please contact us at least 60 days prior to your renewal date so we can properly address any adjustments needed. o One bill convenience -- you have the option of combining all eligible Hartford policies on one single bill allowing you to make one payment for all policies on your account as payments are due. You're In Control In addition to selecting a bill plan option that best meets your budget, you have the flexibility to decide how your payments are made ... o Repetitive EFT: Sign up for Repetitive EFT payments and have payments automatically withdrawn from your bank account. This option saves you money by reducing the amount of the installment service fee. o Pay Online: Register at www.thehartford.com/servicecenter. Online Bill Pay is Quick, Easy and Secure! o Pay by Check: Send a check with your remittance stub in the envelope provided with your bill. o Pay by Phone: Call toll -free 1-866-467-8730. Should you have any questions about your bill, please call Customer Service toll -free number: 1-866-467-8730 - 7AM — 7PM CST. We look forward to being of service to you. Form 100722 11th Rev. Printed in U.S.A. �oRaN } z RAMmVmedDMsiun REVIEWED & APPROVED BY.- f R. V;&wd Risk Management Analyst COMMON POLICY CONDITIONS DECLARATIONS AND COMMON POLICY CONDITIONS I. DECLARATIONS Named Insured and Mailing Address Policy Period Description and Business Location Coverages and Limits of Insurance II. COMMON POLICY CONDITIONS QUICK REFERENCE - SPECTRUM POLICY Beginning on Page A. Cancellation 1 B. Changes 2 C. Concealment, Misrepresentation Or Fraud 2 D. Examination Of Your Books And Records 2 E. Inspections And Surveys 2 F. Insurance Under Two Or More Coverages 2 G. Liberalization 2 H. Premiums 2 I. Transfer Of Your Rights And Duties Under This Policy 3 J. Premium Audit 3 K. Payment of Premiums 3 Form SC 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I THE -A HARTFORD �oRaN } r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD COMMON POLICY CONDITIONS All coverages of this Policy are subject to the following conditions: A. CANCELLATION 1. The first Named Insured shown in the Declarations may cancel this Policy by mailing or delivering to us advance written notice of cancellation. 2. We may cancel this Policy by mailing or delivering to the first Named Insured written notice of cancellation at least: a. 5 days before the effective date of cancellation if any one of the following conditions exists at any building that is Covered Property in this Policy: (1) The building has been vacant or unoccupied 60 or more consecutive days. This does not apply to: (a) Seasonal unoccupancy; or (b) Buildings in the course of construction, renovation or addition. Buildings with 65% or more of the rental units or floor area vacant or unoccupied are considered unoccupied under this provision. (2) After damage by a Covered Cause of Loss, permanent repairs to the building: (a) Have not started; and (b) Have not been contracted for, within 30 days of initial payment of loss. (3) The building has: (a) An outstanding order to vacate; (b) An outstanding demolition order; or (c) Been declared unsafe by governmental authority. (4) Fixed and salvageable items have been or are being removed from the building and are not being replaced. This does not apply to such removal that is necessary or incidental to any renovation or remodeling. (5) Failure to: (a) Furnish necessary heat, water, sewer service or electricity for 30 consecutive days or more, except during a period of seasonal unoccupancy; or (b) Pay property taxes that are owed and have been outstanding for more than one year following the date due. This provision will not apply where you are in a bona fide dispute with the taxing authority regarding payment of such taxes. b. 10 days before the effective date of cancellation if we cancel for nonpayment of premium. c. 30 days before the effective date of cancellation if we cancel for any other reason. 3. We will mail or deliver our notice to the first Named Insured's last mailing address known to us. 4. Notice of cancellation will state the effective date of cancellation. The policy period will end on that date. 5. If this Policy is canceled, we will send the first Named Insured any premium refund due. Such refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if we have not made or offered a refund. 6. If notice is mailed, proof of mailing will be sufficient proof of notice. Form SC 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD B. CHANGES This Policy contains all the agreements between you and us concerning the insurance afforded. The first Named Insured shown in the Declarations is authorized to make changes in the terms of this Policy with our consent. This Policy's terms can be amended or waived only by endorsement issued by us and made a part of this Policy. C. CONCEALMENT, MISREPRESENTATION OR FRAUD This Policy is void in any case of fraud by you as it relates to this Policy at any time. It is also void if you or any other insured, at any time, intentionally conceal or misrepresent a material fact concerning: 1. This Policy; 2. The Covered Property; 3. Your interest in the Covered Property; or 4. A claim under this Policy. D. EXAMINATION OF YOUR BOOKS AND RECORDS We may examine and audit your books and records as they relate to the Policy at any time during the policy period and up to three years afterward. E. INSPECTIONS AND SURVEYS 1. We have the right but are not obligated to: a. Make inspections and surveys at any time; b. Give you reports on the conditions we find; and c. Recommend changes. 2. Any inspections, surveys, reports or recommendations will relate only to insurability and the premiums to be charged. We do not make safety inspections. We do not undertake to perform the duty of any person or organization to provide for the health or safety of any person. We do not represent or warrant that conditions: a. Are safe or healthful; or b. Comply with laws, regulations, codes or standards. 3. This condition applies not only to us, but also to any rating, advisory, rate service or similar organization which makes insurance inspections, surveys, reports or recommendations on our behalf. F. INSURANCE UNDER TWO OR MORE COVERAGES If two or more of this Policy's coverages apply to the same loss or damage, we will not pay more than the actual amount of the loss or damage. G. LIBERALIZATION If we adopt any revision that would broaden the coverage under this Policy without additional premium within 45 days prior to, or at any time during, the policy period, the broadened coverage will immediately apply to this Policy. H. PREMIUMS 1. The first Named Insured shown in the Declarations: a. Is responsible for the payment of all premiums; and b. Will be the payee for any return premiums we pay. 2. The premium shown in the Declarations was computed based on rates in effect at the time the Policy was issued. If applicable, on each renewal, continuation or anniversary of the effective date of this Policy, we will compute the premium in accordance with our rates and rules then in effect. 3. With our consent, you may continue this Policy in force by paying a continuation pr, policy period. The premium must be: RAMwagmadD Form SC 00 00 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its FA 1 SANTA ANA hisian .. �.: lyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD a. Paid to us prior to the anniversary date; and b. Determined in accordance with Paragraph 2. above. Our forms then in effect will apply. If you do not pay the continuation premium, this Policy will expire on the first anniversary date that we have not received the premium. 4. Changes in exposures or changes in your business operation, acquisition or use of locations that are not shown in the Declarations may occur during the policy period. If so, we may require an additional premium. That premium will be determined in accordance with our rates and rules then in effect. I. TRANSFER OF YOUR RIGHTS AND DUTIES UNDER THIS POLICY 1. Your rights and duties under this Policy may not be transferred without our written consent except in the case of death of an individual Named Insured. 2. If you die, your rights and duties will be transferred to your legal representative but only while acting within the scope of duties as your legal representative. Until your legal representative is appointed, anyone having proper temporary custody of your property will have your rights and duties but only with respect to that property. J. PREMIUM AUDIT 1. We will compute all premiums for this Policy in accordance with our rules and rates. 2. The premium amount shown in the Declarations is a deposit premium only. At the close of each policy period, we may do an audit to compute the earned premium for that period. Any additional premium found to be due as a result of the audit are due and payable on notice to the first Named Insured. If the deposit premium paid for the policy term is greater than the earned premium, we will return the excess to the first Named Insured. 3. The first Named Insured must maintain all records related to the coverage provided by this Policy and necessary to finalize the premium audit, and send us copies of the same upon our request. K. PAYMENT OF PREMIUMS If your initial premium payment is by check draft, electronic funds transfer, credit card, debit card, or any other form of remittance, coverage under the Policy is conditioned on payment to us by the financial institution. If the financial institution does not honor such remittance upon presentment, this policy may, at our option, be deemed void from its inception. Our President and Secretary have signed this Policy. Where required by law, the Declarations page has also been countersigned by our duly authorized representative. Asa Levin, Seoetary Form SC 00 00 10 18 © 2018, The Hartford Douglas Elliot, President (May include copyrighted material of Insurance Services Office, Inc., with its K �„on„Nc r Risk Mmag7Pnad DRRBIOR REVIEWED & APPROVED BY.- f R. Vj&'Vd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD SOUTH CAROLINA CHANGES - COMMON POLICY CONDITIONS This endorsement modifies insurance provided under the following: COMMON POLICY CONDITIONS Except as otherwise stated in this endorsement, the terms and conditions of the Policy apply. A. The following changes are made to Section A., CANCELLATION: 1. Paragraph 2. is deleted and replaced by the following: We may cancel this Policy by mailing or delivering to the first Named Insured and the agent, if any, written notice of cancellation at least: a. 10 days before the effective date of cancellation if we cancel for nonpayment of premium; or b. 30 days before the effective date of cancellation if we cancel for any other reason. 2. Paragraph 3. is deleted and replaced by the following: We will mail or deliver our notice to the first Named Insured's and agent's last known addresses. 3. Paragraph 5. is deleted and replaced by the following: If this Policy is canceled, we will send the first Named Insured any premium refund due. Such refund will be pro rata. The cancellation will be effective even if we have not made or offered a refund. 4. The following provision is added and supersedes any provisions to the contrary: Cancellation Of Policies In Effect For 120 Days Or More If this Policy has been in effect for 120 days or more, or is a renewal or continuation of a Policy we issued, we may cancel this Policy only for one or more of the following reasons: a. Nonpayment of premium; b. Material misrepresentation of fact which, if known to us, would have caused us not to issue the Policy; c. Substantial change in the risk assumed, except to the extent that: (1) We had notice of the risk within the first 120 days of the policy period and this is not a renewal or continuation of a policy we issued; or (2) We should reasonably have foreseen the change or contemplated the risk in writing the Policy; d. Substantial breaches of contractual duties, conditions or warranties; or e. Loss of our reinsurance covering all or a significant portion of the particular Policy insured, or where continuation of the Policy would imperil our solvency or place us in violation of the insurance laws of South Carolina. Prior to cancellation for reasons permitted in this item e., we will notify the Commissioner, in writing, at least sixty days prior to such cancellation and the Commissioner will, within thirty days of such notification, approve or disapprove such action. Any notice of cancellation will state the precise reason for cancellation. B. The following provisions is added and supersedes any provisions to the contrary: NONRENEWAL 1. If we decide not to renew this Policy, we will mail or deliver written notice of nonrenewal to the first Named Insured and agent, if any, at their last known addresses. If notice is mailed, proof of mailing will be sufficient proof of notice. 2. If we decide not to renew this Policy, we will notify you of our decision in advance of: a. The expiration date of this Policy, if the Policy is written for a term of one year or less; or b. An anniversary date of this Policy, if the Policy is written for a term of more than one year. Form SC 01 39 09 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD 3. Any notice of nonrenewal shall be provided at least: a. 60 days prior to nonrenewal for a nonrenewal that will become effective on a date between November 1 and May 31. b. 90 days prior to nonrenewal for a nonrenewal that will become effective on a date between June 1 and October 31. 4. Any notice of nonrenewal will state the precise reason for nonrenewal. Form SC 01 39 09 19 © 2019, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN } r Risk MwaganadDMsiun REVIEWED & APPROVED BY.- f R. Vj&'Wd Risk Management Analyst THE—d HARTFORD PRODUCER COMPENSATION NOTICE You can review and obtain information on The Hartford's producer compensation practices at www.TheHartford.com or at 1-800-592-5717. Form SC 50 31 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&,Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD DISCLOSURE PURSUANT TO TERRORISM RISK INSURANCE ACT THIS ENDORSEMENT IS ATTACHED TO AND MADE PART OF YOUR POLICY IN RESPONSE TO THE DISCLOSURE REQUIREMENTS OF THE TERRORISM RISK INSURANCE ACT. POLICY NUMBER: 22 SBA AE4WT4 SCHEDULE Terrorism Premium: $15 A. Disclosure Of Premium In accordance with the federal Terrorism Risk Insurance Act, as amended (TRIA), we are required to provide you with a notice disclosing the portion of your premium, if any, attributable to coverage for "certified acts of terrorism" under TRIA. The portion of your premium attributable to such coverage is shown in the Schedule of this endorsement. B. The following definition is added with respect to the provisions of this endorsement: 1. A "certified act of terrorism" means an act that is certified by the Secretary of the Treasury, in accordance with the provisions of TRIA, to be an act of terrorism under TRIA. The criteria contained in TRIA for a "certified act of terrorism" include the following: a. The act results in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to TRIA; and b. The act results in damage within the United States, or outside the United States in the case of certain air carriers or vessels or the premises of an United States mission; and c. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion C. Disclosure Of Federal Share Of Terrorism Losses The United States Department of the Treasury will reimburse insurers for a portion of insured losses, as indicated in the table below, attributable to "certified acts of terrorism" under TRIA that exceeds the applicable insurer deductible: Calendar Year Federal Share of Terrorism Losses 2015 85% 2016 84% 2017 83% 2018 82% 2019 81% 2020 or later 80% Form SC 70 00 10 18 Process Date: 10/12/2020 © 2018, The Hartford Policy E (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN o r Risk MmWmadDMsian REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD However, if aggregate industry insured losses under TRIA exceed $100 billion in a calendar year, the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. The United States government has not charged any premium for their participation in covering terrorism losses. D. Cap On Insurer Liability for Terrorism Losses If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100 billion in a calendar year and we have met, or will meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the amount of such losses that exceed $100 billion. In such case, your coverage for terrorism losses may be reduced on a pro-rata basis in accordance with procedures established by the Treasury, based on its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible. In accordance with the Treasury's procedures, amounts paid for losses may be subject to further adjustments based on differences between actual losses and estimates. E. Application of Other Exclusions The terms and limitations of any terrorism exclusion, the inapplicability or omission of a terrorism exclusion, or the inclusion of terrorism coverage, do not serve to create coverage for any loss which would otherwise be excluded under this Coverage Form, Coverage Part or Policy. F. All other terms and conditions remain the same. Form SC 70 00 10 18 Process Date: 10/12/2020 © 2018, The Hartford Policy E (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN r RiskMmaganadDMsfan REVIEWED & APPROVED BY.- f R. W&Wd Risk Management Analyst THE -A HARTFORD U.S. DEPARTMENT OF THE TREASURY, OFFICE OF FOREIGN ASSETS CONTROL ("OFAC") ADVISORY NOTICE TO POLICYHOLDERS No coverage is provided by this Policyholder Notice nor can it be construed to replace any provisions of your policy. You should read your policy and review your Declarations page for complete information on the coverages you are provided. This Notice provides information concerning possible impact on your insurance coverage due to directives issued by the United States. Please read this Notice carefully. The Office of Foreign Assets Control ("OFAC") of the U.S. Department of the Treasury administers and enforces economic and trade sanctions based on U.S. foreign policy and national security goals against targeted foreign countries and regimes, terrorists, international narcotics traffickers, those engaged in activities related to the proliferation of weapons of mass destruction, and other threats to the national security, foreign policy or economy of the United States. OFAC acts under Presidential national emergency powers, as well as authority granted by specific legislation, to impose controls on transactions and freeze assets under U.S. jurisdiction. OFAC publishes a list of individuals and companies owned or controlled by, or acting for or on behalf of, targeted countries. It also lists individuals, groups, and entities, such as terrorists and narcotics traffickers designated under programs that are not country -specific. Collectively, such individuals and companies are called "Specially Designated Nationals and Blocked Persons" or "SDNs". Their assets are blocked and U.S. persons are generally prohibited from dealing with them. This list can be located on OFAC's web site at — http//www.treas.gov/ofac. In accordance with OFAC regulations, if it is determined that you or any other insured, or any person or entity claiming the benefits of this insurance has violated U.S. sanctions law or is an SDN, as identified by OFAC, the policy is a blocked contract and all dealings with it must involve OFAC. When an insurance policy is considered to be such a blocked or frozen contract, no payments nor premium refunds may be made without authorization from OFAC. Form SC 90 15 10 18 © 2018, The Hartford (May include copyrighted material of Insurance Services Office, Inc., with its K �oRaN } r RiskMmWmadDMsfan REVIEWED & APPROVED BY.- f R. Vj&wd Risk Management Analyst NJ THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. THE HARTFORD TRADE OR ECONOMIC SANCTIONS ENDORSEMENT POLICY NUMBER: 22 SBA AE4WT4 NAMED INSURED: BiblioLabs LLC COMPANY NAME: Hartford Underwriters Insurance Company EFFECTIVE DATE: 11 /23/2020 EXPIRATION DATE: 11 /23/2021 This insurance does not apply to the extent that trade or economic sanctions or other laws or regulations prohibit us from providing insurance, including, but not limited to, the payment of claims. All other terms and conditions remain unchanged. Form SC 90 16 10 18 Process Date: 10/12/2020 © 2018, The Hartford Policy E (May include copyrighted material of Insurance Services Office, Inc., with its I �oRaN ^ecoG o r RiskMwaganadDMsfan REVIEWED & APPROVED BY.- P1. V;.441 Risk Management Analyst Digitally signed by Francine R. Francine R. Villareal Villareal / ACCOR " CERTIFICATE OF LIABILITY INSURANCE DATE (MM/DD/YYYY) 8/4/2021 THIS CERTIFICATE IS ISSUED AS A MATTER OF INFORMATION ONLY AND CONFERS NO RIGHTS UPON THE CERTIFICATE HOLDER. THIS CERTIFICATE DOES NOT AFFIRMATIVELY OR NEGATIVELY AMEND, EXTEND OR ALTER THE COVERAGE AFFORDED BY THE POLICIES BELOW. THIS CERTIFICATE OF INSURANCE DOES NOT CONSTITUTE A CONTRACT BETWEEN THE ISSUING INSURER(S), AUTHORIZED REPRESENTATIVE OR PRODUCER, AND THE CERTIFICATE HOLDER. IMPORTANT: If the certificate holder is an ADDITIONAL INSURED, the policy(ies) must have ADDITIONAL INSURED provisions or be endorsed. If SUBROGATION IS WAIVED, subject to the terms and conditions of the policy, certain policies may require an endorsement. A statement on this certificate does not confer rights to the certificate holder in lieu of such endorsement(s). PRODUCER Arthur J. Gallagher Risk Management Services, Inc. 1050 Crown Pointe Pkwy, Suite 600 GA 30338 CONTACT NAME: Stephanie Clesla PHONE FAX A/C No Ext : 678-393-5277 A/C, No): E-MAtlanta ADDRESS: stephanie_ciesla@ajg.com INSURER(S) AFFORDING COVERAGE NAIC # INSURERA: Valley Forge Insurance Company 20508 INSURED LYRA143-01 LYRASIS DBA BiblioLabs LLC 1438 West Peachtree St. NW Suite 150 INSURERB: Continental Insurance Company 35289 INSURERC: American Casualty Company of Reading, PA 20427 INSURERD: Steadfast Insurance Company 26387 Atlanta , GA 30309 INSURER E : INSURER F : COVERAGES CERTIFICATE NUMBER: 1574301279 REVISION NUMBER: THIS IS TO CERTIFY THAT THE POLICIES OF INSURANCE LISTED BELOW HAVE BEEN ISSUED TO THE INSURED NAMED ABOVE FOR THE POLICY PERIOD INDICATED. NOTWITHSTANDING ANY REQUIREMENT, TERM OR CONDITION OF ANY CONTRACT OR OTHER DOCUMENT WITH RESPECT TO WHICH THIS CERTIFICATE MAY BE ISSUED OR MAY PERTAIN, THE INSURANCE AFFORDED BY THE POLICIES DESCRIBED HEREIN IS SUBJECT TO ALL THE TERMS, EXCLUSIONS AND CONDITIONS OF SUCH POLICIES. LIMITS SHOWN MAY HAVE BEEN REDUCED BY PAID CLAIMS. INSR LTR TYPE OF INSURANCE ADDL INSD SUBR WVD POLICYNUMBER POLICY EFF MM/DD POLICY EXP MM/DD LIMITS A X COMMERCIAL GENERAL LIABILITY Y 6017210152 4/16/2021 4/16/2022 EACH OCCURRENCE $ 1,000,000 CLAIMS -MADE OCCUR DAMAGES(RENTED PREMISES Ea occurrence) ccurrence)$ 1,000,000 MED EXP (Any one person) $ 15,000 PERSONAL &ADV INJURY $ 1,000,000 GEN'L AGGREGATE LIMIT APPLIES PER: GENERAL AGGREGATE $ 2,000,000 POLICY ❑ PRO JECT LOC PRODUCTS - COMP/OP AGG $ 2,000,000 $ OTHER: A AUTOMOBILE LIABILITY 6017210149 4/16/2021 4/16/2022 COMBINED SINGLE LIMIT Ea accident $1,000,000 BODILY INJURY (Per person) $ ANY AUTO OWNED SCHEDULED AUTOS ONLY AUTOS BODILY INJURY (Per accident) $ X PROPERTY DAMAGE Per accident $ HIRED X NON -OWNED AUTOS ONLY AUTOS ONLY B X UMBRELLA LIAB X OCCUR 6017210121 4/16/2021 4/16/2022 EACH OCCURRENCE $ 3,000,000 AGGREGATE $ 3,000,000 EXCESS LIAB CLAIMS -MADE DED X RETENTION $ 1 n nnn $ C WORKERS COMPENSATION AND EMPLOYERS' LIABILITY Y / N 6017210135 4/16/2021 4/16/2022 X PER OTH- STATUTEI ER ANYPROPRIETOR/PARTNER/EXECUTIVE E.L. EACH ACCIDENT $ 1,000,000 OFFICER/MEMBER EXCLUDED? FN] N/A E.L. DISEASE - EA EMPLOYEE $ 1,000,000 (Mandatory in NH) If yes, describe under DESCRIPTION OF OPERATIONS below E.L. DISEASE - POLICY LIMIT $ 1,000,000 D Cyber, Media & Technology EOC 0156547-03 4/16/2021 4/16/2022 Each Claim $2,000,000 Liability Aggregate $2,000,000 DESCRIPTION OF OPERATIONS / LOCATIONS / VEHICLES (ACORD 101, Additional Remarks Schedule, maybe attached if more space is required) City of Santa Ana,officers, agents, employee& volunteers are Additional Insured as respects General Liability pursuant to and subject to the policy's terms, definitions, conditions and exclusions. The insurance provided in the General Liability policy is primary and any other insurance shall be excess only, and not contributing. CERTIFICATE HOLDER CANCELLATION City of Santa Ana Risk Management Division 4TH FLOOR 20 Civic Center Plaza Santa Ana CA 92702 ACORD 25 (2016103) SHOULD ANY OF THE ABOVE DESCRIBED POLICIES BE CANCELLED BEFORE THE EXPIRATION DATE THEREOF, NOTICE WILL BE DELIVERED IN ACCORDANCE WITH THE POLICY PROVISIONS. AUTHORIZED REPRESENTATIVE / IZAManagzmentDMsian oRaN z REVIEWED & APPROVED SY: 1. @ 1988-2015 ACORD C °I G` f,�; y,e "441d The ACORD name and logo are registered marks of ACORD Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement It is understood and agreed that this endorsement amends the COMMERCIAL GENERAL LIABILITY COVERAGE PART as follows. If any other endorsement attached to this policy amends any provision also amended by this endorsement, then that other endorsement controls with respect to such provision, and the changes made by this endorsement with respect to such provision do not apply. TABLE OF CONTENTS 1. Additional Insureds 2. Additional Insured - Primary And Non -Contributory To Additional Insured's Insurance 3. Bodily Injury — Expanded Definition 4. Broad Knowledge of Occurrence/ Notice of Occurrence 5. Broad Named Insured 6. Estates, Legal Representatives and Spouses 7. Expected Or Intended Injury — Exception for Reasonable Force 8. In Rem Actions 9. Incidental Health Care Malpractice Coverage 10. Joint Ventures/Partnership/Limited Liability Companies 11. Legal Liability — Damage To Premises 12. Medical Payments 13. Non -owned Aircraft Coverage 14. Non -owned Watercraft 15. Personal And Advertising Injury — Discrimination or Humiliation 16. Personal And Advertising Injury - Limited Contractual Liability 17. Property Damage - Elevators 18. Supplementary Payments 19. Property Damage — Patterns, Molds and Dies 20. Unintentional Failure To Disclose Hazards 21. Waiver of Subrogation — Blanket CNA74872XX (1-15) Pol Page 1 of 14 EndorsemE RAMmWmadDMsian VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� Insured Name: LYRASIS INC �i >Fta P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 1. ADDITIONAL INSUREDS a. WHO IS AN INSURED is amended to include as an Insured any person or organization described in paragraphs A. through K. below whom a Named Insured is required to add as an additional insured on this Coverage Part under a written contract or written agreement, provided such contract or agreement: (1) is currently in effect or becomes effective during the term of this Coverage Part; and (2) was executed prior to: (a) the bodily injury or property damage; or (b) the offense that caused the personal and advertising injury, for which such additional insured seeks coverage. b. However, subject always to the terms and conditions of this policy, including the limits of insurance, the Insurer will not provide such additional insured with: (1) a higher limit of insurance than required by such contract or agreement; or (2) coverage broader than required by such contract or agreement, and in no event broader than that described by the applicable paragraph A. through K. below. Any coverage granted by this endorsement shall apply only to the extent permissible by law. A. Controlling Interest Any person or organization with a controlling interest in a Named Insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury arising out of: 1. such person or organization's financial control of a Named Insured; or 2. premises such person or organization owns, maintains or controls while a Named Insured leases or occupies such premises; provided that the coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. B. Co-owner of Insured Premises A co-owner of a premises co -owned by a Named Insured and covered under this insurance but only with respect to such co -owner's liability for bodily injury, property damage or personal and advertising injury as co-owner of such premises. C. Grantor of Franchise Any person or organization that has granted a franchise to a Named Insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury as grantor of a franchise to the Named Insured. D. Lessor of Equipment Any person or organization from whom a Named Insured leases equipment, but only with respect to liability for bodily injury, property damage or personal and advertising injury caused, in whole or in part, by the Named Insured's maintenance, operation or use of such equipment, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place prior to the termination of such lease. CNA74872XX (1-15) Pol Page 2 of 14 Endorsem oRaN a RiskMmWmadDiviaion VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� r Insured Name: LYRASIS INC �l >F +.t e P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement E. Lessor of Land Any person or organization from whom a Named Insured leases land but only with respect to liability for bodily injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use of such land, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. F. Lessor of Premises An owner or lessor of premises leased to the Named Insured, or such owner or lessor's real estate manager, but only with respect to liability for bodily injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use of such part of the premises leased to the Named Insured, and provided that the occurrence giving rise to such bodily injury or property damage, or the offense giving rise to such personal and advertising injury, takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. G. Mortgagee, Assignee or Receiver A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee or receiver's liability for bodily injury, property damage or personal and advertising injury arising out of the Named Insured's ownership, maintenance, or use of a premises by a Named Insured. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. H. State or Governmental Agency or Subdivision or Political Subdivisions —Permits A state or governmental agency or subdivision or political subdivision that has issued a permit or authorization but only with respect to such state or governmental agency or subdivision or political subdivision's liability for bodily injury, property damage or personal and advertising injury arising out of: 1. the following hazards in connection with premises a Named Insured owns, rents, or controls and to which this insurance applies: a. the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk vaults, street banners, or decorations and similar exposures; or b. the construction, erection, or removal of elevators; or c. the ownership, maintenance or use of any elevators covered by this insurance; or 2. the permitted or authorized operations performed by a Named Insured or on a Named Insured's behalf. The coverage granted by this paragraph does not apply to: a. Bodily injury, property damage or personal and advertising injury arising out of operations performed for the state or governmental agency or subdivision or political subdivision; or b. Bodily injury or property damage included within the products -completed operations hazard. With respect to this provision's requirement that additional insured status must be requested under a written contract or agreement, the Insurer will treat as a written contract any governmental permit that requires the Named Insured to add the governmental entity as an additional insured. CNA74872XX (1-15) Pol Page 3 of 14 EndorsemE Risk MmWmadDMsian VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� Insured Name: LYRASIS INC �l >Fta P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement I. Trade Show Event Lessor 1. With respect to a Named Insured's participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom the Named Insured is required to include as an additional insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury caused by: a. the Named Insured's acts or omissions; or b. the acts or omissions of those acting on the Named Insured's behalf, in the performance of the Named Insured's ongoing operations at the trade show event premises during the trade show event. 2. The coverage granted by this paragraph does not apply to bodily injury or property damage included within the products -completed operations hazard. J. Vendor Any person or organization but only with respect to such person or organization's liability for bodily injury or property damage arising out of your products which are distributed or sold in the regular course of such person or organization's business, provided that: 1. The coverage granted by this paragraph does not apply to: a. bodily injury or property damage for which such person or organization is obligated to pay damages by reason of the assumption of liability in a contract or agreement unless such liability exists in the absence of the contract or agreement; b. any express warranty unauthorized by the Named Insured; c. any physical or chemical change in any product made intentionally by such person or organization; d. repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; e. any failure to make any inspections, adjustments, tests or servicing that such person or organization has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; if. demonstration, installation, servicing or repair operations, except such operations performed at such person or organization's premises in connection with the sale of a product; g. products which, after distribution or sale by the Named Insured, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for such person or organization; or h. bodily injury or property damage arising out of the sole negligence of such person or organization for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) the exceptions contained in Subparagraphs d. or if. above; or (2) such inspections, adjustments, tests or servicing as such person or organization has agreed with the Named Insured to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. 2. This Paragraph J. does not apply to any insured person or organization, from whom the Named Insured has acquired such products, nor to any ingredient, part or container, entering into, accompanying or containing such products. CNA74872XX (1-15) Pol Page 4 of 14 Endorsem oRaN a RiskMmWmadDiviaion VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY.- �� r Insured Name: LYRASIS INC �i >F +.t e P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 3. This Paragraph J. also does not apply: a. to any vendor specifically scheduled as an additional insured by endorsement to this Coverage Part; b. to any of your products for which coverage is excluded by endorsement to this Coverage Part; nor c. if bodily injury or property damage included within the products -completed operations hazard is excluded by endorsement to this Coverage Part. K. Other Person Or Organization / Your Work Any person or organization who is not an additional insured under Paragraphs A. through J. above. Such additional insured is an Insured solely for bodily injury, property damage or personal and advertising injury for which such additional insured is liable because of the Named Insured's acts or omissions. The coverage granted by this paragraph does not apply to any person or organization: 1. who is specifically scheduled as an additional insured on another endorsement to this Coverage Part; nor 2. for bodily injury or property damage included within the products -completed operations hazard except to the extent all of the following apply: a. this Coverage Part provides such coverage; b. the written contract or agreement described in the opening paragraph of this ADDITIONAL INSUREDS Provision requires the Named Insured to provide the additional insured such coverage; and c. the bodily injury or property damage results from your work that is the subject of the written contract or agreement, and such work has not been excluded by endorsement to this Coverage Part. 2. ADDITIONAL INSURED - PRIMARY AND NON-CONTRIBUTORY TO ADDITIONAL INSURED'S INSURANCE A. The Other Insurance Condition in the COMMERCIAL GENERAL LIABILITY CONDITIONS Section is amended to add the following paragraph: If the Named Insured has agreed in writing in a contract or agreement that this insurance is primary and non- contributory relative to an additional insured's own insurance, then this insurance is primary, and the Insurer will not seek contribution from that other insurance. For the purpose of this Provision 2., the additional insured's own insurance means insurance on which the additional insured is a named insured. 0 B. With respect to persons or organizations that qualify as additional insureds pursuant to paragraph I.K. of this endorsement, the following sentence is added to the paragraph above: 0 0 Otherwise, and notwithstanding anything to the contrary elsewhere in this Condition, the insurance provided to 0 such person or organization is excess of any other insurance available to such person or organization. 3. BODILY INJURY — EXPANDED DEFINITION Under DEFINITIONS, the definition of bodily injury is deleted and replaced by the following: Bodily injury means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury sustained by that person at any time which results as a consequence of the physical injury, sickness or disease. 4. BROAD KNOWLEDGE OF OCCURRENCE/ NOTICE OF OCCURRENCE Under CONDITIONS, the condition entitled Duties in The Event of Occurrence, Offense, Claim or Suit Condition is amended to add the following provisions: A. BROAD KNOWLEDGE OF OCCURRENCE CNA74872XX (1-15) Pol Page 5 of 14 EndorsemE RAMmWmadDMsian VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� Insured Name: LYRASIS INC �i >Fta P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement The Named Insured must give the Insurer or the Insurer's authorized representative notice of an occurrence, offense or claim only when the occurrence, offense or claim is known to a natural person Named Insured, to a partner, executive officer, manager or member of a Named Insured, or to an employee designated by any of the above to give such notice. B. NOTICE OF OCCURRENCE The Named Insured's rights under this Coverage Part will not be prejudiced if the Named Insured fails to give the Insurer notice of an occurrence, offense or claim and that failure is solely due to the Named Insured's reasonable belief that the bodily injury or property damage is not covered under this Coverage Part. However, the Named Insured shall give written notice of such occurrence, offense or claim to the Insurer as soon as the Named Insured is aware that this insurance may apply to such occurrence, offense or claim. 5. BROAD NAMED INSURED WHO IS AN INSURED is amended to delete its Paragraph 3. in its entirety and replace it with the following: 3. Pursuant to the limitations described in Paragraph 4. below, any organization in which a Named Insured has management control: a. on the effective date of this Coverage Part; or b. by reason of a Named Insured creating or acquiring the organization during the policy period, qualifies as a Named Insured, provided that there is no other similar liability insurance, whether primary, contributory, excess, contingent or otherwise, which provides coverage to such organization, or which would have provided coverage but for the exhaustion of its limit, and without regard to whether its coverage is broader or narrower than that provided by this insurance. But this BROAD NAMED INSURED provision does not apply to: (a) any partnership or joint venture; or (b) any organization for which coverage is excluded by another endorsement attached to this Coverage Part. For the purpose of this provision, and of this endorsement's JOINT VENTURES / PARTNERSHIP / LIMITED LIABILITY COMPANIES provision, management control means: A. owning interests representing more than 50% of the voting, appointment or designation power for the selection of a majority of the Board of Directors of a corporation, or the members of the management board of a limited liability company; or B. having the right, pursuant to a written trust agreement, to protect, control the use of, encumber or transfer or sell property held by a trust. 4. With respect to organizations which qualify as Named Insureds by virtue of Paragraph 3. above, this insurance does not apply to: a. bodily injury or property damage that first occurred prior to the date of management control, or that first occurs after management control ceases; nor b. personal or advertising injury caused by an offense that first occurred prior to the date of management control or that first occurs after management control ceases. 5. The insurance provided by this Coverage Part applies to Named Insureds when trading under their own names or under such other trading names or doing -business -as names (dba) as any Named Insured should choose to employ. CNA74872XX (1-15) Pol Page 6 of 14 Endorsem oRaN a RiskMmWmadDiviaion VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� r Insured Name: LYRASIS INC �I >F +.t e P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 6. ESTATES, LEGAL REPRESENTATIVES, AND SPOUSES The estates, heirs, legal representatives and spouses of any natural person Insured shall also be insured under this policy; provided, however, coverage is afforded to such estates, heirs, legal representatives, and spouses only for claims arising solely out of their capacity or status as such and, in the case of a spouse, where such claim seeks damages from marital community property, jointly held property or property transferred from such natural person Insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative, or spouse outside the scope of such person's capacity or status as such, provided however that the spouse of a natural person Named Insured and the spouses of members or partners of joint venture or partnership Named Insureds are Insureds with respect to such spouses' acts, errors or omissions in the conduct of the Named Insured's business. 7. EXPECTED OR INTENDED INJURY — EXCEPTION FOR REASONABLE FORCE Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Expected or Intended Injury and replace it with the following: This insurance does not apply to: Expected or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the Insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. 8. IN REM ACTIONS A quasi in rem action against any vessel owned or operated by or for the Named Insured, or chartered by or for the Named Insured, will be treated in the same manner as though the action were in personam against the Named Insured. 9. INCIDENTAL HEALTH CARE MALPRACTICE COVERAGE Solely with respect to bodily injury that arises out of a health care incident: A. Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the Insuring Agreement is amended to replace Paragraphs 1.b.(1) and 1.b.(2) with the following: b. This insurance applies to bodily injury provided that the professional health care services are incidental to the Named Insured's primary business purpose, and only if: 0 0 (1) such bodily injury is caused by an occurrence that takes place in the coverage territory. 0 (2) the bodily injury first occurs during the policy period. All bodily injury arising from an occurrence will 0 be deemed to have occurred at the time of the first act, error, or omission that is part of the occurrence; " and B. Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions is amended to: i. add the following to the Employers Liability exclusion: This exclusion applies only if the bodily injury arising from a health care incident is covered by other liability insurance available to the Insured (or which would have been available but for exhaustion of its limits). ii. delete the exclusion entitled Contractual Liability and replace it with the following: This insurance does not apply to: CNA74872XX (1-15) Pol Page 7 of 14 EndorsemE Risk MmWmadDMsian VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� Insured Name: LYRASIS INC �i >Fta P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement Contractual Liability the Insured's actual or alleged liability under any oral or written contract or agreement, including but not limited to express warranties or guarantees. iii. add the following additional exclusions. This insurance does not apply to: Discrimination any actual or alleged discrimination, humiliation or harassment, that includes but shall not be limited to claims based on an individual's race, creed, color, age, gender, national origin, religion, disability, marital status or sexual orientation. Dishonesty or Crime Any actual or alleged dishonest, criminal or malicious act, error or omission. Medicare/Medicaid Fraud any actual or alleged violation of law with respect to Medicare, Medicaid, Tricare or any similar federal, state or local governmental program. Services Excluded by Endorsement Any health care incident for which coverage is excluded by endorsement. C. DEFINITIONS is amended to: i. add the following definitions: Health care incident means an act, error or omission by the Named Insured's employees or volunteer workers in the rendering of: a. professional health care services on behalf of the Named Insured or b. Good Samaritan services rendered in an emergency and for which no payment is demanded or received. Professional health care services means any health care services or the related furnishing of food, beverages, medical supplies or appliances by the following providers in their capacity as such but solely to the extent they are duly licensed as required: a. Physician; b. Nurse; c. Nurse practitioner; d. Emergency medical technician; e. Paramedic; f. Dentist; g. Physical therapist; h. Psychologist; i. Speech therapist; j. Other allied health professional; or Professional health care services does not include any services rendered in connection with human clinical trials or product testing. CNA74872XX (1-15) Pol Page 8 of 14 Endorsem oRaN a RiskMmWmadDiviaion VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY.- �� r Insured Name: LYRASIS INC �I >F +.t e P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement ii. delete the definition of occurrence and replace it with the following: Occurrence means a health care incident. All acts, errors or omissions that are logically connected by any common fact, circumstance, situation, transaction, event, advice or decision will be considered to constitute a single occurrence; iii. amend the definition of Insured to: a. add the following: • the Named Insured's employees are Insureds with respect to: (1) bodily injury to a co -employee while in the course of the co -employee's employment by the Named Insured or while performing duties related to the conduct of the Named Insured's business; and (2) bodily injury to a volunteer worker while performing duties related to the conduct of the Named Insured's business; when such bodily injury arises out of a health care incident. • the Named Insured's volunteer workers are Insureds with respect to: (1) bodily injury to a co -volunteer worker while performing duties related to the conduct of the Named Insured's business; and (2) bodily injury to an employee while in the course of the employee's employment by the Named Insured or while performing duties related to the conduct of the Named Insured's business; when such bodily injury arises out of a health care incident. b. delete Subparagraphs (a), (b), (c) and (d) of Paragraph 2.a.(1) of WHO IS AN INSURED. c. add the following: Insured does not include any physician while acting in his or her capacity as such. D. The Other Insurance condition is amended to delete Paragraph b.(1) in its entirety and replace it with the following: Other Insurance 0 b. Excess Insurance 0 0 (1) To the extent this insurance applies, it is excess over any other insurance, self insurance or risk transfer instrument, whether primary, excess, contingent or on any other basis, except for insurance purchased specifically by the Named Insured to be excess of this coverage. 10. JOINT VENTURES / PARTNERSHIP / LIMITED LIABILITY COMPANIES WHO IS AN INSURED is amended to delete its last paragraph and replace it with the following: No person or organization is an Insured with respect to: • the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations; nor • the conduct of a current or past limited liability company in which a Named Insured's interest does/did not rise to the level of management control; except that if the Named Insured was a joint venturer, partner, or member of such a limited liability company, and such joint venture, partnership or limited liability company terminated prior to or during the policy period, then such CNA74872XX (1 - 15) Pol Page 9 of 14 EndorsemE Risk MmWmadDMsian VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� Insured Name: LYRASIS INC �l >Fta P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement Named Insured is an Insured with respect to its interest in such joint venture, partnership or limited liability company but only to the extent that: a. any offense giving rise to personal and advertising injury occurred prior to such termination date, and the personal and advertising injury arising out of such offense, first occurred after such termination date; b. the bodily injury or property damage first occurred after such termination date; and c. there is no other valid and collectible insurance purchased specifically to insure the partnership, joint venture or limited liability company. 11. LEGAL LIABILITY — DAMAGE TO PREMISES A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete the first paragraph immediately following subparagraph (6) of the Damage to Property exclusion and replace it with the following: Paragraphs (1), (3) and (4) of this exclusion do not apply to property damage (other than damage by fire, lightning, explosion, smoke or leakage from automatic fire protective systems) to premises rented to the Named Insured or temporarily occupied by the Named Insured with the permission of the owner, nor to the contents of premises rented to the Named Insured for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in LIMITS OF INSURANCE. B. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete its last paragraph and replace it with the following: Exclusions c. through n. do not apply to damage by fire, lightning, explosion, smoke or leakage from automatic fire protective systems to premises while rented to a Named Insured or temporarily occupied by a Named Insured with permission of the owner, nor to damage to the contents of premises rented to a Named Insured for a period of 7 or fewer consecutive days. A separate limit of insurance applies to this coverage as described in the LIMITS OF INSURANCE Section. C. LIMITS OF INSURANCE is amended to delete Paragraph 6. (the Damage To Premises Rented To You Limit) and replace it with the following: 6. Subject to Paragraph 5. above, (the Each Occurrence Limit), the Damage To Premises Rented To You Limit is the most the Insurer will pay under COVERAGE A for damages because of property damage to: a. any one premises while rented to a Named Insured or temporarily occupied by a Named Insured with the permission of the owner; and b. contents of such premises if the premises is rented to the Named Insured for a period of 7 or fewer consecutive days. The Damage To Premises Rented To You Limit is $500,000. unless a higher Damage to Premises Rented to You Limit is shown in the Declarations. D. The Other Insurance Condition is amended to delete Paragraph b.(1)(a)(ii), and replace it with the following: (ii) That is property insurance for premises rented to a Named Insured, for premises temporarily occupied by the Named Insured with the permission of the owner; or for personal property of others in the Named Insured's care, custody or control; E. This Provision 11. does not apply if liability for damage to premises rented to a Named Insured is excluded by another endorsement attached to this Coverage Part. CNA74872XX (1-15) Pol Page 10 of 14 Endorsem oRaN a RiskMmWmadDiviaion VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� r Insured Name: LYRASIS INC �i >F +.t e P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 12. MEDICAL PAYMENTS A. LIMITS OF INSURANCE is amended to delete Paragraph 7. (the Medical Expense Limit) and replace it with the following: 7. Subject to Paragraph 5. above (the Each Occurrence Limit), the Medical Expense Limit is the most the Insurer will pay under Coverage C — Medical Payments for all medical expenses because of bodily injury sustained by any one person. The Medical Expense Limit is the greater of: (1) $15,000 unless a different amount is shown here: ; or (2) the amount shown in the Declarations for Medical Expense Limit. B. Under COVERAGES, the Insuring Agreement of Coverage C — Medical Payments is amended to replace Paragraph 1.a.(3)(b) with the following: (b) The expenses are incurred and reported to the Insurer within three years of the date of the accident; and 13. NON -OWNED AIRCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended as follows: The exclusion entitled Aircraft, Auto or Watercraft is amended to add the following: This exclusion does not apply to an aircraft not owned by any Named Insured, provided that: 1. the pilot in command holds a currently effective certificate issued by the duly constituted authority of the United States of America or Canada, designating that person as a commercial or airline transport pilot; 2. the aircraft is rented with a trained, paid crew to the Named Insured; and 3. the aircraft is not being used to carry persons or property for a charge. 14. NON -OWNED WATERCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete subparagraph (2) of the exclusion entitled Aircraft, Auto or Watercraft, and replace it with the following. This exclusion does not apply to: 0 (2) a watercraft that is not owned by any Named Insured, provided the watercraft is: 0 0 (a) less than 75 feet long; and 0 m (b) not being used to carry persons or property for a charge. 15. PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION A. Under DEFINITIONS, the definition of personal and advertising injury is amended to add the following tort: • Discrimination or humiliation that results in injury to the feelings or reputation of a natural person. B. Under COVERAGES, Coverage B — Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to: 1. delete the Exclusion entitled Knowing Violation Of Rights Of Another and replace it with the following: This insurance does not apply to: CNA74872XX (1-15) Pol Page 11 of 14 EndorsemE Risk MmWmadDMsian VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� Insured Name: LYRASIS INC �I >Fta Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement Knowing Violation of Rights of Another Personal and advertising injury caused by or at the direction of the Insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. This exclusion shall not apply to discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is not done intentionally by or at the direction of: (a) the Named Insured; or (b) any executive officer, director, stockholder, partner, member or manager (if the Named Insured is a limited liability company) of the Named Insured. 2. add the following exclusions: This insurance does not apply to: Employment Related Discrimination Discrimination or humiliation directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person by any Insured. Premises Related Discrimination discrimination or humiliation arising out of the sale, rental, lease or sub -lease or prospective sale, rental, lease or sub -lease of any room, dwelling or premises by or at the direction of any Insured. Notwithstanding the above, there is no coverage for fines or penalties levied or imposed by a governmental entity because of discrimination. The coverage provided by this PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION Provision does not apply to any person or organization whose status as an Insured derives solely from • Provision 1. ADDITIONAL INSURED of this endorsement; or • attachment of an additional insured endorsement to this Coverage Part. 16. PERSONAL AND ADVERTISING INJURY - LIMITED CONTRACTUAL LIABILITY A. Under COVERAGES, Coverage B —Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Contractual Liability and replace it with the following: This insurance does not apply to: Contractual Liability Personal and advertising injury for which the Insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) that the Insured would have in the absence of the contract or agreement; or (2) assumed in a contract or agreement that is an insured contract provided the offense that caused such personal or advertising injury first occurred subsequent to the execution of such insured contract. Solely for the purpose of liability assumed in an insured contract, reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an Insured are deemed to be damages because of personal and advertising injury provided: (a) liability to such party for, or for the cost of, that party's defense has also been assumed in such insured contract; and (b) such attorney fees and litigation expenses are for defense of such party against a civil or alternative dispute resolution proceeding in which covered damages are alleged. CNA74872XX (1-15) Pol Page 12 of 14 Endorsem oRaN a RiskMmWmadDiAsion VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� r Insured Name: LYRASIS INC �i >F +.t e P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement B. Solely for the purpose of the coverage provided by this paragraph, DEFINITIONS is amended to delete the definition of insured contract in its entirety, and replace it with the following: Insured contract means that part of a written contract or written agreement pertaining to the Named Insured's business under which the Named Insured assumes the tort liability of another party to pay for personal or advertising injury arising out of the offense of false arrest, detention or imprisonment. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. C. Solely for the purpose of the coverage provided by this paragraph, the following changes are made to the Section entitled SUPPLEMENTARY PAYMENTS — COVERAGES A AND B: 1. Paragraph 2.d. is replaced by the following: d. The allegations in the suit and the information the Insurer knows about the offense alleged in such suit are such that no conflict appears to exist between the interests of the Insured and the interests of the indemnitee; 2. The first unnumbered paragraph beneath Paragraph 2.f.(2)(b) is deleted and replaced by the following: So long as the above conditions are met, attorneys fees incurred by the Insurer in the defense of that indemnitee, necessary litigation expenses incurred by the Insurer, and necessary litigation expenses incurred by the indemnitee at the Insurer's request will be paid as defense costs. Notwithstanding the provisions of Paragraph e.(2) of the Contractual Liability exclusion (as amended by this Endorsement), such payments will not be deemed to be damages for personal and advertising injury and will not reduce the limits of insurance. D. This PERSONAL AND ADVERTISING INJURY - LIMITED CONTRACTUAL LIABILITY Provision does not apply if Coverage B —Personal and Advertising Injury Liability is excluded by another endorsement attached to this Coverage Part. 17. PROPERTY DAMAGE —ELEVATORS A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended such that the Damage to Your Product Exclusion and subparagraphs (3), (4) and (6) of the Damage to Property Exclusion do not apply to property damage that results from the use of elevators. B. Solely for the purpose of the coverage provided by this PROPERTY DAMAGE — ELEVATORS Provision, the Other Insurance conditions is amended to add the following paragraph: 0 This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis that is Property insurance covering property of others damaged from the use of elevators. 0 0 18. SUPPLEMENTARY PAYMENTS 0 The section entitled SUPPLEMENTARY PAYMENTS — COVERAGES A AND B is amended as follows: A. Paragraph 1.b. is amended to delete the $250 limit shown for the cost of bail bonds and replace it with a $5,000. limit; and B. Paragraph 1.d. is amended to delete the limit of $250 shown for daily loss of earnings and replace it with a $1,000. limit. 19. PROPERTY DAMAGE - PATTERNS MOLDS AND DIES Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete subparagraphs (3) and (4) of the Exclusion entitled Damage to Property, but only with respect to patterns, molds or dies that are in the care, custody or control of the Insured, and only if such patterns, molds or dies are not being used to perform operations at the time of loss. A limit of insurance of $25,000 per policy period applies to this PROPERTY DAMAGE - PATTERNS MOLDS AND DIES coverage, and this limit: CNA74872XX (1-15) Pol Page 13 of 14 EndorsemE Risk MmWmadDMsian VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� Insured Name: LYRASIS INC �i >Fta P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement A. is included within the General Aggregate Limit as described in LIMITS OF INSURANCE; and B. applies excess over any valid and collectible property insurance available to the Insured, including any deductible applicable to such insurance; the Other Insurance condition is changed accordingly. 20. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS If the Named Insured unintentionally fails to disclose all existing hazards at the inception date of the Named Insured's Coverage Part, the Insurer will not deny coverage under this Coverage Part because of such failure. 21. WAIVER OF SUBROGATION - BLANKET Under CONDITIONS, the condition entitled Transfer Of Rights Of Recovery Against Others To Us is amended to add the following: The Insurer waives any right of recovery the Insurer may have against any person or organization because of payments the Insurer makes for injury or damage arising out of: 1. the Named Insured's ongoing operations; or 2. your work included in the products -completed operations hazard. However, this waiver applies only when the Named Insured has agreed in writing to waive such rights of recovery in a written contract or written agreement, and only if such contract or agreement: 1. is in effect or becomes effective during the term of this Coverage Part; and 2. was executed prior to the bodily injury, property damage or personal and advertising injury giving rise to the claim. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74872XX (1-15) Pol Page 14 of 14 Endorsem oRaN a RiskMmWmadDiviaion VALLEY FORGE INSURANCE COMPANY Effectiv REVIEWED & APPROVED BY: �� r Insured Name: LYRASIS INC �I >F +.t e P VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Renewal Effective Date: 04/16/2021 Insured Name: LYRASIS INC 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2955 Policy Number: 6017210152 Policy Period: 04/16/2021 — 04/16/2022 Producer's Information: ARTHUR J GALLAGHER RISK MGMT SRV INC Producer Code: 028489 1050 CROWN POINTE PKWY STE 600 ATLANTA, GA 30338 (678)393-5200 CNA Branch Number: 380 CNA Branch Name and Address: ATLANTA BRANCH GLENRIDGE HIGHLANDS 5565 GLENRIDGE CONNECTOR NE ATLANTA, GA 30342 (404)531-3400 Thank you for choosing CNA! With your CNA Paramount package policy, you have insurance coverage tailored to meet the needs of your modern business. The international network of insurance professionals and the financial strength of CNA, rated "A" by A.M. Best, provide the resources to help you manage the daily risks of your organization so that you may focus on what's most important to you. Claim Services — There When You Need Us Claims are reported through a single point of entry available 24/7, connecting you to the individuals and information to help you resume your business when you need it most. To report a claim, please call 877-CNA-ASAP 'fax (800) 953-7389, email lossreport@cnaasap. com , or visit www. cna. com/claim. Risk Control Services — Help Avoid A Claim Before It Occurs As a CNA policyholder, you have access to certified risk control professionals, risk mitigation programs and online resources to help identify and manage exposures that may disrupt your operation. We collaborate with business leaders to develop customized programs to assist you in safeguarding your assets and improving the bottom line. To learn how our award -winning Risk Control services can help your business, please call (866) 262-0540, email us at riskcontrolwebinfo@cna.com or visit www.cna.com/riskcontrol. When it comes to providing the coverage, service and resources paramount to your business success ... we can show you more. AGENT Copyright CNA All Rights Reserved. HortaN i� o� Risk ManWmerdDivisian REVIEWED & APPROVED BY.- .qq� ��� r PZ. V Risk Management Analyst CNA CNA PARAMOUNT Policy Holder Notice - Notice of Terrorism Coverage - Disclosure of Premium IMPORTANT INFORMATION NOTICE — OFFER OF TERRORISM COVERAGE NOTICE — DISCLOSURE OF PREMIUM Solely with respect to the following coverage parts: Business Property General Liability Employee Benefits Liability Stop Gap Liability THIS NOTICE DOES NOT FORM A PART OF THE POLICY, GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. The Named Insured is hereby notified that under the Terrorism Risk Insurance Act, as extended and reauthorized ("Act"), the Named Insured has a right to purchase insurance coverage of losses arising out of acts of terrorism, as defined in Section 102(1) of the Act, subject to all applicable policy provisions. The Terrorism Risk Insurance Act established a federal program within the Department of the Treasury, under which the federal government shares, with the insurance industry, the risk of loss from future terrorist attacks. This Notice is designed to alert the Named Insured to coverage restrictions and to certain terrorism provisions in the N policy. If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy N (including its endorsements) apply. N r CHANGE IN THE DEFINITION OF A CERTIFIED ACT OF TERRORISM N The Act applies when the Secretary of the Treasury certifies that an event meets the definition of an act of terrorism. N Originally, the Act provided that to be certified, an act of terrorism must cause losses of at least five million dollars and must have been committed by an individual or individuals acting on behalf of any foreign person or foreign interest to coerce the government or population of the United States. However, the 2007 re -authorization of the Act removed the requirement that the act of terrorism must be committed by or on behalf of a foreign interest, and now certified acts of terrorism may encompass, for example, a terrorist act committed against the United States government by a United States citizen, when the act is determined by the federal government to be "a certified act of terrorism." In accordance with the Act, the Insurer is required to offer the Named Insured the ability to purchase coverage for losses resulting from an act of terrorism that is certified under the federal program. The other provisions of this policy, including nuclear, war or military action exclusions, will still apply to such an act. DISCLOSURE OF FEDERAL PARTICIPATION IN PAYMENT OF TERRORISM LOSSES The Department of the Treasury will pay a share of terrorism losses insured under the federal program. Beginning in 2020, the federal share equals 80% of that portion of the amount of such insured losses that exceeds the applicable insurer retention. LIMITATION ON PAYMENT OF TERRORISM LOSSES oRaN IZAMwaganadDivisian REVIEWED & APPROVED SY.- } z of p t" PZ. W&Wd CNA62820XX 1-21 Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Policy Holder Notice - Notice of Terrorism Coverage - Disclosure of Premium If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a Program Year (January 1 through December 31), the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. Further, this coverage is subject to a limit on the Insurer's liability pursuant to the federal law where, if aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a calendar year (January 1 through December 31) and the Insurer has met its insurer deductible under the Act, the Insurer shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion. In such case, insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. CONFIRMATION OF ACCEPTANCE OF COVERAGE In accordance with the Act, the Insurer offered the Named Insured coverage for losses resulting from an act of terrorism that is certified under the federal program. This notice confirms that the Named Insured has chosen to accept the Insurer's offer of coverage for certified acts of terrorism. The policy's other provisions, including nuclear, war or military action exclusions, will still apply to such an act. The premium charge for terrorism coverage is shown separately on the Declarations. CNA62820XX 1-21 Copyright CNA All Rights Reserved. �ortaN 3 z a RiskMmRgemerttDivisinn REVIEWED & APPROVED BY.- 4' p PZ. V Risk Management Analyst CNA CNA PARAMOUNT Policyholder Notice - Countrywide IMPORTANT INFORMATION REQUEST FOR JURISDICTIONAL INSPECTION OF PRESSURE EQUIPMENT Many states and some cities issue certificates permitting the continued operation of certain equipment such as boilers, water heaters and pressure vessels. Periodic inspections are required to renew these certificates. In most jurisdictions, as part of an equipment breakdown policy, insurance company employees who have been licensed are authorized to perform these inspections. If: • You own/operate pressure equipment that requires a certificate from a state, county, city or parish to operate legally, and • We insure that equipment under this Policy, and • You would like CNA to perform the next required inspection: Then: Complete the form on page 2 and email, mail or fax as instructed: No need to call or respond if you do not have boilers or pressure vessels that require operating certificates. BY EMAIL: EBinspections(&cna.com (please scan the completed form and attach) BY MAIL: BY FAX: 609-524-3649 CNA Equipment Breakdown Risk Control 184 Liberty Corner Road 4th Floor, Suite 402 Warren, NJ 07059 BY PHONE: call 866-262-0540 — press "4" Questions or inquiries can be made via any of the above methods of communication. Please note the following: • Your jurisdictions) may charge you a fee for renewing a certificate. It is your responsibility to pay such a fee. • If CNA is required to pay the fee on your behalf, CNA will invoice you to recover that fee. N 0 • All the provisions of the INSPECTION AND SURVEYS condition apply to the inspections described in this notice. N Failure to notify us can result in fines and penalties being issued to the equipment owner by the governing jurisdiction. CNA is not responsible for said fines or penalties. REMINDER If new equipment is installed or old equipment replaced that requires a jurisdictional inspection, please let us know by transmitting the new information to the postal address/fax number/email address listed above and on the following page. If this is a renewal and information (locations) has not changed, please disregard this notice. If inspection and maintenance are outside of your area of responsibility, we would appreciate your forwarding this notice to the appropriate person. If no response is received, we are assuming there are no jurisdictional objects at your location(s) and no inspections are required. Note: Jurisdictional inspections are not conducted outside of the United States, its territories, possessions, or Canada. CNA62823XX (07-2017) Copyright CNA All Rights Reserved. �ortaN RiskMmRgzmerttDivisinn REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Policyholder Notice - Countrywide REQUEST FOR JURISDICTIONAL INSPECTION Insured Name: Facility/Location Name: Policy Number: Policy Term: Contact Person & Title: Contact Phone Number(s)—Office: Cell: Contact Email Address: Location Address' City State Zip 1. 2. 3. Equipment Type2,14 Boiler Pressure Vessel Registration Number State # Certificate Expiration Date Completed By (Name & Date): Telephone #/Email Address: BY EMAIL: EBinspections(cDcna.com (please scan the completed form and attach) BY MAIL: BY FAX: 609-524-3649 CNA Equipment Breakdown Risk Control 184 Liberty Corner Road 4`h Floor, Suite 402 Warren, NJ 07059 BY PHONE: call 866-262-0540 — press "4" 'If multiple objects and/or multiple locations, please list all required information on separate page(s). 2Boiler is defined as an enclosed vessel heated by fuel or electricity to produce steam or hot water. 'Pressure Vessel is defined as an enclosed vessel (tank) greater than 6 cubic feet (18 inches x 40 inches) to store liquid or gas under pressure for use when needed. 'LPG (ex: propane, propylene, butane & butylenes) Tank with vapor pressures not exceeding that allowed for commercial propane. California requirement only. CNA62823XX (07-2017) Copyright CNA All Rights Reserved. �oRaN } z a RiskMmRgemerdDivisinn REVIEWED & APPROVED BY.- p PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Policy Holder Notice — Georgia IMPORTANT INFORMATION FOR OUR GEORGIA COMMERCIAL POLICYHOLDERS From the member companies of CNA Insurance (CNA) The laws of the State of Georgia prohibit insurers from unfairly discriminating against any person based upon his or her status as a victim of family violence. CNA62833GA 09-12 Copyright CNA All Rights Reserved. �H ORnN� } z a Risk �. lJMsiut REVIEWED & APPROVED BY.- p P. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Policy Holder Notice — Countrywide — Premium Basis Used on Liability Schedules Premium Basis Used on Liability Schedules This policy includes one or more Liability coverages with associated Schedules of locations, coverages or classifications. When such Schedules display an Exposure amount used to calculate premium, the Exposure amount is often followed by an abbreviation that denotes what the Exposure amount represents (Payroll, Gross Sales, Area, etc.). Such abbreviations are described below. A = Area (Per 1,000 Sq. ft.) AC = Acres (Each) AD = Activity Days (Each) AN = Animals (Each) AP = Airports (Each) AT = Attendants (Each) AU = Audited Premium (Last Year of Manufacture - %) B = Bodies (Each) BA = Bales (Per 1,000 Bales) BD = Beds (Each) BE = Beaches (Each) BO = Boats (Each) C = Total Cost (Per $1,000 of Total Cost) CD = Camper Days (Each Camper Day) CN = Contestants (Each) CU = Convention Days (Each) CW = Cost of Work (Per $1,000 of Total Cost of Work) DB = Drawbridges (Each) DM = Dams (Each) DW = Dwellings (Each) E = Each (Per Entity Described) EM = Employees (Each) ES = Solar Energy Systems (Each) ET = Turbines (Each) EX = Exhibitions (Each) F = Flat Charge (Flat Premium Charge) FG = Fairgrounds (Each) FM = Faculty Members (Each) FP = Fishing Piers (Each) G = Graduates (Each) GA = Games (Each) GL = Gallons (Per 1,000 Gallons) GS = Grandstands/Bleacher (Each) H = Number of Golf Holes (Each) HO = Hoists (Each) HQ = Headquarters (Each) K = Kennels (Each) L = Limit (Limit of Insurance for Coverage) LD = Locations Days (Each) LE = Lessees (Each) LO = Locations (Each) LR = Lakes/Reservoirs (Each) LW = Lawyers (Each) M = Admissions (Per 1,000 Admissions) ME = Members (Each) MH = Model Homes (Each) MI = Miles (Each) NB = Newsboys (Each) O = Operators (Each) OE = Operating Expenditures (Per $1,000 of Operating Expenditures) P = Payroll (Per $1,000 of Payroll) PD = Passenger Days (Per 1,000 Passenger Days) PG = Picnic Grounds (Each) PP = Parks/Playgrounds (Each) PR = Parades (Each) PS = Persons (Each) PU = Pupils (Each) R = Receipts (Per $1,000 of Receipts) RG = Registrants (Each) RN = Range RV = Revenue (Per CNA75144XX 04-15 Copyright CNA All Rights Reserved. �ortaN 'z 3 of RiskMmRgemerttDiAsinn REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Policy Holder Notice - Countrywide - Premium Basis Used on Liability Schedules S = Gross Sales SA = Classification SIB = Sub 336 Premium SC = Scouts SD = Students SE = Seats SG = Total GL Premium SH = Shows SL = 334/336 Premium (Per $1,000 of Gross Sales) (Total Class Specific Premium - %) (Products & Completed Operations Premium - %) (Each) (Each) (Each) (General Liability Premium - %) (Each) (Premises & Operations and Products & Completed Operations Premium - %) SP = Swimming Pools ST = Stations SU = Sub 334 Premium TE = Teams TO = Towers U = Unit VE = Vehicles VO = Volunteers WC = WC Premium Z = Zoos CNA75144XX 04-15 Copyright CNA All Rights Reserved. (Each) (Each) (Premises & Operations Premium - %) (Each) (Each) (Per Dwelling Unit) (Per 1,000 Vehicles) (Each) (Per 1,000 of Workers' Compensation Premium) (Each) �ortaN RiskMmRgemerdDiAsinn REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Policy Holder Notice — Countrywide DENOTING DEFINED TERMS As noted elsewhere in this Policy, terms in bold face type have the special meanings assigned to them in pertinent Definitions sections or Glossaries. When applicable, terms in "quotation marks" shall be treated as if they were in bold face type, and shall have the same special meanings described in the pertinent Definitions sections or Glossaries. CNA89319XX 06-17 Copyright CNA All Rights Reserved. �oRaN } z a RiskMmRgemerdDivisinn REVIEWED & APPROVED BY.- p PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Policy Holder Notice - Countrywide QUALITY ASSURANCE FORM Help Us To Serve You Better Every effort has been made to produce a quality product for you. Please review this transaction, and if it is incorrect list the correction needed in the space provided below and fax this Quality Assurance Form to us at 877-363-8669 or email to ciet@cna.com Questions pertaining to any transaction should be referred to CNA Customer Interaction Center at 877-574-0540, Option 3 Please send routine requests via standard ACORD forms through the same method you are using today. The preferred method is by fax: to 8 7 7 - 3 6 3 - 8 6 6 9 Insured/Account Name: LYRASIS INC Policy Number: C 6017210152 Line of Business: PMT Agent Name: ARTHUR J GALLAGHER RISK MGMT SRV INC Producer Code: 028489 Branch: ATLANTA BRANCH Transaction Type: Renewal Transaction Effective Date: 04/16/2021 Your Transaction was processed by Commercial Insurance Center - Lake Mary, FL C ID: BY CAE6004 Transaction Incorrect - See Below. Correction needed: CNA68757XX 09-12 Copyright CNA All Rights Reserved. Transaction Processed Correctly �ortaN Risk MmWmerdDiMsiun REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Policy Declarations Policy Number: 6017210152 Renewal of: 6017210152 Policy Name: VALLEY FORGE INSURANCE COMPANY Issued by: Address: 151 N Franklin CHICAGO, IL 60606 Producer Code: 028489 Name: ARTHUR J GALLAGHER RISK MGMT SRV INC Producer's Address: 1050 CROWN POINTE PKWY STE 600 Information: ATLANTA, GA 30338 1. Named Insured Name: LYRASIS INC and mailing address: Address: 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2955 2. Coverage The coverage parts attached to and Parts: forming part of this Policy Business Property General Liability Employee Benefits Liability Stop Gap Liability 3. Policy Period: Effective date from: to At 12:01 A.M. Standard Time at your 04/16/2021 04/16/2022 mailing address shown above 4. Limits of Insurance and Deductibles: See Coverage Part Declarations 5. Premium, See Coverage Part Declarations for Coverage Part Surcharges, Premium, surcharges, taxes and fees Taxes and Fees at Total Premium and applicable taxes, surcharges and fees $5, 142 . 00 Issuance: CNA62639XX 09-12 Copyright CNA All Rights Reserved. HortaN 3 z a Risk MmWmerdDi sign REVIEWED & APPROVED BY: p PZ. V Risk Management Analyst CNA CNA PARAMOUNT Policy Declarations 6. Forms and Endorsements Attached to this Policy at Issuance: See Schedule of Forms and Endorsements These Declarations, along with any attached forms and endorsements shall constitute the contract between the Insureds and the Insurer. CNA62639XX 09-12 Copyright CNA All Rights Reserved. HortaN 3 z Risk MmWmerdDi sign REVIEWED & APPROVED BY: Risk Management Analyst CNA CNA PARAMOUNT Schedule of Forms and Endorsements Policy Number: 6017210152 I. CNA PARAMOUNT A. Policyholder Notices EndmIt Number Form Title Form Number Form Edition PHN OFFER OF TERRORISM COVERAGE-DISCLOSUR OF PREM CNA6282OXX 01-21 Notice To Policyholders Jurisdictional Inspections CNA62823XX 07-17 Policy Holder Notice - Georgia CNA62833GA 09-12 Policy Holder Notice - Countrywide - Premium Basis Used on Liability Schedules CNA75144XX 04-15 Policy Holder Notice - Countrywide CNA89319XX 06-17 B. Policy Terms & Conditions Policy Declarations CNA62639XX 09-12 Schedule of Forms and Endorsements CNA62640XX 09-12 Common Terms and Conditions CNA62642XX 10-15 II. POLICY COVERAGE PARTS A. First Party Terms & Conditions First Party Glossary of Defined Terms CNA62641XX 10-15 First Party Terms and Conditions CNA62647XX 10-15 B. Business Property Business Property Coverage Part Declarations CNA62643XX 09-12 Business Property Schedule of Coverages and Limits CNA62645XX 10-15 Business Property Schedule of Locations CNA62644XX 10-15 1 Loss Payee or Mortgagee Schedule CNA62728XX 10-15 Business Property Coverage Part CNA62648XX 10-15 2 Technology Property Extension Endorsement CNA62665XX 10-15 F. General Liability General Liability Coverage Part Declarations CNA74694XX 01-15 CNA62640XX 09-12 Copyright CNA All Rights Reserved. �oRaN Risk MmWmerdDi sign REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Schedule of Forms and Endorsements Policy Number: 6017210152 Endm't Number Form Title Form Number Form Edition Additional Declarations - General Liability Schedule of Locations and Coverages CNA75126XX 01-15 Commercial General Liability Coverage Part CG0001 04-13 3 Technology General Liability Extension Endorsement CNA74872XX 01-15 4 General Aggregate Limit - Designated Locations Endorsement CNA74827XX 01-15 5 Pollution Exclusion Amendatory Endorsement CNA74843XX 01-15 6 Personal and Advertising Injury Specified Offenses Endorsement CNA74907XX 01-15 7 Silica Exclusion Endorsement CNA74687XX 01-15 8 Fungi / Mold / Mildew / Yeast / Microbe Exclusion Endorsement - Georgia CNA74708GA 01-15 9 Employment -Related Practices Exclusion Endorsement CNA74761XX 01-15 10 Exclusion - Access or Disclosure of Confidential or Personal Information and Data -Related Liability - with Limited Bodily Injury Exception Endorsement CNA75089XX 01-15 G. Employee Benefits Liability Employee Benefits Liability Coverage Part CNA74693XX 01-15 Declarations Additional Declarations - Employee Benefits CNA75133XX 01-15 Liability Schedule of Locations and Coverages Employee Benefits Liability Coverage Part - CNA74721XX 01-15 Occurrence 11 Employee Benefits Liability - Amended Definition CNA86269XX 10-16 of Executive Officer Endorsement 12 State Amendatory Endorsement (Employee Benefits CNA75177GA 01-15 Liability- Occurrence) - Georgia I. Stop Gap Liability CNA62640XX 09-12 Copyright CNA All Rights Reserved. �oRaN Risk MmWmerdDi sign REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Schedule of Forms and Endorsements Policy Number: 6017210152 Endm't Number Form Title Form Number Form Edition Stop Gap Coverage Part Declarations CNA7483OXX 01-15 Additional Declarations - Stop Gap Liability Schedule of Locations and Coverages CNA75134XX 01-15 Stop Gap Liability Coverage Part CNA74934XX 01-15 13 Duty to Defend Endorsement - Wyoming CNA74920WY 01-15 14 Stop Gap Liability Coverage Endorsement - Ohio CNA752670H 01-15 15 SGL - Amend Def of Employee and Exec Officer End CNA83894XX 10-15 III. POLICY ENDORSEMENTS 16 Amendment to Policy Declarations- Named Insured Endorsement CNA6270OXX 09-12 17 Broad Named Insured Endorsement CNA75108XX 01-15 18 Bridge Endorsement CNA62646XX 01-15 19 Cancellation / Nonrenewal Endorsement - Georgia CNA62814GA 12-19 20 Amendatory Endorsement - Georgia CNA62815GA 01-20 21 Calculation of Premium Endorsement CNA74726XX 01-15 22 Waiver of Exclusion - Punitive Damages Endorsement - Georgia CNA75269GA 01-15 23 Asbestos Exclusion Endorsement CNA74719XX 01-15 24 Nuclear Energy Liability Exclusion Endorsement (Broad Form) CNA74727XX 01-15 25 Cap on Losses from Certified Acts of Terrorism Endorsement CNA81503XX 02-15 CNA62640XX 09-12 Copyright CNA All Rights Reserved. �oRaN Risk ManagemerdDi Sian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Common Terms and Conditions The Insurer and the Named Insured, in consideration of the payment of the premium and in reliance upon all statements made in the application furnished to the Insurer designated in the Policy Declarations, a stock insurance corporation, hereafter called the "Insurer," agree as follows. Terms in bold face type have special meaning as set forth in any applicable First Party Glossary of Defined Terms or the applicable coverage parts of this Policy. All headings are also in bold, whether or not they contain defined terms. See Section XVI, HEADINGS below. I. ASSIGNMENT OF INTEREST Assignment of interest under this Policy shall not bind the Insurer unless its consent is endorsed to this Policy except in the case of death of a natural person Named Insured. II. BANKRUPTCY Bankruptcy or insolvency of any Named Insured or of the Named Insured's estate shall not relieve the Insurer of any of its obligations hereunder. III. CANCELLATIONMONRENEWAL A. Insurer's Right to Cancel The Insurer may cancel this policy by providing to the First Named Insured written notice of such cancellation stating when, not less than 10 days thereafter, such cancellation shall be effective if such cancellation is due to non-payment of premium. If cancellation is due to any other reason, such notice shall be provided not less than 60 days thereafter. B. Named Insured's Right to Cancel The First Named Insured may cancel this Policy by providing the Insurer written notice stating when thereafter such cancellation shall be effective. The mailing or delivery of such notice shall be sufficient. C. Premium Refund If this policy is cancelled, the Insurer will send the First Named Insured any premium refund due. If the Insurer cancels, the refund will be pro rata. If the First Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if the Insurer has not made or offered a refund. 0 D. Nonrenewal N r If the Insurer decides not to offer any renewal terms for this Policy, the Insurer shall provide written notice to the 0 Named Insured at least 60 days prior to the Policy expiration date. The notice shall include the reason for such 0 non -renewal. E. Notices If any notice required under this Section is mailed, proof of mailing will be sufficient proof of notice. IV. CHANGES Notice to or knowledge possessed by any agent or other person acting on behalf of the Insurer shall not effect a waiver or a change in any part of this Policy or stop the Insurer from asserting any right under the provisions of this Policy, nor shall the provisions be waived or changed except by written endorsement issued to form a part of this Policy. V. CONFORMITY TO STATUTE Terms of these conditions or any coverage part that are in conflict with the statutes of the state in which this policy is issued are hereby amended to conform to such statutes. CNA62642XX 10-15 Copyright CNA All Rights Reserved. HortaN Risk MmRgzmerttDiAsian r� ^ecoG< REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT Common Terms and Conditions VI. COORDINATION AMONG COVERAGE PARTS Subject always to the applicable Limit of Liability, should two or more coverage parts apply to the same loss, the Insurer will not pay more than the Named Insured's actual loss. VII. COVERAGE PART TERMS AND CONDITIONS The terms and conditions of each coverage part apply only to that coverage part and shall not apply to any other coverage part. If any provision in the Common Terms and Conditions is inconsistent or in conflict with the terms and conditions of any coverage part, the terms and conditions of such coverage part shall control for purposes of that coverage part. Vill. CURRENCY All premiums, limits, deductibles and other amounts stated or payable under this Policy are expressed and payable in the currency of the United States of America. If any payments due under this Policy are stated or incurred in a currency other than United States of America dollars, payment under this Policy will be made in United States of America dollars, at the rate of exchange published in The Wall Street Journal on the date the Insurer's obligation to pay such amount is established (or, if not published on such date, the next publication date of The Wall Street Journal). IX. ENTIRE AGREEMENT The Named Insureds agree that this Policy constitutes the entire contract existing between them and the Insurer or any of its agents relating to this insurance. X. EXAMINATION OF THE INSURED'S BOOKS AND RECORDS The Insurer may examine and audit any Named Insured's books and records as they relate to this Policy at any time during the policy period and up to 3 years afterward. XI. INSPECTIONS AND SURVEYS The Insurer has the right but not the obligation to: A. make inspections and surveys at any time; B. provide reports on the conditions it finds; C. recommend changes; or D. conduct loss control and prevention activity. Any inspections, surveys, reports, or recommendations relate only to insurability and the premiums to be charged. The Insurer does not: 1. make safety inspections; 2. undertake to perform the duty of any entity to provide for the health or safety of workers or the public; 3. warrant that conditions are safe or healthful or comply with laws, regulations, codes or standards. XII. LIBERALIZATION If the Insurer adopts any revision that would broaden the coverage under this Policy without additional premium within 60 days prior to or during the policy period, the broadened coverage will immediately apply to this Policy. CNA62642XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT Common Terms and Conditions XIII. NAMED INSURED AUTHORIZATION AND NOTICES The First Named Insured agrees that it will act on behalf of all Named Insureds with respect to the giving of all notices to the Insurer, the receipt of notices from the Insurer, the payment of the premiums, the receipt of any return premiums that may become due under this Policy, and the acceptance of endorsements. Any notices required under the CANCELLATION / NON -RENEWAL sections of this Policy shall be provided to the First Named Insured at the last known address and to its insurance agent or broker. If notice is mailed, proof of mailing will be sufficient proof of notice. XIV. NO SUIT AGAINST INSURER A. No suit shall be brought under this Policy by anyone other than the Named Insured. The Named Insured may not bring any such suit, action or legal proceeding unless, as a condition precedent, there shall have been full compliance with all the provisions of this Policy and: 1. with respect to any property coverage part, the action is brought within 3 years after the date on which the loss or damage occurred or, with respect to any crime coverage, the date the loss was discovered; 2. with respect to any third party coverage part, the amount of the Named Insured's obligation to pay shall have been finally determined either by final and nonappealable judgment against the Named Insured after trial or by written agreement of the Named Insured, the claimant and the Insurer. However, if any law prohibits such time limitation then the limitation is amended to equal the minimum time limitation required by such law. B. No person or organization shall have any right under this Policy to join the Insurer as a party to any suit against the Named Insured to determine the Named Insured's liability, nor shall the Insurer be impleaded by the Named Insured or their legal representatives in any such suit. XV. TRADE AND ECONOMIC SANCTIONS This Policy does not provide coverage for any Named Insured, transactions, or any loss that is uninsurable under the laws or regulations of the United States concerning trade or economic sanctions. XVI. HEADINGS The descriptions in the headings of this Policy are solely for convenience, and form no part of the terms and conditions of coverage. IN WITNESS WHEREOF, the Insurer has caused this Policy to be signed by its Chairman and Secretary at Chicago, Illinois, but the same shall not be binding upon the Insurer unless countersigned by a duly authorized representative of the Insurer. Chairman Secretary CNA62642XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms This First Party Glossary of Defined Terms applies to the Business Property Coverage Part and the Business Crime Coverage Part, as applicable, and their associated forms and endorsements. For purposes of this Policy, words in bold, whether expressed in the singular or the plural, have the meaning shown below. Actor Decision Act or decision means any act or decision, whether intentional or negligent, including the failure to act or decide, of any person, group, organization or governmental body which creates or allows a result which is unexpected, inadequate, defective, faulty or otherwise unsuitable for the intended purpose. Actual Cash Value Actual cash value means the replacement cost with deduction for depreciation, deterioration and obsolescence which amount is computed as of the time and at the place of loss or damage. Alteration Alteration means the material modification of an original document by a person acting without authority and with the intent to deceive. Alteration does not include the electronic or manual insertion of any personal identification code, including personal identification numbers or password or a counterfeit. Banking Premises Banking premises means the interior of that portion of any building occupied by a financial institution. Bonus Payment Bonus payment means the unamortized amount, other than rent or security, which the Named Insured paid to acquire the Named Insured's lease and that will not be refunded to the Named Insured. Building Building means a building or structure, including completed additions, additions under construction and alterations and repairs to such building or structure that the Named Insured owns, occupies or is legally or contractually required to insure. N O O O Business Income Business income means net income, including rental value, plus continuing operating expenses. Business income does not include research and development business income. Client Client means a third party for whom the Named Insured performs specified professional services for a fee. Computer Fraud Computer fraud means theft of money, securities and other property following and directly related to the use of any computer to fraudulently cause a transfer of that property to a person who is not an employee or to an account of any financial institution not controlled by the Named Insured. CNA62641XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Contaminants or Pollutants Contaminants or pollutants mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. Continuing Operating Expenses Continuing operating expenses means: A. the Named Insured's normal operating expenses including any reasonable and necessary payroll; plus B. charges that are the unsatisfied legal obligation of the Named Insured's tenants and for which the Named Insured is now obligated. Continuing operating expenses does not include extra expense, expediting expense or research and development project continuing expenses. Counterfeit Counterfeit means a written imitation of an actual valid original document that is intended to deceive and to be taken as the original document. Coverage Part Coverage part means the Business Property Coverage Part and Business Crime Coverage Part, as applicable. Coverage Territory Coverage territory means the United States of America, its territories or possessions, Canada, or Puerto Rico. Coverage territory does not include any waterborne shipment to or from Alaska, Puerto Rico, Hawaii or territories or possessions of the United States of America. Covered Equipment Covered equipment means any boiler, fired or unfired vessel, refrigerating or air conditioning system, piping and its accessory equipment, and any mechanical or electrical machine or apparatus used for the generation, transmission, or utilization of mechanical or electrical power. Covered Instruments Covered instruments means written checks, drafts, promissory notes or similar written promises, orders or directions to pay a sum certain in money, and also includes written instruments required in conjunction with any credit, debit or charge card issued to the Named Insured or to any employee for business purposes, or issued to any proprietor, partner, member or officer of the Named Insured for personal use. Covered Peril Covered peril means a fortuitous cause or event, not otherwise excluded, which occurs during this policy period. Covered peril does not include: 1. a fortuitous cause or event, whether or not excluded, which actually occurred prior to the policy period, regardless of the date on which it first becomes manifest or is first discovered; or 2. damage from unknown causes or events. CNA62641XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Covered Property Covered property means the property that is insured for loss or damage under the Business Property Coverage Part or endorsements. Denial of Service Attack Denial of service attack means an attack executed over one or more networks or the internet, which attack is designed and intended to disrupt the operation of one or more networks and render the networks inaccessible to authorized users. Dependent Property Dependent property means a premises that is operated by others on whom the Named Insured depends to: A. deliver materials or services to the Named Insured or to others for the Named Insured's account; B. accept the Named Insured's products or services; C. manufacture products for delivery to the Named Insured's customers under contract of sale; or D. attract customers to the Named Insured's business. The dependent property includes the area associated with that address in which the occupant of the above premises is legally entitled to conduct business activities and includes the area extending 1,000 feet beyond that address. Dependent property does not include: 1. any premises operated by others on whom the Named Insured depends to deliver any: a. power, communications or other utility services; b. internet access or internet services; or c. data management, network management, software management or cloud computing and storage services; or 2. any premises within any country in which the United States government has imposed sanctions, embargoes or similar prohibitions. Discover or Discovered Discover or discovered means the earlier of the time when the Named Insured first: A. becomes aware of facts which would cause a reasonable person to assume that a covered loss did or will happen, regardless of when the act that may cause or contribute to such loss occurred, even though the exact amount or details of loss may not be known; or B. receives notice of an actual or potential claim in which it is alleged that the Named Insured is liable to a third party under circumstances that, if true, would constitute a covered loss. Earth Movement Earth movement means earthquake or other seismic activity (including but not limited to underground magma activity), the abrupt rising, sinking or shifting of earth (naturally occurring or man-made) or mine subsidence. However, earth movement does not include landslide, avalanche, tsunami, sinkhole collapse or volcanic eruption. CNA62641XX 10-15 Copyright CNA All Rights Reserved. HortaN Risk MmRgzmerttDiAsian REVIEWED & APPROVED BY.- o z °I f PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Electronic Data Processing Equipment Electronic data processing equipment means: A. a network of electronic components capable of accepting information and processing it according to a plan and which exists primarily to generate information in tangible form or on electronic media, including climate control and fire protective equipment used solely in connection with data processing operations; B. telephone equipment; and C. facsimile equipment. Electronic data processing equipment does not include any equipment which: 1. are stock; or 2. exist primarily to control or operate machinery or equipment to produce goods in processor finished stock. Electronic Data Processing Equipment Leasehold Values Electronic data processing equipment leasehold values means the present value of the difference between the: A. actual periodic lease payments for electronic data processing equipment that has incurred direct physical loss or damage and for which the Named Insured remains liable during the unexpired term of the lease; and B. periodic payment for the replacement of electronic data processing equipment due under the new lease, for each remaining month of the term of the lease. Electronic Infection Electronic infection means the transmission of a computer virus. Electronic Vandalism Electronic vandalism means the willful or malicious alteration, manipulation or destruction of media, electronic data processing equipment, research and development project property and records of accounts receivable due to system penetration, electronic infection or a denial of service attack, including such acts committed by an employee (including leased and temporary employees). Employee Employee means: A. any natural person: 1. while in the Named Insured's service (and for 60 days after termination of service); 2. whom the Named Insured compensates directly by salary, wages, or commissions; and 3. whom the Named Insured has the right to direct and control while performing services for the Named Insured; B. any natural person who is furnished to the Named Insured: 1. to substitute for a permanent employee on leave; or 2. to meet seasonal or short-term workload conditions, while that person is subject to the Named Insured's direction and control and performing services for the Named Insured, excluding, however, any such person while having care and custody of the Named Insured's property outside the premises; CNA62641XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgzmerttDiAsian REVIEWED & APPROVED BY.- PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms C. any natural person leased to the Named Insured, under an agreement between the Named Insured and a labor leasing firm, while that person is subject to the Named Insured's direction and control and performing services for the Named Insured; D. any non -compensated natural person: 1. other than one who is a fund solicitor, while performing services for the Named Insured that are usual to the duties of an employee or officer; or 2. while acting as a fund solicitor during fund raising campaigns; or E. solely with respect to an employee benefit plan, any natural person who is required to be bonded by the Employee Retirement Income Security Act of 1974 (ERISA), any amendments thereto and any regulations promulgated thereunder. Other than with respect to an employee benefit plan, employee does not include any: 1. agent, broker, factor, commission merchant, consignee, independent contractor or representative of the same general character; or 2. manager, member, partner, proprietor, director or trustee, but solely to the extent he or she is acting in his or her capacity as such. Employee Benefit Plan Employee benefit plan means an employee welfare benefit plan or an employee pension benefit plan as more fully set forth in Title 1, Section 3 of the Employee Retirement Income Security Act of 1974 (ERISA) and any amendments thereto and which is solely sponsored by the Named Insured. Employee Theft Employee theft means theft committed by an employee to the deprivation of the Named Insured or an employee benefit plan, whether identified or not, acting alone or in collusion with others. Solely with respect to an employee benefit plan, employee theft means all acts of fraud or dishonesty required to be bonded against by the Employee Retirement Income Security Act of 1974 (ERISA), any amendments thereto and any regulations promulgated thereunder. Employee theft also includes forgery of such property by an employee. Equipment Breakdown Peril Equipment breakdown peril means: A. Artificially generated electrical current, including electrical arcing, that injures or disturbs electrical devices wiring or equipment. B. Explosion, rupture or bursting of steam boilers, steam pipes, steam engines, stream turbines, gas turbines or apparatus attached to and forming a part thereof, when owned, operated or controlled by the Named Insured, except for the explosion of accumulated gases or fuel within the furnace of any fired vessel, other than gas turbines, or within the flues or passages through which the products of combustion pass. C. Any condition or event inside steam boilers, steam pipes, steam engines, steam turbines, gas turbines or apparatus attached to and forming a part thereof, when owned, operated or controlled by the Named Insured; except for explosion of accumulated gases or fuel within the furnace of any fired vessel, other than gas turbines, or within the flues or passages through which the gases of combustion pass. D. Any condition or event, other than an explosion, inside hot water boilers, other water heating equipment, engines other than steam engines or pressure vessels when owned, operated or controlled by the Named Insured. E. Mechanical or machinery breakdown, including rupture or bursting caused by centrifug operated or controlled by the Named Insured. CNA62641XX 10-15 Copyright CNA All Rights Reserved. N ,=a RiskMmRgzmerdDivisian �� � REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Executive Officer Executive officer means any natural person partner, member, officer, manager (of a limited liability company), director or trustee of the Named Insured. Extra Expense Extra expense means actual reasonable and necessary operating expenses the Named Insured incurs during the period of restoration that would not have been necessary to incur if there had been no direct physical loss of or damage to property, provided such expenses are incurred: A. to avoid or minimize the suspension or delay of operations and to continue such operations which have been affected by the direct physical loss or damage to the property; or B. in an attempt to minimize the period of restoration. Extra expense does not include: 1. research and development project continuing expenses or continuing operating expenses; 2. costs incurred to purchase merchandise as a replacement for the Named Insured's finished stock; 3. costs to repair or replace any property, or research or restore media or records of accounts receivable; or 4. amounts incurred on financing or investment activity conducted for the Named Insured's account. Financial Institution Financial institution means: A. a banking, savings or thrift institution, credit union or similar depository institution; or B. a stock brokerage firm, mutual fund, liquid assets fund or similar investment institution where the Named Insured maintains an account. However, financial institution does not include check cashers, currency exchangers or money remittance firms. Fine Arts Fine arts means paintings, etchings, pictures, tapestries, art glass windows, valuable rugs, statuary, marbles, bronzes, antiques, porcelains, rare books, manuscripts, and similar property of rarity, historical value or artistic merit. Finished Stock Finished stock means manufactured goods that are in a completed state and ready for packing, shipment, installation or sale. However, finished stock does not include manufactured goods that are held for sale at a location of any retail outlet. First Named Insured First Named Insured means the person or entity first named in Item 1 of the Policy Declarations. Fixtures Fixtures means: A. indoor or outdoor property fixed or attached to a building, including permanently installed machinery and equipment; or B. glass (including all lettering and ornamentation) forming part of the building. CNA62641XX 10-15 Copyright CNA All Rights Reserved. a r N Risk Management Division 3 REVIEWED & APPROVED BY.- E� Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Flood Flood means a general and temporary condition of partial or complete inundation of normally dry land areas from: A. the overflow, or the expansion beyond normal boundaries, of inland or tidal waters, including natural or man-made lakes, reservoirs, ponds, brooks, rivers, streams, harbors, oceans or any other body of water or watercourse; B. waves, tides or tidal waves including tsunami; or their spray, all whether driven by wind or not, including storm surge. Forgery Forgery means the signing of the name of another person or organization with intent to deceive. Forgery does not include: A. a signature which consists in whole or in part of one's own name signed with or without authority, in any capacity for any purpose; B. the electronic or manual insertion of any personal identification code, including personal identification numbers or passwords; or C. counterfeit. Funds Transfer Fraud Funds transfer fraud means theft of money and securities following and directly related to the use of fraudulent written or verbal instructions which are purported to have been made by the Named Insured, which causes an electronic transfer of money or securities from a financial institution to: A. an account at a financial institution not controlled by the Named Insured; or B. a person other than an employee. Fungi Fungi means any form of fungus, including but not limited to, yeast, mold, mildew, rust, smut or mushroom, and including any spores, mycotoxins, odors, or any other substances, products, or byproducts produced by, released by, or arising out of the current or past presence of fungi. Fungi does not include any fungi intended by the Named s Insured for consumption. N O O 0 Goods In Process Goods in process mean raw stock which has undergone any aging, seasoning, mechanical or other process of manufacture but which has not become finished stock. Green Insured Property Green insured property means insured property created, built or constructed following the practice of creating buildings or materials or using processes that incorporate one or more of the following practices and are certified as such by a government organization or a nationally or internationally recognized building industry organization or governmental agency, such as the U.S. Green Building Council (LEED certification), ECD Energy, Environment Canada (Green Globes) or the U.S. Department of Energy: A. Energy Efficiency, including steps implemented to obtain an ENERGY STAR label for a building at a location or reported unspecified location, as well as use of ENERGY STAR or equivalently rated materials, lighting systems, HVAC equipment, appliances or electronic products (if current like kind and quality replacement is not ENERGY STAR rated). CNA62641XX 10-15 Copyright CNA All Rights Reserved. ortaN Risk MmRgzmerttDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms B. Water Efficiency, including use of water efficient processes and wastewater technologies, as well as use of alternative water or indoor plumbing systems that reduce water usage from any plumbing fixture. C. Materials Efficiency, including use of sustainable and environmentally preferable construction materials, materials management and re -cycling programs. D. Environmental Quality, including reduction of the quantity of indoor air contaminants by use of low -emitting products or materials. Green insured property does not include stock, processing water, molds and dies, property in the open, personal property of others or personal property of executive officers or employees. Gross Leasehold Interest Gross leasehold interest means the difference between the: A. the current monthly rental value at the market rate of the location or the reported unspecified location the Named Insured has leased on the date the direct physical loss or damage occurred; and B. the actual monthly rent the Named Insured currently pays, including taxes, insurance, janitorial or other services or fees that the Named Insured pays as part of the rent and other monthly assessments. Installation Location Installation location means a premises that is not owned, leased or operated by the Named Insured at which installation property is or will be installed, constructed or serviced. Installation Property Installation property means personal property that has or will become a permanent part of an installation, construction, or service project being performed for others by the Named Insured, or on the Named Insured's behalf. Insured Property Insured property means real property and personal property. Location Location means each of the locations specified in the Business Property Schedule of Locations or scheduled in any endorsement to this Policy and includes: A. the area associated with that address in which the Named Insured is legally entitled to conduct business activities; and B. the area extending 1,000 feet beyond that address. Manager Manager means any natural person manager or member. Manufactured Goods Manufactured goods means goods manufactured at a premises: A. the Named Insured owns or operates; or B. that the Named Insured does not own or operate, provided the Named Insured: 1. contracted for the goods to be manufactured exclusively for the Named Insured; a CNA62641XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms 2. the Named Insured is the owner or licensee of the design, patent, trademark or copyright for the goods. Market Value Market value means the price that property might be expected to realize if offered for sale in a fair market. Media Media means recorded information in any format which is an existing original or which can be duplicated or replaced by purchasing an existing duplicate that is for sale, and including any material upon which it is inscribed, printed, written or recorded, owned by the Named Insured or owned by others in the Named Insured's care, custody or control. Media does not include money, securities, stock, fine arts, records of accounts receivable or research and development project property. Member Member means any person serving on the Board of Managers or equivalent executive of a Named Insured that is a limited liability company. Merchandise Merchandise means: A. goods held for sale or installation by the Named Insured which are not manufactured goods; or B. manufactured goods which are completed and ready for packing, shipment, installation or sale at a location of any retail outlet. Messenger Messenger means any of the Named Insured's natural person members, proprietors, partners, executive officers or employees who are duly authorized by the Named Insured to have care and custody of the property outside the premises. 0 N s Microbes N Microbes means any: N O O A. non -fungal microorganism; B. non -fungal, colony -form organism; C. virus; or D. bacteria. Microbe includes any spores, mycotoxins, odors, or any other substances, products, or byproducts produced by, released by, or arising out of the current or past presence of microbes. Mobile Computing Device Mobile computing device means cellular phones, laptop computers and other personal hand-held electronic devices, including accessories for such portable computing devices used in the Named Insured's business that are owned by the Named Insured, executive officers or employees (including leased or temporary employees). Mobile computing device does not include any of these devices while rented or leased to CNA62641XX 10-15 Copyright CNA All Rights Reserved. HortaN Risk MmRgzmerttDiAsian `'e'�°�i REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Money Money means: A. currency, coins and bank notes in current use and having a face value; and B. travelers checks, register checks and money orders held for sale to the public. Monthly Leasehold Interest Monthly leasehold interest means the original costs the Named Insured paid for bonus payments and prepaid rent, divided by the number of months left in the Named Insured's lease at the time of the expenditure. Mudslide or Mudflow Mudslide or mudflow means a river of liquid and flowing mud on the surface of normally dry land areas as when earth is carried by a current of water and deposited along the path of the current. Named Insured Named Insured means the persons or entities named as such on the Business Crime Coverage Part, Business Property Coverage Part or Policy Declarations. For insured property that is the subject of a Contract of Sale, Named Insured includes the Contract of Sale Loss Payee. Named Storm Named storm means a tropical storm system that is declared to be named by the National Hurricane Center, World Meteorological Organization or any similar organization, agency or body responsible for naming such weather systems, including tropical storm spawned tornados or microbursts. The named tropical storm begins when such organization, agency or body officially declares the storm system as a named tropical storm and ends when that organization, agency or body officially declares the named tropical storm: A. permanently downgraded to a tropical depression; B. reclassified as a Post Tropical Cyclone and the maximum sustained surface wind speed (using U.S. 1-minute average) is 33 kt (38 mph or 62 km/hr) or less; or C. reclassified as an Extra Tropical Cyclone and the maximum sustained surface wind speed (using U.S. 1-minute average) is 33 kt (38 mph or 62 km/hr) or less. Net Income Net Income means net profit or loss that would likely have been earned or incurred before taxes. Net income does not include any profit that would likely have been earned as a result of an increase in the business transactions due to favorable business conditions caused by the impact of the covered peril in the vicinity of such covered peril. Net Leasehold Interest Net leasehold interest means the net present value of the gross leasehold interest for each remaining month of the term of the lease, discounted at the Prime Rate on the date the direct physical loss or damage occurs, rounded to the nearest dollar. CNA62641XX 10-15 Copyright CNA All Rights Reserved. a r N Risk MmRgmertt DiAsian 3 REVIEWED & APPROVED BY.- E� Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Newly Acquired Location Newly acquired location means a fixed premises the Named Insured owns, leases, rents or controls. The premises becomes a newly acquired location on the later of: A. the date the Named Insured obtains possession or control of the premises; or B. the date the real property, personal property, fine arts, records of accounts receivable or media for which the Named Insured has an insurable interest is placed at the premises. Newly acquired location does not include: 1. a location; 2. an unspecified location; 3. a reported unspecified location; 4. an installation location; or 5. a fair, trade show or exhibition. Occurrence Occurrence means one event or a series of related events that contribute concurrently to or contribute in any sequence to physical loss of or damage to property. However, with respect to: A. the equipment breakdown peril, occurrence means all equipment breakdowns that manifest themselves at the same time and are the result of the same cause, regardless of the number of locations or reported unspecified locations or other premises involved. B. a named storm, occurrence means each named storm. If a named storm is downgraded to a tropical depression, such tropical depression shall be considered a separate occurrence. C. theft, occurrence means all loss sustained by the Named Insured caused by 1. any single act or series of related acts; 2. any act or acts involving one person, or a group of persons acting together; or 3. an act or event, or a series of related acts or events, not involving any identifiable person. D. volcanic eruption, occurrence means all volcanic eruptions, explosions or effusions that occur within any 168 hour period. E. Employee Theft Coverage or Employee Theft of Client Property Coverage, occurrence means: 1. any single act; 2. the combined total of all separate acts whether or not related; or 3. a series of acts whether or not related, committed by an employee, acting alone or in collusion with other persons, or any group of employees acting together, even if in collusion with other persons, during the policy period, before the policy period or both, subject to the Loss Sustained During Prior Policy Condition under the BUSINESS CRIME COVERAGE CONDITIONS in the First Party Terms and Conditions. F. Forgery or Alteration Coverage, occurrence means: 1. any single act; 2. the combined total of all separate acts whether or not related; or 3. a series of acts whether or not related, CNA62641XX 10-15 Copyright CNA All Rights Reserved. HortaN Risk MmRgzmerttDiAsian r� ^ecoG< REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms committed by any one person acting alone or in collusion with others, or in which any such person is implicated, involving one or more instruments, during this policy period, before this policy period or both, subject to the Loss Sustained During Prior Policy condition under the BUSINESS CRIME COVERAGE CONDITIONS in the First Party Terms and Conditions. G. Money and Securities Coverage or any other coverage provided under the Business Crime Coverage Part, occurrence means: 1. any single act, or series of related acts; 2. the combined total of all separate acts whether or not related; or 3. a series of acts whether or not related, committed by any one person acting alone or in collusion with others, or not committed by any identifiable person, during the policy period, before the policy period or both, subject to the Loss Sustained During Prior Policy Condition under the BUSINESS CRIME COVERAGE CONDITIONS in the First Party Terms and Conditions. H. Utility Supply Failure Coverage, occurrence means one event or a series of related events that contribute concurrently to or contribute in any sequence to physical loss of or damage to property, regardless of the number of locations or reported unspecified locations or the number of utility service providers or utility service properties involved in the same event. Operations Operations means the Named Insured's business activities occurring at the covered premises prior to the time and date of the loss or damage, including the Named Insured's activities as a lessor. Operations does not include business activities as part of research and development projects. Original Document Original document means: A. the first rendering or archetype and does not include photocopies or electronic transmissions even if received and printed; or B. for the purposes of Forgery or Alteration Coverage only, a "substitute check", as defined in the Check Clearing for 21' Century Act. Other Property Other property means any tangible property other than money and securities that has intrinsic value. Other property does not include any property listed in the Business Crime Coverage Part as specifically not covered. Outdoor Trees, Shrubs, Plants or Lawns Outdoor trees, shrubs, plants or lawns mean trees, shrubs, plants or lawns the Named Insured owns that are located outside. Outdoor trees, shrubs, plants or lawns does not include growing crops, standing timber, stock or trees, shrubs, plants, grass or lawns that are part of a vegetated roof. Period of Restoration A. Period of restoration means the period of time that begins with: 1. the time and date that the physical loss or damage that causes suspension of ope CNA62641XX 10-15 Copyright CNA All Rights Reserved. HORaN Risk MmRgzmerttDiAsian REVIEWED & APPROVED BY.- 3 z PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms 2. the date operations would have begun if such loss or damage delays the start of operations and such loss or damage is to any of the following: a. buildings whether complete or under construction; b. alterations or additions to existing buildings; c. machinery, equipment, supplies or materials that are: (1) used in such construction, alterations or additions; (2) incidental to the occupancy of the area intended for construction, alteration or addition; or (3) incidental to the alteration of the occupancy of an existing building. B. If the Named Insured resumes operations, with reasonable speed, the period of restoration ends on the earlier of: 1. the date when the premises where the loss or damage occurred could have been physically capable of resuming the level of operations which existed prior to the loss or damage; or 2. the date when a new permanent premises is physically capable of resuming the level of operations which existed prior to the loss or damage, if business is resumed at a new permanent premises. C. If the Named Insured does not resume operations, or does not resume operations with reasonable speed, whether at a location, reported unspecified location or elsewhere, the period of restoration will end on the date when the premises where the loss or damage occurred could have been restored to the physical size, construction, configuration and material specifications which existed at the time of loss or damage, with no consideration for any increased period of time: 1. which would have been required to make changes in order to repair or reconstruct the property or tear down undamaged parts of the property, to meet the minimum requirements of an ordinance or law; or 2. which would have been necessary to make the premises physically capable of resuming the level of operation which existed prior to the loss or damage after the completion of repairs or replacement. D. With respect to Dependent Property Time Element Coverage under the OFF -SITE COVERAGE section in the Business Property Coverage Part, period of restoration means the period of time that: 1. begins on the date the physical loss of or damage to property at a dependent property occurs; and 2. ends on the date when the property at that dependent property should be repaired or replaced with reasonable speed and similar quality. E. With respect to research and development business income, the period of restoration means the period of time that begins with the time and date of the physical loss of or damage to research and development project property that causes suspension of the Named Insured's research and development project and ends on the 0 earlier of: 1. the date such research and development project property could be recreated or restored with reasonable speed and similar quality to the condition that existed at the time of loss or damage; or 2. 365 days immediately following the date the physical loss of or damage to such research and development project property occurred. F. No period of restoration will be cut short by the expiration of the Policy. Personal Property Personal property means: A. all property, other than real property, owned by the Named Insured and used in the Named Insured's business, including furniture, fixtures, machinery, electronic data processing equipment and stock; B. glass in buildings which, as a tenant, the Named Insured has a contractual responsibility to insure; C. the Named Insured's outdoor signs, antennas and towers and fences; D. personal property of others; CNA62641XX 10-15 Copyright CNA All Rights Reserved. a r N Risk MmRgmertt DiAsian 3 REVIEWED & APPROVED BY.- E� Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms E. personal property of executive officers or employees; F. property, other than real property, the Named Insured leases for use in its business and for which the Named Insured has a contractual responsibility to insure, unless otherwise provided for under personal property of others; G. the value of labor, materials or services furnished or arranged by the Named Insured on personal property of others; H. the Named Insured's interest in tenant's improvements and betterments; I. power or communication generation or transmission equipment, including transmission and distribution lines of any type, owned, operated, controlled by or leased by the Named Insured; or J. vehicles or self-propelled machines (including autos, aircraft or watercraft) that: 1. the Named Insured manufactures, processes or warehouses or holds for sale that are licensed for use on public roads while at a location or reported unspecified location; 2. the Named Insured manufactures, processes or warehouses or holds for sale that are not licensed for use on public roads while at a location or reported unspecified location; 3. are unpowered watercraft owned by the Named Insured while out of the water at a location or reported unspecified location; or 4. are trailers owned by the Named Insured that are not licensed for use on public roads while at a location or reported unspecified location. Personal property does not include property not covered. Personal Property of Executive Officers or Employees Personal property of executive officers or employees means personal property that is owned by executive officers or the Named Insured's employees (including leased or temporary employees) and that is usual to the occupancy of the building. Personal Property of Others Personal property of others means personal property that is not owned by the Named Insured but is in the Named Insured's care, custody or control. Personal property of others does not include personal property of executive officers or employees. Policy Period Policy period means the period of time shown on the Policy Declarations, beginning on the effective date and time and ending on the expiration date and time, or the Policy's earlier cancellation date. Policy Premium Policy premium means the original premium and the fully annualized amount of any additional premiums, charged by the Insurer for coverage provided during the policy period. Prearranged Transfer Prearranged transfer means an electronic transfer of money or securities which is part of a regular or scheduled series of electronic transfers, authorized by written agreement, to a designated financial institution specifying: A. the amount of money or securities to be transferred; and B. account number to be credited. CNA62641XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst 0 0 0 0 0 0 N 0 CNA CNA PARAMOUNT First Party Glossary of Defined Terms Premises Premises means: A. the interior of that portion of any building the Named Insured occupies in conducting the Named Insured's business; B. with respect only to damage to other property, the exterior of that portion of any building the Named Insured occupies in conducting the Named Insured's business; or C. with respect only to the Employee Theft of Client Property While on Client Premises Coverage under the Business Crime Coverage Part, the interior of that portion of any building a client occupies in conducting the client's business or the interior of a client's owned, leased or rented residence. Prepaid Rent Prepaid rent means that unamortized portion of any amount of advance rent the Named Insured paid based on the percentage of the unexpired portion of the lease that remains at the time of physical loss or damage. Prepaid rent does not include the customary rent for a rental period or any amount refunded to the Named Insured. Property Not Covered Property not covered means: A. animals unless: 1. owned by others and boarded by the Named Insured, or 2. owned by the Named Insured as stock, other than research animals, while inside of a building at a location or reported unspecified location; B. bulkheads, pilings, piers, wharves or docks; C. contraband, or property in the course of illegal transportation or trade; D. fine arts, money, securities, records of accounts receivable, media or research and development project property; E. vehicles or self-propelled machines (including autos, aircraft or watercraft) that are: 1. licensed for use on public roads; or 2. operated principally away from the location or reported unspecified location, except to the extent included in Paragraph J. of the personal property definition; F. land, naturally occurring water, air, growing crops and standing timber; G. outdoor trees, shrubs, plants or lawns; H. dams, dikes or retaining walls; I. underground mines, mine shafts, caverns, open pits or quarries; or J. any property which the Named Insured has covered under any other Policy in which such property is more specifically described, except for the excess of the amount due under such other coverage, whether collectible or not. Qualifying Period Qualifying period means the continuous period of time which must pass before the applicable coverage begins. CNA62641XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgzmerttDiAsian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Raw Stock Raw stock means material in the state in which the Named Insured acquired it for conversion into finished stock. Real Property Real property means: A. buildings and temporary or appurtenant structures of such buildings; B. fixtures; C. personal property that is used to maintain or service the buildings, locations or reported unspecified locations; D. the Named Insured's indoor and outdoor signs; E. materials, equipment, supplies and temporary buildings used for making additions, alterations or repairs to any such building; F. paved or concrete surfaces owned by the Named Insured; G. building foundations; or F. underground pipes, flues and drains owned by the Named Insured. Real property does not include property not covered. Records of Accounts Receivable Records of accounts receivable means accounting records used by the Named Insured to document the billing and collection of money due from the Named Insured's customers, regardless of what medium those records are inscribed, printed, written or recorded upon. Records of accounts receivable includes: A. money due the Named Insured from its customers that the Named Insured is unable to collect after exerting all reasonable effort to do so; B. interest charges on any loan required to offset amounts the Named Insured is unable to collect pending the Insurer's payment of these amounts; and C. collection expenses in excess of the Named Insured's normal collection expenses that are made necessary by such loss or damage, resulting from the direct physical loss of or damage to records of accounts receivable. Rental Value Rental value means that portion of net income that would have been earned or incurred as rental income from tenant occupancy of a location or reported unspecified location as furnished and equipped by the Named Insured, including fair rental value of any portion of the location or reported unspecified location which is occupied by the Named Insured. Replacement Cost Replacement cost means the cost to repair or replace covered property at the time of direct physical loss or damage with property of comparable material and quality on the same or another site, and used for the same purpose, without deduction for depreciation, deterioration, and obsolescence which amount is computed as of the time and at the place of such loss or damage. If property of the same kind and quality is no longer available, the Insurer will pay to replace it with other property of similar quality and function, including property of greater processing capacity. CNA62641XX 10-15 Copyright CNA All Rights Reserved. a r N Risk MmRgmertt DiAsian 3 REVIEWED & APPROVED BY.- E� Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Replacement cost valuation for insured property includes the cost the Named Insured paid for non-refundable or non -transferable extended warranties, maintenance contracts or service contracts which are still in force at the time of loss or damage and are no longer valid as a result of loss of or damage to such insured property. Reported unspecified Location Reported unspecified location means fixed premises that has been identified on a schedule submitted by the Named Insured and on file with the Insurer, including: A. the address of the premises and includes that area extending 1000 feet beyond that address; B. an identification of the insured property, business income or extra expense; and C. the value of such identified insured property, business income or extra expense. If the Named Insured is a tenant, for purposes of time element coverage, reported unspecified locations includes that portion of the premises not rented, or intended to be rented, to others. Reported unspecified location does not include: 1. a location; 2. an unspecified location; 3. a fair, trade show or exhibition; 4. an installation location; or 5. a dependent property with respect to loss or damage covered by any time element coverage. Research Animals Research animals means laboratory animals used in the Named Insured's research and development project or bred for sale to other medical technology or life science entities. Research and Development Business Income Research and development business income means: A. net income that would have been earned or incurred had no loss or damage resulting in an interruption in the Named Insured's research and development project occurred, including net income resulting from: 0 1. lost or delayed pre -sale orders from new or current customers for a new product or an improved current product, whose entry into the marketplace is delayed because these products were the subject of lost or damaged research and development project property; or N O 2. grants, endowments and any other contract revenues, licensing fees, consulting fees, funding grants and progress payments, including milestone contracts; plus B. research and development project continuing expenses. However, research and development business income does not include any amount that is otherwise payable under this Business Property Coverage Part or that does not necessarily continue during the interruption in the research and development project. Research and Development Project Continuing Expenses Research and development project continuing expenses means the Named Insured's normal continuing operating expenses that are directly attributable to research and development projects, including any reasonable and necessary payroll expenses, rental payments as a tenant and factory overhead. CNA62641XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Research and Development Project Property Research and development project property means the Named Insured's: A. written, printed, electronic or inscribed documents, plans, records, formulas or other information, including any material upon which it is inscribed, printed, written or recorded; B. original or experimental property; C. existing prototypes used as the model for the final version of a new product or design; or D. undamaged property that needs to be recreated, restored or replaced due to covered loss of or damage to property in Paragraphs A., B. or C., developed or used in conjunction with any ongoing and active research and development project. Research and development project property does not include research animals, media, plants or crops or fine arts. Robbery Robbery means the unlawful taking of specified property from the care and custody of any person by one who has: A. caused or threatened to cause that person bodily harm; or B. committed an unlawful act witnessed by that person. Safe Burglary Safe burglary means the unlawful taking of: A. property from within a locked safe or vault by a person unlawfully entering the safe or vault as evidenced by marks of forcible entry upon its exterior; or B. a safe or vault from inside the premises. Securities Securities means negotiable and non-negotiable instruments or contracts representing either money or representing other tangible property that has intrinsic value, including: A. tokens, tickets, revenue and other stamps (whether represented by actual stamps or unused value in a meter) in current use; or B. evidences of debt issued in connection with credit, debit or charge cards, which cards are not issued by the Named Insured. Securities does not include money. Sinkhole Collapse Sinkhole collapse means the sudden sinking or collapse of land into underground empty spaces created by the action of water on limestone or dolomite provided such cavities were not man made or did not result from flood. Specified Peril Specified peril means: A. aircraft or vehicles; B. explosion, fire or leakage from fire extinguishing equipment; C. lightning, smoke, volcanic eruption, water damage, weight of snow, ice or sleet; CNA62641XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms D. windstorm or hail; E. riot, civil commotion or vandalism or theft; F. falling objects, excluding loss or damage to: 1. personal property in the open; or 2. the interior of a building, or property inside a building, unless the roof or an outside wall of the building is first damaged by a falling object; G. sinkhole collapse; H. solely with respect to personal property in the course of transit, specified peril also includes: 1. vehicle collision upset or overturn; or 2. sinking or stranding of a vessel, or collapse of a bridge, culvert, dock or wharf; or I. equipment breakdown peril, excluding loss of or damage to insured property caused by the discharge, dispersal, release or escape of refrigerants, including ammonia. Stock Stock means raw stock, goods in process, finished stock or merchandise, including packing or shipping materials and including software incorporated into such finished stock or merchandise. Sublease Profit Sublease profit means the net profit the Named Insured earns through subleasing the building or portion of the building that the Named Insured rents for the unexpired term of the cancelled lease or sublease, whichever would expire first. This amount is discounted based on the Prime Rate on the date the direct physical loss or damage occurs, rounded to the nearest whole number. Suspended Equipment Suspended equipment means covered equipment, provided the Insurer has complied with the requirements described in the SUSPENDED EQUIPMENT Condition in the First Party Terms and Conditions. N O 0 Suspension N O Suspension means: N O A. the slowdown or cessation of the Named Insured's business activities; or B. that a part or all of the covered premises is rendered untenantable. System Penetration System penetration means the intentional and malicious use of a computer to obtain unauthorized access to information and resources stored on electronic data processing equipment. Tenant's Improvements and Betterments Tenant's improvements and betterments means fixtures, glass, signs, alterations, installations or additions: A. made a part of a building the Named Insured occupies as a tenant but does not own; B. made or acquired at the Named Insured's expense exclusive of rent paid by the Named Insured or for which the Named Insured is legally required by written contract to insure; and C. that the Named Insured cannot legally remove. CNA62641XX 10-15 Copyright CNA All Rights Reserved. a r N Risk MmRgmertt DiAsian 3 REVIEWED & APPROVED BY.- -E� Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms Tenant's Lease Interest Tenant's lease interest means the difference between: A. the actual rent due for the unexpired portion of the cancelled lease at the time of covered loss or damage; and B. the rent due under the new lease for the same time period. Theft Theft means the unlawful taking of property. Time Element Coverage Time element coverage means business income, research and development business income or extra expense to the extent these apply under this Business Property Coverage Part. Transfer Agreement Transfer agreement means a written agreement with any financial institution authorized to transfer money and securities at the Named Insured's request. Unspecified Location Unspecified location means: A. a premises not listed in the Business Property Schedule of Locations; or B. a fair, trade show or exhibition. An unspecified location does not include: 1. a location; 2. a newly acquired location; 3. a reported unspecified location; 4. an installation location; or 5. a dependent property with respect to loss or damage covered by any time element coverage. Volcanic Eruption Volcanic eruption means the eruption, explosion or effusion of a volcano that gives rise to physical loss or damage when such loss or damage is caused by: A. airborne volcanic blast or airborne shock waves; B. ash, dust or particulate matter; or C. lava flow. Water Damage Water damage means: A. the discharge or leakage of domestic or process water or steam from: 1. water pipes and any other apparatus meant to carry or distribute water including, tubes and fire protection sprinkler system piping; CNA62641XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgzmerttDiAsian REVIEWED & APPROVED BY.- 3 z PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT First Party Glossary of Defined Terms 2. appliances; or 3. mechanical systems; or B. the overflow, discharge or leakage of water from bathroom, kitchen and laundry fixtures and faucets, within a building. Written Written means expressed through letters or marks placed upon paper and visible to the naked eye. CNA62641XX 10-15 Copyright CNA All Rights Reserved. air--- RiskMmRgmerttDiAsian ' REVIEWED & APPROVED BY.- 3 t Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions TABLE OF CONTENTS I. ABANDONMENT Page 2 II. APPRAISAL Page 2 III. COMPLIANCE Page 3 IV. CONCEALMENT, MISREPRESENTATION AND FRAUD Page 3 V. CONTROL OF PROPERTY Page 3 VI. DUTIES AFTER LOSS OR DAMAGE Page 3 VII. LOSS PAYMENT Page 4 VIII. LOSS PAYEES AND MORTGAGEES Page 5 IX. NO BENEFIT TO BAILEE Page 6 X. OTHER INSURANCE Page 7 XI. POLICY PERIOD / COVERAGE TERRITORY Page 7 XII. RECOVERED PROPERTY Page 7 XIII. RESUMPTION OF OPERATIONS Page 7 XIV. SALVAGE AND RECOVERIES Page 8 XV. SUSPENDED EQUIPMENT Page 8 XVI. 0 TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO THE INSURER Page 8 N s XVII. N VACANCY Page 8 O O o XVIII. 0 VALUATION Page 9 XIX. BUSINESS CRIME COVERAGE CONDITIONS Page 11 CNA62647XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions These First Party Terms and Conditions apply to the Business Property Coverage Part, the Business Crime Coverage Part, as applicable, and their associated forms and endorsements. I. ABANDONMENT There can be no abandonment of any covered property to the Insurer unless the Insurer specifically agrees to such abandonment in writing. II. APPRAISAL If the Named Insured and the Insurer fail to agree on the amount of loss for physical damage or business income or extra expense, either may make a written demand for appraisal in which case within 30 days of that written demand each shall select an appraiser and shall notify the other of its chosen appraiser. This APPRAISAL Condition is not available to the Named Insured or the Insurer if there is a dispute as to whether the loss or damage was caused in whole or in part by a covered peril. This APPRAISAL Condition is not available if there is a dispute as to whether or not the loss is covered in whole or in part under this coverage part. An individual may be chosen as an appraiser for a claim only if such individual is a competent, independent and disinterested person and who has no direct or indirect financial interest in the loss or the adjustment of the claim. That appraiser cannot be: A. the Named Insured or any of the Named Insured's employees or agents (including any public adjuster or public adjusting company hired by the Named Insured); B. employed by the Insurer; or C. an independent adjuster hired by the Insurer for such claim. The appraisers will first select a competent, independent and disinterested umpire. If the appraisers fail to agree upon an umpire within 30 days then, only on the joint request of the Named Insured and the Insurer to a court of competent jurisdiction where the loss occurred, the Named Insured and the Insurer may request that the court select or appoint a competent, independent and disinterested umpire. If the Named Insured and the Insurer fail to agree to submit a joint request to a court of competent authority, either may file the necessary documents in a court of competent jurisdiction where the loss occurred to compel the other to comply with the terms of this APPRAISAL provision. The appraisers will then appraise, within a reasonable amount of time, the amount of loss, stating separately, as applicable: 1. the actual cash value or replacement cost as of the date of loss and the amount of loss, for each item of physical loss or damage; and 2. the amount of loss for each time element coverage. If the appraisers fail to agree, they will submit their differences to the umpire. An award agreed to in writing by any two will determine the amount of loss and that award will be binding on both parties but such appraisal award will not determine whether the loss is covered. Any appraisal award addressing whether or not a loss is or is not covered is void and is not binding on either party to the appraisal. The Named Insured and the Insurer will each: a. pay its chosen appraiser; and b. bear equally the other expenses of the appraisal and umpire. A demand for appraisal shall not relieve the Named Insured of its continuing obligation to comply with all of the terms and conditions of this Policy. CNA62647XX 10-15 Copyright CNA All Rights Reserved. No,=a RiskMmRgzmerdDivisian �� � REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions The Insurer will not be held to have waived any of its rights by any act relating to an appraisal. If there is an appraisal, the Insurer will still retain its right to deny the claim or challenge whether the damages from any loss are covered or otherwise excluded. The Named Insured may only make a written demand for appraisal if the Named Insured has fully complied with all provisions of this Policy. III. COMPLIANCE No one may make a claim under the Business Property Coverage Part unless: A. there has been full compliance with all of the provisions of the Business Property Coverage Part; and B. the claim for coverage is brought within 2 years and 1 day after the date on which the direct physical loss or damage occurred. IV. CONCEALMENT, MISREPRESENTATION AND FRAUD This entire Policy shall be void if, whether before or after a loss, the Named Insured or designated representative: A. has concealed or misrepresented any material fact or circumstance concerning: 1. this insurance or the subject thereof; 2. the interest of the Named Insured therein; or 3. any claim; or B. has falsely sworn to any such material fact or circumstance. V. CONTROL OF PROPERTY Any act or neglect by any person, other than a Named Insured designated representative, of any provision of these conditions or the Business Property Coverage Part, will not affect coverage. Breach of any condition of coverage at one or more locations or reported unspecified locations will not affect coverage at any other building where, at the time of loss or damage, the breach of condition did not exist. VI. DUTIES AFTER LOSS OR DAMAGE In the event of loss or damage, the Named Insured shall do the following: A. Take all necessary steps to protect the property from further loss or damage. B. Set aside the damaged insured property for examination by the Insurer as often as may be required and keep a record of its expenses necessary to protect insured property. C. As soon as practical, give written notice to the Insurer, or its designated representative, of the event giving rise to the loss or damage, including the date and time of such event, what occurred and the names and addresses of witnesses. D. Within 60 days after being requested by the Insurer, render to the Insurer a detailed, sworn proof of loss on a form provided by the Insurer; E. As often as may be reasonably required, exhibit to any person designated by the Insurer all that remains of any damaged or undamaged property and permit the Insurer to take samples of such property for inspection and analysis. F. Submit individually to examinations under oath at the Insurer's request and, if requ Insurer, make its designated representatives, including, but not limited to, public ad CNA62647XX 10-15 Copyright CNA All Rights Reserved. HORaN Risk MmRgzmerttDiAsian REVIEWED & APPROVED BY.- o z °I f PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions forensic accountants or other third parties providing claims related services, submit to examinations under oath, and give the Insurer a signed statement of each individual's answers. G. As may be reasonably required, produce for examination at the request of the Insurer all books of account, business records, bills, invoices and other vouchers, or certified copies thereof if originals have been lost, at such reasonable time and place as may be designated by the Insurer or its authorized representative, and permit extracts and copies thereof to be made. H. Cooperate with the Insurer in the investigation of any claim. I. Notify law enforcement authorities, if the Named Insured has reason to believe that any loss or damage involves a violation of law. VII. LOSS PAYMENT A. Unless otherwise specified in this Policy, in the event of covered loss or damage to covered property, at the Insurer's option, the Insurer will either: 1. pay the amount of loss or damage; 2. pay the cost of repairing or replacing such covered property; 3. take all or any part of the covered property at an agreed or appraised value; or 4. repair or replace the covered property with other property of like kind and quality. B. If the Insurer elects to exercise option A.3. above with respect to any branded or labeled merchandise or finished stock, the Named Insured may: 1. Stamp salvage on their merchandise or finished stock, or its containers, if the stamp will not physically damage the merchandise or finished stock; or 2. Remove the brands or labels, if doing so will not physically damage the merchandise or finished stock. The Named Insured must re -label the merchandise or finished stock or its containers, to comply with the law. C. The Insurer will determine the value of such covered property, or the cost of its repair or replacement, in accordance with the VALUATION Condition. D. The Insurer will not pay more than the Named Insured's financial interest in the covered property. E. The Insurer, at the Insurer's expense, may elect to defend the Named Insured against suits arising from claims of owners of covered property. If the Named Insured has complied with all of the terms and conditions of this Policy, the Insurer will pay amounts due hereunder within 60 days after it receives an acceptable sworn proof of loss provided that the Insurer and Named Insured have reached agreement on the amount of loss or damage or an appraisal award has been made. Such payments will be made to the First Named Insured, subject to the LOSS PAYEES AND MORTGAGEES Condition below. However, the payment for loss or damage to personal property of others may be to the account of the owner of the property. Covered Debris Removal Costs and Expenses and Debris Removal — Additional Costs and Expenses in the Fees, Costs and Expenses Coverages provision under the LOCATION COVERAGES section of the Business Property Coverage Part will be paid by the Insurer provided all such costs are reported to the Insurer in writing within 180 days of the occurrence. CNA62647XX 10-15 Copyright CNA All Rights Reserved. a r N Risk MmRgmertt DiAsian 3 REVIEWED & APPROVED BY.- E� Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions Vill. LOSS PAYEES AND MORTGAGEES A. Loss Payees If there is loss of or damage to insured property, in which the Named Insured and any Loss Payee, whether or not named in the Schedule of Loss Payees or Mortgagees, have an insurable interest: 1. the Insurer will adjust losses with the Named Insured, and 2. make payments jointly to the Named Insured and such Loss Payee, in their order of precedence, in accordance with the Loss Payee's financial interest in the applicable property. If the Insurer pays such Loss Payee, such payments will satisfy the Named Insured's claims against the Insurer for that Loss Payee's property. The Insurer will not pay such owners more than their financial interest in the insured property. B. Lender Loss Payees and Mortgagees 1. As used in this Section: a. a Lender Loss Payee is any creditor who is shown on the Schedule of Loss Payees or Mortgagees as a Lender Loss Payee and whose interest in insured property is established by a written instrument including warehouse receipts, bills of lading, financing statements or security agreements; b. a Mortgagee is any mortgagee or trustee who is shown on the Schedule of Loss Payees or Mortgagees as a Mortgagee with respect to the real property for which the mortgagee or trustee is named. 2. The Insurer will pay for covered loss or damage to each specified Lender Loss Payee or Mortgagee, in order of precedence, in accordance with the Lender Loss Payee's or Mortgagee's financial interest in the applicable property. 3. Each Lender Loss Payee and Mortgagee has the right to receive loss payment, even though: a. the Insurer denied the Named Insured's claim because the Named Insured failed to comply with the terms of this Policy; or b. such Lender Loss Payee or Mortgagee has started foreclosure or similar action on the insured property, provided such loss payee: L pays any premium due under this Business Property Coverage Part at the Insurer's request if the Named Insured has failed to do so; ii. submits a signed, sworn proof of loss in accordance with the requirements of this Policy; and iii. has notified us of any change in ownership, or substantial change in risk known to such Lender Loss Payee or Mortgagee. If these requirements are met, all of the terms of this Business Property Coverage Part will then apply directly to such Lender Loss Payee or Mortgagee. 4. With respect to any Lender Loss Payees or Mortgagees: a. The Insurer may cancel this Policy, including the interest of any Lender Loss Payee or Mortgagee, by giving such Lender Loss Payee or Mortgagee, or its agent, written notice: L 10 days prior to the effective date of cancellation, if cancellation is for nonpayment of premium; or ii. 60 days prior to effective date of cancellation, if cancellation is for any other reason. CNA62647XX 10-15 Copyright CNA All Rights Reserved. N ,=a RiskMmRgzmerdDivisian �� � REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions b. If a loss hereunder is made payable, in whole or in part, to a designated Lender Loss Payee or Mortgagee not named in this Policy, that interest may be cancelled by giving to such loss payee 10 days written notice of cancellation. If the Insurer pays the Lender Loss Payee or Mortgagee for loss under this Business Property Coverage Part, and denies payment to the Named Insured, the Insurer will, to the extent of the payment made to such Lender Loss Payee or Mortgagee, be subrogated to all the rights of the Lender Loss Payee or Mortgagee. However, any subrogation by the Insurer will not impair the right of such Lender Loss Payee or Mortgagee to recover the full amount of its claim. At the Insurer's option, the Insurer may pay the whole principal of the Named Insured's debt plus accrued interests. In this event, the Named Insured will pay its remaining debt to the Insurer. d. If the Named Insured fails to provide proof of loss, the Lender Loss Payee or Mortgagee, upon notice, will render proof of loss within 60 days of notice and will be subject to the provisions contained in this First Party Terms and Conditions and Common Terms and Conditions relating to APPRAISAL, LOSS PAYMENT and NO SUIT AGAINST INSURER. C. Mortgagee Loss Payee With respect to any Mortgagee as defined above, the interest of the Mortgagee in real property will not be invalidated by: 1. any act or neglect of the mortgagor or owner of the real property; 2. foreclosures, notice of sale, or similar proceeding with respect to the real property; 3. change in the title or ownership of the real property; or 4. change to an occupancy more hazardous than was represented by the Named Insured. D. Contract of Sale Loss Payee A Contract of Sale Loss Payee is a person or entity who is shown on the Schedule of Loss Payees or Mortgagees and with whom the Named Insured has entered a contract for the sale of insured property; provided that for such insured property in which both the Named Insured and such Contract of Sale Loss Payee have an insurable interest, the Insurer will: 1. adjust losses with the Named Insured; and 2. pay any claim for loss or damage jointly to the Named Insured and such Contract of Sale Loss Payee, as interests may appear. E. Building Owner Loss Payee 1. A Building Owner Loss Payee is the person or entity who is shown on the Schedule of Loss Payees or Mortgagees and is the owner of the described building in which the Named Insured is a tenant. 2. Loss or damage to such building will be adjusted with such Building Owner Loss Payee. Any loss payment made to such Building Owner Loss Payee will satisfy the Named Insured's claims against the Insurer for such Building Owner Loss Payee property. 3. Loss or damage to tenant's improvements and betterments will be adjusted with the Named Insured unless the written lease agreement provides otherwise. IX. NO BENEFIT TO BAILEE This insurance shall in no way inure directly or indirectly to the benefit of any transportation carrier or bailee. CNA62647XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions X. OTHER INSURANCE A. If the Named Insured has other insurance covering the same loss or damage, the Insurer will pay on the least of the following amounts: 1. any Limit of Insurance applicable to the covered property that has sustained such loss or damage; 2. the amount of covered loss or damage in excess of the amount due from that other insurance, whether the Named Insured can collect on it or not, without application of deductible amounts contained elsewhere in this coverage part; or 3. the amount the Insurer would have paid had such other insurance not existed. B. Paragraph A. above does not apply to other insurance that is purchased as insurance in excess of the Limit of Insurance under this coverage part. XI. POLICY PERIOD/COVERAGE TERRITORY The Insurer will cover loss or damage commencing during the policy period of this Policy and within the coverage territory unless otherwise specified. XII. RECOVERED PROPERTY If either the Named Insured or Insurer recover any property after loss settlement, that party must give the other prompt notice. At the Named Insured's option, the property (other than money or securities) will be returned to the Named Insured. The Named Insured must then return to the Insurer the amount it paid to the Named Insured for the covered property. The Insurer will pay recovery expenses and the expenses to repair the recovered covered property, subject to the Limit of Insurance. With respect to money or securities, any recoveries, less the cost of obtaining them, made after settlement of loss or damage covered by this coverage part will be distributed: A. first to the Named Insured, until the Named Insured is fully reimbursed for any loss or damage that the Named Insured sustains that exceeds the Limit of Insurance and the Deductible amount, if any; B. then to the Insurer, until the Insurer is reimbursed for the settlement made; and N C. then to the Named Insured, until the Named Insured is reimbursed for that part of the loss or damage equal to 0 the Deductible amount, if any. N O Recoveries do not include any recovery: N O 1. from insurance, suretyship, reinsurance, security or indemnity taken for the Insurer's benefit; or 2. of original securities after duplicates of them have been issued. XIII. RESUMPTION OF OPERATIONS The Insurer will reduce the amount of business income and research and development business income loss payments to the extent that the Named Insured could resume operations or research and development projects in whole or in part: A. by using damaged or undamaged property, including stock; or B. by using any other premises. Solely with respect to suspension of operations caused by direct physical loss of or damage to a dependent property, the Insurer will reduce the amount of business income loss payment to the extent the Named Insured could resume the Named Insured's operation, in whole or in part, by using any other ava or outlets for the Named Insured's products or services available to the Named Insured. - "a e^ Risk MmagementDiveaion % z REVIEWED & APPROVED BY.- CNA62647XX 10-15 °i Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions XIV. SALVAGE AND RECOVERIES All salvages, recoveries, and payments, excluding proceeds from subrogation and other insurance, recovered or received prior to a loss settlement under this Policy, shall reduce the loss accordingly. If recovered or received subsequent to a loss settlement under this Policy, such net amounts received shall be divided between the interests concerned in the proportion of such respective interests. XV. SUSPENDED EQUIPMENT The Insurer, or any of the Insurer's representatives, has the right to suspend the insurance provided for covered equipment from an equipment breakdown peril when the equipment is found to be in, or exposed to, a dangerous condition, provided that the Insurer, or any representative, has: A. told the Named Insured of the dangerous condition immediately upon discovering it and informed the Named Insured of the suspension of coverage; and B. mailed or delivered a notice of the suspension to the First Named Insured's last known address or the address where the covered equipment is located. The Named Insured will get a pro-rata refund of premium for the suspended insurance. However, the suspension will be effective even if the Insurer has not yet made or offered a refund. Reinstatement can only be effected by a written endorsement issued by the Insurer. XVI. TRANSFER OF RIGHTS OF RECOVERY AGAINST OTHERS TO THE INSURER If the Insurer pays a claim under this Policy, it will be subrogated, to the extent of such payment, to all the Named Insured's rights of recovery from other persons, organizations and entities. The Named Insured will execute and deliver instruments and papers and do whatever else is necessary to secure such rights. The Named Insured shall do nothing to prejudice such rights. The Insurer will have no rights of subrogation against: A. any person or entity who or which is a Named Insured; B. any subsidiary or any entity associated with the Named Insured through ownership or management; C. any other person or entity that the Named Insured waived its rights of subrogation against in writing before the time of loss. XVII. VACANCY If a building where loss or damage occurs has not been used by the Named Insured to conduct its normal business for more than 60 consecutive days before such loss or damage occurs, the Insurer will not pay for any loss or damage caused by any of the following even if they are covered perils: A. vandalism; B. sprinkler leakage, unless the Named Insured has protected the system against freezing; C. building glass breakage; D. water damage; E. theft or attempted theft. With respect to all other covered perils, the Insurer will reduce the amount that would otherwise be paid for the loss or damage by 15%. CNA62647XX 10-15 Copyright CNA All Rights Reserved. — N Risk MmRgzmerttDiAsion REVIEWED & APPROVED BY.- 3 i E� Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions If the Named Insured's normal operation is leasing property to others, a vacant building will be subject to this condition if the Named Insured has ceased actively leasing the building or has cut-off power, heat and water utility services to the building. Buildings under active construction or active renovation are not considered vacant. XVIII. VALUATION A. Except as provided in Paragraph B. below, and subject to all applicable Limits of Insurance, the Insurer will not pay more than the lesser of the following: 1. the replacement cost; or 2. the actual cost to repair or replace covered property. If the Named Insured does not repair or replace the covered property, or the repair or replacement exceeds 24 months from the date of loss or damage unless a longer time frame is agreed to by the Insurer, the Insurer will pay the actual cash value of such property. If the Named Insured commences repair or replacement of such covered property and completes it within 24 months from the date of loss or damage, or such agreed to longer period, the Insurer will pay the difference between the actual cash value previously paid and the lesser of Paragraphs 1. or 2. above. B. With respect to the following covered property, the Insurer will not pay more than the following amounts: 1. Accounts receivable: for records of account receivable for which duplicates do not exist, the full cost to research and reproduce such records plus the cost of the blank materials on which they resides. For records of accounts receivable for which duplicates do exist, the cost of the labor to transcribe or copy such records, plus the cost of the blank materials on which they reside. If the Named Insured cannot accurately establish the amount of accounts receivable outstanding at the time of loss of or damage to the records of accounts receivable, the following method will be used: a. determine the average monthly amount of accounts receivable for the 12 months immediately preceding the month in which the loss or damage occurs; and b. adjust that average monthly amount for any normal fluctuations in the amount of accounts receivable for 0 the month in which the loss or damage occurred or for any demonstrated variance from the monthly average. 0 0 The following will be deducted from the total amount of accounts receivable, however that amount is 0 established: L the amount of the accounts receivable for which there is no loss or damage; ii. the amount of the accounts receivable that the Named Insured is able to re-establish or collect; iii. an amount to allow for probable bad debts that the Named Insured is normally unable to collect; and iv. all unearned interest and service charges. 2. Personal property that is leased or rented from others, personal property of others and nonowned trailers: the lesser of the following: a. the amount for which the Named Insured is liable under the written contract for such property; b. the actual cost to repair such property; or c. the replacement cost. CNA62647XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions 3. Fine arts: the appraised market value as of the time, and at the place, of loss or damage. In case of loss to any part of a pair or set, the Insurer may: a. repair or replace any part to restore the pair or set to its value before the loss; or b. pay the difference between the value of the pair or set before and after the loss. 4. Glass: replacement cost, including the costs and expenses incurred to put up temporary plates or board up openings and to remove or replace obstructions when repairing or replacing glass that is part of a building, but not including the removal or replacement of window displays. 5. Goods in process: the value of raw stock, the Named Insured's labor expended and other materials incorporated and the cost to repurchase proprietary property licenses, plus the proper proportion of overhead charges. 6. Media: for media for which duplicates do not exist, the full cost incurred to research and reproduce a master copy of such media plus the cost of the blank materials on which it resides. For media for which duplicates do exist, the cost incurred for the labor to transcribe or copy such media, plus the cost of the blank materials on which it resides. If the media is not reproduced or replaced, the loss will be valued at the cost to replace the blank material on which the media resides with substantially identical type of such blank materials. 7. Merchandise which has been sold and not delivered and finished stock: the regular cash selling price, less all costs to complete the sale and discounts and charges to which such finished stock or merchandise would have been subject had no loss or damage occurred. 8. Money or securities: Money: only up to and including its face value. Securities: only up to and including their value at the close of business on the day the loss was discovered. 9. Outdoor trees, shrubs, plants or lawns: the reasonable and necessary costs of a qualified contractor to remove the damaged tree, shrub, plant or lawn from the location or reported unspecified location and the replacement of such property with similar type, size and quality as the damaged property including reasonable repairing and replanting costs. No payment will be made for the replacement, repairing or replanting of such property until the repairing, replacement and replanting is completed. Damaged outdoor trees, shrubs, plants or lawns not replaced within 12 months from the date of the loss have no value. 10. Property for sale, other than stock or merchandise, the lesser of the: a. replacement cost; b. the selling price; or c. actual cash value. 11. Property in transit: Property under invoice, at the actual invoice cost, including prepaid freight, together with such cost and charges since shipment as may have accrued and become legally due thereon. b. Property not under invoice, in accordance with the valuation provisions of this Policy, less any charges saved which would have become due and payable upon delivery at destination. 12. Research and development project property: the actual cost necessary to: a. research, recreate, repair or replace the research and development project property, including the cost of materials and supplies; and CNA62647XX 10-15 Copyright CNA All Rights Reserved. a r N Risk MmRgmertt DiAsian 3 REVIEWED & APPROVED BY.- E� Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions b. research, recreate or reproduce information, on any format, documenting that lost or damaged research and development project property as of the date of such loss or damage. However, the Insurer will only pay for these costs if the Named Insured repairs, replaces or recreates the research and development project property. Any research and development project property not repaired, replaced or recreated has no value. When production of a new product begins by anyone, the research and development project property for that product and all associated research and recreation costs have no value. 13. Tenant's improvements and betterments: a. Replacement cost if the Named Insured repairs or replaces with reasonable speed. b. A proportion of the Named Insured's original cost if the Named Insured does not repair or replace with reasonable speed. The Insurer will determine the proportionate value as follows: i. multiply the original cost by the number of days from the date of the loss or damage to the expiration date of the lease; and ii. divide that amount determined in Paragraph i. above by the number of days from the installation of the tenant's improvements and betterments to the expiration of the lease. If the lease contains a renewal option, the expiration date of the renewal option period will be used as the expiration date of the lease. c. If others pay for the repairs or replacement, then the Insurer will only pay for that portion which has not been paid for by others. 14. Vehicles or self-propelled machines (other than nonowned trailers), railroad rolling stock and contractor's equipment: at the lesser of the following for that lost or damaged property: a. applicable scheduled Limit of Insurance; b. actual cash value; c. cost to reasonably restore that property to its condition immediately before loss or damage; or d. cost of replacing that property with used, but substantially identical property. XIX. BUSINESS CRIME COVERAGE CONDITIONS Solely with respect to crime coverage provided under the Business Crime Coverage Part and the Employee Theft, Forgery or Alteration and Money and Securities Additional Coverages under the Business Property Coverage Part, the following conditions apply: A. Joint Named Insured 1. If the Named Insured or partner, proprietor, member or officer of that Named Insured has knowledge of any information relevant to this insurance, that knowledge is considered knowledge of every Named Insured. 2. An employee of any Named Insured is considered to be an employee of every Named Insured. 3. If any crime coverage is cancelled or terminated as to any Named Insured, a loss with respect to that Named Insured is covered only if the loss was discovered during the period of time in the When Loss Must be Sustained and Discovered Condition below. However, this extended period to discover loss terminates as to that Named Insured immediately upon the effective date of any other insurance obtained by that Named Insured replacing in whole or in part the insurance afforded hereunder, whether or not such other insurance provides coverage for loss or damage sustained prior to its effective date. 4. In the event loss or damage is sustained by more than one Named Insured, th than if the loss or damage was sustained by one Named Insured. CNA62647XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions B. Named Insured Sponsored Employee Benefit Plans Any employee benefit plan shown under the Business Property Coverage Part Declarations or the Business Crime Coverage Part Declarations as included as an additional Named Insured are so included only with respect to Employee Theft Coverage. In compliance with certain provisions of the Employee Retirement Income Security Act of 1974 (ERISA): 1. If the First Named Insured is an entity other than an employee benefit plan, any payment made by the Insurer will be made jointly to the First Named Insured and to the employee benefit plan that sustained loss. 2. If two or more employee benefit plans are insured under this coverage part, any payment the Insurer makes for covered loss: a. sustained by two or more employee benefit plans; or b. of commingled funds or other property of two or more employee benefit plans, is to be shared by each employee benefit plan sustaining loss in the proportion that the amount of insurance required for each such employee benefit plan under the Employee Retirement Income Security Act of 1974 (ERISA) bears to the total of such payments. 3. The First Named Insured must purchase a Limit of Insurance applicable to Employee Theft Coverage that is at least equal to the minimum amount required by ERISA for any employee benefit plans. If employee benefit plans are insured jointly with any other entity under this coverage part the limit must be at least equal to the minimum amount required by ERISA as if each employee benefit plan were insured independently. If, during this policy period, it is determined that the applicable Limit of Insurance as shown in the Business Property Schedule of Coverages and Limits or Business Crime Schedule of Coverages, Limits and Deductibles was less than the amounts required by ERISA on the effective date of this Policy, then, at the request of the First Named Insured during this policy period, and subject to the payment of any additional premium, the applicable Limit of Insurance may be amended to equal the minimum amount required by ERISA. 4. The deductible otherwise applicable to Employee Theft Coverage does not apply to loss sustained by any employee benefit plan. C. New Employees/New Employee Benefit Plans 1. New Employees or Premises If, during this policy period the Named Insured establishes any additional premises or hires additional employees, any insurance afforded for employees and premises shall also apply to those additional employees and premises. 2. New Employee Benefit Plans If any employee benefit plan is acquired by the Named Insured during the policy period that is: a. sponsored and approved by the Named Insured; and b. required to be bonded under the provisions of ERISA, that employee benefit plan shall be included as a Named Insured under this coverage part. D. Loss Covered Under This Insurance and Prior Insurance Issued by the Insurer or Any Affiliate of the Insurer If the Named Insured discovers covered loss during the policy period resulting di acts that took place partly during the policy period and partly during a policy pe CNA62647XX 10-15 Copyright CNA All Rights Reserved. No,=a RiskMmRgzmerdDivisian �� � REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions terminated Policy that the Insurer or any affiliate issued to the Named Insured or any predecessor in interest, the most the Insurer will pay is the larger of the amount recoverable under this Policy or the prior Policy. E. Loss Sustained During Prior Policy 1. If the Named Insured, or a predecessor in interest, sustained a loss that could have been recovered under a prior policy except that the time within which to discover the loss under such prior policy had expired, then the Insurer will pay for it under this Policy, provided: a. this Policy became effective at the time of cancellation or termination of such prior Policy; and b. the loss would have been covered by this Policy had it been in effect at the time of such loss. 2. The Limit of Insurance available under this Loss Sustained During Prior Policy Condition is part of, and not in addition to, the applicable Crime Coverage Limits of Insurance and is limited to the following: a. when the prior policy was issued by the Insurer or any affiliate of the Insurer, the highest single Limit of Insurance of the amount recoverable under: i. this Policy as of its effective date; or ii. the prior policy had it remained in effect. b. when the prior policy was not issued by the Insurer or any of its affiliates, the lesser of the single Limit of Insurance of the amount recoverable under: i. this Policy as of its effective date; or ii. the prior policy had it remained in effect. F. Non -Cumulation of Limit of Insurance Regardless of the number of years this Policy or similar insurance (whether issued on a "Loss Sustained" or "Loss Discovered" basis) issued by the Insurer remains in force or the number of premiums paid, the Limit of Insurance does not cumulate from one policy period to another policy period. G. Ownership of Property; Interests Covered The money, securities and other property covered under this coverage part is limited to such property: 1. that the Named Insured owns or leases; 2. that the Named Insured holds for others; or 3. owned and held by someone other than the Named Insured under circumstances which make the Named Insured responsible for the property prior to the time of loss. Solely with respect to an employee benefit plan, the money, securities and other property covered under any crime coverage is limited to all funds or property that the employee benefit plan uses or may use as a source for the payment of benefits to plan participants or beneficiaries, as described by the Employee Retirement Income Security Act of 1974 (ERISA), any amendments thereto and any regulations promulgated thereunder. However, this insurance is for the Named Insured's benefit only. It provides no rights or benefits to any clients or to any other person or organization. H. Termination of Coverage as Respects Acts of Any Employee Coverage is terminated with respect to any employee: 1. immediately upon discovery of a dishonest act: CNA62647XX 10-15 Copyright CNA All Rights Reserved. a r N Risk MmRgmertt DiAsian 3 REVIEWED & APPROVED BY.- E� Risk Management Analyst CNA CNA PARAMOUNT First Party Terms and Conditions a. committed by that employee while employed by the Named Insured, or b. committed by that employee prior to becoming employed by the Named Insured, provided dishonest acts committed prior to becoming employed by the Named Insured resulted in a loss equal to or exceeding $10,000, provided that such discovery was made by the Named Insured or any of the Named Insured's employees, partners, proprietors, members, managers, officers, directors or trustees, not in collusion with the employee who committed such act, whether before or after becoming employed by the Named Insured. 2. on the date specified in the notice mailed to the Named Insured. That date will be at least 60 days after the date of mailing. The Insurer will mail or deliver the notice to the First Named Insured's last mailing address known to the Insurer. If notice is mailed, proof of mailing will be sufficient proof of notice. I. When Loss Must be Sustained and Discovered Except as provided in the Loss Sustained During Prior Policy Condition, loss is covered only if sustained during the policy period and discovered no later than one year from the date of cancellation or expiration of the Policy. However, with respect to any Named Insured who obtains any other insurance replacing in whole or in part the insurance afforded by such crime coverages, regardless of whether such insurance is obtained during or after the policy period, this extended period to discover loss terminates immediately upon the effective date of such other insurance, whether or not such other insurance provides coverage for such crime loss sustained prior to its effective date. J. Worldwide Coverage and Other Territory Changes With respect to Employee Theft Coverage, coverage applies anywhere in the world for employees while temporarily outside the coverage territory for a period of 90 days or less. With respect to Forgery or Alteration Coverage and Computer Fraud Coverage, coverage applies anywhere in the world. CNA62647XX 10-15 Copyright CNA All Rights Reserved. HORaN RiskMmRgzmerdDivisian REVIEWED & APPROVED BY.- o z Risk Management Analyst CNA CNA PARAMOUNT Technology Business Property Coverage Part Declarations Policy Number: 6017210152 1. Named Name: LYRASIS INC Insured and mailing address Address: 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2955 2. Limits of See Business Property Schedule of Coverages and Limits Insurance, and Business Property Schedule of Locations Deductibles Waiting periods 3. Premium, Surcharges Taxes and Fees at Issuance Total Premium for this Coverage Part $2 , 722 . 00 Total Premium, Surcharges Taxes and Fees for this Coverage Part $2 , 722 . 0 0 Terrorism Risk Insurance Extension Act Premium $11.00 Your Premium includes the following amount to cover a fire loss that follows from a certified act of terrorism, even if certified acts of terrorism are otherwise excluded under this policy (statutorily required for locations in the Standard Fire Policy states of CA,GA,HI,IA,IL,MA,ME,MO,NC,NJ,NY,OR,RI,WI and WV): $16.00 CNA62643XX 09-12 Copyright CNA All Rights Reserved. HortaN o '....,. ''.'�'�i o� Y Risk MmWmerdDi Sian ccREVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Business Property Schedule of Coverages and Limits Policy Number: 6017210152 COVERAGES AND LIMITS Coverages under the Business Property Coverage Part apply as shown below. Limits of Insurance shown as Each Location apply separately for any one occurrence at each location identified in the Business Property Schedule of Locations, and at each reported unspecified location, if applicable. Limits of Insurance shown as Each Occurrence represent the total the Insurer will pay for any one occurrence for that coverage. However, if a particular coverage is shown as "Not Covered", then such coverage is not provided under this Business Property Coverage Part. If a different Limit of Insurance is shown for a particular coverage at a specific location, that Limit replaces, and is not in addition to, the Limit of Insurance shown for that coverage in the Business Property Schedule of Coverages and Limits, for that location. SPECIFIED LOCATION COVERAGE AGREEMENT LOCATION BASE COVERAGE: Real Property Coverage SEE THE SCHEDULE OF LOCATIONS Personal Property Coverage TIME ELEMENT COVERAGE: Business Income Coverage SEE THE SCHEDULE OF LOCATIONS Extra Expense Coverage FEES COSTS AND EXPENSES COVERAGES Architects & Engineers and Other Professional Fees Included within the applicable Real Property or Personal Property Limit Brands & Labels Costs and Expenses Included within the applicable Personal Property Limit Debris Removal Costs and Expenses Included within the applicable Real Property or Personal Property Limit Debris Removal: Additional Costs and Expenses $ 3 0 0 , 0 0 0 Each Location Uncovered Property $ 5 , 0 0 0 Each Location Expediting Costs and Expenses $50, 000 Each Location Green Insured Property: Costs and Expenses Included within the applicable Real Property or Personal Property Limit Time Element Included within the applicable Time Element Coverage Limit OFF -SITE COVERAGES Deferred Payments Coverage $25 , 000 Each Occurrence Dependent Property Time Element Coverage $250, 000 Each Occurrence Installation Coverage $50, 000 Each Occurrence Mobile Computing Devices - Worldwide Coverage $25, 000 Each Occurrence Property at Unspecified Locations Coverage — $100, 000 Each Unspecified Location Property Damage and Time Element Combined Unspecified Locations Combined Not Applicable Property in Transit Coverage — Property Damage and $100 , 000 Each Occurrence Time Element Combined Worldwide Media and Accounts Receivable Coverage $100, 000 Each Occurrence CNA62645XX 10-15 Copyright CNA All Rights Reserved. HORaN } z a Risk MmRgzmentDMsian REVIEWED & APPROVED BY: F P1. Vj&4441 Risk Management Analyst CNA CNA PARAMOUNT Business Property Schedule of Coverages and Limits Policy Number: 6017210152 ADDITIONAL COVERAGES Contaminants or Pollutants Clean Up and Removal Coverage— Property Damage and Time Element $50, 000 Each Location Combined Contamination by a Refrigerant Coverage $25 , 000 Each Location Contractual Penalties Coverage $50, 000 Each Occurrence Denial of Access Coverage: Civil Authority Included within the applicable Number of Days: Time Element Coverage Limit 30 Ingress/Egress $ 5 0, 0 0 0 Each Location Electronic Vandalism Coverage — Property Damage $50, 000 Aggregate and Time Element Combined Employee Theft Coverage Not Covered Equipment Breakdown — Spoilage Coverage $250, 000 Each Location Expense to Reduce Loss — Business Income Included in applicable Business Income Limit Extended Indemnity Period — Business Income Included within the applicable Number of Days: Coverage Business Income Limit 365 Forgery or Alteration Coverage Not Covered Fungi, Wet Rot, Dry Rot and Microbe Coverage— $50, 000 Aggregate Property Damage and Time Element Combined Loss Adjustment Expense Coverage $25 , 000 Each Occurrence Money and Securities Coverage Not Covered Newly Acquired Locations and Property Coverage: Newly Acquired or Constructed Real Property $2, 000, 000 Each Occurrence Number of Days: 180 Newly Acquired — Other Property $1,000,000 Each Occurrence Number of Days: 180 Newly Acquired Location —Time Element $250, 000 Each Occurrence Number of Days: 180 Ordinance or Law Coverage: Undamaged Insured Property Included within the applicable Real Property or Personal Property Limit Demolition and Repair Cost $ 5 0 0 , 0 0 0 Each Location Increased Period of Restoration Included within the applicable Business Income Limit Pair or Set Coverage Included within the applicable Personal Property Limit Protection of Property Coverage: Included within the applicable Removal of Insured Property Real Property or Personal Number of Days: 365 Property Limit Preservation of Insured Property $2 , 500 Each Occurrence CNA62645XX 10-15 Copyright CNA All Rights Reserved. HORaN } z Risk MmRgzmentDMsian REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Business Property Schedule of Coverages and Limits Policy Number: 6017210152 ADDITIONAL COVERAGES Reported Unspecified Locations Real Property Personal Property Business Income Extra Expense Not Covered Research and Development Coverage: Research and Development Project Property $250, 000 Each Location Research and Development Business Income Included within the applicable Business Income Limit Theft Damage to Non Owned Building Coverage Included within the applicable Personal Property Limit Trees, Shrubs, Plants and Lawns Coverage $5, 000 Each Item$250, 000 Each Location Unintentional Errors or Omissions Coverage $250, 000 Each Occurrence Utility Supply Failure Coverage: Property Damage $500, 000 Each Occurrence Time Element $25, 000 Each Occurrence ADDITIONAL COVERAGE BASKET All coverages shown in the SCHEDULE below are part of the Additional Coverage Basket and subject to a combined single Each Location Limit of Insurance shown in the SCHEDULE below. Such Limit of Insurance applies separately for any one occurrence at each location identified in the Business Property Schedule of Locations, and at each reported unspecified location, if applicable, unless the Additional Coverage Basket is shown as "Not Covered" for any specific location. If a different Limit of Insurance is shown for Additional Coverage Basket at a specific location, that Limit replaces, and is not in addition to, the Limit of Insurance shown for Additional Coverage Basket below, for that location. SCHEDULE Accounts Receivable Coverage $l, 000, 000 Each Location Fine Arts Coverage (subject to Per Item Limit of 100 000 Fire Department Service Charge Coverage Lessee Leasehold Interest Coverage Lost Key Replacement Coverage Non Owned Detached Trailers Coverage Recharge of Fire Protection Equipment Coverage Restoration of Media Coverage Reward Payments Coverage CNA62645XX 10-15 Copyright CNA All Rights Reserved. HORaN } z a RiskMaaganentDMsian REVIEWED & APPROVED BY.- p PZ. W&Wd Risk Management Analyst CNA CNA PARAMOUNT Business Property Schedule of Locations Policy Number: 6017210152 Deductibles/Periods of Indemnity/ Percentages The Property Deductible shown below applies to all loss, damage, cost or expense covered by the Business Property Coverage Part, unless a more specific deductible is shown in the SCHEDULE below or at a location shown in the Location and Coverage Schedule. If a Qualifying Period is shown below, then the qualifying period will apply to all Business Income and Research and Development Business Income Coverages. Monetary Deductibles Deductible Amount or Percentage Property Deductible $ 5 , 0 0 0 Qualifying Periods Number of Hours Time Element 72 hours Location and Coverage Schedule Real Property, Personal Property, Business Income or Extra Expense Coverage apply only to the extent shown for the locations described below. Additional Coverages and Fees, Costs and Expenses Coverage that show an Each Location Limit of Insurance in the Business Property Schedule of Coverages and Limits, and the Additional Coverage Basket, apply at each location described below. If a different Limit of Insurance is shown for a particular coverage at a specific location, that Limit replaces, and is not in addition to, the Limit of Insurance shown for that coverage in the Business Property Schedule of Coverages and Limits, for that location. If a particular coverage does not apply at a specific location, that coverage will be shown as "Not Covered" at that location. Location Location Address: Number 1438 W PEACHTREE ST NW 1 SUITE 200 ATLANTA GA 30309 Location Base Coverages Personal Property $1, 0 0 0, 0 0 0 Business Income $216, 000 Extra Expense $460, 000 CNA62644XX 10-15 Copyright CNA All Rights Reserved. HortaN 3 z a RiskMwaganerdDivisian REVIEWED & APPROVED BY.- F 4' P1. V Risk Management Analyst CNA CNA PARAMOUNT Schedule of Loss Payees or Mortgagees Endorsement It is understood and agreed that the following are added as Loss Payees (Clause A), Lender Loss Payees (Clause B), Mortgagees (including Trustees) (Clause B/C), Contract Sale Loss Payees (Clause D) Building Owner Loss Payees (Clause E) as described under the Section LOSS PAYEES OR MORTGAGEES of the First Party Terms and Conditions. Location Number Name and Address of Loss Payee, Lender Loss Payee, Mortgagee, Building Owner Loss Payee, or Contract Sale Loss Payee Not applicable All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA62728XX 10-15 Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC COMPANY Copyright CNA All Rights Reserved. Pc Endorsen Effecti) �oRaN� 3 RiskMaaganerdDivisian REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part TABLE OF CONTENTS I. LOCATIONS COVERAGES A. Location Base Coverages 1. Real Property Coverage Page 3 2. Personal Property Coverage Page 3 3. Time Element Coverage Page 3 B. Fees, Costs and Expenses Coverages 1. Architects & Engineers and Other Professional Fees Page 4 2. Brands & Labels Costs and Expenses Page 4 3. Debris Removal Costs and Expenses Page 4 4. Debris Removal Page 4 5. Expediting Costs and Expenses Page 5 6. Green Insured Property Page 5 II. OFF -SITE COVERAGES A. Deferred Payments Coverage Page 6 B. Dependent Property Time Element Coverages Page 6 C. Installation Coverage Page 6 D. Mobile Computing Devices — Worldwide Coverage Page 7 E. Property at Unspecified Locations Coverage — Property Damage and Time Element Combined Page 7 F. Property in Transit — Property Damage and Time Element Combined Page 7 G. Worldwide Media and Accounts Receivable Coverage Page 9 III. ADDITIONAL COVERAGES A. Contaminants or Pollutants Clean Up and Removal Coverage — Property Damage and Time Element Combined Page 9 B. Contamination by a Refrigerant Coverage Page 10 C. Contractual Penalties Coverage Page 10 D. Denial of Access Coverage Page 10 E. Electronic Vandalism Coverage — Property Damage and Time Element Combined Page 11 F. Employee Theft Coverage Page 12 G. Equipment Breakdown — Spoilage Coverage Page 12 H. Expense to Reduce Loss — Business Income Coverage Page 13 I. Extended Indemnity Period — Business Income Coverage Page 13 J. Forgery or Alteration Coverage Page 13 K. Fungi, Wet Rot, Dry Rot or Microbe Coverage — Property Damage and Time Element Combined CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDi isfan cREVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part L. Loss Adjustment Expense Coverage Page 14 M. Money and Securities Coverage Page 14 N. Newly Acquired Locations and Property Coverage Page 15 O. Ordinance or Law Coverage Page 16 P. Pair or Set Coverage Page 17 Q. Protection of Property Coverage Page 18 R. Reported Unspecified Locations Page 18 S. Research and Development Coverage Page 19 T. Theft Damage to Non Owned Building Coverage Page 19 U. Trees, Shrubs, Plants or Lawns Coverage Page 19 V. Unintentional Errors or Omissions Coverage Page 20 W. Utility Supply Failure Coverage Page 21 IV. ADDITIONAL COVERAGE BASKET A. Accounts Receivable Coverage Page 22 B. Fine Arts Coverage Page 22 C. Fire Department Service Charge Coverage Page 22 D. Lessee Leasehold Interest Coverage Page 23 E. Lost Key Replacement Coverage Page 23 F. Non Owned Detached Trailers Coverage Page 23 G. Recharge of Fire Protection Equipment Coverage Page 23 H. Restoration of Media Coverage Page 23 I. Reward Payments Coverage Page 24 V. EXCLUSIONS A. Excluded Perils Subject to Concurrent Causation Provisions Page 24 B. Other Excluded Perils Page 25 C. Limitations Page 28 D. Excluded Fees, Costs and Expenses Page 29 VI. LIMITS OF INSURANCE / INDEMNITY PERIOD / DEDUCTIBLE / QUALIFYING PERIOD A. Limits of Insurance Page 29 B. Special Limits Page 29 C. Maximum Period of Indemnity Page 29 D. Monthly Limit of indemnity Page 29 E. Inflation Guard Page 30 F. Deductibles and Qualifying Periods Page 30 CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDivisiun cREVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part The following coverages apply to the extent shown in the Business Property Schedule of Coverages and Limits or the Business Property Schedule of Locations. I. LOCATION COVERAGES A. Location Base Coverage 1. Real Property Coverage The Insurer will pay for direct physical loss of or damage to real property at a location directly caused by a covered peril. The most the Insurer will pay for any one occurrence for such loss or damage is the applicable Real Property Coverage Limit of Insurance shown in the Business Property Schedule of Locations at that location. 2. Personal Property Coverage The Insurer will pay for direct physical loss of or damage to personal property at a location directly caused by a covered peril. The most the Insurer will pay for any one occurrence for such loss or damage is the applicable Personal Property Coverage Limit of Insurance shown in the Business Property Schedule of Locations at that location. 3. Time Element Coverage a. Business Income Coverage The Insurer will pay for the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations caused by direct physical loss of or damage to property at a location directly caused by a covered peril. The most the Insurer will pay for any one occurrence for such loss of business income is the applicable Business Income Coverage Limit of Insurance shown in the Business Property Schedule of Locations at that location. b. Extra Expense Coverage N The Insurer will pay extra expense caused by direct physical loss of or damage to property at a location directly caused by a covered peril. N 0 The most the Insurer will for pay for any one occurrence for such extra expense is the applicable Extra Expense Coverage Limit of Insurance shown in the Business Property Schedule of Locations at that location. c. Business Income and Extra Expense Coverage If a Business Income and Extra Expense Coverage Limit of Insurance is shown in the Business Property Schedule of Locations at a location, the Insurer will pay for the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations, and extra expense, caused by direct physical loss of or damage to property at that location directly caused by a covered peril. The most the Insurer will pay for any one occurrence for all such loss of business income and extra expense is the applicable Business Income and Extra Expense Coverage Limit of Insurance. B. Fees, Costs and Expenses Coverages If the Insurer pays for loss or damage to any insured property pursuant to any Location Base Coverage shown in Paragraph A. above, or at reported unspecified locations, the Insurer will all - reasonable and necessary fees, costs and expenses incurred by the Named Insure �oRa RAMmagemedDiviafan } % z REVIEWED & APPROVED BY.- CNA62648XX 10-15 ¢u4w'L� P1. Vj&ud Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part covered loss or damage. The most the Insurer will pay for any of the following Fees, Costs and Expenses Coverages are the Limits of Insurance shown in the Business Property Schedule of Coverages and Limits. Limits for these coverages apply in addition to any other applicable Limits of Insurance, unless otherwise stated. Limits of Insurance applicable at a location that differ for a specific location will be shown in the Business Property Schedule of Locations for that location. Those Limits replace, and are not in addition to, the Limits of Insurance shown in the Business Property Schedule of Coverages and Limits for those specific coverages and locations. If any of these coverages do not apply at any specific location, the Limit of Insurance will show as Not Covered for those locations. 1. Architects & Engineers and Other Professional Fees The Insurer will pay the fees incurred for the services of architects, engineers or construction consultants approved by the Insurer and resulting directly from the repair or replacement of such insured property. The amount the Insurer will pay for such fees is included within the applicable Real Property Coverage or Personal Property Coverage Limits of Insurance. 2. Brands & Labels Costs and Expenses In accordance with the LOSS PAYMENT Condition in the First Party Terms and Conditions, the Insurer will pay the costs and expenses incurred to remove the brands and labels from merchandise or finished stock and to stamp "salvage" on such merchandise or finished stock or its containers. The amount the Insurer will pay for all such costs and expenses is included within the applicable Personal Property Coverage Limit of Insurance. 3. Debris Removal Costs and Expenses The Insurer will pay the costs and expenses incurred to remove debris of covered property remaining after such loss or damage. Debris Removal Costs and Expenses does not include the costs or expenses of removing, extracting or disposing of contaminants or pollutants from land or water. The amount the Insurer will pay for all such costs and expenses is included within the remaining Limit of Insurance for the applicable covered property after payment of the covered physical loss or damage. 4. Debris Removal a. Additional Costs and Expenses If the amount incurred for the covered loss or damage to covered property, including Debris Removal Costs and Expenses, exceeds the applicable Limit of Insurance for such covered property, the Insurer will pay the remaining debris removal costs and expenses incurred. The most the Insurer will pay for such remaining debris removal costs and expenses at any one location or reported unspecified location for any one occurrence is the Debris Removal — Additional Costs and Expenses Limit of Insurance. b. Uncovered Property If wind causes direct physical loss of or damage to covered property, the Insurer will also pay for the expense the Named Insured incurs to remove debris of uncovered property that is blown onto a location or reported unspecified location by wind and to remove debris of outdoor trees, shrubs, plants or lawns damaged by wind. The most the Insurer will pay for uncovered property at any one location or reported unspecified location for any one occurrence is the Debris Removal — Uncovered Property Limit of Insurance. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 5. Expediting Costs and Expenses The Insurer will pay the additional costs and expenses incurred for temporary repair of damage to covered property and the additional expenses incurred for expediting the permanent repair or replacement of such damaged covered property. However, the Insurer will not pay such costs and expenses if they are covered elsewhere in this coverage part. The most the Insurer will pay for all such costs and expenses at any one location or reported unspecified location for any one occurrence is the Expediting Costs and Expenses Limit of Insurance. 6. Green Insured Property a. Costs and Expenses With respect to green insured property, the Insurer will pay the costs and expenses incurred: i. to reuse or salvage building materials and products; ii. to extract recyclable construction waste and transport it to recycling facilities instead of landfills but only to the extent they are not offset by any income derived from the recycling; iii. for the services of accredited architects or engineers approved by the Insurer in planning and designing the applicable green insured property qualifying repairs or rebuild; iv. to re -certify the repaired or replaced insured property through the applicable green insured property accreditation organization; and v. to flush -out the air in the repaired or rebuilt green insured property and replace it with outside air ventilated through an air filtration system included as part of the repaired or replaced green insured property. The amount the Insurer will pay for all such costs and expenses is included within the applicable Real Property Coverage or Personal Property Coverage Limits of Insurance. b. Time Element To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will pay, as provided, for loss of business income or extra expense arising out of extra time required to re -qualify, repair or rebuild the green insured property, including: L additional costs to obtain power from a public utility for covered equipment that uses solar, wind, geo-thermal or other renewable resources to generate power. These additional costs will be paid until such time as such green insured property is repaired and operating; and ii. the monetary loss of rebates and credits the Named Insured receives from the public utility company for surplus power the Named Insured's renewable resources provide into the utility's power grid. The amount the Insurer will pay for such all such loss and expense is included within the applicable time element coverage Limit of Insurance. c. This Green Insured Property Coverage does not apply to: i. green insured property for which the basis of valuation is other than replacement cost; or ii. costs or expenses to upgrade the damaged green insured property to green standards beyond those that existed in the damaged green insured property at the time of loss or damage. II. OFF -SITE COVERAGES The following OFF -SITE COVERAGES apply as shown in the Business Property Schedule of Coverages and Limits, up to the applicable Limit of Insurance shown. If a specific Location Base elsewhere in this Business Property Coverage Part, there is no coverage under it CNA62648XX 10-15 Copyright CNA All Rights Reserved. s ,a RisleManagementDi isfan REVIEWED & APPROVED BY.- ru-c-�" 1Z. YSA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part COVERAGE. For example, if the Named Insured does not have coverage for business income under the Location Base Coverages, then there is no such coverage related to business income under any of the OFF -SITE COVERAGES. Limits for these OFF -SITE COVERAGES apply in addition to any other applicable Limits of Insurance, unless otherwise stated. A. Deferred Payments Coverage 1. The Insurer will pay the Named Insured's financial interest in personal property sold on an installment, conditional sale or other deferred payment basis. The Insurer will make such payments only if such personal property suffers direct physical loss or damage due to a covered peril after delivery to the purchaser, and only if the Named Insured is unable to collect after making all reasonable efforts to do so. 2. The most the Insurer will pay for such payments under this OFF -SITE COVERAGE for any one occurrence is the lesser of the Named Insured's financial interest in such personal property or the Deferred Payments Coverage Limit of Insurance. The Limit for this OFF -SITE COVERAGE is included in, and not in addition to, any other applicable Limits of Insurance. B. Dependent Property Time Element Coverage 1. To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will pay, as provided, for: a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, caused by direct physical loss of or damage to property at a dependent property located anywhere in the world. The loss or damage must be directly caused by a covered peril. 2. The most the Insurer will pay for all loss and expense under this OFF -SITE COVERAGE for any one occurrence is the Dependent Property Time Element Coverage Limit of Insurance. 3. The Insurer will not pay for loss of business income or extra expense caused by or resulting from earthquake or flood under this OFF -SITE COVERAGE, even if they are otherwise covered perils. C. Installation Coverage 1. The Insurer will pay for direct physical loss of or damage to installation property directly caused by a covered peril while such installation property is at an installation location or a temporary warehousing premises: a. awaiting and during installation, fabrication, erection, certifying, servicing or testing; or b. awaiting acceptance by the purchaser. 2. The most the Insurer will pay for all loss or damage under this OFF -SITE COVERAGE for any one occurrence is the Installation Coverage Limit of Insurance. 3. This Installation Coverage does not apply to loss or damage at any premises, location or reported unspecified location owned by the Named Insured, or to property in the due course of transit. 4. This Installation Coverage will end on the date when any of the following first occurs: a. the Policy expires; b. the Named Insured's insurable interest in the property ceases; CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part c. the installation, fabrication or erection project is accepted by the purchaser as complete; or d. the Named Insured abandons the installation, fabrication or erection project with no intention to complete it. D. Mobile Computing Devices — Worldwide Coverage 1. The Insurer will pay for direct physical loss of or damage to mobile computing devices while outside the coverage territory, except within any country upon which the United States government has imposed sanctions, embargoes or similar prohibitions. The loss or damage must be directly caused by a covered peril. 2. The most the Insurer will pay for loss or damage under this OFF -SITE COVERAGE for any one occurrence is the Mobile Computing Devices — Worldwide Coverage Limit of Insurance. E. Property at Unspecified Locations Coverage — Property Damage and Time Element Combined 1. The Insurer will pay for direct physical loss of or damage to insured property, research and development project property and fine arts at an unspecified location, or while in the custody of a salesperson, directly caused by a covered peril. The coverage provided for fine arts under this OFF -SITE COVERAGE is subject to the provisions of the Fine Arts Coverage in the ADDITIONAL COVERAGE BASKET section, except the requirement that such property be at a location or reported unspecified location. 2. To the extent time element coverage is applicable under this Business Property Coverage Part, the Insurer will pay, as provided, for: a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, caused by loss of or damage to insured property, research and development project property and fine arts at an unspecified location or while in the custody of a salesperson directly caused by a covered peril. 0 0 3. The most the Insurer will pay for all loss, damage or expense combined under this OFF -SITE COVERAGE: a. at any one unspecified location for any one occurrence is the Property at Unspecified Locations 0 Coverage — Property Damage and Time Element Unspecified Location Limit of Insurance. b. for all unspecified locations for any one occurrence, regardless of the number of unspecified locations involved, is the Property at Unspecified Locations Coverage — Property Damage and Time Element Unspecified Locations Combined Limit of Insurance. 4. This Property at Unspecified Locations Coverage does not apply to: a. property in transit, other than while in the custody of salespersons as described in Paragraph E.1. above; b. property that is covered under the Protection of Property Coverage of the ADDITIONAL COVERAGES section. 5. The Earth Movement and Flood Excluded Perils under the EXCLUSIONS section do not apply only with respect to unspecified locations that the Named Insured does not own, operate or lease. F. Property in Transit Coverage — Property Damage and Time Element Combined 1. The Insurer will pay for direct physical loss of or damage to insured property, ri project property, fine arts, media and records of accounts receivable directly CNA62648XX 10-15 Copyright CNA All Rights Reserved. ,searcn ana aeveio meni ,a Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- ru4w'L� 11. Yi&4441 Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part while in the course of transit from the time such property is being loaded at the initial point of shipment and continuously thereafter, until unloaded at the final destination, or if undeliverable, the time it is returned to the location or reported unspecified location, including: a. general average or salvage charges that are assessed; and b. reasonable and necessary expense the Named Insured incurs to inspect, repackage and reship such property. The coverage provided for fine arts, records of accounts receivable and media under this OFF -SITE COVERAGE are subject to the provisions of the Fine Arts Coverage, Accounts Receivable Coverage and Restoration of Media Coverage, respectively, in the ADDITIONAL COVERAGE BASKET section, except the requirement that such property be at a location or reported unspecified location. 2. To the extent time element coverage is applicable under this Business Property Coverage Part, the Insurer will also pay, as provided, for: a. actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, caused by loss of or damage to insured property, research and development project property, fine arts and media while in the course of transit directly caused by a covered peril. 3. The most the Insurer will pay for all loss, damage or expense combined under this OFF -SITE COVERAGE for any one occurrence is the Property in Transit Coverage — Property Damage and Time Element Limit of Insurance. 4. When neither the origin nor the destination is in any country upon which the United States government imposes sanction, embargoes or similar provisions, the following applies: a. If the property is transported by an aircraft, the coverage territory is extended to be anywhere in the world for that property while in transit; or b. If the property is transported by an oceangoing vessel, transit coverage ends when the property has been loaded on the oceangoing vessel and only commences when the property has been fully discharged from such vessel onto a point within the coverage territory. 5. This Property in Transit Coverage does not apply to: a. import shipments until marine insurance coverage ceases; b. personal property of others hauled on vehicles owned, leased or operated by the Named Insured when acting as a common or contract carrier, regardless of the Named Insured's liability for such property; c. property sold by the Named Insured under conditional sale, trust agreement or installment payment after delivery to customers; d. property shipped by common carrier or postal service unless such shipment is electronically tracked by such carrier or service; or e. property while in the custody of salespersons. 6. In the event of any loss of or damage to personal property in transit, the Named Insured must immediately make a claim in writing against the carrier, bailee or others involved. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 7. The Earth Movement and Flood Excluded Perils under the EXCLUSIONS section do not apply with respect to this OFF -SITE COVERAGE. G. Worldwide Media and Accounts Receivable Coverage The Insurer will pay for direct physical loss of or damage to media and records of accounts receivable directly caused by a covered peril while such property is at a premises other than a location or reported unspecified location. 2. With respect to coverage provided under this OFF -SITE COVERAGE, the coverage territory is extended to be anywhere in the world, except within any country upon which the United States government has imposed sanctions, embargoes or similar prohibitions. The most the Insurer will pay for all loss or damage under this OFF -SITE COVERAGE for any one occurrence is the Worldwide Media and Accounts Receivable Coverage Limit of Insurance. 4. The Earth Movement and Flood Excluded Perils under the EXCLUSIONS section do not apply under this OFF -SITE COVERAGE, but only when such property is at premises that the Named Insured does not own, operate or lease. III. ADDITIONAL COVERAGES The following ADDITIONAL COVERAGES apply up to the applicable Limit of Insurance shown under the Business Property Schedule of Coverages and Limits. If a particular coverage is shown as Not Covered then such coverage is not provided under this Business Property Coverage Part. Limits of Insurance for an ADDITIONAL COVERAGE that differ at any specific location will be shown under the Business Property Schedule of Locations for that location. Those Limits of Insurance replace, and are not in addition to, the Limit of Insurance shown for that ADDITIONAL COVERAGE in the Business Property Schedule of Coverages and Limits. If any ADDITIONAL COVERAGE does not apply at a specific location, that ADDITIONAL COVERAGE will be shown as Not Covered at that location. If a specific Location Base Coverage is not provided at a location or at reported unspecified locations in this Business Property Coverage Part, there is no coverage under its corresponding ADDITIONAL COVERAGE. For example, if the Named Insured does not have a Location Base Coverage for business income for one or more locations or reported unspecified location, then there is no coverage related to business income under any of the 0 ADDITIONAL COVERAGES for business income. 0 Limits for these ADDITIONAL COVERAGES apply in addition to any other applicable Limits of Insurance, unless 0 otherwise stated. 0 0 A. Contaminants or Pollutants Clean Up and Removal Coverage — Property Damage and Time Element Combined 1. The Insurer will pay for the reasonable costs and expenses to extract or remove contaminants or pollutants from land or water at a location or reported unspecified location, provided such contaminants or pollutants are in the land or water as a direct result of a covered peril. These costs and expenses include the costs and expenses to test for, monitor or assess the existence, concentration or effects of contaminants or pollutants. The Insurer will pay these costs and expenses only if reported to the Insurer within 180 consecutive days of the date on which the covered peril occurs. 2. To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will also pay, as provided, for: the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDi isfan cREVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, as a result of compliance with an ordinance or law that requires the clean up or removal of contaminants or pollutants from land or water at a location or reported unspecified location as a direct result of a covered peril. 3. The most the Insurer will pay for all loss, cost or expense combined under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Contaminants or Pollutant Clean Up and Removal Coverage — Property Damage and Time Element Combined Limit of Insurance. B. Contamination by a Refrigerant Coverage 1. The Insurer will pay for direct physical loss of or damage to personal property caused by the release or escape of refrigerants from any refrigeration equipment at a location or reported unspecified location provided the release or escape was not caused by or resulting from earthquake or flood, even if those are otherwise covered perils. 2. The most the Insurer will pay for loss or damage under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Contamination by a Refrigerant Coverage Limit of Insurance. The Limit for this ADDITIONAL COVERAGE is included in, and not in addition to, any other applicable Personal Property Coverage Limit of Insurance. 3. The Contaminants or Pollutants Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. C. Contractual Penalties Coverage 1. The Insurer will pay for contractual penalties specified in a written contract that the Named Insured incurs for material breach of the terms of such contract where such breach is the result of direct physical loss of or damage to covered property directly caused by a covered peril. 2. The most the Insurer will pay for such contractual penalties under this ADDITIONAL COVERAGE for any one occurrence is the Contractual Penalties Coverage Limit of Insurance. D. Denial of Access Coverage To the extent time element coverage is applicable at that location or reported unspecified location, the following coverages apply at the location or reported unspecified location where the suspension or delay of operations occurs: 1. Civil Authority a. For up to the number of days shown on the Business Property Schedule of Coverages and Limits, the Insurer will pay, as provided, for: i. The actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; ii. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of the research and development projects; and iii. extra expense, CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDivisiun cREVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part caused by action of civil authority that prohibits access to the location or reported unspecified location. Such action must result from a civil authority's response to direct physical loss of or damage to property located away from a location or reported unspecified location. That lost or damaged property must be within five miles of that location or reported unspecified location which sustains a business income or research and development business income loss or where extra expense is incurred. The loss or damage must be directly caused by a covered peril. b. The amount the Insurer will pay for all loss or expense under this Civil Authority Coverage is included within the applicable time element coverage Limit of Insurance. c. However, to the extent the covered Civil Authority Coverage loss or expense is caused by or resulting from: i. flood, the amount payable under this Civil Authority Coverage is included within, and not in addition to, the applicable Flood Limit of Insurance. ii. earthquake, the amount payable under this Civil Authority Coverage is included within, and not in addition to, the applicable Earthquake Limit of Insurance. 2. Ingress/Egress a. The Insurer will pay, as provided, for: L the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; ii. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of the research and development projects; and iii. extra expense, when ingress or egress by the Named Insured's suppliers, customers or employees to or from the location or reported unspecified location is physically obstructed due to direct physical loss or damage. The actual loss of business income or research and development business income sustained, or extra expense incurred, by the Named Insured must be caused by direct physical loss of or damage to property not owned, occupied, leased or rented by the Named Insured or insured under this Business Property Coverage Part. That property must be located within five miles of such location or reported unspecified location. The obstruction cannot be the result of an action of civil authority that prohibits access to that location or reported unspecified location. The loss or damage must be directly caused by a covered peril. b. The most the Insurer will pay for all loss or expense under this Ingress/Egress Coverage at any one location or reported unspecified location for any one occurrence is the Ingress/ Egress Coverage Limit of Insurance. c. However, to the extent the covered Ingress/Egress Coverage loss or expense is caused by or resulting from: i. flood, the amount payable under this Ingress/Egress Coverage is included within, and not in addition to, the applicable Flood Limit of Insurance. ii. earthquake, the amount payable under this Ingress/Egress Coverage is included within, and not in addition to, the applicable Earthquake Limit of Insurance. E. Electronic Vandalism Coverage — Property Damage and Time Element Combined 1. The Insurer will pay for loss of or damage to media, electronic data processing equipment, research and development project property and records of accounts receivable caused by or resulting from electronic vandalism originating anywhere in the world. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 2. To the extent time element coverage is applicable, the Insurer will also pay, as provided, for: a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay in operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, directly caused by electronic vandalism. 3. The Insurer will not pay for electronic vandalism loss caused by or resulting from any deliberate, dishonest, fraudulent or criminal acts committed by or on behalf of, or at the direction of, any executive officer. 4. The most the Insurer will pay for all loss, damage or expense combined under this ADDITONAL COVERAGE in the policy period is the Electronic Vandalism Coverage — Property Damage and Time Element Combined Aggregate Limit of Insurance. 5. The Electronic Vandalism and Dishonest Acts Excluded Perils under the EXCLUSIONS section do not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. F. Employee Theft Coverage 1. The Insurer will pay for loss of or damage to personal property, money, securities and fine arts as a direct result of employee theft. 2. The Insurer will not pay for such loss: a. caused by any employee of the Named Insured, or predecessor in interest of the Named Insured, for whom similar prior insurance was cancelled and not reinstated since the last such cancellation. b. if the proof of existence or amount is dependent upon an inventory computation or a profit and loss computation. However, where the Named Insured establishes wholly apart from such computations that it has sustained such loss or damage, then it may offer its inventory records and actual physical count of inventory in support of the amount claimed. c. resulting directly or indirectly from trading, whether in the Named Insured's name or in a genuine or fictitious account. d. resulting from fraudulent or dishonest signing, issuing, cancelling or failing to cancel, a warehouse receipt or bill of lading or any papers connected with either. 3. The most the Insurer will pay for all loss or damage under this ADDITIONAL COVERAGE for any one occurrence is the Employee Theft Coverage Limit of Insurance. 4. The Dishonest Acts Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. G. Equipment Breakdown - Spoilage Coverage 1. The Insurer will pay for direct physical loss of or damage to personal property directly caused by the loss of or changes in any artificially maintained or generated temperature, humidity or internal atmosphere resulting from an equipment breakdown peril to covered equipment at the location or reported unspecified location. 2. The most the Insurer will pay for loss or damage under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Equipment Breakdown — Spoilage Coverage Limit of Insurance. The Limit for this ADDITIONAL COVERAGE is included in, and not in addition to, of Insurance. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- FU-6N" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 3. The Adulteration or Contamination and the Temperature or Humidity Conditions Excluded Perils under the EXCLUSIONS section do not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. H. Expense to Reduce Loss — Business Income Coverage The Insurer will pay reasonable and necessary expenses incurred by the Named Insured, except the cost of extinguishing a fire, to reduce the amount of business income or research and development business income loss. The Insurer will pay such expenses to the extent that they do not exceed the amount of loss that otherwise would have been payable under the Business Income Coverage. The amount the Insurer will pay for such expenses under this ADDITIONAL COVERAGE is included within the applicable Business Income Coverage Limit of Insurance. I. Extended Indemnity Period — Business Income Coverage 1. If loss of business income is payable under this Business Property Coverage Part, the Insurer will also pay for the actual loss of business income the Named Insured sustains during the extended indemnity period. This extended indemnity period begins on the date the period of restoration ends and it terminates on the earlier of: a. the date the Named Insured's gross sales, including rental income, are restored to the amount that would have existed if no direct physical loss or damage occurred; or b. the date on which the specified number of days shown in the Business Property Schedule of Coverages and Limits have elapsed after the end of the period of restoration. 2. The amount the Insurer will pay for loss of business income under this ADDITIONAL COVERAGE is included within the applicable Business Income Coverage or Business Income and Extra Expense Coverage Limit of Insurance. 3. This Extended Indemnity Period - Business Income Coverage does not apply to loss of business income resulting from unfavorable business conditions as a result of the impact of a covered peril in the area of the affected location or reported unspecified location. 4. This Extended Indemnity Period - Business Income Coverage does not apply to any other ADDITIONAL 0 COVERAGE or the ADDITIONAL COVERAGE BASKET. N s J. Forgery or Alteration Coverage N 1. The Insurer will pay for loss sustained by the Named Insured resulting from forgery or alteration of or on N covered instruments that are made or drawn by, or drawn upon: a. the Named Insured; or b. one acting as the Named Insured's agent, or that are purported to have been so made or so drawn, by any person, acting alone or together with others. Mechanically reproduced facsimile signatures are the same as handwritten signatures. 2. The most the Insurer will pay for all loss under this ADDITIONAL COVERAGE for anyone occurrence is the Forgery or Alteration Coverage Limit of Insurance. K. Fungi, Wet Rot, Dry Rot and Microbe Coverage — Property Damage and Time Element Combined 1. The Insurer will pay the following provided fungi, wet rot, dry rot or microbes are the direct result of a covered peril, other than fire or lightning: a direct physical loss of or damage to covered property caused by fungi, wet rot, dry rot or microbes, including the cost of removing the fungi, wet rot, dry rot or microbes; CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part b. the reasonable cost to tear out and replace any part of the covered building or other property as needed to gain access to the fungi, wet rot, dry rot or microbes; and c. the cost of testing performed after removal, repair, replacement or restoration of the damaged property is completed, provided there is reason to believe that fungi, wet rot, dry rot or microbes are still present. 2. To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will also pay, as provided, for: a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay in operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, due to the: direct physical loss of or damage to covered property caused by fungi, wet rot, dry rot or microbes that are the result of a covered peril, other than fire or lightning; or ii. prolonged period of restoration due to the remediation of fungi, wet rot, dry rot or microbes from a covered loss. 3. The most the Insurer will pay under this ADDITIONAL COVERAGE for all loss, damage, cost or expense combined in the policy period is the Fungi, Wet Rot, Dry Rot and Microbe Coverage — Property Damage and Time Element Combined Aggregate Limit of Insurance. This Limit is the most the Insurer will pay, even if the fungi, wet rot, dry rot or microbes continue to be present or active or recur in a later policy period. 4. The Fungi, Wet Rot, Dry Rot and Microbes Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. L. Loss Adjustment Expense Coverage The Insurer will pay for reasonable and necessary expenses incurred by the Named Insured in preparing claim data when required by the Insurer, including the cost of taking inventories, obtaining appraisals and preparing other documentation, to determine the extent of covered loss or damage. 2. The Insurer will not pay for any fees, costs or expenses incurred, directed or billed by, or payable to attorneys, public adjusters, loss adjusters, loss consultants, insurance brokers or agents or their associates or subsidiaries, or any costs as described in the APPRAISAL Condition of the First Party Terms and Conditions. The most the Insurer will pay for all expenses incurred under this ADDITIONAL COVERAGE for any one occurrence is the Loss Adjustment Expense Coverage Limit of Insurance. M. Money and Securities Coverage The Insurer will pay for loss sustained by the Named Insured as a direct result of the actual destruction, disappearance or theft of money and securities: a. at a location, reported unspecified location or the premises of a bank or savings institution; or b. away from: i. a location; ii. a reported unspecified location; or iii. the premises of a bank or savings institution, while in the care and custody of a messenger or an armored motor vehicle cor CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDivisiun cREVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 2. The most the Insurer will pay for all loss under this ADDITIONAL COVERAGE for anyone occurrence is the Money and Securities Coverage Limit of Insurance. 3. The Insurer will not pay any loss or damage sustained by the Named Insured caused by or resulting from: a. accounting or arithmetical errors or omissions; b. dishonest or criminal acts by the Named Insured, executive officers, employees, authorized representatives or anyone else to whom money or securities have been entrusted, other than an armored motor vehicle company: L acting alone or in collusion with others; or ii. whether or not occurring during the hours of employment; c. giving or surrendering of the property in any exchange or purchase; d. voluntary parting with money or securities by the Named Insured or anyone else to whom it has entrusted such property if induced to do so by any fraudulent scheme, trick, device or false pretense; e. transfer or surrender of money or securities on the basis of unauthorized instructions, to a person or place outside: i. a location; ii. a reported unspecified location; or iii. the premises of a banking or savings institution; or f. transactions involving any automated teller machine unless recorded by a continuous recording instrument in such machine. 4. The only Excluded Perils under the EXCLUSIONS section that apply to this ADDITIONAL COVERAGE are Biological or Chemical Material, Governmental Action, Nuclear Hazard and War and Military Action. N. Newly Acquired Locations and Property Coverage 1. Newly Acquired or Constructed Real Property a. The Insurer will pay for direct physical loss of or damage to real property, including new buildings while being built: 0 i. at a newly acquired location; or 0 ii. at a location or reported unspecified location, if coverage is not currently shown for real property at that location on the Business Property Schedule of Locations or for reported unspecified locations, directly caused by a covered peril. b. The most the Insurer will pay for all loss or damage under this Newly Acquired or Constructed Real Property coverage for any one occurrence is the Newly Acquired or Constructed Real Property Limit of Insurance. 2. Newly Acquired — Other Property a. The Insurer will pay for direct physical loss of or damage: i. to personal property, fine arts, media and records of accounts receivable at a newly acquired location; and ii. to personal property if coverage is not currently shown for personal property at that location on the Business Property Schedule of Locations or for reported unspecified locations, directly caused by a covered peril. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDi isfan cREVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part b. The most the Insurer will pay for all loss or damage under this Newly Acquired Property — Other Property coverage for any one occurrence is the Newly Acquired — Other Property Limit of Insurance. c. The coverage provided under this ADDITIONAL COVERAGE for fine arts, records of accounts receivable and media is subject to the provisions of the Fine Arts Coverage, Accounts Receivable Coverage and Restoration of Media Coverage, respectively, under the ADDITIONAL BASKET COVERAGE section except the requirement that such property be at a location or reported unspecified location. 3. Newly Acquired Location — Time Element a. To the extent time element coverage is applicable on the Business Property Coverage Part, the Insurer will pay, as provided, for: i. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay in operations; ii. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and iii. extra expense, caused by loss or damage to property at a newly acquired location directly caused by a covered peril. b. The most the Insurer will pay for all loss or expense under Newly Acquired Location — Time Element coverage for any one occurrence is the Newly Acquired Location — Time Element Limit of Insurance. 4. This Newly Acquired Locations and Property Coverage expires on the date when any of the following first occurs: a. the Policy expires or is cancelled; b. the number of consecutive days shown on the Business Property Schedule of Coverages and Limits has passed from the date: i. the premises becomes a newly acquired location; ii. the Named Insured acquires such property at a location or reported unspecified location; or iii. construction begins on new buildings; or c. the Named Insured reports values to the Insurer. 5. The Insurer will charge the Named Insured additional premium for values reported from the date the premises becomes a newly acquired location, the Named Insured acquires such property or the construction begins on new buildings. O. Ordinance or Law Coverage If at the time of direct physical loss of or damage to insured property directly caused by a covered peril there is an ordinance or law in effect regulating the construction, zoning, repair or land use of such insured property and, as a result of such covered loss or damage, such ordinance or law requires code compliance in the repair or replacement of such insured property, the following coverages apply: 1. Undamaged Insured Property The Insurer will pay for the amount equal to the value of the undamaged portion of such insured property that must be demolished in accordance with such ordinance or law. The amount the Insurer will pay for all loss or damage under this Undamaged Insured Property coverage is included within the applicable Real Property Coverage or Personal Property Coverage Limit of Insurance. CNA62648XX 10-15 Copyright CNA All Rights Reserved. ,a Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- ru4w'L� 11. Yj&4441 Risk Management Analyst N 0 0 0 0 0 0 CNA CNA PARAMOUNT Business Property Coverage Part 2. Demolition and Repair Cost The Insurer will pay for: a. the cost of demolishing and removing the undamaged portion of the damaged insured property required to be demolished because of such ordinance or law, including the cost of clearing the site; and b. the increased cost of repair or reconstruction of such insured property on the same site or another site because of such ordinance or law. If the Named Insured elects to do such repair or reconstruction at another site, such costs are limited to the costs that would have been incurred in order to comply with the minimum requirements of such ordinance or law regulating the repair or reconstruction of such insured property on the same site. The amount the Insurer will pay for all loss or damage under this Demolition and Repair Cost coverage is included within the applicable Real Property Coverage or Personal Property Coverage Limit of Insurance unless a separate Demolition and Repair Cost Limit of Insurance is shown. If a separate Limit is shown, then the most the Insurer will pay under this Demolition and Repair Cost coverage at any one location or reported unspecified location for any one occurrence is the Demolition and Repair Cost Limit of Insurance. 3. Increased Period of Restoration To the extent Business Income Coverage or Business Income and Extra Expense Coverage is applicable at that location or reported unspecified location, the period of restoration includes any increased period of time that results from the enforcement of an ordinance or law that requires the Named Insured to repair or reconstruct the property or tear down undamaged portions of the property to meet the minimum requirements of the ordinance or law in force at the time of loss or damage. The amount the Insurer will pay under this Increased Period of Restoration coverage is included in the applicable Business Income Coverage or Business Income and Extra Expense Coverage Limit of Insurance. 4. The Insurer will not pay for any: a. additional costs incurred if the damaged insured property is not repaired or reconstructed as soon as reasonably possible; b. increased period of restoration if the Named Insured does not resume operations with reasonable speed; c. costs attributable to any ordinance or law that the Named Insured was required to comply with before the loss or damage; or d. increase in costs or increased period of restoration required due to the enforcement of any ordinance or law that requires the Named Insured or others to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, demolish, repair, replace or in any way respond to or assess the effects of contaminants or pollutants or the presence, growth, proliferation, spread or any activity of fungi, wet rot, dry rot or microbes, except to the extent the Contaminants or Pollutant Clean Up and Removal Coverage or the Fungi, Wet Rot, Dry Rot and Microbe Coverage — Property Damage and Time Element Combined of the ADDITIONAL COVERAGES section applies. 5. The Governmental Action Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this Ordinance or Law Coverage. P. Pair or Set Coverage 1. The Insurer will pay an amount equal to the reduction in value of undamaged personal property that is part of a pair or set that becomes unmarketable as a pair or set because of direct physical loss of or damage to the other part of such personal property directly caused by a covered peril. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �ortaN of � RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY. - rR6iA.G+�+Z �. V Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 2. The amount the Insurer will pay for such reduction in value under this ADDITIONAL COVERAGE is included within the applicable Personal Property Coverage Limit of Insurance. Q. Protection of Property Coverage 1. Removal of Insured Property a. If it is necessary to move insured property from the location or reported unspecified location to protect it from actual or imminent direct physical loss or damage caused by a covered peril, the Insurer will pay for: i. any loss of or damage to that insured property while it is being moved from, or returned to, the location or reported unspecified location, or while temporarily stored at another premises for up to the Number of Days shown in the Business Property Schedule of Coverages and Limits; and ii. the reasonable cost to remove the insured property from the location or reported unspecified location and the cost to move the insured property back. b. The amount the Insurer will pay for all loss, damage or cost under this Removal of Insured Property coverage is included within, and not in addition to, the applicable Real Property Coverage or Personal Property Coverage Limit of Insurance. 2. Preservation of Insured Property If it is necessary to protect insured property at the location or reported unspecified location from imminent direct physical loss or damage by a covered peril, the Insurer will pay reasonable and necessary costs the Named Insured incurs to protect such insured property from such imminent loss or damage while at such location or reported unspecified location. b. The most the Insurer will pay for all costs under this Preservation of Insured Property coverage for any one occurrence is the Protection of Property Coverage Preservation of Insured Property Limit of Insurance, subject to a $1,000 each occurrence deductible. No other deductible applies to this Preservation of Insured Property Coverage. R. Reported Unspecified Locations 1. Real Property Coverage and Personal Property Coverage The Insurer will pay for direct physical loss of or damage to insured property at a reported unspecified location directly caused by a covered peril. The most the Insurer will pay for such loss or damage to real property at any one reported unspecified location for any one occurrence is the applicable Reported Unspecified Locations Real Property Limit of Insurance. The most the Insurer will pay for such loss or damage to personal property at any one reported unspecified location for any one occurrence is the applicable Reported Unspecified Location Personal Property Limit of Insurance. 2. Business Income Coverage The Insurer will pay for the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations caused by direct physical loss of or damage to property at a reported unspecified location directly caused by a covered peril. The most the Insurer will pay for such loss of business income at any one reported unspecified location for any one occurrence is the Reported Unspecified Locations Business Income Limit of Insurance. 3. Extra Expense Coverage The Insurer will pay extra expense caused by direct physical loss of or damage unspecified location directly caused by a covered peril. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN Risk MmRgemerdDivisiun cREVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part The most the Insurer will pay for such extra expense at any one reported unspecified location for any one occurrence is the Reported Unspecified Locations Extra Expense Limit of Insurance. S. Research and Development Coverage 1. Research and Development Project Property The Insurer will pay for: a. direct physical loss of or damage to research and development project property while at a location or reported unspecified location directly caused by a covered peril; and b. reasonable and necessary additional expenses the Named Insured incurs to minimize direct physical loss of or damage to research and development project property, but only to the extent the loss of or damage to research and development project property is reduced by such additional expenses. The most the Insurer will pay for research and development project property under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Research and Development Coverage Research and Development Project Property Limit of Insurance. 2. Research and Development Business Income To the extent that Business Income Coverage or Business Income and Extra Expense Coverage is applicable at that location or reported unspecified location, the Insurer will also pay, as provided, for the loss of research and development business income that the Named Insured sustains during the period of restoration due to the necessary suspension or delay of the Named Insured's research and development projects in process caused by direct physical loss of or damage to property at a location or reported unspecified location. The loss or damage must be directly caused by a covered peril. The amount the Insurer will pay for research and development business income under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is included within, and not in addition to, the applicable Business Income Coverage or Business Income and Extra Expense Coverage Limit of Insurance unless a separate Research and Development Business Income Limit of Insurance is shown. If a separate Limit is shown, then the most the Insurer will pay under this Research and Development Business Income coverage at any one location or reported unspecified location for any one occurrence is the Research and Development Business Income Limit of Insurance. N T. Theft Damage to Non Owned Building Coverage 0 0 1. The Insurer will pay for direct physical loss of or damage to buildings at a location or reported unspecified 0 location in which the Named Insured is a tenant and does not own the building, caused directly by theft, robbery or burglary, provided the Named Insured is obligated by the written lease in effect at the time of loss or damage to pay for such loss or damage. 2. The amount the Insurer will pay for all loss or damage under this ADDITIONAL COVERAGE is included within the applicable Personal Property Coverage Limit of Insurance. 3. This ADDITIONAL COVERAGE does not apply to theft that occurs after fire or explosion. U. Trees, Shrubs, Plants or Lawns Coverage The Insurer will pay for direct physical loss of or damage to outdoor trees, shrubs, plants or lawns, including the expense to remove debris of outdoor trees, shrubs, plants or lawns, at a location or reported unspecified location directly caused by: a. fire; b. lightning; c. explosion; CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- FU-6N" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part d. riot or civil commotion; e. vehicles; or f. aircraft. 2. The most the Insurer will pay for all loss or damage under this ADDITIONAL COVERAGE at any one location or reported unspecified location for any one occurrence is the Trees, Shrubs, Plants or Lawns Coverage Each Location Limit. Subject to this Each Location Limit, the most the Insurer will pay for any one tree, shrub, plant or lawn is the Trees, Shrubs, Plants or Lawns Coverage Each Item Limit of Insurance. V. Unintentional Errors or Omissions Coverage 1. The Insurer will pay for direct physical loss of or damage to covered property from a covered peril that is not otherwise payable under this Business Property Coverage Part solely as a result of: a. an unintentional error or omission by the Named Insured: L in the description or address of any insured property; or ii. the inadvertent deletion of a location or reported unspecified location under the Policy; or b. any unintentional failure by the Named Insured to include any premises owned or occupied by the Named Insured at the inception date of the Policy. 2. To the extent time element coverage is applicable, the Insurer will also pay, as provided, for: a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay in operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and c. extra expense, caused by loss of or damage to property from a covered peril that is not otherwise payable under this Business Property Coverage Part solely as a result of: L an unintentional error or omission by the Named Insured: (1) in the description or address of any insured property; or (2) the inadvertent deletion of a location or reported unspecified location under the Policy; or ii. any unintentional failure by the Named Insured to include any premises owned or occupied by the Named Insured at the inception date of the Policy. 2. The most the Insurer will pay for all loss, damage, cost or expense combined under this ADDITIONAL COVERAGE for any one occurrence is the Unintentional Errors or Omissions Coverage Limit of Insurance. 3. There is no coverage for any unintentional error or unintentional omission in the reporting of values or the coverage requested. It is a condition of this coverage that such unintentional error or omission be reported and corrected when discovered. The Named Insured's premium will be adjusted accordingly to reflect the date the premises should have been added had no error or omission occurred. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �ortaN i ql RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY.- rR6vL.G+A+¢ PZ. V Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part W. Utility Supply Failure Coverage 1. Property Damage The Insurer will pay for direct physical loss of or damage to covered property at a location or reported unspecified location where such loss or damage is caused by the necessary suspension, interruption or reduction of: a. communication services, including internet access; or b. power supply, fuel services or water services, at that location or reported unspecified location. Such suspension, interruption or reduction must be the result of a covered peril that causes or results in direct physical loss of or damage to such utility service provider's property, including overhead transmission or distribution lines, used to provide the location or reported unspecified location with such services, provided such property is not at a location or reported unspecified location. The most the Insurer will pay for all such loss or damage to covered property under this ADDITIONAL COVERAGE for any one occurrence is the Utility Supply Failure Coverage — Property Damage Limit of Insurance. 2. Time Element To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will pay, as provided, for: the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of the research and development projects; and c. extra expense, caused by loss of or damage to a utility service provider's property that is located away from a location or reported unspecified location and that property is used to provide internet, communication, power supply, fuel services or water services to such location or reported unspecified location. The loss or damage must be directly caused by a covered peril. 0 The most the Insurer will pay for all such loss or expense under this ADDITIONAL COVERAGE for any one 0 occurrence is the Utility Supply Failure Coverage — Time Element Limit of Insurance. If a Deductible or Qualifying Period is shown on the Business Property Schedule of Locations for Utility Supply Failure Coverage — Time Element Coverage, then the following replaces the Deductible and Qualifying Periods provision of the LIMITS OF INSURANCE/INDEMNITY PERIOD/DEDUCTIBLE/QUALIFYING PERIOD section for the Utility Supply Failure Coverage — Time Element Coverage: The Insurer will not pay for any loss of business income or research and development business income or extra expense incurred for any one occurrence until the amount of loss or expense incurred exceeds the applicable Deductible or until the length of the suspension or delay of operations exceeds the applicable Qualifying Period shown in the Business Property Schedule of Locations. If a Deductible applies, then the Insurer will pay the amount of actual business income or research and development business income loss or extra expense incurred in excess of the applicable Deductible, up to the applicable Limits of Insurance. If a qualifying period applies and the qualifying period is exceeded, then the I loss and expense, calculated as of the time of such suspension or delay in op CNA62648XX 10-15 Copyright CNA All Rights Reserved. r Risk MmagmerdDiMisian REVIEWED & APPROVED BY.- �I pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part applicable Property Deductible shown in the Business Property Schedule of Locations, unless a more specific time element coverage deductible is shown. 3. However, to the extent the covered Utility Supply Failure loss, damage or expense is caused by or resulting from covered: L flood, the total amount payable for all loss, damage or expense under this ADDITIONAL COVERAGE is included within, and not in addition to, the applicable Flood Limit of Insurance. earthquake, the total amount payable for all loss, damage or expense under this ADDITIONAL COVERAGE is included within, and not in addition to, the applicable Earthquake Limit of Insurance. 4. This ADDITIONAL COVERAGE does not apply to loss, damage or expense caused by physical loss of or damage to satellites or any other orbiting equipment. 5. The Utility Services Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this ADDITIONAL COVERAGE. IV. ADDITIONAL COVERAGE BASKET The following coverages are part of the ADDITIONAL COVERAGE BASKET. At the time of loss or damage, the Named Insured may elect to apportion the Limit of Insurance to one or any combination of the coverages included in this ADDITIONAL COVERAGE BASKET. However, the most the Insurer will pay at any one location or reported unscheduled location for any one occurrence for the total of all loss or damage from the coverages included in this ADDITIONAL COVERAGE BASKET is the Limit of Insurance as shown in the Business Property Schedule of Coverages and Limits. If a different ADDITIONAL COVERAGE BASKET Limit of Insurance is shown at a location in the Business Property Schedule of Locations, that Limit replaces, and is not in addition to, the ADDITIONAL COVERAGE BASKET Limit of Insurance shown in the Business Property Schedule of Coverages and Limits for that location. If the ADDITIONAL COVERAGE BASKET does not apply at a specific location, the ADDITIONAL COVERAGE BASKET will show as Not Covered for that location. A. Accounts Receivable Coverage 1. The Insurer will pay for direct physical loss of or damage to records of accounts receivable at a location or reported unspecified location directly caused by a covered peril. 2. This Accounts Receivable Coverage does not apply with respect to any claim for loss, damage, cost or expense that requires any audit of any records or inventory computation to prove its factual existence. The Contaminants or Pollutants, Temperature or Humidity Conditions and Utility Services Excluded Perils under the EXCLUSIONS section do not apply with respect to Accounts Receivable Coverage. B. Fine Arts Coverage 1. The Insurer will pay for direct physical loss of or damage to fine arts at a location or reported unspecified location directly caused by a covered peril. 2. Subject to the ADDITIONAL COVERAGE BASKET Limit of Insurance, the most the Insurer will pay for any one item for any one occurrence under this Fine Arts Coverage is $100,000. 3. The Contaminants or Pollutants and the Utility Services Excluded Perils under the EXCLUSIONS section do not apply with respect to Fine Arts Coverage. C. Fire Department Service Charge Coverage The Insurer will pay for the Named Insured's liability for the following fire department service charges if incurred to save or protect covered property at a location or reported unspecified location from a covered peril: 1. charges assumed by written contract or written agreement prior to loss; or 2. charges required by local ordinance. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN I Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- pu-cN" 1Z. Y1•.t.tA44a Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part No deductible applies to this Fire Department Service Charge Coverage. D. Lessee Leasehold Interest Coverage When the Named Insured's written lease is cancelled by the lessor in accordance with a valid condition of that lease and such cancellation is due to direct physical loss of or damage to property at a location or reported unspecified location directly caused by a covered peril, the Insurer will pay for the loss of: 1. the value of the Named Insured's leasehold interest in the unamortized portion of payments made by the Named Insured for the undamaged portion of the tenant's improvements and betterments; 2. monthly leasehold interest of the bonus payment or prepaid rent; 3. sublease profit; 4. equipment data processing equipment leasehold values; and 5. net leasehold interest of tenant's lease interest. E. Lost Key Replacement Coverage The Insurer will pay for the reasonable and necessary cost of: 1. replacing the master key and individual lock keys, including the cost to program the new locks if keys to that location or reported unspecified location are stolen; or 2. entry lock repair or replacement, including the cost to rekey or reprogram locks, made necessary by theft or attempted theft at that location or reported unspecified location. F. Non Owned Detached Trailers Coverage The Insurer will pay for direct physical loss of or damage to trailers that the Named Insured does not own at a location or reported unspecified location directly caused by a covered peril, provided that: 1. the trailer is used in the Named Insured's business; 2. the trailer is in the Named Insured's care, custody or control; and 3. the Named Insured is obligated by a written contract in effect at the time of loss or damage to pay for such loss or damage to that trailer. The Insurer will not pay for any loss or damage that occurs: 0 a. while the trailer is attached to any motor vehicle or motorized conveyance, whether or not the motor vehicle 0 or motorized conveyance is in motion; 0 b. during hitching or unhitching operations; or c. when a trailer becomes accidentally unhitched from a motor vehicle or motorized conveyance. G. Recharge of Fire Protection Equipment Coverage The Insurer will pay expenses the Named Insured incurs to recharge automatic fire protection equipment due to the leakage or discharge of the fire suppressant within the automatic fire protection equipment. The insurance provided under this coverage applies regardless of how the discharge or leakage is caused. However, if the leakage or discharge is caused by or results from covered loss or damage, no deductible applies. H. Restoration of Media Coverage 1. The Insurer will pay for the direct physical loss of or damage to media at a location or reported unspecified location directly caused by a covered peril. 2. The Contaminants or Pollutants, Temperature or Humidity Conditions and I Perils under the EXCLUSIONS section do not apply with respect to this Restoratio CNA62648XX 10-15 Copyright CNA All Rights Reserved. Jtility Services Excluded N ,=a RiskMmVmadDivisian �� � REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part I. Reward Payments Coverage In the event of direct physical loss of or damage to insured property caused by arson, theft or vandalism, the Insurer will reimburse the Named Insured for amounts it pays for information leading to the conviction of any persons responsible for such arson, theft or vandalism. The reward payments must be documented. However, there is no coverage for a reward payment made to the Named Insured or executive officers. No deductible applies to this Reward Payments Coverage. V. EXCLUSIONS The Excluded Perils shown in Paragraphs A. B. C. and D. below apply to all LOCATION COVERAGES, OFF -SITE COVERAGES, ADDITIONAL COVERAGES and ADDITIONAL COVERAGE BASKET coverages under the coverage part unless otherwise stated. A. Excluded Perils Subject to Concurrent Causation Provisions With respect to the excluded perils below, the Insurer will not pay for loss of or damage to property directly or indirectly caused by or resulting from the following causes of loss or events: Biological or Chemical Materials; Earth Movement; Electronic Vandalism; Flood; Fungi, Wet Rot, Dry Rot and Microbes; Governmental Action; Nuclear Hazard; Utility Services; and War and Military Action, regardless of: the causes of such excluded causes or events; other causes of such loss; any other cause or event, whether or not insured under the coverage part, which may have contributed concurrently, or in any sequence, to produce such loss even if such other cause or event would otherwise be covered; and whether the event occurred suddenly or gradually, involved isolated or widespread damage, arose from natural or external sources or acts or omissions, or occurred as a result of any combination of any such causes or events. 1. Biological or Chemical Materials The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from the actual or threatened discharge, dispersal, seepage, migration, release, escape or application of any pathogenic or poisonous biological or chemical materials. 2. Earth Movement The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from earth movement. However, if earth movement results in fire, explosion or theft, the Insurer will pay for that portion of the loss which was solely caused by such fire, explosion or theft. 3. Electronic Vandalism The Insurer will not pay for loss or damage caused by or resulting from electronic vandalism. 4. Flood The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from flood. However, if flood results in fire, explosion, sprinkler leakage or theft, the Insurer will pay for that portion of the loss which was solely caused by such fire, explosion, sprinkler leakage or theft. 5. Fungi, Wet Rot, Dry Rot and Microbes The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from the presence, growth, proliferation, spread or any activity of fungi, wet or dry rot, or microbes. However, this exclusion does not apply when fungi, wet or dry rot, or microbes results from fire or lightning. 6. Governmental Action The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from seizure, destruction, demolition, expropriation, condemnation, confiscation or nationalization of property by, on behalf of or at the direction of any governmental authority. CNA62648XX 10-15 Copyright CNA All Rights Reserved. ,a Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- ru4w'L� 11. Yi&4441 Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part However, this exclusion does not apply to seizure or acts of destruction ordered by governmental or military authority and taken at the time of a fire to prevent its spread. 7. Nuclear Hazard The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from nuclear reaction or radiation, or radioactive contamination, however caused. However, if nuclear reaction or radiation, or radioactive contamination results in fire, the Insurer will pay for that portion of the loss which was solely caused by such fire. 8. Utility Services The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from the failure (including lack of sufficient capacity and reduction in supply) of power, fuel, sewage treatment, internet or other communication service, or any other utility service supplied to a covered premises, if the failure occurs away from the premises. However, if such failure results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. This exclusion does not apply to electronic data processing equipment. 9. War and Military Action The Insurer will not pay for loss or damage caused directly or indirectly by or resulting from: a. war (whether declared or undeclared); civil war or warlike action by a military force; or b. insurrection, rebellion, revolution, military or usurped power by governmental or military personnel. B. Other Excluded Perils 1. Adulteration or Contamination The Insurer will not pay for loss or damage caused by or resulting from adulteration or contamination to stock which causes the stock to become diminished in value or use, including but not limited to diminished value or use due to change in color, finish, flavor, size or texture. This exclusion applies unless the adulteration or contamination is itself caused by a specified peril, other than the equipment breakdown peril. However, if the adulteration or contamination to stock results in a covered peril, the Insurer will pay for that N portion of the loss or damage solely caused by such covered peril. N r 2. Alteration, Falsification, Concealment or Destruction N O The Insurer will not pay for loss or damage caused by or resulting from alteration, falsification, concealment or destruction of records of accounts receivable or media done to conceal the wrongful giving, taking or withholding of money, securities or other property. 3. Bookkeeping, Accounting or Billing Errors or Omissions The Insurer will not pay for loss of or damage to media or records of accounts receivable caused by or resulting from bookkeeping, accounting or billing errors or omissions. 4. Collective Activities The Insurer will not pay for loss of business income or research and development business income caused by or resulting from delay in rebuilding, repairing or replacing property or resuming operations due to strikes, boycotts, picketing, lockouts or other such collective activities. 5. Contaminants or Pollutants The Insurer will not pay for loss or damage caused by or resulting from discharge, dispersal, seepage, migration, release or escape of contaminants or pollutants. This exclusion app oRaN Risk MmRgzmerdDivision REVIEWED & APPROVED BY.- CNA62648XX 10-15 Copyright CNA All Rights Reserved. Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part dispersal, seepage, migration, release or escape of contaminants or pollutants is itself caused by a specified peril. However, if the discharge, dispersal, seepage, migration, release or escape of contaminants or pollutants results in a specified peril, the Insurer will pay for that portion of the loss or damage solely caused by such specified peril. This exclusion does not apply: a. to damage to glass caused by chemicals applied to the glass; or b. to electronic data processing equipment. 6. Delay, Loss of Use or Loss of Market The Insurer will not pay for loss or damage caused by or resulting from delay, loss of use or loss of market. 7. Dishonest or Criminal Acts The Insurer will not pay for loss or damage caused by or resulting from any dishonest, fraudulent or criminal acts committed alone or in collusion with others by the Named Insured, executive officers, the Named Insured's employees (including leased or temporary employees) or authorized representatives or anyone to whom the Named Insured entrusts the property for any purpose, regardless of whether or not such activity takes place during hours of operation. This exclusion does not apply to: a. acts of destruction by an employee (including leased or temporary employee) of the Named Insured; or b. acts committed by a carrier or other bailee for hire. 8. Errors, Defects or Failures The Insurer will not pay for any: a. loss or damage, including the costs of correcting or making good, caused by or resulting from: i) an act or decision or error or omission in or faulty or defective: (1) design, specification, workmanship, repair, construction, renovation, remodeling, grading or compaction of; (2) processing of, manufacturing of or materials used in; (3) planning, zoning, development surveying or siting; or (4) materials used in repair, construction, renovation or remodeling of; or ii) insufficient maintenance or servicing, or the failure to maintain or service, any part, or all, of the property on or off a premises. b. loss or damage caused by or resulting from the misalignment, miscalibration, operation of any safety device or going off-line or any condition which can be corrected by resetting, tightening, adjusting, cleaning or performing maintenance on property. However, if any of these Excluded Perils results in a covered peril, the Insurer will pay for that loss or damage solely caused by such covered peril. 9. Finished Stock or Merchandise The Insurer will not pay for loss of business income or research and development business income caused by or resulting from: a. loss or damage to finished stock or to merchandise which has been sold but b. the time required to reproduce finished stock or replace merchandise. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN 3z �I Risk MmRgemerdDiAsfan REVIEWED & APPROVED BY.- cc �} . V4' qqA �� � rL.(tit+Z 1Z Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 10. Inherent Vice/Latent Defect The Insurer will not pay for loss or damage caused by or resulting from: a. wear and tear; b. rust or other corrosion or decay; c. gradual deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; d. nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents or other animals; f. smog; g. marring or scratching; or h. inherent vice. This exclusion applies unless one of these Excluded Perils is itself caused by a specified peril. However, if any of these Excluded Perils results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. 11. Mysterious Disappearance The Insurer will not pay for loss or damage caused by or resulting from disappearance of property or shortage of property disclosed on taking inventory, where there is no physical evidence to show what happened to the property. However, if such disappearance or shortage results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. This exclusion does not apply to property in the custody of carriers or other bailees for hire. 12. Precipitation The Insurer will not pay for loss or damage caused by or resulting from hail, ice, rain, sleet or snow to personal property in the open, other than property in the custody of carriers for hire. 0 13. Pressure or Electrical Testing 0 The Insurer will not pay for loss of or damage to machinery or equipment while undergoing electrical or 0 pressure testing. 0 However, if such testing results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. 14. Programming Errors or Defects The Insurer will not pay for loss of or damage to electronic data processing equipment, media or records of accounts receivable caused by or resulting from: a. programming errors or faulty instructions to a machine; or b. other errors or omissions in processing or copying. However, if such errors, omissions or faulty instructions result in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. 15. Repair, Restoration or Retouching The Insurer will not pay for loss of or damage to fine arts caused by or resulting from any repairing, restoration or retouching process. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 16. Settling and Cracking The Insurer will not pay for loss or damage caused by or resulting from naturally occurring or man-made bulging, cracking, expansion, shrinkage or settling of land, paved or concrete surfaces, foundations, pools or buildings, including soil or fill adjacent to such property. This exclusion applies unless the bulging, cracking, expansion, shrinkage or settling is itself caused by a specified peril. However, if such bulging, cracking, expansion, shrinkage or settling results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. 17. Suspended Equipment The Insurer will not pay for loss or damage caused by or resulting from an equipment breakdown peril to suspended equipment. However, if such Excluded Peril results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. 18. Suspension, Lapse or Cancellation The Insurer will not pay for any: a. loss of business income or extra expense caused by or resulting from suspension, lapse or cancellation of any license, lease or contract unless: i. such suspension, lapse or cancellation is directly caused by the actual suspension or delay in operations; ii. the loss of business income is sustained during the period of restoration or extended indemnity period; and iii. the extra expense is incurred during the period of restoration. b. loss of research and development business income caused by or resulting from suspension, lapse or cancellation of any license, lease or contract unless: i. such suspension, lapse or cancellation is directly caused by the actual suspension or delay of the Named Insured's research and development projects in process; and ii. the loss of research and development business income is sustained during the period of restoration. 19. Temperature or Humidity Conditions The Insurer will not pay for loss of or damage to personal property caused by or resulting from the loss of or change in temperature, humidity or atmosphere, whether inside or outside of a building and whether or not artificially maintained or generated. This exclusion applies unless such change in temperature, humidity or atmosphere is itself caused by a specified peril, other than an equipment breakdown peril. However, if such loss of or change in temperature, humidity or atmosphere results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. This exclusion does not apply to electronic data processing hardware. C. Limitations 1. Trees, Shrubs, Plants or Lawns The Insurer will not pay for loss of business income or research and development business income caused by or resulting from loss of or damage to outdoor trees, shrubs, plants or lawns unless such loss or damage is directly caused by fire, lightning, explosion, riot or civil commotion, vehicles or aircraft. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �ortaN i� of RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY.- PZ. VI qq4'A �� � rR6iA.G+A+Z Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 2. Vegetated Roofs The Insurer will not pay for loss of or damage to trees, shrubs, plants, grass, lawns or other landscaping materials which are part of a vegetated roof caused by or resulting from: a. dampness or dryness of atmosphere or soil supporting the vegetation; b. changes in or extremes of temperature; c. disease; or d. frost, hail, rain, snow, ice or sleet. D. Excluded Fees, Costs and Expenses 1. Excavation, Grading or Filling Costs The Insurer will not pay fees, costs or expenses for: a. excavations, grading, backfilling or filling, unless such cost is necessarily incurred to investigate, repair or replace insured property below the surface of the ground; or b. filling sinkholes. 2. Volcanic Eruption The Insurer will not pay fees, costs or expenses to remove ash, dust or particulate matter, following a volcanic eruption that does not cause loss of or damage to covered property. VI. LIMITS OF INSURANCE / INDEMNITY PERIOD / DEDUCTIBLE / QUALIFYING PERIOD A. Limits of Insurance The Limits of Insurance applicable to each coverage agreement are shown in the Business Property Schedule of Coverages and Limits or the Business Property Schedule of Locations. B. Special Limits The Limit of Insurance applicable for any one occurrence for loss or damage due to theft is $10,000 for: 1. furs, fur garments and garments trimmed with fur; 2. jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones; and 3. bullion, gold, silver, platinum and other precious alloys or metals. This Limit is included within, and not in addition to, the applicable Personal Property Coverage Limit of Insurance. C. Maximum Period of Indemnity If the Business Property Schedule of Locations displays a Maximum Period of Indemnity, the most the Insurer will pay for loss of business income is the lesser of: 1. the amount of covered business income during the 120 consecutive days immediately following the beginning of the period of restoration; or 2. the applicable Business Income Coverage Limit of Insurance shown in the Business Property Schedule of Locations. D. Monthly Limit of Indemnity If the Business Property Schedule of Locations displays a Monthly Limit of Indemnity fraction, the most the Insurer will pay for loss of business income in any one period of 30 consecutive days after the beginning of the period of restoration is: CNA62648XX 10-15 Copyright CNA All Rights Reserved. �oRaN RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part 1. the Limit of Insurance, multiplied by 2. the Monthly Limit of Indemnity fraction shown in the Business Property Schedule of Locations for Monthly Limit of Indemnity. E. Inflation Guard If the Business Property Schedule of Locations displays an inflation guard percentage, the Limit of Insurance for insured property will automatically increase as follows: 1. the applicable Limit of Insurance; multiplied by 2. the Inflation Guard percentage shown on the Business Property Schedule of Locations; multiplied by 3. the number of consecutive days since the beginning of the annual policy period, or the effective date of the most recent Policy change amending the Limit of Insurance, divided by 365. F. Deductibles and Qualifying Periods 1. The Insurer will not pay any amounts due under the terms and conditions of the coverage part until the amount of covered loss, damage, cost or expense for any one occurrence exceeds the Property Deductible shown in the Business Property Schedule of Locations, unless specific coverage deductibles are shown in the Business Property Schedule of Locations or an endorsement. The Insurer will then pay the amount of loss, damage, cost or expense in excess of the Deductible, up to the applicable Limits of Insurance. If a Qualifying Period is shown in the Business Property Schedule of Locations, then the qualifying period will apply to all business income and research and development business income coverages. The Insurer will not pay for any loss of business income or research and development business income for any one occurrence until the suspension or delay of operations exceeds the qualifying period. If the qualifying period is exceeded, then the Insurer will pay the amount of covered business income or research and development business income loss, calculated as of the time and date of such loss, in excess of the applicable Property Deductible shown in the Business Property Schedule of Locations, unless a more specific time element coverage deductible is shown. If Business Income and Extra Expense Coverage applies, then extra expense is subject to the deductible or qualifying period applicable to business income. 3. A covered loss occurring at unspecified locations, reported unspecified locations or other premises not shown on the Business Property Schedule of Locations will be subject to the Deductibles and Qualifying Periods applicable for the first location shown in the Business Property Schedule of Locations, unless specific coverage deductibles are shown in the Business Property Schedule of Locations or an endorsement. 4. Unless otherwise stated in the coverage part or endorsement, if more than one monetary deductible applies, the Insurer will apply each deductible separately, but the total of all deductibles applied for any one occurrence will not exceed the highest applicable monetary deductible for loss or damage to covered property plus the highest applicable monetary deductible for loss under time element coverage. 5. Loss or damage caused by earthquake, earthquake sprinkler leakage, flood, named storm and windstorm or hail may be subject to separate deductible amounts. The Business Property Schedule of Locations, or applicable endorsement, will identify the locations or reported unspecified locations subject to such deductibles and the applicable deductible amount. That Deductible will apply to all coverages that respond to that covered loss, including covered time element coverage loss. Qualifying periods do not apply to covered loss or expense from earthquake, earthquake sprinkler leakage, flood, named storm or windstorm or hail when there is a separate monetary deductible amount applicable. For purposes of calculating the deductible for those perils, the Insurer will use the applicable Limit of Insurance shown in the Business Property Schedule of Coverages and Limits, the Business Property Schedule of Location or any endorsement attached to this Policy for that specific coverage, or the actual CNA62648XX 10-15 Copyright CNA All Rights Reserved. ,a Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- ru4w'L� 11. Yi&4441 Risk Management Analyst CNA CNA PARAMOUNT Business Property Coverage Part amount of loss, damage, cost or expense for that coverage, whichever is less, towards satisfying that Deductible. With respect to earthquake, earthquake sprinkler leakage, flood, named storm and windstorm or hail deductibles, if there are two or more deductibles that are applicable from other covered perils in the same occurrence, the Insurer will apply each deductible separately. When those Deductibles are shown in the Business Property Schedule of Coverages and Limits, the Business Property Schedule of Locations or any endorsement: a. at that specific location or reported unspecified location, the total of all monetary deductible amounts applied for any one occurrence will not exceed the single highest applicable Deductible shown for that location or reported unspecified location. If more than one location or reported unspecified location is involved in the same occurrence, the Insurer will apply those Deductibles for each location and reported unspecified location separately, subject to the single highest applicable Deductible for each location and each reported unspecified location. b. on a per occurrence basis for multiple locations or reported unspecified locations, the total of all monetary deductible amounts applied for any one occurrence will not exceed the single highest applicable Deductible. CNA62648XX 10-15 Copyright CNA All Rights Reserved. �ortaN `'e'�°�zi 3 of RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY.- cc Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement It is understood and agreed as follows: SCHEDULE Coverage Limit of Insurance Accidental Marring or Scratching of Molds, Included within applicable Personal Property Limit of Insurance Dies, Patterns or Plates Coverage Administrative Error Coverage $50, 000 Each Occurrence Communication Property Coverage $10, 000 Each Unspecified Location Contaminated or Reduced Quality Stock Coverage Governmental Authority Included within the applicable Limit of Insurance Quality Standards $25, 000 Each Location Lessor's Leasehold Interest Coverage $25, 000 Each Location Precious Metals and Stones — Theft Included within applicable Limit of Insurance Processing Water Costs and Expenses $25, 000 Each Occurrence Restoration of Media Coverage Included within applicable Limit of Insurance Seized Property Coverage $25, 000 Each Occurrence $50, 000 Each Occurrence Supply Chain Disruption Coverage $5, 000 Deductible Technology Service Provider Coverage $25, 000 Each Occurrence $5, 000 Deductible Tenant Move Back Costs and Expenses $25, 000 Each Occurrence Coverage Tenant Replacement Expense Coverage $25, 000 Each Occurrence The following new coverage is added to the Fees, Costs and Expenses Coverages under the LOCATION COVERAGES section of the Business Property Coverage Part: Processing Water Costs and Expenses The Insurer will pay the costs and expenses the Named Insured incurs for the replacement and transportation of water to a location or reported unspecified location in order to continue operations due to a lack of water supply at that location or reported unspecified location. CNA62665XX (10-15) Page 1 of 11 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv i i z REVIEWED & APPROVED BY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement This coverage applies to the lack of water stored or impounded behind dams or in reservoirs at a location or reported unspecified location where the water is: 1. used as a raw material for manufacturing purposes; and 2. released from storage as a result of damage to, or destruction of, the dam, reservoir or control equipment directly caused by a covered peril. The most the Insurer will pay for loss or damage under this Fees, Costs and Expense Coverage at any one location or reported unspecified location for any one occurrence is the Processing Water Costs and Expenses limit of insurance shown in the above SCHEDULE. II. The following new coverages are added to the OFF -SITE COVERAGES section of the Business Property Coverage Part: • Communication Property at Unspecified Locations Coverage 1. The Insurer will pay for direct physical loss of or damage to communication property at unspecified locations directly caused by a covered peril. 2. The most the Insurer will pay under this off -site coverage for loss or damage at any one unspecified location for each occurrence is the Communication Property Coverage limit of insurance shown in the above SCHEDULE. 3. The Property at Unspecified Locations Coverage under the OFF -SITE COVERAGES section of the Business Property Coverage Part does not apply with respect to communication property. Supply Chain Disruption Coverage 1. To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will pay, as provided, for: a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and C. extra expense, caused by direct physical loss of or damage to property at a secondary property located anywhere in the world. The loss or damage must be directly caused by a covered peril. 2. The most the Insurer will pay under this off -site coverage for any one occurrence is the Supply Chain Disruption Coverage limit of insurance shown in the above SCHEDULE. 3. The following replaces the Deductible and Qualifying Periods provision of the LIMITS OF INSURANCE/INDEMNITY PERIOD/DEDUCTIBLE/QUALIFYING PERIOD section of the Business Property Coveraqe Part for this off -site coveraae: CNA62665XX (10-15) Page 2 of 11 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MwaganadDivision g Effectiv REVIEWED & APPROVED BY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement The Insurer will not pay for any loss of business income, loss of research and development business income or extra expense incurred for any one occurrence until the amount of loss or expense exceeds the Property Deductible shown in the Business Property Schedule of Locations, or the Supply Chain Disruption Coverage Deductible shown in the above SCHEDULE, whichever is greater. The Insurer will pay for covered loss and expense in excess of the applicable Deductible amount, up to the Supply Chain Disruption Coverage limit of insurance shown in the above SCHEDULE. 4. The Insurer will reduce the amount of the Named Insured's business income loss under this off -site coverage to the extent the Named Insured can resume the Named Insured's operations in whole or in part, by using any other available source of materials or outlets for the Named Insured's products or services. 5. The Insurer will not pay for any loss or expense under this off -site coverage caused by or resulting from Earthquake or flood, even if they are otherwise covered perils. Technology Service Provider Coverage 1. To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will pay, as provided, for: the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; or C. extra expense, caused by the loss of or damage to property at an external service provider located anywhere in the world. The loss or damage must be directly caused by a covered peril. 2. The most the Insurer will pay under this off -site coverage for any one occurrence is the Technology Service Provider Coverage limit of insurance shown in the above SCHEDULE. 3. The following replaces the Deductible and Qualifying Periods provision of the LIMITS OF INSURANCE/INDEMNITY PERIOD/DEDUCTIBLE/QUALIFYING PERIOD section of the Business Property Coverage Part for this off -site coverage: The Insurer will not pay for any loss of business income, loss of research and development business income or extra expense incurred for any one occurrence until the amount of loss or expense exceeds the Property Deductible shown in the Business Property Schedule of Locations, or the Technology Service Provider Coverage Deductible shown in the above SCHEDULE, whichever is greater. The Insurer will pay for covered loss and expense in excess of the applicable Deductible amount, up to the Technology Service Provider Coverage limit of insurance shown in the above SCHEDULE. CNA62665XX (10-15) Page 3 of 11 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MwaganadDiMiskm COMPANY Effectiv z REVIEWED & APPROVED SY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement 4. The Utility Services Excluded Peril under the EXCLUSIONS section of the Business Property Coverage Part does not apply, but only to the extent of the coverage provided under this off -site coverage. 5. The Utility Supply Failure Coverage under the ADDITIONAL COVERAGES section of the Business Property Coverage Part does not apply to the extent coverage is provided under this off -site coverage. 6. The Insurer will not pay for any loss or expense under this off -site coverage caused by or resulting from Earthquake or flood, even if they are otherwise covered perils. III. The following new coverages are added to the ADDITIONAL COVERAGES section of the Business Property Coverage Part: • Accidental Marring or Scratching of Molds, Dies, Patterns or Plates Coverage 1. The Insurer will pay for the direct loss of or damage to molds, dies, patterns or plates owned by the Named Insured or owned by others in the Named Insured's care, custody or control resulting from accidental marring or scratching while such property is at a location, reported unspecified location, in transit or at any other premises. 2. The amount the Insurer will pay for all loss or damage under this additional coverage is included within the applicable Personal Property Coverage limit of insurance shown in the Business Property Schedule of Locations. 3. The Inherent Vice/Latent Defect Excluded Peril under the EXCLUSIONS section of the Business Property Coverage Part is replaced by the following, but only to the extent of the coverage provided under this additional coverage: Inherent Vice/Latent Defect The Insurer will not pay for loss or damage caused by or resulting from: a. wear and tear; b. rust or other corrosion or decay; C. gradual deterioration, hidden or latent defect or any quality in property that causes it to damage or destroy itself; d. nesting or infestation, or discharge or release of waste products or secretions, by insects, birds, rodents or other animals; e. smog; or f. inherent vice. This exclusion applies unless one of these Excluded Perils is itself caused by a specified peril. However, if any of these Excluded Perils results in a covered peril, the Insurer will pay for that portion of the loss or damage solely caused by such covered peril. CNA62665XX (10-15) Page 4 of 11 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgementaiAsion COMPANY Effectiv o / eco,a REVIEWED & APPROVED BY: Copyright CNA All Rights Reserved. Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement Administrative Error Coverage 1. The Insurer will pay for loss of or damage to media caused by or resulting from an administrative error. 2. To the extent time element coverage is applicable, the Insurer will pay, as provided, for: the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; and C. extra expense, due to loss of or damage to media caused by or resulting from an administrative error. 3. The most the Insurer will pay for all loss, damage or expense under this additional coverage in each occurrence is the Administrative Error Coverage limit of insurance shown in the above SCHEDULE. 4. The Errors and Defects Excluded Peril under the EXCLUSIONS section of the Business Property Coverage Part does not apply, but only to the extent of the coverage provided under this additional coverage. Contaminated and Reduced Quality Stock Coverage 1. Governmental Authority a. If as a result of direct physical loss of or damage to covered property at a location or reported unspecified location caused by a covered peril undamaged stock is declared contaminated by, or on behalf of, an authorized governmental authority, the Insurer will consider such stock physically damaged from such covered peril. N O O O b. The amount the Insurer will pay for such undamaged stock under this Contaminated and Reduced Quality Stock Coverage — Governmental Authority at any one location or reported unspecified location for any one occurrence is included within the applicable Personal Property Coverage or Personal Property — Stock Only Coverage limit of insurance shown in the Business Property Schedule of Locations. C. The Governmental Action Excluded Peril under the EXCLUSIONS section of the Business Property Coverage Part does not apply, but only to the extent of the coverage provided under this Contaminated and Reduced Quality Stock Coverage — Governmental Authority. 2. Quality Standards a. If as a result of direct physical loss of or damage to covered property at a location or reported unspecified location caused by a covered peril: CNA62665XX (10-15) Po Page 5 of 11 EndorsemE Risk MwaganadDiMiskm VALLEY FORGE INSURANCE COMPANY Effectiv op ,�, r, RE�AEWED&APPROVED BY. - Insured Name: LYRASIS INC f ;" P'. VSA44a Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement undamaged stock of the Named Insured does not meet the manufacturer's written minimum quality standards in place at the time of loss or damage; or ii. undamaged stock that is personal property of others is deemed contaminated by the property owner, and such stock cannot be sold or has diminished value, the Insurer will consider such stock physically damaged from such covered peril. b. The most the Insurer will pay for such undamaged stock under this Contaminated and Reduced Quality Stock Coverage — Quality Standards at any one location or reported unspecified location for any one occurrence is the Contaminated and Reduced Quality Stock Coverage — Quality Standards limit of insurance shown in the above SCHEDULE. Lessor's Leasehold Interest Coverage If the applicable Business Income Coverage or Business Income and Extra Expense Coverage limit of insurance shown in the Business Property Schedule of Locations is exhausted during the time period shown under the Extended Indemnity Period - Business Income Coverage in the Business Property Schedule of Coverages and Limits, the Insurer will pay for the additional loss of lessor's leasehold interest sustained by the Named Insured during the extended indemnity period as a result of the tenant's cancellation of a written lease agreement due to direct physical loss of or damage to property at that location or reported unspecified location directly caused by a covered peril. 2. As used in this additional coverage, extended indemnity period begins on the date the period of restoration ends and terminates on the earlier of: the normal expiration date of the cancelled lease; or b. the date on which the specified number of days shown for Extended Indemnity Period - Business Income Coverage in the Business Property Schedule of Coverages and Limits have elapsed after the end of the of the period of restoration. 3. The most the Insurer will pay under this additional coverage at any one location or reported unspecified location in each occurrence is the Lessor's Leasehold Interest Coverage limit of insurance shown in the above SCHEDULE. Seized Property Coverage In the event that personal property is seized by, on behalf of or at the direction of a governmental authority because that personal property was purchased from a person or organization that did not hold legal title to that personal property at the time of such purchase, the Insurer will reimburse the Named Insured for the original invoice cost incurred by the Named Insured or the replacement cost for that personal property, whichever is less. 2. To the extent time element coverage is applicable, the Insurer will also pay, as provided, for: CNA62665XX (10-15) Page 6 of 11 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MwaganadDivision g Effectiv REVIEWED & APPROVED BY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement a. the actual loss of business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of operations; b. the actual loss of research and development business income the Named Insured sustains during the period of restoration due to the necessary suspension or delay of research and development projects; or C. extra expense, provided the suspension was directly caused by the seizure of such personal property as described in Paragraph 1. above. 3. This additional coverage will apply only if: a. the Named Insured, executives officers, employees (including leased or temporary employees) or authorized representatives did not know, or have reason to believe, at the time of purchase the seller did not hold legal title to that personal property; b. the personal property was shipped through a licensed importer or exporter if that personal property originated outside the United States; and C. the Insured replaces the seized personal property with similar like and kind property. 4. The most the Insurer will pay for all loss, damage or expense under this additional coverage in any one occurrence is the Seized Property Coverage limit of insurance shown in the above SCHEDULE. 5. The Governmental Action Excluded Peril under the EXCLUSIONS section of the Business Property Coverage Part does not apply, but only to the extent of the coverage provided under this additional coverage. • Tenant Move Back Costs and Expenses Coverage 1. To the extent time element coverage is applicable at that location or reported unspecified location, the Insurer will pay for reasonable and necessary tenant move back costs and expenses incurred by the Named Insured provided that: a. the vacancy occurred while such portion of the location or reported unspecified location could not be occupied by the tenant due to direct physical loss of or damage to covered property directly caused by a covered peril; and b. such tenant moves back within 60 days after the portion of the location or reported unspecified location leased by that tenant has been repaired or rebuilt and is ready for occupancy. 2. The most the Insurer will pay under this additional coverage in each occurrence is the Tenant Move Back Costs and Expenses Coverage limit of insurance shown in the above SCHEDULE. CNA62665XX (10-15) Page 7 of 11 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MwaganadDiMiskm COMPANY Effectiv z REVIEWED & APPROVED BY. - Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement IV V u • Tenant Replacement Expense Coverage 1. In the event of covered loss of or damage to real property at a location or reported unspecified location which directly resulted in the cancellation of tenant leases of such location or reported unspecified location, the Insurer will pay for the reasonable and necessary fees and commissions of real estate brokers or real estate agents and advertising and promotional expenses paid by the Named Insured to obtain new tenant leases in the impacted portion of the location or reported unspecified location. 2. This additional coverage will end when the percentage of occupied square foot area at the location or reported unspecified location reaches the same level that existed at the time of loss or damage. 3. The most the Insurer will pay under this additional coverage in any one occurrence is the Tenant Replacement Expense Coverage limit of insurance shown in the above SCHEDULE. The following coverage is added to the ADDITIONAL COVERAGES section of the Business Property Coverage Part: • Restoration of Media Coverage 1. The Insurer will pay for the direct physical loss of or damage to media directly caused by a covered peril at a location or reported unspecified location. 2. The amount the Insurer will pay for such loss or damage under this additional coverage at any one location or reported unspecified location for any one occurrence is included in the applicable Personal Property Coverage limit of insurance shown in the Business Property Schedule of Locations. 3. The Contaminants or Pollutants, Temperature or Humidity Conditions and Utility Services Excluded Peril under the EXCLUSIONS section of the Business Property Coverage Part do not apply, but only to the extent of the coverage provided under this additional coverage. The Restoration of Media Coverage is deleted from the ADDITIONAL COVERAGE BASKET section of the Business Property Coverage Part. The Special Limits provision under the LIMITS OF INSURANCE/INDEMNITY PERIOD/DEDUCTIBLE/QUALIFYING PERIOD section of the Business Property Coverage Part is replaced by the following: B. Special Limits 1. Except as provided in Paragraph 2. below, the limit of insurance applicable in each occurrence for loss or damage due to theft is $10,000 for: a. furs, fur garments and garments trimmed with fur; b. jewelry, watches, watch movements, jewels, pearls, precious and semi-precious stones; and C. bullion, gold, silver, platinum and other precious alloys or metals. CNA62665XX (10-15) Page 8 of 11 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MwaganadDiviskm g COMPANY Effectiv REVIEWED & APPROVED BY.- =% ,�j'� �c`;r Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement 2. With respect to precious or semi-precious stones or metals used in the Named Insured's technology or manufacturing operations, the limit of insurance applicable in each occurrence for loss or damage due to theft is the Precious Metals and Stones — Theft limit of insurance shown in the above SCHEDULE. These Limits are included in, and not in addition to, the applicable Personal Property Coverage or Personal Property - Stock Only Coverage limit of insurance. VII. The following definitions are added to the First Party Glossary of Defined Terms: • Administrative Error Administrative error means an error or omission by an employee (including leased and temporary employees) of the Named Insured in the course of programming, configuring, operating or maintaining the network. • Communication Property Communication Property means: A. communication towers, satellite dishes, attached antennas, microwave dishes or any other property that is permanently attached to real property; B. lead-in wiring, masts, guy wires and distribution cable; C. real property that houses head -end transmitting or receiving equipment; D. permanently installed communication transmitting receiving or recording equipment; E. other personal property located inside such communication buildings; or F. recording or storage media, including but not limited to, films, tapes and discs and audio or visual records stored on such media that are used for transmitting, receiving or recording. • External Service Provider External service provider means a premises that is operated by others on whom the Named Insured depends, pursuant to a written service contract, to provide: A. internet services; or B. data management, network management, software management and cloud computing and storage services. External service provider does not include: 1. dependent property; 2. any utility service provider's property; or CNA62665XX (10-15) Page 9 of 11 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv i i z REVIEWED & APPROVED BY. - Copyright CNA All Rights Reserved. `�� Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement 3. any premises within any country in which the United States government has imposed sanctions, embargoes or similar prohibitions. • Lessor's Leasehold Interest Lessor's leasehold interest means the difference between the: A. rent the Named Insured was collecting at the location or reported unspecified location at the time of the covered loss; and B. rental value of the location or reported unspecified location at the end of the period of restoration Lessor's leasehold interest does not include refunds or rebates of any: 1. prepaid rent; 2. security or other deposits made by the Named Insured's tenants; or 3. insurance, taxes or other payments made on the Named Insured's behalf by tenants. • Network Network means a network owned or operated by, on behalf of or for the benefit of the Named Insured. Network does not include the internet, telephone company, electrical grid or other public infrastructure networks. • Secondary property Secondary property means a premises that is operated by others that delivers materials or services to dependent properties shown in the Dependent Property Time Element Coverage (Scheduled) Endorsement to this Policy. The secondary property includes the area associated with that address of the premises in which the occupant that delivers materials or services to the dependent property is legally entitled to conduct business activities and includes the area extending 1,000 feet beyond that address. Secondary property does not include: A. any premises operated by others on whom the dependent property depends on to deliver: 1. power, communications or other utility services; 2. internet access or internet services; or 3. data management, network management, software management and cloud computing and storage services, to that dependent property. CNA62665XX (10-15) Page 10 of 11 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MmRgemerdDMaion Effectiv i eco,a REVIEWED & APPROVED BY. - Copyright CNA All Rights Reserved. Risk Management Analyst CNA CNA PARAMOUNT Technology Property Extension Endorsement B. any premises within any country in which the United States government has imposed sanctions, embargoes or similar prohibitions. • Tenant Move Back Costs and Expenses Tenant move back costs and expenses means the following documented expenses to return any of the Named Insured's evacuated tenants to the location or reported unspecified location: A. packing labor and materials; B. transportation costs from the temporary location, including insurance premium for coverage of the tenant's personal property during the move; C. re-establishing electric utility and communication services (less refunds from discontinued services); D. assembling and setting up fixtures and equipment; and E. unpacking and re -shelving stock and supplies. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA62665XX (10-15) Page 11 of 11 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv i i z REVIEWED & APPROVED BY.- °!Lsii 111 f u-c- .e P'. VSA44a Copyright CNA All Rights Reserved. `�� Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Coverage Part Declarations Technology Initiative Policy Number: 6017210152 1. Named Name: LYRASIS INC Insured and mailing address Address: 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2955 2. Type of Organization Corporation 3. Limits of Insurance, Deductible General Aggregate Limit $2, 000, 000 Products/Completed Operations Aggregate Limit $2 , 0 0 0, 0 0 0 Personal And Advertising Injury Limit $1, 000, 000 Each Occurrence Limit $1, 000, 000 Damage To Premises Rented To You Limit $1, 0 0 0 , 0 0 0 Medical Expense Limit — Any One Person $15 , 0 0 0 4. Premium, Surcharges Taxes and Fees at Issuance Total Premium for this Coverage Part $1, 574 . 00 Total Premium, Surcharges Taxes and Fees for this Coverage Part $1, 574 . 0 0 Your Premium includes the following amount for Certified Acts of Terrorism $19 . 0 0 5. Audit Period: Annual CNA74694XX 01-15 Copyright CNA All Rights Reserved. HortaN Risk MmWmerdDi sign REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Additional Declarations - General Liability Schedule of Locations and Coverages Policy Number: 6017210152 Policy Level Coverage/Hazard Description Exposure Premium Rate Estimated Basis Premium Increased Damages for Premises Rented to $270 you Estimated premium for Increased Limits for Damage to Premises is determined based on tiered rates depending on the number of locations Technology General Liability Extension (SL) 20 $100 Endorsement Location Level Location Number Location Address: 1 1438 W PEACHTREE ST NW SUITE 200 ATLANTA, GA 30309 Coverage/Hazard Description Exposure Premium Rate Estimated Basis Premium Class Code 70065 Software & IT Services - Data Hosting and Data Processing for Others. Products -completed operations are subject to the General Aggregate Limit. Premises & Operations 79,000,000 (S) .015 $1,185 Location Sub -Total $1, 18 5 CNA75126XX 01-15 Copyright CNA All Rights Reserved. HortaN Risk MmWmerdDi sign REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part 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 policy the words "you" and "your" refer to the Named Insured shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. The words "we", "us" and 'bur" refer to the company providing this insurance. The word Insured means any person or organization qualifying as such under Section II — Who Is An Insured. Other words and phrases that appear in bold have special meaning. Refer to Section V — Definitions. SECTION I — COVERAGES COVERAGE A — BODILY INJURY AND PROPERTY DAMAGE LIABILITY 1. Insuring Agreement a. We will pay those sums that the Insured becomes legally obligated to pay as damages because of bodily injury or property damage to which this insurance applies. We will have the right and duty to defend the Insured against any suit seeking those damages. However, we will have no duty to defend the Insured against any suit seeking damages for bodily injury or property damage to which this insurance does not apply. We may, at our discretion, investigate any occurrence and settle any claim or suit that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance; and (2) Our right and duty to defend ends when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments — Coverages A and B. b. This insurance applies to bodily injury and property damage only if: (1) The bodily injury or property damage is caused by an occurrence that takes place in the coverage territory; (2) The bodily injury or property damage occurs during the policy period; and (3) Prior to the policy period, no Insured listed under Paragraph 1. of Section II — Who Is An Insured and no employee authorized by you to give or receive notice of an occurrence or claim, knew that the bodily injury or property damage had occurred, in whole or in part. If such a listed Insured or authorized employee knew, prior to the policy period, that the bodily injury or property damage occurred, then any continuation, 0 change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period. c. Bodily injury or property damage which occurs during the policy period and was not, prior to the policy period, known to have occurred by any Insured listed under Paragraph 1. of Section II — Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim, includes any continuation, change or resumption of that bodily injury or property damage after the end of the policy period. d. Bodily injury or property damage will be deemed to have been known to have occurred at the earliest time when any Insured listed under Paragraph 1. of Section II — Who Is An Insured or any employee authorized by you to give or receive notice of an occurrence or claim: (1) Reports all, or any part, of the bodily injury or property damage to us or any other insurer; (2) Receives a written or verbal demand or claim for damages because of the bodily injury or property damage; or (3) Becomes aware by any other means that bodily injury or property damage has occurred or has begun to occur. C00001 04-13 Copyright Insurance Services Office, Inc., 2012 �oRaN } r Risk ManagemerdDMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part e. Damages because of bodily injury include damages claimed by any person or organization for care, loss of services or death resulting at any time from the bodily injury. 2. Exclusions This insurance does not apply to: a. Expected Or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the Insured. This exclusion does not apply to bodily injury resulting from the use of reasonable force to protect persons or property. b. Contractual Liability Bodily injury or property damage for which the Insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) That the Insured would have in the absence of the contract or agreement; or (2) Assumed in a contract or agreement that is an Insured contract, provided the bodily injury or property damage occurs subsequent to the execution of the contract or agreement. Solely for the purposes of liability assumed in an Insured contract, reasonable attorneys' fees and necessary litigation expenses incurred by or for a party other than an Insured are deemed to be damages because of bodily injury or property damage, provided: (a) Liability to such party for, or for the cost of, that party's defense has also been assumed in the same Insured contract; and (b) Such attorneys' fees and litigation expenses are for defense of that party against a civil or alternative dispute resolution proceeding in which damages to which this insurance applies are alleged. c. Liquor Liability Bodily injury or property damage for which any Insured may be held liable by reason of: (1) Causing or contributing to the intoxication of any person; (2) The furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or (3) Any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims against any Insured allege negligence or other wrongdoing in: (a) The supervision, hiring, employment, training or monitoring of others by that Insured; or (b) Providing or failing to provide transportation with respect to any person that maybe under the influence of alcohol; if the occurrence which caused the bodily injury or property damage, involved that which is described in Paragraph (1), (2) or (3) above. However, this exclusion applies only if you are in the business of manufacturing, distributing, selling, serving or furnishing alcoholic beverages. For the purposes of this exclusion, permitting a person to bring alcoholic beverages on your premises, for consumption on your premises, whether or not a fee is charged or a license is required for such activity, is not by itself considered the business of selling, serving or furnishing alcoholic beverages. d. Workers' Compensation And Similar Laws Any obligation of the Insured under a workers' compensation, disability benefits or unemployment compensation law or any similar law. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN 3 r Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part e. Employer's Liability Bodily injury to: (1) An employee of the Insured arising out of and in the course of: (a) Employment by the Insured; or (b) Performing duties related to the conduct of the Insured's business; or (2) The spouse, child, parent, brother or sister of that employee as a consequence of Paragraph (1) above. This exclusion applies whether the Insured may be liable as an employer or in any other capacity and to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the Insured under an Insured contract. f. Pollution (1) Bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants: (a) At or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any Insured. However, this subparagraph does not apply to: (i) Bodily injury if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use, by the building's occupants or their guests; (ii) Bodily injury or property damage for which you may be held liable, if you are a contractor and the owner or lessee of such premises, site or location has been added to your policy as an additional Insured with respect to your ongoing operations performed for that additional Insured at that premises, site or location and such premises, site or location is not and never was owned or occupied by, or rented or loaned to, any Insured, other than that additional Insured; or (iii) Bodily injury or property damage arising out of heat, smoke or fumes from a hostile fire; (b) At or from any premises, site or location which is or was at any time used by or for any Insured or others for the handling, storage, disposal, processing or treatment of waste; (c) Which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for: 0 0 (i) Any Insured; or 0 (ii) Any person or organization for whom you may be legally responsible; or (d) At or from any premises, site or location on which any Insured or any contractors or subcontractors working directly or indirectly on any Insured's behalf are performing operations if the pollutants are brought on or to the premises, site or location in connection with such operations by such Insured, contractor or subcontractor. However, this subparagraph does not apply to: CG0001 04-13 (i) Bodily injury or property damage arising out of the escape of fuels, lubricants or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for the operation of mobile equipment or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such Insured, contractor or subcontractor; Copyright Insurance Services Office, Inc., 2012 �ortaN CMUM Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part (ii) Bodily injury or property damage sustained within a building and caused by the release of gases, fumes or vapors from materials brought into that building in connection with operations being performed by you or on your behalf by a contractor or subcontractor; or (iii) Bodily injury or property damage arising out of heat, smoke or fumes from a hostile fire. (e) At or from any premises, site or location on which any Insured or any contractors or subcontractors working directly or indirectly on any Insured's behalf are performing operations if the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants. (2) Any loss, cost or expense arising out of any: (a) Request, demand, order or statutory or regulatory requirement that any Insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants; or (b) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, pollutants. However, this paragraph does not apply to liability for damages because of property damage that the Insured would have in the absence of such request, demand, order or statutory or regulatory requirement, or such claim or suit by or on behalf of a governmental authority. g. Aircraft, Auto Or Watercraft Bodily injury or property damage arising out of the ownership, maintenance, use or entrustment to others of any aircraft, auto or watercraft owned or operated by or rented or loaned to any Insured. Use includes operation and loading or unloading. This exclusion applies even if the claims against any Insured allege negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that Insured, if the occurrence which caused the bodily injury or property damage involved the ownership, maintenance, use or entrustment to others of any aircraft, auto or watercraft that is owned or operated by or rented or loaned to any Insured. This exclusion does not apply to: (1) A watercraft while ashore on premises you own or rent; (2) A watercraft you do not own that is: (a) Less than 26 feet long; and (b) Not being used to carry persons or property for a charge; (3) Parking an auto on, or on the ways next to, premises you own or rent, provided the auto is not owned by or rented or loaned to you or the Insured; (4) Liability assumed under any Insured contract for the ownership, maintenance or use of aircraft or watercraft; or (5) Bodily injury or property damage arising out of: (a) The operation of machinery or equipment that is attached to, or part of, a land vehicle that would qualify under the definition of mobile equipment if it were not subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged; or (b) The operation of any of the machinery or equipment listed in Paragraph f.(2) or f.(3) of the definition of mobile equipment. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN 3 r Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part h. Mobile Equipment Bodily injury or property damage arising out of: (1) The transportation of mobile equipment by an auto owned or operated by or rented or loaned to any Insured; or (2) The use of mobile equipment in, or while in practice for, or while being prepared for, any prearranged racing, speed, demolition, or stunting activity. i. War Bodily injury or property damage, however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. j. Damage To Property Property damage to: (1) Property you own, rent, or occupy, including any costs or expenses incurred by you, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; (2) Premises you sell, give away or abandon, if the property damage arises out of any part of those premises; (3) Property loaned to you; (4) Personal property in the care, custody or control of the Insured; (5) That particular part of real property on which you or any contractors or subcontractors working directly or indirectly on your behalf are performing operations, if the property damage arises out of those operations; or (6) That particular part of any property that must be restored, repaired or replaced because your work was incorrectly performed on it. Paragraphs (1), (3) and (4) of this exclusion do not apply to property damage (other than damage by fire) to premises, including the contents of such premises, rented to you for a period of seven or fewer consecutive days. 0 A separate limit of insurance applies to Damage To Premises Rented To You as described in Section III — Limits Of Insurance. Paragraph (2) of this exclusion does not apply if the premises are your work and were never occupied, rented or held for rental by you. Paragraphs (3), (4), (5) and (6) of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph (6) of this exclusion does not apply to property damage included in the products -completed operations hazard. k. Damage To Your Product Property damage to your product arising out of it or any part of it. I. Damage To Your Work Property damage to your work arising out of it or any part of it and included in the products -completed operations hazard. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN � Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- F"A s PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on your behalf by a subcontractor. m. Damage To Impaired Property Or Property Not Physically Injured Property damage to impaired property or property that has not been physically injured, arising out of: (1) A defect, deficiency, inadequacy or dangerous condition in your product or your work; or (2) A delay or failure by you or anyone acting on your behalf to perform a contractor agreement in accordance with its terms. This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use. n. Recall Of Products, Work Or Impaired Property Damages claimed for any loss, cost or expense incurred by you or others for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of: (1) Your product; (2) Your work; or (3) Impaired property; if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. o. Personal And Advertising Injury Bodily injury arising out of personal and advertising injury. p. Electronic Data Damages arising out of the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. However, this exclusion does not apply to liability for damages because of bodily injury. As used in this exclusion, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. q. Recording And Distribution Of Material Or Information In Violation Of Law Bodily injury or property damage arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. Exclusions c. through n. do not apply to damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner. A separate limit of insurance applies to this coverage as described in Section III — Limits Of Insurance. CGOOO1 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN � Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part COVERAGE B — PERSONAL AND ADVERTISING INJURY LIABILITY 1. Insuring Agreement a. We will pay those sums that the Insured becomes legally obligated to pay as damages because of personal and advertising injury to which this insurance applies. We will have the right and duty to defend the Insured against any suit seeking those damages. However, we will have no duty to defend the Insured against any suit seeking damages for personal and advertising injury to which this insurance does not apply. We may, at our discretion, investigate any offense and settle any claim or suit that may result. But: (1) The amount we will pay for damages is limited as described in Section III — Limits Of Insurance; and (2) Our right and duty to defend end when we have used up the applicable limit of insurance in the payment of judgments or settlements under Coverages A or B or medical expenses under Coverage C. No other obligation or liability to pay sums or perform acts or services is covered unless explicitly provided for under Supplementary Payments — Coverages A and B. b. This insurance applies to personal and advertising injury caused by an offense arising out of your business but only if the offense was committed in the coverage territory during the policy period. 2. Exclusions This insurance does not apply to: a. Knowing Violation Of Rights Of Another Personal and advertising injury caused by or at the direction of the Insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. b. Material Published With Knowledge Of Falsity Personal and advertising injury arising out of oral or written publication, in any manner, of material, if done by or at the direction of the Insured with knowledge of its falsity. c. Material Published Prior To Policy Period Personal and advertising injury arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period. d. Criminal Acts Personal and advertising injury arising out of a criminal act committed by or at the direction of the Insured. e. Contractual Liability Personal and advertising injury for which the Insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages that the Insured would have in the absence of the contract or agreement. f. Breach Of Contract Personal and advertising injury arising out of a breach of contract, except an implied contract to use another's advertising idea in your advertisement. g. Quality Or Performance Of Goods — Failure To Conform To Statements Personal and advertising injury arising out of the failure of goods, products or services to conform with any statement of quality or performance made in your advertisement. h. Wrong Description Of Prices Personal and advertising injury arising out of the wrong description of the price of goods, products or services stated in your advertisement. CGOOO1 04-13 Copyright Insurance Services Office, Inc., 2012 �oRaN 3 Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- r Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part Infringement Of Copyright, Patent, Trademark Or Trade Secret Personal and advertising injury arising out of the infringement of copyright, patent, trademark, trade secret or other intellectual property rights. Under this exclusion, such other intellectual property rights do not include the use of another's advertising idea in your advertisement. However, this exclusion does not apply to infringement, in your advertisement, of copyright, trade dress or slogan. j. Insureds In Media And Internet Type Businesses Personal and advertising injury committed by an Insured whose business is: (1) Advertising, broadcasting, publishing or telecasting; (2) Designing or determining content of web sites for others; or (3) An Internet search, access, content or service provider. However, this exclusion does not apply to Paragraphs 14.a., b. and c. of personal and advertising injury under the Definitions section. For the purposes of this exclusion, the placing of frames, borders or links, or advertising, for you or others anywhere on the Internet, is not by itself, considered the business of advertising, broadcasting, publishing or telecasting. k. Electronic Chatrooms Or Bulletin Boards Personal and advertising injury arising out of an electronic chatroom or bulletin board the Insured hosts, owns, or over which the Insured exercises control. I. Unauthorized Use Of Another's Name Or Product Personal and advertising injury arising out of the unauthorized use of another's name or product in your e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers. m. Pollution Personal and advertising injury arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time. n. Pollution -related Any loss, cost or expense arising out of any: (1) Request, demand, order or statutory or regulatory requirement that any Insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of, pollutants; or (2) Claim or suit by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of, pollutants. o. War Personal and advertising injury, however caused, arising, directly or indirectly, out of: (1) War, including undeclared or civil war; (2) Warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or (3) Insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. CGOOO1 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN � Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- pu-c-." PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part p. Recording And Distribution Of Material Or Information In Violation Of Law Personal and advertising injury arising directly or indirectly out of any action or omission that violates or is alleged to violate: (1) The Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; (2) The CAN-SPAM Act of 2003, including any amendment of or addition to such law; (3) The Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transactions Act (FACTA); or (4) Any federal, state or local statute, ordinance or regulation, other than the TCPA, CAN-SPAM Act of 2003 or FCRA and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information. COVERAGE C — MEDICAL PAYMENTS 1. Insuring Agreement a. We will pay medical expenses as described below for bodily injury caused by an accident: (1) On premises you own or rent; (2) On ways next to premises you own or rent; or (3) Because of your operations; provided that: (a) The accident takes place in the coverage territory and during the policy period; (b) The expenses are incurred and reported to us within one year of the date of the accident; and (c) The injured person submits to examination, at our expense, by physicians of our choice as often as we reasonably require. b. We will make these payments regardless of fault. These payments will not exceed the applicable limit of insurance. We will pay reasonable expenses for: (1) First aid administered at the time of an accident; N (2) Necessary medical, surgical, X-ray and dental services, including prosthetic devices; and N r (3) Necessary ambulance, hospital, professional nursing and funeral services. N O 2. Exclusions 0 0 We will not pay expenses for bodily injury: a. Any Insured To any Insured, except volunteer workers. b. Hired Person To a person hired to do work for or on behalf of any Insured or a tenant of any Insured. c. Injury On Normally Occupied Premises To a person injured on that part of premises you own or rent that the person normally occupies. d. Workers' Compensation And Similar Laws To a person, whether or not an employee of any Insured, if benefits for the bodily injury are payable or must be provided under a workers' compensation or disability benefits law or a similar law. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- pu-c- " PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part e. Athletics Activities To a person injured while practicing, instructing or participating in any physical exercises or games, sports, or athletic contests. f. Products -Completed Operations Hazard Included within the products -completed operations hazard. g. Coverage A Exclusions Excluded under Coverage A. SUPPLEMENTARY PAYMENTS — COVERAGES A AND B 1. We will pay, with respect to any claim we investigate or settle, or any suit against an Insured we defend: a. All expenses we incur. b. Up to $250 for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which the Bodily Injury Liability Coverage applies. We do not have to furnish these bonds. c. The cost of bonds to release attachments, but only for bond amounts within the applicable limit of insurance. We do not have to furnish these bonds. d. All reasonable expenses incurred by the Insured at our request to assist us in the investigation or defense of the claim or suit, including actual loss of earnings up to $250 a day because of time off from work. e. All court costs taxed against the Insured in the suit. However, these payments do not include attorneys' fees or attorneys' expenses taxed against the Insured. f. Prejudgment interest awarded against the Insured on that part of the judgment we pay. If we make an offer to pay the applicable limit of insurance, we will not pay any prejudgment interest based on that period of time after the offer. g. All interest on the full amount of any judgment that accrues after entry of the judgment and before we have paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance. These payments will not reduce the limits of insurance. 2. If we defend an Insured against a suit and an indemnitee of the Insured is also named as a party to the suit, we will defend that indemnitee if all of the following conditions are met: a. The suit against the indemnitee seeks damages for which the Insured has assumed the liability of the indemnitee in a contract or agreement that is an Insured contract; b. This insurance applies to such liability assumed by the Insured; c. The obligation to defend, or the cost of the defense of, that indemnitee, has also been assumed by the Insured in the same Insured contract; d. The allegations in the suit and the information we know about the occurrence are such that no conflict appears to exist between the interests of the Insured and the interests of the indemnitee; e. The indemnitee and the Insured ask us to conduct and control the defense of that indemnitee against such suit and agree that we can assign the same counsel to defend the Insured and the indemnitee; and f. The indemnitee: (1) Agrees in writing to: (a) Cooperate with us in the investigation, settlement or defense of the suit; (b) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the suit; CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN } r Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part (c) Notify any other insurer whose coverage is available to the indemnitee; and (d) Cooperate with us with respect to coordinating other applicable insurance available to the indemnitee; and (2) Provides us with written authorization to: (a) Obtain records and other information related to the suit; and (b) Conduct and control the defense of the indemnitee in such suit. So long as the above conditions are met, attorneys' fees incurred by us in the defense of that indemnitee, necessary litigation expenses incurred by us and necessary litigation expenses incurred by the indemnitee at our request will be paid as Supplementary Payments. Notwithstanding the provisions of Paragraph 2.b.(2) of Section I — Coverage A — Bodily Injury And Property Damage Liability, such payments will not be deemed to be damages for bodily injury and property damage and will not reduce the limits of insurance. Our obligation to defend an Insured's indemnitee and to pay for attorneys' fees and necessary litigation expenses as Supplementary Payments ends when we have used up the applicable limit of insurance in the payment of judgments or settlements or the conditions set forth above, or the terms of the agreement described in Paragraph If. above, are no longer met. SECTION II — WHO IS AN INSURED 1. If you are designated in the Declarations as: a. An individual, you and your spouse are Insureds, but only with respect to the conduct of a business of which you are the sole owner. b. A partnership or joint venture, you are an Insured. Your members, your partners, and their spouses are also Insureds, but only with respect to the conduct of your business. c. A limited liability company, you are an Insured. Your members are also Insureds, but only with respect to the conduct of your business. Your managers are Insureds, but only with respect to their duties as your managers. d. An organization other than a partnership, joint venture or limited liability company, you are an Insured. Your executive officers and directors are Insureds, but only with respect to their duties as your officers or directors. Your stockholders are also Insureds, but only with respect to their liability as stockholders. N e. A trust, you are an Insured. Your trustees are also Insureds, but only with respect to their duties as trustees. N 2. Each of the following is also an Insured: N a. Your volunteer workers only while performing duties related to the conduct of your business, or your employees, other than either your executive officers (if you are an organization other than a partnership, joint venture or limited liability company) or your managers (if you are a limited liability company), but only for acts within the scope of their employment by you or while performing duties related to the conduct of your business. However, none of these employees or volunteer workers are Insureds for: (1) Bodily injury or personal and advertising injury: (a) To you, to your partners or members (if you are a partnership or joint venture), to your members (if you are a limited liability company), to a co -employee while in the course of his or her employment or performing duties related to the conduct of your business, or to your other volunteer workers while performing duties related to the conduct of your business; (b) To the spouse, child, parent, brother or sister of that co -employee or volunteer worker as a consequence of Paragraph (1)(a) above; (c) For which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in Paragraph (1)(a) or (b) above; or (d) Arising out of his or her providing or failing to provide professional health care s CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �oRaN Risk ManagemerdDiMsfan REVIEWED & APPROVED BY. - MUM Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part (2) Property damage to property: (a) Owned, occupied or used by; (b) Rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; you, any of your employees, volunteer workers, any partner or member (if you are a partnership orjoint venture), or any member (if you are a limited liability company). b. Any person (other than your employee or volunteer worker), or any organization while acting as your real estate manager. c. Any person or organization having proper temporary custody of your property if you die, but only: (1) With respect to liability arising out of the maintenance or use of that property; and (2) Until your legal representative has been appointed. d. Your legal representative if you die, but only with respect to duties as such. That representative will have all your rights and duties under this Coverage Part. 3. Any organization you newly acquire or form, other than a partnership, joint venture or limited liability company, and over which you maintain ownership or majority interest, will qualify as a Named Insured if there is no other similar insurance available to that organization. However: a. Coverage under this provision is afforded only until the 90th day after you acquire or form the organization or the end of the policy period, whichever is earlier; b. Coverage A does not apply to bodily injury or property damage that occurred before you acquired or formed the organization; and c. Coverage B does not apply to personal and advertising injury arising out of an offense committed before you acquired or formed the organization. No person or organization is an Insured with respect to the conduct of any current or past partnership, joint venture or limited liability company that is not shown as a Named Insured in the Declarations. SECTION III — LIMITS OF INSURANCE 1. The Limits of Insurance shown in the Declarations and the rules below fix the most we will pay regardless of the number of: a. Insureds; b. Claims made or suits brought; or c. Persons or organizations making claims or bringing suits. 2. The General Aggregate Limit is the most we will pay for the sum of: a. Medical expenses under Coverage C; b. Damages under Coverage A, except damages because of bodily injury or property damage included in the products -completed operations hazard; and c. Damages under Coverage B. 3. The Products -Completed Operations Aggregate Limit is the most we will pay under Coverage A for damages because of bodily injury and property damage included in the products -completed operations hazard. 4. Subject to Paragraph 2. above, the Personal And Advertising Injury Limit is the most we will pay under Coverage B for the sum of all damages because of all personal and advertising injury sustained by any one person or organization. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �oRaN 3 Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- r Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part 5. Subject to Paragraph 2. or 3. above, whichever applies, the Each Occurrence Limit is the most we will pay for the sum of: a. Damages under Coverage A; and b. Medical expenses under Coverage C because of all bodily injury and property damage arising out of any one occurrence. 6. Subject to Paragraph 5. above, the Damage To Premises Rented To You Limit is the most we will pay under Coverage A for damages because of property damage to any one premises, while rented to you, or in the case of damage by fire, while rented to you or temporarily occupied by you with permission of the owner. 7. Subject to Paragraph 5. above, the Medical Expense Limit is the most we will pay under Coverage C for all medical expenses because of bodily injury sustained by any one person. The Limits of Insurance of this Coverage Part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. SECTION IV — COMMERCIAL GENERAL LIABILITY CONDITIONS 1. Bankruptcy Bankruptcy or insolvency of the Insured or of the Insured's estate will not relieve us of our obligations under this Coverage Part. 2. Duties In The Event Of Occurrence, Offense, Claim Or Suit a. You must see to it that we are notified as soon as practicable of an occurrence or an offense which may result in a claim. To the extent possible, notice should include: (1) How, when and where the occurrence or offense took place; (2) The names and addresses of any injured persons and witnesses; and (3) The nature and location of any injury or damage arising out of the occurrence or offense. b. If a claim is made or suit is brought against any Insured, you must: N (1) Immediately record the specifics of the claim or suit and the date received; and 0 (2) Notify us as soon as practicable. 0 You must see to it that we receive written notice of the claim or suit as soon as practicable. c. You and any other involved Insured must: (1) Immediately send us copies of any demands, notices, summonses or legal papers received in connection with the claim or suit; (2) Authorize us to obtain records and other information; (3) Cooperate with us in the investigation or settlement of the claim or defense against the suit; and (4) Assist us, upon our request, in the enforcement of any right against any person or organization which may be liable to the Insured because of injury or damage to which this insurance may also apply. d. No Insured will, except at that Insured's own cost, voluntarily make a payment, assume any obligation, or incur any expense, other than for first aid, without our consent. 3. Legal Action Against Us No person or organization has a right under this Coverage Part: CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN 3 r Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part a. To join us as a party or otherwise bring us into a suit asking for damages from an Insured; or b. To sue us on this Coverage Part unless all of its terms have been fully complied with. A person or organization may sue us to recover on an agreed settlement or on a final judgment against an Insured; but we will not be liable for damages that are not payable under the terms of this Coverage Part or that are in excess of the applicable limit of insurance. An agreed settlement means a settlement and release of liability signed by us, the Insured and the claimant or the claimant's legal representative. 4. Other Insurance If other valid and collectible insurance is available to the Insured for a loss we cover under Coverages A or B of this Coverage Part, our obligations are limited as follows: a. Primary Insurance This insurance is primary except when Paragraph b. below applies. If this insurance is primary, our obligations are not affected unless any of the other insurance is also primary. Then, we will share with all that other insurance by the method described in Paragraph c. below. b. Excess Insurance (1) This insurance is excess over: (a) Any of the other insurance, whether primary, excess, contingent or on any other basis: (i) That is Fire, Extended Coverage, Builder's Risk, Installation Risk or similar coverage for your work; (ii) That is Fire insurance for premises rented to you or temporarily occupied by you with permission of the owner; (iii) That is insurance purchased by you to cover your liability as a tenant for property damage to premises rented to you or temporarily occupied by you with permission of the owner; or (iv) If the loss arises out of the maintenance or use of aircraft, autos or watercraft to the extent not subject to Exclusion g. of Section I — Coverage A — Bodily Injury And Property Damage Liability. (b) Any other primary insurance available to you covering liability for damages arising out of the premises or operations, or the products and completed operations, for which you have been added as an additional Insured. (2) When this insurance is excess, we will have no duty under Coverages A or B to defend the Insured against any suit if any other insurer has a duty to defend the Insured against that suit. If no other insurer defends, we will undertake to do so, but we will be entitled to the Insured's rights against all those other insurers. (3) When this insurance is excess over other insurance, we will pay only our share of the amount of the loss, if any, that exceeds the sum of: (a) The total amount that all such other insurance would pay for the loss in the absence of this insurance; and (b) The total of all deductible and self -Insured amounts under all that other insurance. (4) We will share the remaining loss, if any, with any other insurance that is not described in this Excess Insurance provision and was not bought specifically to apply in excess of the Limits of Insurance shown in the Declarations of this Coverage Part. c. Method Of Sharing If all of the other insurance permits contribution by equal shares, we will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN Risk ManagemerdDiMsfan REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part If any of the other insurance does not permit contribution by equal shares, we will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. 5. Premium Audit a. We will compute all premiums for this Coverage Part in accordance with our rules and rates. b. Premium shown in this Coverage Part as advance premium is a deposit premium only. At the close of each audit period we will compute the earned premium for that period and send notice to the First Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy period is greater than the earned premium, we will return the excess to the First Named Insured. c. The First Named Insured must keep records of the information we need for premium computation, and send us copies at such times as we may request. 6. Representations By accepting this policy, you agree: a. The statements in the Declarations are accurate and complete; b. Those statements are based upon representations you made to us; and c. We have issued this policy in reliance upon your representations. 7. Separation Of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this Coverage Part to the First Named Insured, this insurance applies: a. As if each Named Insured were the only Named Insured; and b. Separately to each Insured against whom claim is made or suit is brought. 8. Transfer Of Rights Of Recovery Against Others To Us If the Insured has rights to recover all or part of any payment we have made under this Coverage Part, those rights are transferred to us. The Insured must do nothing after loss to impair them. At our request, the Insured will bring suit or transfer those rights to us and help us enforce them. 9. When We Do Not Renew If we decide not to renew this Coverage Part, we will mail or deliver to the First Named Insured shown in the Declarations written notice of the nonrenewal not less than 30 days before the expiration date. If notice is mailed, proof of mailing will be sufficient proof of notice. SECTION V —DEFINITIONS 1. Advertisement means a notice that is broadcast or published to the general public or specific market segments about your goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: a. Notices that are published include material placed on the Internet or on similar electronic means of communication; and b. Regarding web sites, only that part of a web site that is about your goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. 2. Auto means: a. A land motor vehicle, trailer or semitrailer designed for travel on public roads, including equipment; or C00001 04-13 Copyright Insurance Services Office, Inc., 2012 No,=A Risk ManagzmentDMsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part b. Any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, auto does not include mobile equipment. 3. Bodily injury means bodily injury, sickness or disease sustained by a person, including death resulting from any of these at any time. 4. Coverage territory means: a. The United States of America (including its territories and possessions), Puerto Rico and Canada; b. International waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in Paragraph a. above; or c. All other parts of the world if the injury or damage arises out of: (1) Goods or products made or sold by you in the territory described in Paragraph a. above; (2) The activities of a person whose home is in the territory described in Paragraph a. above, but is away for a short time on your business; or (3) Personal and advertising injury offenses that take place through the Internet or similar electronic means of communication; provided the Insured's responsibility to pay damages is determined in a suit on the merits, in the territory described in Paragraph a. above or in a settlement we agree to. 5. Employee includes a leased worker. Employee does not include a temporary worker. 6. Executive officer means a person holding any of the officer positions created by your charter, constitution, bylaws or any other similar governing document. 7. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be. 8. Impaired property means tangible property, other than your product or your work, that cannot be used or is less useful because: a. It incorporates your product or your work that is known or thought to be defective, deficient, inadequate or dangerous; or b. You have failed to fulfill the terms of a contract or agreement; if such property can be restored to use by the repair, replacement, adjustment or removal of your product or your work or your fulfilling the terms of the contract or agreement. 9. Insured contract means: a. A contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to you or temporarily occupied by you with permission of the owner is not an Insured contract; b. A sidetrack agreement; c. Any easement or license agreement, except in connection with construction or demolition operations on or within 50 feet of a railroad; d. An obligation, as required by ordinance, to indemnify a municipality, except in connection with work for a municipality; e. An elevator maintenance agreement; CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN 3 r Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part If. That part of any other contract or agreement pertaining to your business (including an indemnification of a municipality in connection with work performed for a municipality) under which you assume the tort liability of another party to pay for bodily injury or property damage to a third person or organization. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. Paragraph If. does not include that part of any contract or agreement: (1) That indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road- beds, tunnel, underpass or crossing; (2) That indemnifies an architect, engineer or surveyor for injury or damage arising out of: (a) Preparing, approving, or failing to prepare or approve, maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or (b) Giving directions or instructions, or failing to give them, if that is the primary cause of the injury or damage; or (3) Under which the Insured, if an architect, engineer or surveyor, assumes liability for an injury or damage arising out of the Insured's rendering or failure to render professional services, including those listed in (2) above and supervisory, inspection, architectural or engineering activities. 10. Leased worker means a person leased to you by a labor leasing firm under an agreement between you and the labor leasing firm, to perform duties related to the conduct of your business. Leased worker does not include a temporary worker. 11. Loading or unloading means the handling of property: a. After it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or auto; b. While it is in or on an aircraft, watercraft or auto; or c. While it is being moved from an aircraft, watercraft or auto to the place where it is finally delivered; but loading or unloading does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or auto. 12. Mobile equipment means any of the following types of land vehicles, including any attached machinery or equipment: a. Bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; b. Vehicles maintained for use solely on or next to premises you own or rent; c. Vehicles that travel on crawler treads; d. Vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: (1) Power cranes, shovels, loaders, diggers or drills; or (2) Road construction or resurfacing equipment such as graders, scrapers or rollers; e. Vehicles not described in Paragraph a., b., c. or d. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: (1) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or (2) Cherry pickers and similar devices used to raise or lower workers; If. Vehicles not described in Paragraph a., b., c. or d. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equi equipment but will be considered autos: CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 HORaN RiskManagzmerdDivisian REVIEWED & APPROVED BY.- o r f PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part (1) Equipment designed primarily for: (a) Snow removal; (b) Road maintenance, but not construction or resurfacing; or (c) Street cleaning; (2) Cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and (3) Air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, mobile equipment does not include any land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are considered autos. 13. Occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. 14. Personal and advertising injury means injury, including consequential bodily injury, arising out of one or more of the following offenses: a. False arrest, detention or imprisonment; b. Malicious prosecution; c. The wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor; d. Oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; e. Oral or written publication, in any manner, of material that violates a person's right of privacy; If. The use of another's advertising idea in your advertisement; or g. Infringing upon another's copyright, trade dress or slogan in your advertisement. 15. Pollutants mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes materials to be recycled, reconditioned or reclaimed. 16. Products -completed operations hazard: a. Includes all bodily injury and property damage occurring away from premises you own or rent and arising out of your product or your work except: (1) Products that are still in your physical possession; or (2) Work that has not yet been completed or abandoned. However, your work will be deemed completed at the earliest of the following times: (a) When all of the work called for in your contract has been completed. (b) When all of the work to be done at the job site has been completed if your contract calls for work at more than one job site. (c) When that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- p PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part b. Does not include bodily injury or property damage arising out of: (1) The transportation of property, unless the injury or damage arises out of a condition in or on a vehicle not owned or operated by you, and that condition was created by the loading or unloading of that vehicle by any Insured; (2) The existence of tools, uninstalled equipment or abandoned or unused materials; or (3) Products or operations for which the classification, listed in the Declarations or in a policy Schedule, states that products -completed operations are subject to the General Aggregate Limit. 17. Property damage means: a. Physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or b. Loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. For the purposes of this insurance, electronic data is not tangible property. As used in this definition, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. 18. Suit means a civil proceeding in which damages because of bodily injury, property damage or personal and advertising injury to which this insurance applies are alleged. suit includes: a. An arbitration proceeding in which such damages are claimed and to which the Insured must submit or does submit with our consent; or b. Any other alternative dispute resolution proceeding in which such damages are claimed and to which the Insured submits with our consent. 19. Temporary worker means a person who is furnished to you to substitute for a permanent employee on leave or to meet seasonal or short-term workload conditions. 20. Volunteer worker means a person who is not your employee, and who donates his or her work and acts at the direction of and within the scope of duties determined by you, and is not paid a fee, salary or other compensation by you or anyone else for their work performed for you. 0 21. Your product: 0 0 a. Means: (1) Any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: (a) You; (b) Others trading under your name; or (c) A person or organization whose business or assets you have acquired; and (2) Containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of your product; and (2) The providing of or failure to provide warnings or instructions. c. Does not include vending machines or other property rented to or located for the use of CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �oRaN Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- � Risk Management Analyst CNA CNA PARAMOUNT Commercial General Liability Coverage Part 22. Your work: a. Means: (1) Work or operations performed by you or on your behalf; and (2) Materials, parts or equipment furnished in connection with such work or operations. b. Includes: (1) Warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of your work; and (2) The providing of or failure to provide warnings or instructions. CG0001 04-13 Copyright Insurance Services Office, Inc., 2012 �ortaN 3 r Risk ManagemerdDiMsfan REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement It is understood and agreed that this endorsement amends the COMMERCIAL GENERAL LIABILITY COVERAGE PART as follows. If any other endorsement attached to this policy amends any provision also amended by this endorsement, then that other endorsement controls with respect to such provision, and the changes made by this endorsement with respect to such provision do not apply. TABLE OF CONTENTS 1. Additional Insureds 2. Additional Insured - Primary And Non -Contributory To Additional Insured's Insurance 3. Bodily Injury — Expanded Definition 4. Broad Knowledge of Occurrence/ Notice of Occurrence 5. Broad Named Insured 6. Estates, Legal Representatives and Spouses 7. Expected Or Intended Injury — Exception for Reasonable Force 8. In Rem Actions 9. Incidental Health Care Malpractice Coverage 10. Joint Ventures/Partnership/Limited Liability Companies 11. Legal Liability — Damage To Premises 12. Medical Payments 13. Non -owned Aircraft Coverage 14. Non -owned Watercraft 15. Personal And Advertising Injury — Discrimination or Humiliation 16. Personal And Advertising Injury - Limited Contractual Liability 17. Property Damage - Elevators 18. Supplementary Payments 19. Property Damage — Patterns, Molds and Dies 20. Unintentional Failure To Disclose Hazards 21. Waiver of Subrogation — Blanket CNA74872XX (1-15) Pol Page 1 of 14 EndorsemE Risk MmRgmerdDiMisian VALLEY FORGE INSURANCE COMPANY Effectiv o' , r, RE�AED&APPROVED SY: Insured Name: LYRASIS INC f ;" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 1. ADDITIONAL INSUREDS a. WHO IS AN INSURED is amended to include as an Insured any person or organization described in paragraphs A. through K. below whom a Named Insured is required to add as an additional insured on this Coverage Part under a written contract or written agreement, provided such contract or agreement: (1) is currently in effect or becomes effective during the term of this Coverage Part; and (2) was executed prior to: (a) the bodily injury or property damage; or (b) the offense that caused the personal and advertising injury, for which such additional insured seeks coverage. b. However, subject always to the terms and conditions of this policy, including the limits of insurance, the Insurer will not provide such additional insured with: (1) a higher limit of insurance than required by such contract or agreement; or (2) coverage broader than required by such contract or agreement, and in no event broader than that described by the applicable paragraph A. through K. below. Any coverage granted by this endorsement shall apply only to the extent permissible by law. A. Controlling Interest Any person or organization with a controlling interest in a Named Insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury arising out of: 1. such person or organization's financial control of a Named Insured; or 2. premises such person or organization owns, maintains or controls while a Named Insured leases or occupies such premises; provided that the coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. B. Co-owner of Insured Premises A co-owner of a premises co -owned by a Named Insured and covered under this insurance but only with respect to such co -owner's liability for bodily injury, property damage or personal and advertising injury as co-owner of such premises. C. Grantor of Franchise Any person or organization that has granted a franchise to a Named Insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury as grantor of a franchise to the Named Insured. D. Lessor of Equipment Any person or organization from whom a Named Insured leases equipment, but only with respect to liability for bodily injury, property damage or personal and advertising injury caused, in whole or in part, by the Named Insured's maintenance, operation or use of such equipment, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place prior to the termination of such lease. CNA74872XX (1-15) Pol Page 2 of 14 Endorsem RiskMmWment�iviaion VALLEY FORGE INSURANCE COMPANY Effectiv 3 z REVIEWED&APPROVEDSY: Insured Name: LYRASIS INC p is JZ. V Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl l `� Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement E. Lessor of Land Any person or organization from whom a Named Insured leases land but only with respect to liability for bodily injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use of such land, provided that the occurrence giving rise to such bodily injury, property damage or the offense giving rise to such personal and advertising injury takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. F. Lessor of Premises An owner or lessor of premises leased to the Named Insured, or such owner or lessor's real estate manager, but only with respect to liability for bodily injury, property damage or personal and advertising injury arising out of the ownership, maintenance or use of such part of the premises leased to the Named Insured, and provided that the occurrence giving rise to such bodily injury or property damage, or the offense giving rise to such personal and advertising injury, takes place prior to the termination of such lease. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. G. Mortgagee, Assignee or Receiver A mortgagee, assignee or receiver of premises but only with respect to such mortgagee, assignee or receiver's liability for bodily injury, property damage or personal and advertising injury arising out of the Named Insured's ownership, maintenance, or use of a premises by a Named Insured. The coverage granted by this paragraph does not apply to structural alterations, new construction or demolition operations performed by, on behalf of, or for such additional insured. H. State or Governmental Agency or Subdivision or Political Subdivisions — Permits A state or governmental agency or subdivision or political subdivision that has issued a permit or authorization but only with respect to such state or governmental agency or subdivision or political subdivision's liability for bodily injury, property damage or personal and advertising injury arising out of: 1. the following hazards in connection with premises a Named Insured owns, rents, or controls and to which this insurance applies: a. the existence, maintenance, repair, construction, erection, or removal of advertising signs, awnings, canopies, cellar entrances, coal holes, driveways, manholes, marquees, hoistaway openings, sidewalk O vaults, street banners, or decorations and similar exposures; or N O b. the construction, erection, or removal of elevators; or N O c. the ownership, maintenance or use of any elevators covered by this insurance; or 2. the permitted or authorized operations performed by a Named Insured or on a Named Insured's behalf. The coverage granted by this paragraph does not apply to: a. Bodily injury, property damage or personal and advertising injury arising out of operations performed for the state or governmental agency or subdivision or political subdivision; or b. Bodily injury or property damage included within the products -completed operations hazard. With respect to this provision's requirement that additional insured status must be requested under a written contract or agreement, the Insurer will treat as a written contract any governmental permit that requires the Named Insured to add the governmental entity as an additional insured. CNA74872XX (1-15) Pol Page 3 of 14 Endorsem �M�� VALLEY FORGE INSURANCE COMPANY Effectiv1.11 , r, R�EWED&APPROVmSY: Insured Name: LYRASIS INC pu-c- .e JZ. � Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement I. Trade Show Event Lessor 1. With respect to a Named Insured's participation in a trade show event as an exhibitor, presenter or displayer, any person or organization whom the Named Insured is required to include as an additional insured, but only with respect to such person or organization's liability for bodily injury, property damage or personal and advertising injury caused by: a. the Named Insured's acts or omissions; or b. the acts or omissions of those acting on the Named Insured's behalf, in the performance of the Named Insured's ongoing operations at the trade show event premises during the trade show event. 2. The coverage granted by this paragraph does not apply to bodily injury or property damage included within the products -completed operations hazard. J. Vendor Any person or organization but only with respect to such person or organization's liability for bodily injury or property damage arising out of your products which are distributed or sold in the regular course of such person or organization's business, provided that: 1. The coverage granted by this paragraph does not apply to: a. bodily injury or property damage for which such person or organization is obligated to pay damages by reason of the assumption of liability in a contract or agreement unless such liability exists in the absence of the contract or agreement; b. any express warranty unauthorized by the Named Insured; c. any physical or chemical change in any product made intentionally by such person or organization; d. repackaging, except when unpacked solely for the purpose of inspection, demonstration, testing, or the substitution of parts under instructions from the manufacturer, and then repackaged in the original container; e. any failure to make any inspections, adjustments, tests or servicing that such person or organization has agreed to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products; If. demonstration, installation, servicing or repair operations, except such operations performed at such person or organization's premises in connection with the sale of a product; g. products which, after distribution or sale by the Named Insured, have been labeled or relabeled or used as a container, part or ingredient of any other thing or substance by or for such person or organization; or h. bodily injury or property damage arising out of the sole negligence of such person or organization for its own acts or omissions or those of its employees or anyone else acting on its behalf. However, this exclusion does not apply to: (1) the exceptions contained in Subparagraphs d. or If. above; or (2) such inspections, adjustments, tests or servicing as such person or organization has agreed with the Named Insured to make or normally undertakes to make in the usual course of business, in connection with the distribution or sale of the products. 2. This Paragraph J. does not apply to any insured person or organization, from whom the Named Insured has acquired such products, nor to any ingredient, part or container, entering into, accompanying or containing such products. CNA74872XX (1-15) Pol Page 4 of 14 Endorsem RiskMmWment�iviaion VALLEY FORGE INSURANCE COMPANY Effectiv 3 z REVIEWED&APPROVEDSY: Insured Name: LYRASIS INC p t� JZ. V Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl l `� Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 3. This Paragraph J. also does not apply: a. to any vendor specifically scheduled as an additional insured by endorsement to this Coverage Part; b. to any of your products for which coverage is excluded by endorsement to this Coverage Part; nor c. if bodily injury or property damage included within the products -completed operations hazard is excluded by endorsement to this Coverage Part. K. Other Person Or Organization / Your Work Any person or organization who is not an additional insured under Paragraphs A. through J. above. Such additional insured is an Insured solely for bodily injury, property damage or personal and advertising injury for which such additional insured is liable because of the Named Insured's acts or omissions. The coverage granted by this paragraph does not apply to any person or organization: 1. who is specifically scheduled as an additional insured on another endorsement to this Coverage Part; nor 2. for bodily injury or property damage included within the products -completed operations hazard except to the extent all of the following apply: a. this Coverage Part provides such coverage; b. the written contract or agreement described in the opening paragraph of this ADDITIONAL INSUREDS Provision requires the Named Insured to provide the additional insured such coverage; and c. the bodily injury or property damage results from your work that is the subject of the written contract or agreement, and such work has not been excluded by endorsement to this Coverage Part. 2. ADDITIONAL INSURED -PRIMARY AND NON-CONTRIBUTORY TO ADDITIONAL INSURED'S INSURANCE A. The Other Insurance Condition in the COMMERCIAL GENERAL LIABILITY CONDITIONS Section is amended to add the following paragraph: If the Named Insured has agreed in writing in a contract or agreement that this insurance is primary and non- contributory relative to an additional insured's own insurance, then this insurance is primary, and the Insurer will not seek contribution from that other insurance. For the purpose of this Provision 2., the additional insured's own insurance means insurance on which the additional insured is a named insured. 0 B. With respect to persons or organizations that qualify as additional insureds pursuant to paragraph 1.K. of this endorsement, the following sentence is added to the paragraph above: 0 0 Otherwise, and notwithstanding anything to the contrary elsewhere in this Condition, the insurance provided to 0 such person or organization is excess of any other insurance available to such person or organization. 3. BODILY INJURY — EXPANDED DEFINITION Under DEFINITIONS, the definition of bodily injury is deleted and replaced by the following: Bodily injury means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury sustained by that person at any time which results as a consequence of the physical injury, sickness or disease. 4. BROAD KNOWLEDGE OF OCCURRENCE/ NOTICE OF OCCURRENCE Under CONDITIONS, the condition entitled Duties in The Event of Occurrence, Offense, Claim or Suit Condition is amended to add the following provisions: A. BROAD KNOWLEDGE OF OCCURRENCE CNA74872XX (1-15) Pol Page 5 of 14 EndorsemE Risk MmRgmerdDiMisian VALLEY FORGE INSURANCE COMPANY Effectiv o' , r, RE�AED&APPROVED SY: Insured Name: LYRASIS INC f ;" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement The Named Insured must give the Insurer or the Insurer's authorized representative notice of an occurrence, offense or claim only when the occurrence, offense or claim is known to a natural person Named Insured, to a partner, executive officer, manager or member of a Named Insured, or to an employee designated by any of the above to give such notice. B. NOTICE OF OCCURRENCE The Named Insured's rights under this Coverage Part will not be prejudiced if the Named Insured fails to give the Insurer notice of an occurrence, offense or claim and that failure is solely due to the Named Insured's reasonable belief that the bodily injury or property damage is not covered under this Coverage Part. However, the Named Insured shall give written notice of such occurrence, offense or claim to the Insurer as soon as the Named Insured is aware that this insurance may apply to such occurrence, offense or claim. 5. BROAD NAMED INSURED WHO IS AN INSURED is amended to delete its Paragraph 3. in its entirety and replace it with the following: 3. Pursuant to the limitations described in Paragraph 4. below, any organization in which a Named Insured has management control: a. on the effective date of this Coverage Part; or b. by reason of a Named Insured creating or acquiring the organization during the policy period, qualifies as a Named Insured, provided that there is no other similar liability insurance, whether primary, contributory, excess, contingent or otherwise, which provides coverage to such organization, or which would have provided coverage but for the exhaustion of its limit, and without regard to whether its coverage is broader or narrower than that provided by this insurance. But this BROAD NAMED INSURED provision does not apply to: (a) any partnership or joint venture; or (b) any organization for which coverage is excluded by another endorsement attached to this Coverage Part. For the purpose of this provision, and of this endorsement's JOINT VENTURES / PARTNERSHIP / LIMITED LIABILITY COMPANIES provision, management control means: A. owning interests representing more than 50% of the voting, appointment or designation power for the selection of a majority of the Board of Directors of a corporation, or the members of the management board of a limited liability company; or B. having the right, pursuant to a written trust agreement, to protect, control the use of, encumber or transfer or sell property held by a trust. 4. With respect to organizations which qualify as Named Insureds by virtue of Paragraph 3. above, this insurance does not apply to: a. bodily injury or property damage that first occurred prior to the date of management control, or that first occurs after management control ceases; nor b. personal or advertising injury caused by an offense that first occurred prior to the date of management control or that first occurs after management control ceases. 5. The insurance provided by this Coverage Part applies to Named Insureds when trading under their own names or under such other trading names or doing -business -as names (dba) as any Named Insured should choose to employ. CNA74872XX (1-15) Pol Page 6 of 14 Endorsem RiskMmWment�iviaion VALLEY FORGE INSURANCE COMPANY Effectiv 3 z REVIEWED&APPROVEDSY: Insured Name: LYRASIS INC F"A . JZ. V Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl l `� Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 6. ESTATES, LEGAL REPRESENTATIVES, AND SPOUSES The estates, heirs, legal representatives and spouses of any natural person Insured shall also be insured under this policy; provided, however, coverage is afforded to such estates, heirs, legal representatives, and spouses only for claims arising solely out of their capacity or status as such and, in the case of a spouse, where such claim seeks damages from marital community property, jointly held property or property transferred from such natural person Insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative, or spouse outside the scope of such person's capacity or status as such, provided however that the spouse of a natural person Named Insured and the spouses of members or partners of joint venture or partnership Named Insureds are Insureds with respect to such spouses' acts, errors or omissions in the conduct of the Named Insured's business. 7. EXPECTED OR INTENDED INJURY— EXCEPTION FOR REASONABLE FORCE Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Expected or Intended Injury and replace it with the following: This insurance does not apply to: Expected or Intended Injury Bodily injury or property damage expected or intended from the standpoint of the Insured. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. 8. IN REM ACTIONS A quasi in rem action against any vessel owned or operated by or for the Named Insured, or chartered by or for the Named Insured, will be treated in the same manner as though the action were in personam against the Named Insured. 9. INCIDENTAL HEALTH CARE MALPRACTICE COVERAGE Solely with respect to bodily injury that arises out of a health care incident: A. Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the Insuring Agreement is amended to replace Paragraphs 1.b.(1) and 1.b.(2) with the following: b. This insurance applies to bodily injury provided that the professional health care services are incidental to the Named Insured's primary business purpose, and only if: 0 0 (1) such bodily injury is caused by an occurrence that takes place in the coverage territory. 0 (2) the bodily injury first occurs during the policy period. All bodily injury arising from an occurrence will 0 be deemed to have occurred at the time of the first act, error, or omission that is part of the occurrence; and B. Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions is amended to: i. add the following to the Employers Liability exclusion: This exclusion applies only if the bodily injury arising from a health care incident is covered by other liability insurance available to the Insured (or which would have been available but for exhaustion of its limits). ii. delete the exclusion entitled Contractual Liability and replace it with the following: This insurance does not apply to: CNA74872XX (1-15) Pol Page 7 of 14 EndorsemE Risk MmRgmerdDiMisian VALLEY FORGE INSURANCE COMPANY Effectiv o' , r, R�ED&APPROVmSY: Insured Name: LYRASIS INC f ;" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement Contractual Liability the Insured's actual or alleged liability under any oral or written contract or agreement, including but not limited to express warranties or guarantees. iii. add the following additional exclusions. This insurance does not apply to: Discrimination any actual or alleged discrimination, humiliation or harassment, that includes but shall not be limited to claims based on an individual's race, creed, color, age, gender, national origin, religion, disability, marital status or sexual orientation. Dishonesty or Crime Any actual or alleged dishonest, criminal or malicious act, error or omission. Medicare/Medicaid Fraud any actual or alleged violation of law with respect to Medicare, Medicaid, Tricare or any similar federal, state or local governmental program. Services Excluded by Endorsement Any health care incident for which coverage is excluded by endorsement. C. DEFINITIONS is amended to: i. add the following definitions: Health care incident means an act, error or omission by the Named Insured's employees or volunteer workers in the rendering of: a. professional health care services on behalf of the Named Insured or b. Good Samaritan services rendered in an emergency and for which no payment is demanded or received. Professional health care services means any health care services or the related furnishing of food, beverages, medical supplies or appliances by the following providers in their capacity as such but solely to the extent they are duly licensed as required: a. Physician; b. Nurse; c. Nurse practitioner; d. Emergency medical technician; e. Paramedic; f. Dentist; g. Physical therapist; h. Psychologist; i. Speech therapist; j. Other allied health professional; or Professional health care services does not include any services rendered in connection with human clinical trials or product testing. CNA74872XX (1-15) Pol Page 8 of 14 EndorsemE Risk MmRgemerdDiAsion VALLEY FORGE INSURANCE COMPANY EffectiVE REvlEuveD&APPROVED SY: Insured Name: LYRASIS INC VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its ` Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement ii. delete the definition of occurrence and replace it with the following: Occurrence means a health care incident. All acts, errors or omissions that are logically connected by any common fact, circumstance, situation, transaction, event, advice or decision will be considered to constitute a single occurrence; iii. amend the definition of Insured to: a. add the following: • the Named Insured's employees are Insureds with respect to: (1) bodily injury to a co -employee while in the course of the co -employee's employment by the Named Insured or while performing duties related to the conduct of the Named Insured's business; and (2) bodily injury to a volunteer worker while performing duties related to the conduct of the Named Insured's business; when such bodily injury arises out of a health care incident. • the Named Insured's volunteer workers are Insureds with respect to: (1) bodily injury to a co -volunteer worker while performing duties related to the conduct of the Named Insured's business; and (2) bodily injury to an employee while in the course of the employee's employment by the Named Insured or while performing duties related to the conduct of the Named Insured's business; when such bodily injury arises out of a health care incident. b. delete Subparagraphs (a), (b), (c) and (d) of Paragraph 2.a.(1) of WHO IS AN INSURED. c. add the following: Insured does not include any physician while acting in his or her capacity as such. D. The Other Insurance condition is amended to delete Paragraph b.(1) in its entirety and replace it with the following: Other Insurance 0 b. Excess Insurance 0 (1) To the extent this insurance applies, it is excess over any other insurance, self insurance or risk transfer instrument, whether primary, excess, contingent or on any other basis, except for insurance purchased specifically by the Named Insured to be excess of this coverage. 10. JOINT VENTURES / PARTNERSHIP / LIMITED LIABILITY COMPANIES WHO IS AN INSURED is amended to delete its last paragraph and replace it with the following: No person or organization is an Insured with respect to: • the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations; nor • the conduct of a current or past limited liability company in which a Named Insured's interest does/did not rise to the level of management control; except that if the Named Insured was a joint venturer, partner, or member of such a limited liability company, and such joint venture, partnership or limited liability company terminated prior to or during the policy period, then such CNA74872XX (1-15) Pol Page 9 of 14 Endorsem Risk MmWmadDiAsiun VALLEY FORGE INSURANCE COMPANY Effectiv R�EWED&APPROVED BY.- Insured Name: LYRASIS INC 1.11 pu-c- .e JZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement Named Insured is an Insured with respect to its interest in such joint venture, partnership or limited liability company but only to the extent that: a. any offense giving rise to personal and advertising injury occurred prior to such termination date, and the personal and advertising injury arising out of such offense, first occurred after such termination date; b. the bodily injury or property damage first occurred after such termination date; and c. there is no other valid and collectible insurance purchased specifically to insure the partnership, joint venture or limited liability company. 11. LEGAL LIABILITY — DAMAGE TO PREMISES A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete the first paragraph immediately following subparagraph (6) of the Damage to Property exclusion and replace it with the following: Paragraphs (1), (3) and (4) of this exclusion do not apply to property damage (other than damage by fire, lightning, explosion, smoke or leakage from automatic fire protective systems) to premises rented to the Named Insured or temporarily occupied by the Named Insured with the permission of the owner, nor to the contents of premises rented to the Named Insured for a period of 7 or fewer consecutive days. A separate limit of insurance applies to Damage To Premises Rented To You as described in LIMITS OF INSURANCE. B. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete its last paragraph and replace it with the following: Exclusions c. through n. do not apply to damage by fire, lightning, explosion, smoke or leakage from automatic fire protective systems to premises while rented to a Named Insured or temporarily occupied by a Named Insured with permission of the owner, nor to damage to the contents of premises rented to a Named Insured for a period of 7 or fewer consecutive days. A separate limit of insurance applies to this coverage as described in the LIMITS OF INSURANCE Section. C. LIMITS OF INSURANCE is amended to delete Paragraph 6. (the Damage To Premises Rented To You Limit) and replace it with the following: 6. Subject to Paragraph 5. above, (the Each Occurrence Limit), the Damage To Premises Rented To You Limit is the most the Insurer will pay under COVERAGE A for damages because of property damage to: a. any one premises while rented to a Named Insured or temporarily occupied by a Named Insured with the permission of the owner; and b. contents of such premises if the premises is rented to the Named Insured for a period of 7 or fewer consecutive days. The Damage To Premises Rented To You Limit is $500,000. unless a higher Damage to Premises Rented to You Limit is shown in the Declarations. D. The Other Insurance Condition is amended to delete Paragraph b.(1)(a)(ii), and replace it with the following: (ii) That is property insurance for premises rented to a Named Insured, for premises temporarily occupied by the Named Insured with the permission of the owner; or for personal property of others in the Named Insured's care, custody or control; E. This Provision 11. does not apply if liability for damage to premises rented to a Named Insured is excluded by another endorsement attached to this Coverage Part. CNA74872XX (1-15) Pol Page 10 of 14 EndorsemE Risk MmRgemerdDiviaian VALLEY FORGE INSURANCE COMPANY Effectiv = z REvlEuveD&APPROVmSY: Insured Name: LYRASIS INC f t" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement 12. MEDICAL PAYMENTS A. LIMITS OF INSURANCE is amended to delete Paragraph 7. (the Medical Expense Limit) and replace it with the following: 7. Subject to Paragraph 5. above (the Each Occurrence Limit), the Medical Expense Limit is the most the Insurer will pay under Coverage C — Medical Payments for all medical expenses because of bodily injury sustained by any one person. The Medical Expense Limit is the greater of: (1) $15,000 unless a different amount is shown here: ; or (2) the amount shown in the Declarations for Medical Expense Limit. B. Under COVERAGES, the Insuring Agreement of Coverage C — Medical Payments is amended to replace Paragraph 1.a.(3)(b) with the following: (b) The expenses are incurred and reported to the Insurer within three years of the date of the accident; and 13. NON -OWNED AIRCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended as follows: The exclusion entitled Aircraft, Auto or Watercraft is amended to add the following: This exclusion does not apply to an aircraft not owned by any Named Insured, provided that: 1. the pilot in command holds a currently effective certificate issued by the duly constituted authority of the United States of America or Canada, designating that person as a commercial or airline transport pilot; 2. the aircraft is rented with a trained, paid crew to the Named Insured; and 3. the aircraft is not being used to carry persons or property for a charge. 14. NON -OWNED WATERCRAFT Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete subparagraph (2) of the exclusion entitled Aircraft, Auto or Watercraft, and replace it with the following. This exclusion does not apply to: 0 (2) a watercraft that is not owned by any Named Insured, provided the watercraft is: 0 0 (a) less than 75 feet long; and 0 (b) not being used to carry persons or property for a charge. 15. PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION A. Under DEFINITIONS, the definition of personal and advertising injury is amended to add the following tort: • Discrimination or humiliation that results in injury to the feelings or reputation of a natural person. B. Under COVERAGES, Coverage B — Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to: 1. delete the Exclusion entitled Knowing Violation Of Rights Of Another and replace it with the following: This insurance does not apply to: CNA74872XX (1-15) Pol Page 11 of 14 EndorsemE Risk MmRgmerdDiMisian VALLEY FORGE INSURANCE COMPANY Effectiv o' , r, R�ED&APPROVmSY: Insured Name: LYRASIS INC f ;" P'. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement Knowing Violation of Rights of Another Personal and advertising injury caused by or at the direction of the Insured with the knowledge that the act would violate the rights of another and would inflict personal and advertising injury. This exclusion shall not apply to discrimination or humiliation that results in injury to the feelings or reputation of a natural person, but only if such discrimination or humiliation is not done intentionally by or at the direction of: (a) the Named Insured; or (b) any executive officer, director, stockholder, partner, member or manager (if the Named Insured is a limited liability company) of the Named Insured. 2. add the following exclusions: This insurance does not apply to: Employment Related Discrimination Discrimination or humiliation directly or indirectly related to the employment, prospective employment, past employment or termination of employment of any person by any Insured. Premises Related Discrimination discrimination or humiliation arising out of the sale, rental, lease or sub -lease or prospective sale, rental, lease or sub -lease of any room, dwelling or premises by or at the direction of any Insured. Notwithstanding the above, there is no coverage for fines or penalties levied or imposed by a governmental entity because of discrimination. The coverage provided by this PERSONAL AND ADVERTISING INJURY —DISCRIMINATION OR HUMILIATION Provision does not apply to any person or organization whose status as an Insured derives solely from • Provision 1. ADDITIONAL INSURED of this endorsement; or • attachment of an additional insured endorsement to this Coverage Part. 16. PERSONAL AND ADVERTISING INJURY - LIMITED CONTRACTUAL LIABILITY A. Under COVERAGES, Coverage B —Personal and Advertising Injury Liability, the paragraph entitled Exclusions is amended to delete the exclusion entitled Contractual Liability and replace it with the following: This insurance does not apply to: Contractual Liability Personal and advertising injury for which the Insured has assumed liability in a contract or agreement. This exclusion does not apply to liability for damages: (1) that the Insured would have in the absence of the contract or agreement; or (2) assumed in a contract or agreement that is an insured contract provided the offense that caused such personal or advertising injury first occurred subsequent to the execution of such insured contract. Solely for the purpose of liability assumed in an insured contract, reasonable attorney fees and necessary litigation expenses incurred by or for a party other than an Insured are deemed to be damages because of personal and advertising injury provided: (a) liability to such party for, or for the cost of, that party's defense has also been assumed in such insured contract; and (b) such attorney fees and litigation expenses are for defense of such party against a civil or alternative dispute resolution proceeding in which covered damages are alleged. CNA74872XX (1-15) Pol Page 12 of 14 EndorsemE Risk MmRgemerdDiviaian VALLEY FORGE INSURANCE COMPANY Effectiv = z REvlEuveD&APPROVmSY: Insured Name: LYRASIS INC f t" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement B. Solely for the purpose of the coverage provided by this paragraph, DEFINITIONS is amended to delete the definition of insured contract in its entirety, and replace it with the following: Insured contract means that part of a written contract or written agreement pertaining to the Named Insured's business under which the Named Insured assumes the tort liability of another party to pay for personal or advertising injury arising out of the offense of false arrest, detention or imprisonment. Tort liability means a liability that would be imposed by law in the absence of any contract or agreement. C. Solely for the purpose of the coverage provided by this paragraph, the following changes are made to the Section entitled SUPPLEMENTARY PAYMENTS — COVERAGES A AND B: 1. Paragraph 2.d. is replaced by the following: d. The allegations in the suit and the information the Insurer knows about the offense alleged in such suit are such that no conflict appears to exist between the interests of the Insured and the interests of the indemnitee; 2. The first unnumbered paragraph beneath Paragraph 2.f.(2)(b) is deleted and replaced by the following: So long as the above conditions are met, attorneys fees incurred by the Insurer in the defense of that indemnitee, necessary litigation expenses incurred by the Insurer, and necessary litigation expenses incurred by the indemnitee at the Insurer's request will be paid as defense costs. Notwithstanding the provisions of Paragraph e.(2) of the Contractual Liability exclusion (as amended by this Endorsement), such payments will not be deemed to be damages for personal and advertising injury and will not reduce the limits of insurance. D. This PERSONAL AND ADVERTISING INJURY - LIMITED CONTRACTUAL LIABILITY Provision does not apply if Coverage B —Personal and Advertising Injury Liability is excluded by another endorsement attached to this Coverage Part. 17. PROPERTY DAMAGE — ELEVATORS A. Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended such that the Damage to Your Product Exclusion and subparagraphs (3), (4) and (6) of the Damage to Property Exclusion do not apply to property damage that results from the use of elevators. B. Solely for the purpose of the coverage provided by this PROPERTY DAMAGE — ELEVATORS Provision, the Other Insurance conditions is amended to add the following paragraph: 0 This insurance is excess over any of the other insurance, whether primary, excess, contingent or on any other basis that is Property insurance covering property of others damaged from the use of elevators. 0 0 18. SUPPLEMENTARY PAYMENTS 0 The section entitled SUPPLEMENTARY PAYMENTS — COVERAGES A AND B is amended as follows: A. Paragraph 1.b. is amended to delete the $250 limit shown for the cost of bail bonds and replace it with a $5,000. limit; and B. Paragraph 1.d. is amended to delete the limit of $250 shown for daily loss of earnings and replace it with a $1,000. limit. 19. PROPERTY DAMAGE - PATTERNS MOLDS AND DIES Under COVERAGES, Coverage A — Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete subparagraphs (3) and (4) of the Exclusion entitled Damage to Property, but only with respect to patterns, molds or dies that are in the care, custody or control of the Insured, and only if such patterns, molds or dies are not being used to perform operations at the time of loss. A limit of insurance of $25,000 per policy period applies to this PROPERTY DAMAGE - PATTERNS MOLDS AND DIES coverage, and this limit: CNA74872XX (1-15) Pol Page 13 of 14 EndorsemE Risk MmRgmerdDiMisian VALLEY FORGE INSURANCE COMPANY Effectiv o' , r, R�ED&APPROVmSY: Insured Name: LYRASIS INC f ;" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Technology General Liability Extension Endorsement A. is included within the General Aggregate Limit as described in LIMITS OF INSURANCE; and B. applies excess over any valid and collectible property insurance available to the Insured, including any deductible applicable to such insurance; the Other Insurance condition is changed accordingly. 20. UNINTENTIONAL FAILURE TO DISCLOSE HAZARDS If the Named Insured unintentionally fails to disclose all existing hazards at the inception date of the Named Insured's Coverage Part, the Insurer will not deny coverage under this Coverage Part because of such failure. 21. WAIVER OF SUBROGATION - BLANKET Under CONDITIONS, the condition entitled Transfer Of Rights Of Recovery Against Others To Us is amended to add the following: The Insurer waives any right of recovery the Insurer may have against any person or organization because of payments the Insurer makes for injury or damage arising out of: 1. the Named Insured's ongoing operations; or 2. your work included in the products -completed operations hazard. However, this waiver applies only when the Named Insured has agreed in writing to waive such rights of recovery in a written contract or written agreement, and only if such contract or agreement: 1. is in effect or becomes effective during the term of this Coverage Part; and 2. was executed prior to the bodily injury, property damage or personal and advertising injury giving rise to the claim. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74872XX (1-15) Pol Page 14 of 14 Endorsem RiskMmWmadDiAsion VALLEY FORGE INSURANCE COMPANY Effectiv 3� REVIEWED&APPROVED BY.- 1.1 Insured Name: LYRASIS INC pu-c-. JZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl l `� Risk Management Analyst CNA CNA PARAMOUNT General Aggregate Limit - Designated Locations Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART SCHEDULE Designated Locations: EACH OF YOUR "LOCATIONS" OWNED BY OR RENTED TO YOU FOR WHICH COVERAGE APPLIES IN THIS POLICY Information required to complete this Schedule, if not shown above, will be shown in the Declarations. It is understood and agreed as follows: For each single designated location shown in the Schedule above, a separate Designated Location General Aggregate Limit, equal to the amount of the General Aggregate Limit shown in the Declarations, is the most the Insurer will pay for the sum of: A. all damages under Coverage A, except damages because of bodily injury or property damage included in the products -completed operations hazard; and N B. all medical expenses under Coverage C; N r that arise from occurrences or accidents which can be attributed solely to ongoing operations at that designated location. Such payments shall not reduce the General Aggregate Limit shown in the Declarations, nor the Designated Location General Aggregate Limit applicable to any other designated location shown in the Schedule above. II. AII: A. damages under Coverage B, regardless of the number of locations or projects involved; B. damages under Coverage A, caused by occurrences which cannot be attributed solely to ongoing operations at a single designated location shown in the Schedule above, except damages because of bodily injury or property damage included in the products -completed operations hazard; and C. medical expenses under Coverage C caused by accidents which cannot be attributed solely to ongoing operations at a single designated location shown in the Schedule above, will reduce the General Aggregate Limit shown in the Declarations. III. The limits shown in the Declarations for Each Occurrence, for Damage To Premises Rented To You and for Medical Expense continue to apply, but will be subject to either the Designated Location General Aggregate Limit or the CNA74827XX (1-15) Pol Page 1 of 2 Endorsem �M�� VALLEY FORGE INSURANCE COMPANY Effectiv1.11 , r, R�EWED&APPROVmSY: Insured Name: LYRASIS INC pu-c- .e JZ. � Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT General Aggregate Limit - Designated Locations Endorsement General Aggregate Limit, depending on whether the occurrence can be attributed solely to ongoing operations at a single designated location shown in the Schedule above. IV. When coverage for liability arising out of the products -completed operations hazard is provided, any payments for damages because of bodily injury or property damage included in the products -completed operations hazard, regardless of the number of locations or projects involved, will reduce the Products -Completed Operations Aggregate Limit shown in the Declarations. V. For the purposes of this endorsement, the following Definition is added: Location means premises involving the same or connecting lots, or premises whose connection is interrupted only by a street, roadway, waterway or right-of-way of a railroad. VI. The provisions of LIMITS OF INSURANCE not otherwise modified by this endorsement shall continue to apply as stipulated. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74827XX (1-15) Pol Page 2 of 2 Endorsem RiskMmWmentaiAsion VALLEY FORGE INSURANCE COMPANY Effectiv 3� REVIEWED&APPROVED BY.- 1.1 Insured Name: LYRASIS INC pu-c-. JZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl l `� Risk Management Analyst CNA CNA PARAMOUNT Pollution Exclusion Amendatory Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed that under COVERAGES, Coverage A, Bodily Injury and Property Damage Liability, the paragraph entitled Exclusions is amended to delete paragraph (2) of exclusion f. Pollution, in its entirety, and replace it with the following: This insurance does not apply to: (2) Any loss, cost or expense arising out of any: (a) request, demand, order or statutory or regulatory requirement that any Insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of, pollutants; or (b) Claim by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to or assessing the effects of, pollutants. However, if liability for damages because of property damage is not excluded by paragraph (1) of this exclusion, then neither will paragraph (2)(a) above serve to exclude such damages. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74843XX (1-15) Pol Page 1 of 1 Endorsemriwi- �M��VALLEY FORGE INSURANCE COMPANY Effectiv R�EWED&APPROVmSY:Insured Name: LYRASIS INC pu-c- .e JZ. � Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Personal and Advertising Injury Specified Offenses Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed that the definition of Personal and Advertising Injury is deleted and replaced with the following: Personal and advertising injury means injury, including consequential bodily injury, arising out of one or more of the following offenses: a. false arrest, detention or imprisonment; b. malicious prosecution; or c. the wrongful eviction from, wrongful entry into, or invasion of the right of private occupancy of a room, dwelling or premises that a person occupies, committed by or on behalf of its owner, landlord or lessor. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74907XX (1-15) Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv iti z REVIEWED & APPROVED BY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Silica Exclusion Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed that the policy is amended as follows: I. Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions, is amended to add the following exclusion: This insurance does not apply to: A. bodily injury arising, in whole or in part, out of the actual, alleged or threatened: 1. respiration; or 2. ingestion; at any time of silica; or B. property damage arising in whole or in part out of the actual, alleged or threatened presence of silica. II. Under COVERAGES, Coverage B — Personal And Advertising Injury Liability, the paragraph entitled Exclusions, is amended to add the following exclusion: This insurance does not apply to personal and advertising injury arising, in whole or in part, out of the actual, alleged or threatened: A. exposure at any time to; or B. presence at any time of; silica. III. The following definition is added: Silica means the chemical compound silicon dioxide (Si02) in any form, including dust which contains silicon dioxide. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74687XX (1-15) Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv iti z REVIEWED & APPROVED BY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Fungi / Mold / Mildew / Yeast / Microbe Exclusion Endorsement - Georgia This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE FORM It is understood and agreed that the policy is amended as follows: I. Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions, is amended to add the following exclusion: This insurance does not apply to: A. bodily injury arising out of or relating to, in whole or in part, the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or growth or presence of any fungi or microbes on or within a building or structure, or on or within any contents of a building or structure. This exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence to such injury; B. property damage arising out of or relating to the actual, alleged or threatened contact with, exposure to, existence of, or growth or presence of any fungi or microbes on or within a building or structure, or on or within any contents of a building or structure; or C. any loss, cost or expense arising out of or relating to the testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating, disposing of, or in any way responding to or assessing the effects of, fungi or microbes, by any Insured or by anyone else. This exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence to such loss, cost or expense. However, this exclusion does not apply to: L any fungi or microbes that are, are on, or are contained in, a good or product intended for bodily consumption; or ii. microbes that were transmitted directly from person to person. II. Under COVERAGES, Coverage B — Personal And Advertising Injury Liability, the paragraph entitled Exclusions, is amended to add the following exclusion: This insurance does not apply to: A. personal and advertising injury arising out of or relating to, in whole or in part, the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or growth or presence of any fungi or microbes on or within a building or structure, or on or within any contents of a building or structure; B. any loss, cost or expense arising out of or relating to the testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating, disposing of, or in any way responding to or assessing the effects of, fungi or microbes, by any Insured or by anyone else. This exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage, loss, cost or expense. However, this exclusion does not apply to: L any fungi or microbes that are, are on, or are contained in, a good or product intended for bodily consumption; or ii. microbes that were transmitted directly from person to person. III. As used herein: A. fungi means any form of fungus, including but not limited to yeast, mold, mildew, rust, smut or mushroom, and including any spores, mycotoxins, odors, or any other substances, products, or byproducts produced by, released by or arising out of the current or past presence of fungi. CNA74708GA (1-15) Page 1 of 2 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDMSiun Effectiv 9 z REVIEWED & APPROVED BY. - Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Fungi / Mold / Mildew / Yeast / Microbe Exclusion Endorsement - Georgia B. microbe means any non -fungal microorganism, or non -fungal, colony -form organism, that causes infection or disease. Microbe includes any spores, mycotoxins, odors or any other substances, products or byproducts produced by, released by or arising out of the current or past presence of microbes. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74708GA (1-15) Page 2 of 2 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MmRgemerdDiAsion Effectiv i eco,a REVIEWED & APPROVED BY.- P'. VSA44a Copyright CNA All Rights Reserved. Risk Management Analyst CNA CNA PARAMOUNT Employment -Related Practices Exclusion Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed that under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability and Coverage B — Personal And Advertising Injury Liability, the paragraphs entitled Exclusions, are amended to add the following exclusion: This insurance does not apply to: Bodily injury or personal and advertising injury to: (1) a person arising out of any: (a) refusal to employ that person; (b) termination of that person's employment; or (c) employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or (2) the spouse, child, parent, brother or sister of that person as a consequence of bodily injury to that person at whom any of the employment -related practices described in Paragraphs (a), (b), or (c) above is directed. This exclusion applies: (1) whether the injury -causing event described in Paragraphs (a), (b) or (c) above occurs before employment, during employment or after employment of that person; (2) whether the Insured may be liable as an employer or in any other capacity; and (3) to any obligation to share damages with or repay someone else who must pay damages because of the injury. However, solely with respect to Coverage A, this exclusion does not apply to physical injury a person sustains during a job interview while attempting to demonstrate a physical capability or skill required by the job. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74761XX (1-15) Pol Page 1 of 1 EndorsemE Risk MmRgmerdDiMisian VALLEY FORGE INSURANCE COMPANY Effectiv o' , r, R�ED&APPROVmSY: Insured Name: LYRASIS INC f ;" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Exclusion - Access or Disclosure of Confidential or Personal Information and Data -Related Liability - with Limited Bodily Injury Exception Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART It is understood and agreed as follows: I. Under COVERAGES, Coverage A — Bodily Injury And Property Damage Liability, the paragraph entitled Exclusions, the exclusion entitled Electronic Data is deleted in its entirety and replaced with the following: This insurance does not apply to: Access Or Disclosure Of Confidential Or Personal Information And Data -related Liability Damages arising out of: (1) any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or. (2) the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relation expenses or any other loss, cost or expense incurred by the Named Insured or others arising out of that which is described in Paragraph (1) or (2) above. However, unless Paragraph (1) above applies, this exclusion does not apply to damages because of bodily injury. As used herein, electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD- ROMs, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. II. Under COVERAGES, Coverage B — Personal And Advertising Injury Liability, the paragraph entitled Exclusions is amended to add the following exclusion: Access Or Disclosure Of Confidential Or Personal Information This insurance does not apply to personal and advertising injury arising out of any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by the Named Insured or others arising out of any access to or disclosure of any person's or organization's confidential or personal information. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA75089XX (1-15) Pol Page 1 of 1 Endorsemriwi_ �Mm�VALLEY FORGE INSURANCE COMPANY Effectiv R�EWED&APPROVmSY:Insured Name: LYRASIS INC pu-c- .e JZ. r Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Technology Employee Benefits Liability Coverage Part Declarations Technology Initiative Policy Number: 6017210152 1. Named Name: LYRASIS INC Insured and mailing address Address: 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2955 2. Type of Organization Corporation 3. Limits of Insurance, Each Employee Limit $1 000 000 Deductible Employee Benefits Liability — all claims in the aggregate limit $2, 000, 000 Deductible — Each Employee $1, 0 0 0 4. Premium, Surcharges Taxes and Fees at Issuance Total Premium for this Coverage Part $429. 00 Total Premium, Surcharges Taxes and Fees for this Coverage Part $429 . 00 Your Premium includes the following amount for Certified Acts of Terrorism $4 . 0 0 5. Audit Period: Annual CNA74693XX 01-15 Copyright CNA All Rights Reserved. HortaN 3 z Risk MmWmerdDi sign REVIEWED & APPROVED BY: Risk Management Analyst CNA CNA PARAMOUNT Additional Declarations — Employee Benefits Liability Schedule of Locations and Coverages Policy Number: 6017210152 Location Level Location Number Location Address: 1 1438 W PEACHTREE ST NW SUITE 200 ATLANTA, GA 30309 Coverage/Hazard Description Exposure Premium Rate Estimated Basis Premium Each Employee Benefits Liability 62 Employee Incl $425 Location Sub -Total $425 CNA75133XX 01-15 Copyright CNA All Rights Reserved. HortaN Risk MmWmerdDi sign REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence I. COVERAGE The Insurer will pay those sums up to the applicable limit of insurance that the Insured becomes legally obligated to pay as damages as a result of a covered claim for an act, error or omission negligently committed in the administration of the Named Insured's employee benefit program provided that such act, error or omission: A. takes place in the coverage territory; B. was committed during the policy period; and C. prior to the effective date of the policy period: 1. no authorized insured knew or should have known of a claim or circumstance; 2. no Insured had given notice to a prior insurer of any related claim. The Insurer will pay all defense costs in connection with a covered claim. Such defense costs are in addition to the limits of insurance. II. DUTY TO DEFEND The Insurer has the right and duty to defend in the Insured's name and on the Insured's behalf any covered suit even if any of the allegations of such suit are groundless, false or fraudulent. The Insurer shall have the right to appoint counsel and to make such investigation and settlement of a claim as is deemed necessary by the Insurer. If a claim is subject to an arbitration proceeding or mediation proceeding, the Insurer shall be entitled to exercise all of the Insured's rights in the choice of arbitrators or mediators and in the conduct of an arbitration proceeding or mediation proceeding involving such claim. The Insurer is not obligated to investigate, defend, pay or settle, or continue to investigate, defend, pay or settle a claim after the applicable limit of the Insurer's liability has been exhausted by payment of damages. III. EXCLUSIONS This insurance does not apply to: A. Bodily Injury, Property Damage, or Personal and Advertising Injury any bodily injury, property damage or personal and advertising injury . 0 B. Dishonest, Fraudulent, Criminal or Malicious Act Damages 0 any intentional, dishonest, fraudulent, criminal or malicious act, error or omission, committed by any insured, 0 including the willful or reckless violation of any statute. 0 0 C. Employment -Related Practices any wrongful termination of employment, discrimination, or other employment -related practices. D. ERISA/Internal Revenue Code any act, error or omission in the Insured's capacity as a fiduciary under: 1. the Employee Retirement Income Security Act of 1974, as now or hereafter amended, or by any similar federal, state or local laws; or 2. the Internal Revenue Code of 1986 as now or hereafter amended. E. Failure to Perform a Contract any failure of performance of contract by any insurer. F. Inadequacy of Performance of Investment/Advice Given with Respect to Participation any: 1. failure of any investment to perform; CNA74721XX 01-15 Copyright CNA All Rights Reserved. �ortaN i� 'y RiskMmRgemerttDivisfan REVIEWED & APPROVED BY.- c 4' PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence 2. errors in providing information on past performance of investment vehicles; or 3. advice given to any person with respect to that person's decision to participate or not to participate in any plan included in the employee benefit program. G. Insufficiency of Funds any insufficiency of funds to meet any obligations under any plan included in the employee benefit program. H. Workers' Compensation and Similar Laws any failure to comply with the mandatory provisions of any workers' compensation, unemployment compensation insurance, social security or disability benefits law or any similar law. IV. LIMITS OF INSURANCE AND DEDUCTIBLE A. Limits of Insurance 1. Related Claims All related claims, whenever made, shall be considered a single claim first made during the policy period in which the earliest claim was first made. 2. Limit of insurance — each employee Subject to paragraph 2. below, the Insurer's limit of insurance for damages for all covered claims made by or behalf of any one employee including such employee's dependents or beneficiaries, shall not exceed the amount stated in the Coverage Part Declarations as "Employee Benefits Liability - each employee". 3. Limit of insurance - all claims in the aggregate The Insurer's limit of insurance for damages for all covered claims shall not exceed the amount stated in the Coverage Part Declarations as "Employee Benefits Liability — all claims in the aggregate", regardless of the number of employees. 4. Multiple insureds, claims, and claimants The limits of insurance shown in the Coverage Part Declarations and subject to the provisions of this policy, is the most the Insurer will pay as damages regardless of the number of Insureds, claims made or reported, persons or entities making claims, acts, errors or omission which result in damages or defense costs; employee benefit plans. B. Deductible The Insurer's obligation to pay damages on behalf of the Insured applies only to the amount of damages in excess of the deductible amount stated on the Coverage Part Declarations as applicable to each employee including such employee's dependents or beneficiaries. The limits of insurance shall not be reduced by the amount of this deductible. The deductible amount stated on the Coverage Part Declarations applies to all damages sustained by any one employee including such employee's dependents and beneficiaries, because of all acts, errors or omissions to which this insurance applies. The Insurer may pay any part or all of the deductible amount to effect settlement of any claim and, upon notification of the action taken, the Insured shall promptly reimburse the Insurer for such part of the deductible amount as the Insurer has paid. The Limits of Insurance of this coverage part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Policy Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. CNA74721XX 0 1 -15 Copyright CNA All Rights Reserved. ,a Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- ruEwL� 11. Yi&4441 Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence V. CONDITIONS Assistance and Cooperation If there is a claim the Insured must: A. forward to the Insurer or its designee, copies of the papers and documents, if any, which inform the Insured of a claim, including all notices, summonses or other processes regarding legal proceedings; B. fully cooperate with the Insurer or its designee in all investigations, the making of settlements, the conduct of suits or other proceedings, enforcing any right of contribution or indemnity against another who may be liable to the Insured because of the claim. The Insured shall attend hearings and trials, assist in securing and giving evidence, and obtaining the attendance of witnesses. Concealment, Misrepresentation and Fraud No concealment, misrepresentation or fraud shall avoid or defeat recovery under this coverage part unless such concealment, misrepresentation or fraud was material. Concealment, misrepresentation or fraud in the procurement of this coverage part which if known by the Insurer would have led to refusal by the Insurer to make this contract or provide coverage, or to make this contract or provide coverage on different terms or conditions, will be deemed material. Estates, Legal Representatives and Spouses The estates, heirs, legal representatives and spouse of any natural person Insured shall also be insured under this coverage part; provided, however, coverage is afforded to such estates, heirs, legal representatives, and spouse only for claims arising solely out of their capacity or status as such and, in the case of a spouse, where such claim seeks damages from marital community property, jointly held property or property transferred from such natural person Insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative, or spouse outside the scope of such person's capacity or status as such. Notice of Claims and Circumstances A. Notice of Circumstances The Insured must see to it that the Insurer is notified promptly of any circumstance. To the extent possible, notice should include: N 1. how, when and where the act, error or omission took place; 0 2. the names and addresses of any injured persons or organizations and witnesses; and 0 3. the nature and location of any injury or damage arising out of the occurrence or offense. B. Notice of Claims If a claim is made against any Insured, the Insured must: 1. immediately record the specifics of the claim and the date received; and 2. notify the Insurer in writing as soon as possible. C. The Insured must: 1. immediately send the Insurer copies of any demands, notices, summonses or legal papers received in connection with the claim; 2. authorize the Insurer to obtain records and other information. D. no Insureds will, except at their own cost, voluntarily make a payment, assume any obligation, or incur any expense without the Insurer's consent. CNA74721XX 01-15 Copyright CNA All Rights Reserved. �ortaN 3 r RiskMmRgemerttDivisfan REVIEWED & APPROVED BY.- c AA .e 1, +.cx�1.4a PZ. Y Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence Other Insurance If other valid and collectible insurance is available to the Insured for loss insured under this coverage part, the Insurer's obligations are limited as follows: A. Primary Insurance This insurance is primary. The Insurer's obligations are not affected unless any of the other insurance is also primary. Then, the Insurer will share with all that other insurance by the method described in Paragraph b. below. B. Method of Sharing If all of the other insurance permits contribution by equal shares, the Insurer will follow this method also. Under this approach each insurer contributes equal amounts until it has paid its applicable limit of insurance or none of the loss remains, whichever comes first. If any of the other insurance does not permit contribution by equal shares, the Insurer will contribute by limits. Under this method, each insurer's share is based on the ratio of its applicable limit of insurance to the total applicable limits of insurance of all insurers. Premium Audit A. The Insurer will compute all premiums for this coverage part in accordance with the Insurer rules and rates. B. Premium shown in this coverage part as advance premium is a deposit premium only. At the close of each audit period the Insurer will compute the earned premium for that period and send notice to the First Named Insured. The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium, the Insurer will return the excess to the First Named Insured. C. The First Named Insured must keep records of the information the Insurer need for premium computation, and send the Insurer copies at such times as the Insurer may request. Separation of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this policy to the First Named Insured, this insurance applies: A. as if each Named Insured were the only Named Insured; and B. separately to each Insured against whom a claim is made. Transfer of Rights of Recovery If any Insured for whom payment is made by the Insurer under this policy has rights to recover amounts from another, those rights are transferred to the Insurer to the extent of its payment. The Insured must do everything necessary after loss to secure the Insurer's rights and must do nothing to prejudice such rights. VI. DEFINITIONS Administration means: A. providing information to employees, including their dependents and beneficiaries, with respect to eligibility for or scope of employee benefit programs; B. handling records in connection with the employee benefit program; or C. effecting, continuing or terminating any employee's participation in any benefit included in the employee benefit program. However, administration does not include handling payroll deductions. CNA74721XX 01-15 Copyright CNA All Rights Reserved. �ortaN } r of RiskMmRgemerttDivisfan REVIEWED & APPROVED BY.- AA .e p PZ. Y1, +.cx�1.4a Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence Advertisement means a notice that is broadcast or published to the general public or specific market segments about the Named Insured's goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: A. notices that are published include material placed on the Internet or on similar electronic means of communication; and B. regarding web -sites, only that part of a web -site that is about the Named Insured's goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. Authorized Insured means any executive officer, member of the Named Insured's human resources, risk management or in-house general counsel's office, or any employee authorized by the Named Insured to give or receive notice of a claim. Bodily injury means physical injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury by that person at any time which results as a consequence of the bodily injury, sickness or disease. Cafeteria plans means plans authorized by applicable law to allow employees to elect to pay for certain benefits with pre-tax dollars. Claim means: A. suit; or B. a written or oral demand for damages alleging negligent acts, errors or omissions committed in the administration of the Named Insured's employee benefit plans. Circumstance means an act, error or omission reported during the policy period from which an executive officer reasonably expects that a claim could be made. Coverage part means only those coverage parts designated as included in the Schedule of Forms and Endorsements. Coverage territory means: A. the United States of America (including its territories and possessions), Puerto Rico and Canada; N B. international waters or airspace, but only if the injury or damage occurs in the course of travel or transportation N s between any places included in Paragraph A. above. N Damages means the amount an Insured is legally obligated to pay, either through: N O A. final adjudication of a covered claim; or B. through compromise or settlement of a covered claim with the Insurer's written consent or direction. In addition, damages includes the above mentioned sums only after deducting all other recoveries and salvages. However, damages does not include with respect to any claim; 1. restitution, return or disgorgement of fees, costs and expenses paid or incurred or charged by an Insured, no matter whether claimed as restitution of specific funds, forfeiture, financial loss, set-off or otherwise, and injuries that are a consequence of any of the foregoing; 2. civil or criminal fines, sanctions, penalties forfeitures, or taxes whether pursuant to statute, regulation or court rule, including those imposed under the Internal Revenue Code; 3. the multiplied portion of multiplied awards imposed pursuant to any statute or regulation requiring such awards; 4. injunctive or declaratory relief; CNA74721XX 01-15 Copyright CNA All Rights Reserved. �ortaN of RiskMmRgemerttDivisfan REVIEWED & APPROVED BY.- c 1, AA� �.e F�s.r,;.s.e PZ. Y+.cx�1.4a Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence 5. any amount that is not insurable under any applicable law; or 6. plaintiffs attorney fees associated with any of the above; 7. any amounts for benefits to the extent that such benefits are available, with reasonable effort and cooperation of the Insured, from the applicable funds accrued or other collectible insurance; or 8. any amounts that exceed the limits and restrictions that apply to the payment of benefits in any plan included in the employee benefit program. Defense costs mean: A. reasonable and necessary fees, costs, and expenses incurred by the Insurer or consented to by the Insurer and incurred by the Named Insured in the defense or appeal of a covered suit or in the investigation of any covered claim, and includes premium for appeal bonds arising out of a covered judgment, attachment bonds or similar bonds, but only for bond amounts up to the applicable limit of insurance. B. prejudgment interest awarded against an Insured on that part of a judgment covered by this coverage part. If the Insurer makes an offer to pay the applicable limit of insurance, the Insurer will not pay any prejudgment interest based on that period of time after the offer. C. post judgment interest which accrues after entry of judgment, but before the Insurer has paid or offered to pay, or deposited in court that part of the judgment which is within the applicable limit of insurance of this coverage part. The amount of interest the Insurer pays will be in direct proportion to the amount of damages the Insurer pays in relation to the total amount of the judgment. D. all reasonable expenses incurred by a natural person Insured at the Insurer's request to assist the Insurer in the investigation or defense of the claim. This includes such Insured's actual loss of earnings up to $1000.00 per day, because of time off from work; E. all court costs taxed against the Insured in the suit. However, these payments do not include attorneys' fees or attorneys' expenses taxed against the Insured. Payment of defense costs will not reduce the limit of insurance. Employee means a person actively employed, formerly employed, on leave of absence or disabled, or retired. Employee includes a leased worker. Employee does not include a temporary worker. Employee benefit program means a program providing some or all of the following benefits to the employees whether provided through a cafeteria plan or otherwise: A. group life insurance, group accident or health insurance, dental, vision and hearing plans, and flexible spending accounts, provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to those employees who satisfy the plan's eligibility requirements; B. profit sharing plans, employee savings plans, employee stock ownership plans, pension plans and stock subscription plans, provided that no one other than an employee may subscribe to such benefits and such benefits are made generally available to all employees who are eligible under the plan for such benefits; C. unemployment insurance, social security benefits, workers' compensation and disability benefits; or D. vacation plans, including buy and sell programs; leave of absence programs, including military, maternity, family, and civil leave; tuition assistance plans; transportation and health club subsidies. Executive Officer means any natural person holding any of the following positions created by the Named Insured's charter, constitution, bylaws or any other similar governing document: A. director, officer, trustee or governor of a corporation; B. management committee member of a joint venture; C. partner of a partnership; CNA74721XX 01-15 Copyright CNA All Rights Reserved. �ortaN RiskMmRgemerttDivisfan REVIEWED & APPROVED BY.- c 4' Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence D. manager of a limited liability company; E. trustee of a trust. An executive officer is not an employee. First Named Insured means the person or organization first listed as a Named Insured in the Declarations. Insured means any Named Insured and A. any natural person who was, is or becomes: 1. the Named Insured's executive officers, but only for the administration of the Named Insured's employee benefit program; or 2. the Named Insured's stockholders, but only with respect to their liability as stockholders. 3. the Named Insured's employees authorized to administer its employee benefit program; or 4. any natural person (including any employee), or any organization having proper temporary authorization to administer the Named Insured's employee benefit program, but only until an authorized legal representative is appointed on behalf of the Named Insured. B. any organization the Named Insured newly acquires or forms, other than a partnership or joint venture, and over which the Named Insured maintains ownership or majority interest, if there is no other similar insurance available to that organization. However: 1. coverage under this provision is afforded only until the 90th day after the Named Insured acquires or forms the organization or the end of the policy period, whichever is earlier; and 2. coverage does not apply to acts, errors or omissions that occurred before the Named Insured acquired or formed the organization. No person or organization is an insured with respect to the conduct of any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations. In addition to the above, the estates, heirs, legal representatives or spouses of any of the Named Insured's executive officers or employees qualifying as an Insured are also insured pursuant to the condition entitled Estates, Legal Representatives And Spouses. 0 Leased worker means a natural person leased to the Named Insured by a labor leasing firm under an agreement between the Named Insured and the labor leasing firm, to perform duties related to the conduct of the Named 0 Insured's business. Leased worker does not include a temporary worker. 0 0 Named Insured means the person or organization shown in the Declarations, and any other person or organization qualifying as a Named Insured under this coverage part. Occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. Personal and advertising injury means injury, including consequential bodily injury, arising out of one or more of the following offenses: A. false arrest, detention or imprisonment; B. malicious prosecution; C. wrongful eviction from, wrongful entry into, or the invasion of the right of private occupancy of a room, dwelling or premises that a natural person occupies committed by or on behalf of its owner, landlord or lessor; D. oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; E. oral or written publication, in any manner, of material that violates a natural person's rig CNA74721XX 01-15 Copyright CNA All Rights Reserved. �oRaN 3 RiskMmRgemerttDivisfan REVIEWED & APPROVED BY.- r of AA .e F�s.�;.s.e PZ. Y1, +.cx�1.4a Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability Coverage Part - Occurrence F. the use of another's advertising idea in the Named Insured's advertisement; or G. infringing upon another's copyright or slogan in the Named Insureds advertisement. Policy period means the period of time from the effective date and time of this Policy to the date and time of termination as shown in the Policy Declarations, or its earlier cancellation date. Property damage means physical injury to: A. tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or B. loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the occurrence that caused it. Related claims means all claims arising out of a single act, error or omission or arising out of related acts, errors or omissions negligently committed in the administration of the Insured Entity's employee benefits program. Spouse means any husband or wife or any person qualifying as a domestic partner under any federal, state or local laws or under the Named Insured's employee benefit plans or employee benefits program. Suit means a civil proceeding in which damages to which this insurance applies are alleged. Suit includes: A. an arbitration proceeding in which such damages are claimed and to which the Insured must submit or does submit with the Insurer's consent; or B. any other alternative dispute resolution proceeding in which such damages are claimed and to which the Insured submits with the Insurer's consent. Temporary worker means a worker who is furnished to the Named Insured to substitute for a permanent employee on leave or to meet seasonal or short-term workload conditions. Volunteer worker means a natural person who is not the Named Insured's employee, and who donates his or her work and acts at the direction of and within the scope of duties determined by the Named Insured, and is not paid a fee, salary or other compensation by the Named Insured or anyone else for their work performed for the Named Insured. CNA74721XX 0 1 -15 Copyright CNA All Rights Reserved. �oRaN } r ql Risk MmRgemerdDivisiun REVIEWED & APPROVED BY.- ,q,q FU-6- " . Y PZ Risk Management Analyst CNA CNA PARAMOUNT Employee Benefits Liability- Amended Definition of Executive Officer Endorsement This endorsement modifies insurance provided under the following: EMPLOYEE BENEFITS LIABILITY COVERAGE PART It is understood and agreed that under DEFINITIONS, the definition of Executive Officer is deleted and replaced by the following: Executive Officer means any natural person holding any of the following positions created by the Named Insured's charter, constitution, bylaws or any other similar governing document: A. director, officer, trustee or governor of a corporation. B. management committee member of a joint venture; C. partner of a partnership; D. manager of a limited liability company; or E. trustee of a trust. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA86269XX (10-16) Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv i i z REVIEWED & APPROVED BY.- °!Lsii 111 f u-c- .e P'. VSA44a Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT State Amendatory Endorsement (Employee Benefits Liability - Occurrence) — Georgia This endorsement modifies insurance provided under the following: EMPLOYEE BENEFITS LIABILITY COVERAGE PART - OCCURRENCE It is understood and agreed that: I. The Section entitled CONDITIONS, the paragraph entitled Concealment, Misrepresentation and Fraud is deleted in its entirety and replaced with the following: Concealment, Misrepresentation and Fraud No concealment, misrepresentation or fraud shall defeat recovery under this coverage part unless such concealment, misrepresentation or fraud was material. Concealment, misrepresentation or fraud in the procurement of this coverage part which if known by the Insurer would have led to refusal by the Insurer to make this contract or provide coverage, or to make this contract or provide coverage on different terms or conditions, will be deemed material. II. The Section entitled DEFINITIONS, the definition of Spouse is deleted in its entirety and replaced with the following: Spouse means any husband or wife under any federal, state or local laws or under the Named Insured's employee benefit plans or employee benefits program. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA75177GA (1-15) Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE RAMwaganadDiMisiun COMPANY EffectivE REVIEWED & APPROVED SY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Technology Stop Gap Coverage Part Declarations Technology Initiative Policy Number: 6017210152 1. Named Name: LYRASIS INC Insured and mailing address Address: 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2955 2. Type of Organization Corporation 3. Limits of Insurance, Bodily Injury by Accident — Each Accident Limit $1, 0 0 0 , 0 0 0 Deductibles Bodily Injury by Disease —Aggregate Limit $1, 000, 000 Bodily Injury by Disease— Each Employee Limit $1, 000, 000 4. Premium, Surcharges Taxes and Fees at Issuance Minimum Premium for this Coverage Part $382 . 00 Total Premium for this Coverage Part $35. 00 Total Premium, Surcharges Taxes and Fees for this Coverage Part $417 . 0 0 5. Designated States, Territories or Possessions: OH WY 6. Audit Period: Annual CNA7483OXX 01-15 Copyright CNA All Rights Reserved. HortaN Risk MmWmerdDi sign REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Additional Declarations - Stop Gap Liability Schedule of Locations and Coverages Policy Number: 6017210152 Location Level Location Number Location Address: 2 NO SPECIFIC LOCATION CHEYENNE, WY 82001 Coverage/Hazard Description Exposure Premium Rate Estimated Basis Premium Class Code 99999 Stop Gap Liability - Wyoming Stop Gap If Any, (P) $0 Location Number Location Address: 3 NO SPECIFIC LOCATION COLUMBUS, OH 43085 Coverage/Hazard Description Exposure Premium Rate Estimated Basis Premium Class Code C99999 Ohio Amendatory Stop Gap Liability - Ohio Stop Gap 440,624 (P) .008 $35 Premium Necessary to Meet Stop Gap Minimum $382 CNA75134XX 01-15 Copyright CNA All Rights Reserved. HortaN 3 z ' Risk MmWmerdDi Sian REVIEWED & APPROVED BY: Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Part Various provisions in this policy restrict coverage. Read the entire policy carefully to determine rights, duties and what is and is not covered. The word Insurer refers to the company providing this Insurance as set forth on the Policy Declarations. I. COVERAGE The Insurer will pay those sums up to the applicable limit of insurance that the Insured becomes legally obligated to pay as damages because of bodily injury to an employee of the Named Insured provided that such employee has been reported and declared under a Workers' Compensation Law of a state, territory or possession designated in the Coverage Part Declarations prior to sustaining bodily injury, and such bodily injury: A. is sustained by such employee and arises out of and in the course of such employee's employment; B. takes place in the coverage territory; C. is caused by: 1. an accident occurring during the policy period; or 2. a disease which is caused by or aggravated by conditions of such employee's employment. The employee's last day of last exposure to the conditions causing or aggravating such bodily injury by disease must occur during the policy period. The Insurer will pay all defense costs in connection with a covered claim. Such defense costs are in addition to the limits of insurance. II. DEFENSE A. Duty to Defend The Insurer has the right and duty to defend in the Insured's name and on the Insured's behalf any covered suit even if any of the allegations of such suit are groundless, false or fraudulent. The Insurer shall have the right to appoint counsel and to make such investigation and settlement of a claim as is deemed necessary by the Insurer. If a claim is subject to an arbitration proceeding or mediation proceeding, the Insurer shall be entitled to exercise all of the Insured's rights in the choice of arbitrators or mediators and in the conduct of an arbitration proceeding or mediation proceeding involving such claim. B. Exhaustion of Limits 0 N s The Insurer is not obligated to investigate, defend, pay or settle, or continue to investigate, defend, pay or settle a claim after the applicable limit of the Insurer's liability has been exhausted by payment of damages. In such case, the Insurer shall have the right to withdraw from the further investigation, defense, payment or settlement of such claim by tendering control of said investigation, defense or settlement of the claim to the Insured. III. EXCLUSIONS This insurance does not apply to bodily injury: A. Age: to an employee: 1. knowingly employed by the Named Insured in violation of any law as to age; or 2. under the age of 14 years, regardless of any such law. B. Aircraft arising out of aircraft operation or the performance of any duty in connection with aircraft while in flight. C. Contractual Liability arising out of liability assumed by the insured under any agreement or contract. CNA74934XX 01-15 Copyright CNA All Rights Reserved. �oRaN } r ql Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- ,q,q FU-6- " . Y PZ Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Part D. Failure to Comply to an employee when the such employee is deprived of common law defenses or otherwise subject to penalty because of the Named Insured's failure to secure its obligations under, or other failure to comply with, the Workers' Compensation Law; E. Intentionally Caused intentionally caused or aggravated by the Named Insured, or resulting from an act which is determined to have been committed by the Named Insured with the belief that bodily injury is substantially certain to occur; F. Wrongful Employment Practices arising out of coercion, criticism, demotion, evaluations, reassignment, discipline, defamation, harassment, humiliation, discrimination against or termination of any employee, or personnel practices, policies, acts or omissions. IV. LIMITS OF INSURANCE A. The Limits of Insurance shown in the Coverage Part Declarations and the rules below fix the most the Insurer will pay regardless of the number of: 1. Insureds; 2. claims made; or 3. persons or organizations making claims or bringing suits. B. Bodily injury by Accident. The limit shown under bodily injury by Accident— Each Accident in the Coverage Part Declarations is the most the Insurer will pay for all damages because of bodily injury to one or more employees in any one accident. C. Bodily injury by Disease. The limit shown under bodily injury by Disease — Aggregate Limit in the Coverage Part Declarations is the most the Insurer will pay all damages because of bodily injury by disease, regardless of the number of employees who sustain bodily injury by disease. Bodily injury by disease does not include disease that results directly from bodily injury by accident. D. Bodily injury by Disease. Subject to Paragraph C. above, the limit shown under bodily injury by Disease — Each employee in the Coverage Part Declarations is the most the Insurer will pay for all damages because of bodily injury by disease to any one employee Bodily injury by disease does not include disease that results directly from bodily injury by accident. The limits of this Coverage part apply separately to each consecutive annual period and to any remaining period of less than 12 months, starting with the beginning of the policy period shown in the Policy Declarations, unless the policy period is extended after issuance for an additional period of less than 12 months. In that case, the additional period will be deemed part of the last preceding period for purposes of determining the Limits of Insurance. V. CONDITIONS Assistance and Cooperation If there is a claim, the Insured must: A. forward to the Insurer or its designee, copies of the papers and documents, if any, which inform the Insured of a claim, including all notices, summonses or other processes regarding legal proceedings; B. fully cooperate with the Insurer or its designee in all investigations, the making of settlements, the conduct of suits or other proceedings, enforcing any right of contribution or indemnity against another who may be liable to the Insured because of the claim. The Insured shall attend hearings and trials, assist in securing and giving evidence, and obtaining the attendance of witnesses. CNA74934XX 01-15 Copyright CNA All Rights Reserved. �oRaN RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY.- of c 1, AA� �.e F�s.r,;.s.e PZ. Y+.cx�1.4a Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Part Concealment, Misrepresentation and Fraud No concealment, misrepresentation or fraud shall avoid or defeat recovery under this policy unless such concealment, misrepresentation or fraud was material. Concealment, misrepresentation or fraud in the procurement of this policy which if known by the Insurer would have led to refusal by the Insurer to make this contract or provide coverage, or to make this contract or provide coverage on different terms or conditions, will be deemed material. Estates, Legal Representatives and Spouses The estates, heirs, legal representatives and spouse of any natural person Insured shall also be insured under this coverage part; provided, however, coverage is afforded to such estates, heirs, legal representatives, and spouse only for claims arising solely out of their capacity or status as such and, in the case of a spouse, where such claim seeks damages from marital community property, jointly held property or property transferred from such natural person Insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative, or spouse outside the scope of such person's capacity or status as such provided. Notice of Claims and Potential Claims A. The Insured must see to it that the Insurer is notified promptly of any act, error or omission committed in the administration of the Named Insured's employee benefit program that may reasonably be expected to be the basis of a claim against the Insured. To the extent possible, notice should include: 1. how, when and where the act, error or omission took place; 2. the names and addresses of any injured persons or organizations and witnesses; and 3. the nature and location of any injury or damage arising out of the occurrence or offense. B. If a claim is made against any Insured, the Insured must: 1. immediately record the specifics of the claim and the date received; and 2. notify the Insurer in writing as soon as possible. C. The Insured must: 1. immediately send the Insurer copies of any demands, notices, summonses or legal papers received in connection with the claim; 2. authorize the Insurer to obtain records and other information. D. no insureds will, except at their own cost, voluntarily make a payment, assume any obligation, or incur any expense without the Insurer's consent. Other Insurance This insurance is in excess over any other valid and collectible insurance. The Insurer has no duty to defend the insured against any suit if any other insurer has a duty to defend the insured against that suit. If no other insurer defends, the Insurer will undertake to do so, but the Insurer will be entitled to the insured's rights against all those other insurers. If this insurance is excess over other insurance, the Insurer will pay only the Insurer share of the amount of the loss, if any, that exceeds the sum of: A. the total amount of that all such other insurance, would pay for the loss in the absence of this insurance; and B. the total of all deductible and self -insured amounts under all that other insurance. Premium Audit A. The Insurer will compute all premiums for this Coverage part in accordance with the Insurer rules and rates. B. Premium shown in this Coverage part as advance premium is a deposit premium only period the Insurer will compute the earned premium for that period and send notice tc CNA74934XX 01-15 Copyright CNA All Rights Reserved. �oRaN RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Part The due date for audit and retrospective premiums is the date shown as the due date on the bill. If the sum of the advance and audit premiums paid for the policy term is greater than the earned premium, the Insurer will return the excess to the first Named Insured. C. The First Named Insured must keep records of the information the Insurer need for premium computation, and send the Insurer copies at such times as the Insurer may request. Separation of Insureds Except with respect to the Limits of Insurance, and any rights or duties specifically assigned in this coverage part to the First Named Insured, this insurance applies: A. as if each Named Insured were the only Named Insured; and B. separately to each Insured against whom a claim is made. Transfer of Rights of Recovery If any Insured for whom payment is made by the Insurer under this policy has rights to recover amounts from another, those rights are transferred to the Insurer to the extent of its payment. The Insured must do everything necessary after loss to secure the Insurer's rights and must do nothing to prejudice such rights. VI. DEFINITIONS Authorized Insured means any executive officer, member of the Named Insured's human resources, risk management or in-house general counsel's office, or any employee authorized by the Named Insured to give or receive notice of a claim. Bodily injury means physical injury, sickness or disease sustained by a person, including death resulting from any of these at any time. Coverage Part means only those coverage parts designated as included in the Schedule of Forms and Endorsements. Coverage territory means: A. the United States of America (including its territories and possessions), Puerto Rico and Canada; and B. international waters or airspace, but only if the bodily injury occurs in the course of travel or transportation between any places included in Paragraph A. above. Claim means: A. suit; or B. a written or oral demand for damages, alleging bodily injury to an employee. Damages means the amount an Insured is legally obligated to pay, either through: A. final adjudication of a covered claim; or B. through compromise or settlement of a covered claim with the Insurer's written consent or direction; Including those amounts for which an Insured is liable pursuant to A. and B. above: 1. that an Insured must pay for care, loss of services and death resulting at any time from the bodily injury; and 2. for which the Named Insured is liable to a third party by reason of a claim against the Named Insured by that third party to recover the damages claimed against such third party as a result of injury to the Named Insured's employee; CNA74934XX 01-15 Copyright CNA All Rights Reserved. �oRaN RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY.- ql s.r; s.e PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Part in connection with consequential bodily injury to a spouse, child, parent, brother or sister of the injured employee; provided that such amounts are the direct consequence of bodily injury that arises out of and in the course of the injured employee's employment by the Named Insured 4. that arise out of and in the course of employment, where the claim alleging such bodily injury is made against the Named Insured in a capacity other than as employer. In addition, damages includes the above -mentioned sums only after deducting all other recoveries and salvages. However, damages does not include: a. the multiplied portion of multiplied awards imposed pursuant to any statute or regulation requiring such awards; or b. any premium, assessment, penalty, fine, benefit, liability or other obligation imposed by: i. The Federal Employer's Liability Act (45 USC Sections 51-60); ii. The Non -appropriated Fund Instrumentalities Act (5 USC Sections 8171-8173); iii. The Longshore and Harbor Workers' Compensation Act (33 USC Sections 910-950); iv. The Outer Continental Shelf Lands Act (43 USC Sections 1331-1356); v. The Defense Base Act (42 USC Sections 1651-1654); vi. The Federal Coal Mine Health and Safety Act of 1969 (30 USC Sections 901-942); vii. The Migrant and Seasonal Agricultural Worker Protection Act (29 USC Sections 1801-1872); and viii. Any other Workers' Compensation, unemployment compensation or disability laws or any similar law Defense costs mean: A. reasonable and necessary fees, costs, and expenses incurred by the Insurer or consented to by the Insurer and incurred by the Named Insured in the defense or appeal of a covered suit or in the investigation of any covered claim, and includes premium for appeal bonds arising out of a covered judgment, attachment bonds or similar bonds, but only for bond amounts up to the applicable limit of insurance. B. prejudgment interest awarded against an Insured on that part of a judgment covered by this coverage part. If the Insurer makers an offer to pay the applicable limit of insurance, the Insurer will not pay any prejudgment interest based on that period of time after the offer. N r C. post judgment interest which accrues after entry of judgment, but before the Insurer has paid or offered to pay, or deposited in court that part of the judgment which is within the applicable limit of insurance of this coverage part. The amount of interest the Insurer pays will be in direct proportion to the amount of damages the Insurer pays in relation to the total amount of the judgment. D. all reasonable expenses incurred by a natural person Insured at the Insurer's request to assist the Insurer in the investigation or defense of the claim. This includes such Insured's actual loss of earnings up to $1000.00 per day, because of time off from work; E. all court costs taxed against the Insured in the suit. However, these payments do not include attorneys' fees or attorneys' expenses taxed against the Insured. Payment of defense costs will not reduce the limit of insurance. Employee means any employee but does not include a leased worker or a temporary worker. Executive Officer means any natural person holding any of the following positions created by the Named Insured's charter, constitution, bylaws or any other similar governing document: A. director, officer, trustee or governor of a corporation. B. management committee member of a joint venture; CNA74934XX 01-15 Copyright CNA All Rights Reserved. �ortaN i� 'y ql RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY.- 4' pu-c-;" PZ. VSA44a Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Part C. partner of a partnership; D. manager of a limited liability company; E. trustee of a trust. An executive officer is not an employee. First Named Insured means the person or organization first listed as a Named Insured in the Declarations. Insured means any Named Insured and, A. any natural person who was, is or becomes: 1. the Named Insured's executive officers but only with respect to their acts in the conduct of the Named Insured's business; or 2. the Named Insured's stockholders, but only with respect to their liability as stockholders. 3. the Named Insured's employees or volunteer workers, but only with respect to their acts in the conduct of the Named Insured's business. B. Any organization the Named Insured newly acquires or forms, other than a partnership or joint venture, and over which the Named Insured maintains ownership or majority interest, if there is no other similar insurance available to that organization. However: 1. coverage under this provision is afforded only until the 90th day after the Named Insured acquires or forms the organization or the end of the policy period, whichever is earlier; and 2. coverage does not apply to bodily injury that occurred before the Named Insured acquired or formed the organization. No person or organization is an insured with respect to the conduct or any current or past partnership or joint venture that is not shown as a Named Insured in the Declarations. In addition to the above, the estates, heirs, legal representatives or spouses of any of the Named Insured's executive officers or employees qualifying as an Insured are also insured pursuant to the condition entitled Estates, Legal Representatives And Spouses. Leased worker means a natural person leased to the Named Insured by a labor -leasing firm under an agreement between the Named Insured and the labor -leasing firm, to perform duties related to the conduct of the Named Insured's business. Leased worker does not include a temporary worker. Named Insured means the person or organization shown in the Declarations, and any other person or organization qualifying as a Named Insured under this policy. Policy period means the period of time from the effective date and time of this Policy to the date and time of termination as shown in the Policy Declarations, or its earlier cancellation date. Spouse means any husband or wife or any person qualifying as a domestic partner under any applicable federal, state or local laws or under the Named Insured's employee benefit plans or employee benefits program. Suit means a civil proceeding in which damages because of bodily injury to which this insurance applies are alleged. Suit includes: A. an arbitration proceeding in which such damages are claimed and to which the Insured must submit or does submit with the Insurer's consent; or B. any other alternative dispute resolution proceeding in which such damages are claimed and to which the Insured submits with the Insurer's consent. Temporary worker means a person who is furnished to the Named Insured to substitute for a permanent employee on leave or to meet seasonal or short-term workload conditions. CNA74934XX 01-15 Copyright CNA All Rights Reserved. �oRaN 3 RiskMmRgemerttDiAsfan REVIEWED & APPROVED BY.- r c AA .e 1, +.cx�1.4a PZ. Y Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Part Workers' Compensation Law means the Workers' Compensation Law and any Occupational Disease Law. This does not include provisions of any law providing non -occupational disability benefits of each state, territory or possession named in the Coverage Part Declarations. CNA74934XX 01-15 Copyright CNA All Rights Reserved. �oRaN } r ql Risk MmRgemerdDi isfan REVIEWED & APPROVED BY.- ,q,q FU-6- " . Y PZ Risk Management Analyst CNA CNA PARAMOUNT Duty to Defend Endorsement - Wyoming This endorsement modifies insurance provided under the following: STOP GAP LIABILITY COVERAGE FORM It is understood and agreed that: I. Under DEFENSE, the first sentence in the paragraph entitled Exhaustion of Limits is deleted and replaced as follows: The Insurer is not obligated to investigate, defend, pay or settle, or continue to investigate, defend, pay or settle a claim after the applicable limit of the Insurer's liability has been exhausted by payment of damages or after the Insurer has deposited the remaining available limits of liability into a court of competent jurisdiction in satisfaction of a judgment or settlement. II. Under the definition of Defense Cost, paragraph B. is deleted. III. The definition of Damages is amended to add the following: Prejudgment interest awarded against an Insured on that part of a judgment covered by this Coverage Part. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74920WY (1-15) Pol Page 1 of 1 Endorsemriwi- �M��VALLEY FORGE INSURANCE COMPANY Effectiv R�EWED&APPROVmSY:Insured Name: LYRASIS INC pu-c- .e JZ. � Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability Coverage Endorsement - Ohio This endorsement modifies insurance provided under the following: STOP GAP LIABILITY COVERAGE PART It is understood and agreed that under EXCLUSIONS, the paragraph entitled Intentionally Caused, is deleted and replaced as follows: This insurance does not apply to any actual or alleged bodily injury caused by employer acts committed with the deliberate intent to injure an employee, or committed with the belief that injury is substantially certain to occur. However, to the fullest extent allowed by Ohio law, this exclusion does not apply to bodily injury caused by employer acts that under Ohio law create a rebuttable presumption of intent to injure another. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA752670H (1-15) Pol Page 1 of 1 Endorsem Risk MmwmedDiAsiun VALLEY FORGE INSURANCE COMPANY Effectiv R�EWED&APPROVED BY.- Insured Name: LYRASIS INC 1.11 pu-c- .e JZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Stop Gap Liability - Amend Definition of Employee and Executive Officer Endorsement This endorsement modifies insurance provided under the following: STOP GAP LIABILITY COVERAGE PART It is understood and agreed that under DEFINITIONS, the definitions of Employee and Executive Officer are deleted and replaced by the following: Employee includes a leased worker, but only if such leased worker has been reported and declared by the Named Insured under a Workers' Compensation Law of a state, territory, commonwealth or possession designated in the Coverage Part Declarations prior to sustaining bodily injury. Employee does not include a temporary worker. Executive Officer means any natural person holding any of the following positions created by the Named Insured's charter, constitution, bylaws or any other similar governing document: A. director, officer, trustee or governor of a corporation. B. management committee member of a joint venture; C. partner of a partnership; D. manager of a limited liability company; or E. trustee of a trust. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA83894XX (10-15) Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv i i z REVIEWED & APPROVED BY.- °!Lsii 111 f u-c- .e P'. VSA44a Copyright CNA All Rights Reserved. `�� Risk Management Analyst CNA CNA PARAMOUNT Amendment to Policy Declarations — Named Insured Endorsement It is understood and agreed as follows: The Policy Declarations is amended as follows: A. I-0 Addition of Named Insureds: The following are added as Named Insureds: Name and Address of Named Insured LYRASIS INC LYRASIS 1438, INC. 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2955 Deletion of Named Insured: The following are deleted as Named Insureds: All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA6270OXX 09-12 Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC COMPANY Copyright CNA All Rights Reserved. Pc Endorsen Effecti) �oRaN� 3 RiskMaaganerdDivisian REVIEWED & APPROVED BY.- Risk Management Analyst CNA CNA PARAMOUNT Broad Named Insured Endorsement This endorsement modifies insurance provided under the following: EMPLOYEE BENEFITS LIABILITY COVERAGE PART STOP GAP LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART It is understood and agreed as follows: I. The WHO IS AN INSURED Section is amended to delete its Paragraph 3. in its entirety and replace it with the following: 3. Pursuant to the limitations described in Paragraph IV. below, any organization in which a Named Insured has management control: a. on the effective date of this Coverage Part; or b. by reason of a Named Insured creating or acquiring the organization during the policy period, qualifies as a Named Insured, provided that there is there is no other similar liability insurance, whether primary, contributory, excess, contingent or otherwise, which provides coverage to such organization, or which would have provided coverage but for the exhaustion of its limit, and without regard to whether its coverage is broader or narrower than that provided by this insurance. However, this BROAD NAMED INSURED provision does not apply to: (a) any partnership, limited liability company or joint venture; or (b) any organization for which coverage is excluded by another endorsement attached to this Coverage Part. II. Solely with respect to organizations which qualify as Named Insureds by virtue of this Endorsement, this insurance does not apply to: a. bodily injury or property damage that first occurred prior to the date of management control, or that first occurs after management control ceases; nor b. personal or advertising injury caused by an offense that first occurred prior to the date of management control or that first occurs after management control ceases. III. The insurance provided by this Coverage Part applies to Named Insureds when trading under their own names or N under such other trading names or doing -business -as names as any Named Insured should choose to employ. N IV. For the purposes of this endorsement, a new definition is added as follows: 0 0 Management control means: 0 0 A. owning interests representing more than 50% of the voting, appointment or designation power for the selection of a majority of: the Board of Directors of a corporation; or B. having the right, pursuant to a written trust agreement, to protect, control the use of, encumber or transfer or sell property held by a trust. V. If the coverage part to which this endorsement applies is part of a package policy that also contains a Commercial General Liability Coverage Part (CGL) that has been endorsed: A. with a Broad Named Insured provision, then the CGL's Broad Named Insured provision's terms hereby replace this endorsement's terms, including any terms applicable to management control, limited liability companies or joint ventures; or B. to exclude from coverage an organization that otherwise would qualify as a Named Insured under this (Broad Named Insured) endorsement, then such an organization is also excluded from the coverage provided by this coverage part. CNA75108XX (1-15) Po Page 1 of 2 EndorsemE Risk MmRgmerdDiAsiun VALLEY FORGE INSURANCE COMPANY Effectiv 3 �,? r, RE�AEWED&APPROVED BY. - Insured Name: LYRASIS INC Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Broad Named Insured Endorsement All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA75108XX (1-15) Page 2 of 2 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MmRgemerdDiAsion Effectiv i eco,a REVIEWED & APPROVED BY.- P'. VSA44a Copyright CNA All Rights Reserved. Risk Management Analyst CNA CNA PARAMOUNT Bridge Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART It is understood and agreed as follows: I. The Common Terms and Conditions are amended to delete the sections entitled "Bankruptcy" and "No Suit Against Insurer" as the conditions section of the Coverage Part has more specific conditions of its own. II. The conditions section is amended to delete the condition entitled When We Do Not Renew. Please refer instead to Condition III. CANCELLATION/NONRENEWAL of the Common Terms and Conditions. III. The DEFINITIONS section is amended to add the following new definitions: Claim means: A. a suit; or B. a written or oral demand for damages alleging injury to which this insurance applies. Coverage part means only those coverage parts designated as included in the Schedule of Forms and Endorsements. Damages means the amount an Insured is legally obligated to pay, either through: A. final adjudication of a covered claim; or B. through compromise or settlement of a covered claim with the Insurer's written consent or direction. Defense costs means those amounts set forth under the SUPPLEMENTARY PAYMENTS section of any applicable coverage part. First Named Insured means the person or organization first listed as a Named Insured in the Declarations. Insured means those persons or organizations as set forth in the section entitled Who is an Insured. Named Insured means the persons or organizations named as such in the Declarations and any other person or organization qualifying as a named insured under this policy. Policy period means the period of time from the effective date and time of this Policy to the date and time of termination as shown in the Policy Declarations, or its earlier cancellation date. Spouse means any husband or wife or any person qualifying as a domestic partner under any applicable federal, state or local laws or under the Named Insured's employee benefit plans. IV. Where the phrase "claim or suit" appears, it is deleted and replaced with the defined term claim. V. Any reference to "the Insurer" in this Policy refers to the company providing this insurance. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA62646XX (1-15) Page 1 of 1 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MwaganadDiMisiun Effectiv �z z REVIEWED & APPROVED BY.- f P". Vj&wd Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Cancellation / Nonrenewal Endorsement - Georgia Wherever used in this endorsement: 1) Insurer means "we", "us", "our" or the "Company" as those terms may be defined in the policy; and 2) first Named Insured means the person or entity first named on the declarations page; and 3) "Insureds" means all persons or entities afforded coverage under the policy. Any cancellation, non -renewal or termination provisions in the policy are deleted in their entirety and replaced with the following: CANCELLATION AND NON -RENEWAL A. CANCELLATION, NON -RENEWAL AND CONDITIONAL RENEWAL The first Named Insured may request cancellation of this Policy by: 1. Returning this Policy to the Insurer; or 2. Giving the Insurer or the Insurer's authorized agent advance notice of cancellation in one or more of the following ways: a. Orally; b. Electronically; or c. Mailing or delivering to the Insurer written notice stating a future date on which the policy is to be canceled. Such cancellation will be accomplished in the following manner: a. If only the interest of the first Named Insured is affected, the policy shall be canceled effective on the later of the date: 1) the policy is returned to the Insurer; 2) The Insurer receives notice from the first Named Insured; or 3) specified in the notice; provided, however, that upon receipt of a notice of cancellation from the first Named Insured, the Insurer may waive the future date requirement by confirming the date and the time of cancellation to the first Named Insured. b. If by statute, regulation, or contract the policy may not be canceled unless notice is given to a governmental agency, mortgagee, or other third party, the Insurer will mail or deliver such notice stating the date the cancellation will become effective, but such date will not be less than ten (10) days from the date of mailing or delivery of the notice. c. In the event of oral cancellation, the Insurer shall within 10 days provide the first Named Insured, electronically or in writing, confirmation of such requested cancellation. d. The Insurer may require that the first Named Insured provide written, electronic or other recorded verification of the request for cancellation prior to such cancellation taking effect. 3. If the policy has been in effect for less than sixty (60) days and is not a renewal the Insurer may cancel the policy for any reason by mailing or delivering written notice to the first Named Insured, at the last mailing address known to the Insurer, at least ten (10) days before the effective date of cancellation. 4. If the policy has been in effect for sixty (60) days or more or if it is a renewal, a notice of termination, including a notice of cancellation or non -renewal, by the Insurer, a notice of increase in premiums, other than an increase in premiums due to a change in risk or exposure, including a change in experience modification or resulting from an audit of auditable coverages, which exceeds fifteen percent (15%) of the current policy's premium, or a notice of change in any policy provision which limits or restricts coverage, the Insurer will mail or deliver written notice to the first Named Insured, at the last mailing address known to the Insurer, at least: a. ten (10) days before the effective date of cancellation, if the Insurer cancels for nonpayment of premium; or b. sixty (60) days before the effective date of cancellation, if the Insurer cancels for a reason other than nonpayment of premium; or c. sixty (60) days before the expiration date of the policy, if the Insurer decides to non -renew, increase the premium or limit or restrict coverage. CNA62814GA (12-19) Page 1 of 2 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDMSiun Effectiv �/ z REVIEWED & APPROVED BY. - Copyright CNA All Rights Reserved. `�� Risk Management Analyst CNA CNA PARAMOUNT Cancellation / Nonrenewal Endorsement - Georgia In those cases where an increase in premium exceeds fifteen percent (15%), the notice to the first Named Insured will indicate the dollar amount of the increase. 5. If this policy is terminated, the Insurer will send the first Named Insured any premium refund due. If the Insurer cancels the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if the Insurer has not made or offered a refund. 6. The notice of cancellation or non -renewal will state the actual reason for the cancellation or non -renewal. 7. Notice of cancellation or non -renewal will state the effective date of cancellation or non -renewal. The policy period will end on that date. 8. If notice is mailed, proof of mailing will be sufficient proof of notice All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA62814GA (12-19) Page 2 of 2 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MmRgemerdDiAsion Effectiv i eco,a REVIEWED & APPROVED BY.- P'. VSA44a Copyright CNA All Rights Reserved. Risk Management Analyst CNA CNA PARAMOUNT Amendatory Endorsement - Georgia It is understood and agreed as follows: I. The following changes apply under First Party Terms and Conditions: A. The CONCEALMENT, MISREPRESENTATION AND FRAUD condition is deleted and replaced with the following: CONCEALMENT, MISREPRESENTATION AND FRAUD This entire policy shall be canceled if, whether before or after a loss, the Named Insured or designated representative: A. has concealed or misrepresented any material fact or circumstance concerning: 1. this insurance or the subject thereof; 2. the interest of the Named Insured therein; or 3. any claim; or B. has falsely sworn to any such material fact or circumstance. B. The OTHER INSURANCE condition is deleted and replaced with the following: OTHER INSURANCE A. The Named Insured may have other insurance subject to the same plan, terms, conditions, and provisions as the insurance under this coverage part. If so, the Insurer will pay the Insurer's share of the covered loss or damage. The Insurer's share is the proportion that the applicable Limit of Insurance under this coverage part bears to the sum of all the Limits of Insurance covering on the same basis. B. If the Named Insured has other insurance covering the same loss or damage other than described in Paragraph A. above, the Insurer will pay only the least of the following amounts: 1. any Limit of Insurance applicable to the covered property that has sustained such loss or damage; 2. the amount of covered loss or damage in excess of the amount due from that other insurance, whether the Named Insured can collect on it or not, without application of deductible amounts contained elsewhere in this coverage part; or 3. the amount the Insurer would have paid had such other insurance not existed. C. Paragraphs A. and B. above do not apply to other insurance that is purchased as insurance in excess of the Limit of Insurance under this coverage part. C. The following new conditions are added: • For any property in transit coverage provided under this coverage part, in the event of loss of or damage to such property, the Named Insured must, as soon as practical, make a claim in writing against the carrier, bailee or others involved. This condition replaces any similar transit coverage condition that may be applicable under this coverage part. • Any minimum retained premiums described in this coverage part do not apply. II. The following changes apply under First Party Glossary of Defined Terms: A. The definition of Act or Decision is deleted and replaced with the following: Act or decision means any act or decision (unless taken to protect life or property), whether intentional or negligent, including the failure to act or decide, of any person, group, organization or governmental body which creates or allows a result which is unexpected, inadequate, defective, faulty or otherwise unsuitable for the intended purpose, CNA62815GA (01-20) Page 1 of 3 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv i i z REVIEWED & APPROVED BY. - Copyright CNA All Rights Reserved. `�� Risk Management Analyst CNA CNA PARAMOUNT Amendatory Endorsement - Georgia B. The definition of Coverage Territory is deleted and replaced with the following: Coverage territory means the United States of America, its territories or possessions, Canada, or Puerto Rico. Coverage territory does not include any waterborne shipment to or from Alaska, Puerto Rico, Hawaii or territories or possessions of the United States of America. If coverage for Certified Acts of Terrorism is provided under this coverage part, coverage territory also includes the following if the Certified Act of Terrorism loss occurs: A. On or to an air carrier (as defined in section 40102 of title 49, United States Code); B. On or to a United States flag vessel (or a vessel based principally in the United States, on which United States income tax is paid and whose insurance coverage is subject to regulation in the United States); or C. At a premises of a United States mission. to the extent the above are covered under this coverage part. C. The definition of Earth Movement is deleted and replaced with the following: Earth movement means: A. earthquake or other seismic activity (including but not limited to underground magma activity) including any earth rising, sinking or shifting related to such event; B. earth sinking, rising or shifting, including soil conditions, which causes settling, cracking or other disarrangement of foundations or other parts of realty. Soil conditions include contraction, expansion, freezing, thawing, erosion, improperly compacted soil and the action of water under the ground surface; or C. mine subsidence of a man-made mine. Earth movement does not include landslide, avalanche, tsunami, sinkhole collapse or volcanic eruption. III. The following changes apply under the Business Property Coverage Part: A. The following exclusion is added to Other Excluded Perils under the EXCLUSIONS section: • The Insurer will not pay for loss or damage arising out of any act committed: a. By or at the direction of any Insured; and b. With the intent to cause a loss. However, this exclusion will not apply to deny coverage to an innocent co-insured, provided the loss: a. Is otherwise covered under this Coverage Part; and b. Arose out of an act of family violence or sexual assault by an insured against whom a family violence or sexual assault complaint is brought for such act. If the Insurer pays a claim pursuant to the above paragraphs, such payment to the Named Insured is limited to that Named Insured's legal interest in the property less any payments the Insurer first made to a mortgage holder or other party with a legal secured interest in the property. In no event will the Insurer pay more than the applicable Limit of Insurance. B. Subparagraph 4. under Fungi, Wet Rot, Dry Rot and Microbe Coverage — Property Damage and Time Element Combined in the ADDITIONAL COVERAGES section is deleted and replaced by the following: 4. The Fungi, Wet Rot, Dry Rot and Microbes Excluded Peril under the EXCLUSIONS section does not apply, but only to the extent of the coverage provided under this Fungi, Wet Rot, Dry Rot and Microbe Coverage — Property Damage and Time Element Combined ADDITIONAL COVERAGE. With respect to the portion of covered property that would still have required repair or replacement had there been no fungi, wet rot, dry rot or microbes, this Excluded Peril and ADDITIONAL COVERAGE will not serve to limit the amount of recovery for such repair or replacement. CNA62815GA (01-20) Page 2 of 3 VALLEY FORGE INSURANCE COMPANY Insured Name: LYRASIS INC Po EndorsemE Risk MwaganadDivision g REVIEWED & APPROVED BY.- Effectiv Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Amendatory Endorsement - Georgia However, this Excluded Peril and ADDITIONAL COVERAGE shall continue to apply to: a. The cost to treat, contain, remove or dispose of fungi, wet rot, dry rot or microbes beyond that which is required to repair or replace covered property; b. The cost of testing as described in this ADDITIONAL COVERAGE; and c. Any increase in loss under Business Income Coverage, Extra Expense Coverage or Business Income and Extra Expense Coverage resulting from Paragraphs a. and b. above. Regardless of whether this Excluded Peril and ADDITIONAL COVERAGE apply to a loss, the Limit of Insurance on covered property is not increased. The maximum recoverable, for the total of the cost to repair or replace covered property and any additional cost to treat, contain, remove, dispose of or test for fungi, wet rot, dry rot or microbes is the applicable Limit of Insurance on the affected covered property. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA62815GA (01-20) Page 3 of 3 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv iti z REVIEWED & APPROVED BY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Calculation of Premium Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART EMPLOYEE BENEFITS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART STOP GAP LIABILITY COVERAGE PART TECHNOLOGY ERRORS AND OMISSIONS LIABILITY COVERAGE PART It is understood and agreed that the following is added: The premium shown in the Declarations was computed based on rates in effect at the time the policy was issued. On each renewal, continuation, or anniversary of the effective date of this policy, the Insurer will compute the premium in accordance with the Insurer's rates and rules then in effect. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74726XX (1-15) Pol Page 1 of 1 EndorsemE Risk MmRgmerdDiMisian VALLEY FORGE INSURANCE COMPANY Effectiv o' , r, R�ED&APPROVmSY: Insured Name: LYRASIS INC f ;" PZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with its Risk Management Analyst CNA CNA PARAMOUNT Waiver of Exclusion - Punitive Damages Endorsement - Georgia It is understood and agreed that wherever the punitive or exemplary damages exclusion appears in the Policy it does not apply in Georgia. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA75269GA (1-15) Pol Page 1 of 1 Endorsem riwi- �M�D��VALLEY FORGE INSURANCE COMPANY Effectiv R�EWED&APPROVED BY.- Insured Name: LYRASIS INC pu-c- .e JZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Asbestos Exclusion Endorsement This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE FORM OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM RAILROAD PROTECTIVE LIABILITY COVERAGE FORM SPECIAL PROTECTIVE AND HIGHWAY LIABILITY POLICY — NEW YORK STOP GAP COVERAGE PART It is understood and agreed that the following exclusion is added: This insurance does not apply to: A. bodily injury, property damage or personal and advertising injury arising out of the actual, alleged or threatened exposure at any time to asbestos; or B. any loss, cost or expense that may be awarded or incurred: 1. by reason of a claim for any bodily injury, property damage or personal and advertising injury arising out of the actual, alleged or threatened exposure at any time to asbestos; or 2. in complying with a governmental direction or request to test for, monitor, clean up, remove, contain or dispose of asbestos. As used herein, asbestos means the mineral in any form whether or not the asbestos was at any time: L airborne as a fiber, particle or dust; ii. contained in or formed a part of a product, structure or other real or personal property; iii. carried on clothing; iv. inhaled or ingested; or v. transmitted by any other means. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74719XX (1-15) Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv iti z REVIEWED & APPROVED BY.- Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA CNA PARAMOUNT Nuclear Energy Liability Exclusion Endorsement (Broad Form) This endorsement modifies insurance provided under the following: COMMERCIAL GENERAL LIABILITY COVERAGE PART LIQUOR LIABILITY COVERAGE PART OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE PART PRODUCTS/COMPLETED OPERATIONS LIABILITY COVERAGE PART RAILROAD PROTECTIVE LIABILITY COVERAGE PART STOP GAP LIABILITY COVERAGE PART It is understood and agreed that the policy is amended as follows: I. The insurance does not apply: A. under any Liability Coverage, to bodily injury or property damage: 1. with respect to which an Insured under the policy is also an Insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an Insured under any such policy but for its termination upon exhaustion of its limit of liability; or 2. resulting from the hazardous properties of nuclear material and with respect to which a. any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or b. the Insured is, or had this policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization. B. under any Medical Payments coverage, to expenses incurred with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. C. under any Liability Coverage, to bodily injury or property damage resulting from hazardous properties of nuclear material, if: 1. the nuclear material N a. is at any nuclear facility owned by, or operated by or on behalf of, an Insured or N r b. has been discharged or dispersed therefrom; 0 0 0 2. the nuclear material is contained in spent fuel or waste at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an Insured; or 3. the bodily injury or property damage arises out of the furnishing by an Insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion 3. applies only to property damage to such nuclear facility and any property thereat. II. As used in this endorsement: Hazardous properties includes radioactive, toxic or explosive properties. Nuclear material means source material, special nuclear material or by-product material. Source material, special nuclear material, and by-product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof. CNA74727XX (1-15) Pol Page 1 of 2 Endorsem �^a �M�D�� VALLEY FORGE INSURANCE COMPANY Effectiv17.1w1- R�EWED&APPROVED BY.- Insured Name: LYRASIS INC pu-c- .e JZ. VSA44a Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl I'� Risk Management Analyst CNA CNA PARAMOUNT Nuclear Energy Liability Exclusion Endorsement (Broad Form) Spent fuel means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor. Waste means any waste material: A. containing by-product material other than the tailings or wastes produced by the extraction or concentration of uranium or thorium from any ore processed primarily for its source material content, and B. resulting from the operation by any person or organization of any nuclear facility included under the first two paragraphs of the definition of nuclear facility. Nuclear facility means: A. any nuclear reactor; B. any equipment or device designed or used for 1. separating the isotopes of uranium or plutonium, 2. processing or utilizing spent fuel, or 3. handling, processing or packaging waste; C. any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of the Insured at the premises where such equipment or device is located consists of or contains more than 25 grams of plutonium or uranium 233 or any combination thereof, or more than 250 grams of uranium 235; D. any structure, basin, excavation, premises or place prepared or used for the storage or disposal of waste; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. Nuclear reactor means any apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. Property damage includes all forms of radioactive contamination of property. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA74727XX (1-15) Pol Page 2 of 2 Endorsem RiskMmWment�iviaion VALLEY FORGE INSURANCE COMPANY Effectiv 3 z REVIEWED&APPROVEDSY: Insured Name: LYRASIS INC p is JZ. r Copyright CNA All Rights Reserved. Includes copyrighted material of Insurance Services Office, Inc., with itsl l `� Risk Management Analyst CNA CNA PARAMOUNT Cap on Losses from Certified Acts of Terrorism Endorsement Solely with respect to the following coverage parts: Business Property General Liability Employee Benefits Liability Stop Gap Liability It is understood and agreed as follows: A. Cap on Certified Terrorism Losses Certified act of terrorism means an act that is certified by the Secretary of the Treasury, in consultation with the Secretary of Homeland Security and the Attorney General of the United States, to be an act of terrorism pursuant to the Terrorism Risk Insurance Act, as extended and reauthorized (the "Act'). The criteria contained in the Act for a certified act of terrorism include the following: 1. The act resulted in insured losses in excess of $5 million in the aggregate, attributable to all types of insurance subject to the Terrorism Risk Insurance Act; and 2. The act is a violent act or an act that is dangerous to human life, property or infrastructure and is committed by an individual or individuals as part of an effort to coerce the civilian population of the United States or to influence the policy or affect the conduct of the United States Government by coercion. If aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a Calendar year (January 1 through December 31) and the Insurer has met its insurer deductible under the Act, the Insurer shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion, and in such case insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. B. Application of Exclusions The terms and limitations of any terrorism exclusion, or the inapplicability or omission of a terrorism exclusion, do not serve to create coverage for any loss which would otherwise be excluded under this coverage part or Policy, such as losses excluded by the Nuclear Hazard Exclusion or the War And Military Action Exclusion. All other terms and conditions of the Policy remain unchanged. This endorsement, which forms a part of and is for attachment to the Policy issued by the designated Insurers, takes effect on the effective date of said Policy at the hour stated in said Policy, unless another effective date is shown below, and expires concurrently with said Policy. CNA81503XX (2-15) Page 1 of 1 VALLEY FORGE INSURANCE Insured Name: LYRASIS INC Po EndorsemE Risk MmRgmerdDiAsiun COMPANY Effectiv i i z REVIEWED & APPROVED BY. - Copyright CNA All Rights Reserved. ` Risk Management Analyst CNA 151 N. Franklin St. Chicago, IL 60606 Policy Number From Policy Period To Coverage Is Provided By Agency C6017210152 �04/16/21 04/16/22 Valley Forge Insurance Company �028489380 Named Insured And Address Agent LYRASIS INC ARTHUR J GALLAGHER RISK MGMT SRV INC 1438 W PEACHTREE ST NW STE 150 1050 CROWN POINTE PKWY STE 600 ATLANTA, GA 30309-2955 ATLANTA, GA 30338 ** PAYMENT PLAN SCHEDULE ** IT IS AGREED THAT THE TOTAL ESTIMATED PREMIUM SHOWN IN THE DECLARATIONS OF THIS POLICY IS PAYABLE AS FOLLOWS: EFFECTIVE DATE 04/16/2021 TOTAL PREMIUM PREMIUM $5,142.00 $5,142.00 COMMISSION ISSUE DATE 05/03/21 ortaN o - `':ccREVIEWED o� x RiskMmWmentDMsian & APPROVED BY: T Risk Management Analyst Policy No. Named Insured 6017210152 LYRASIS INC 1438 W PEACHTREE ST NW STE 150 ATLANTA GA 30309 Company: VF - Valley Forge Insurance Company Product: CNA PARAMOUNT PROPERTY PREMIUM SUMMARY PREMIUM Loc 00001 All Coverages Total $1,634 All other property coverages not charged at the location level $1,088 TOTAL PROPERTY CHARGES $2,722 Total Certified Acts of Terrorism Premium Total Fire Following Premium AGENT Rating Date: 05/03/2021 Print Date: 05/03/2021 Effective Date: 04/16/2021 Expiration Date: 04/16/2022 Written -date: 2021-01-16 OTHER CHARGES TOTAL $0.00 $1,634.00 $0.00 $1,088.00 $0.00 $2,722.00 HortaN o '....,. '':ccREVIEWED o� Y RiskMwaganedDMsian & APPROVED BY.- T V Risk Management Analyst Policy No. Named Insured 6017210152 LYRASIS INC 1438 W PEACHTREE ST NW STE 150 ATLANTA GA 30309 Company: VF - Valley Forge Insurance Company Product: CNA PARAMOUNT TOTAL LIABILITY PREMIUM SUMMARY PRODUCTS/ PREMISES/ COMPLETED OPERATIONS OPERATIONS Actual Premium $1,555 $0 Add to = Minimum $0 $0 Total Premium $1,555 $0 Taxes & Surcharges $0 $0 TOTAL LIABILITY CHARGES Certified Acts of Terrorism Premium AGENT Rating Date: 05/03/2021 Print Date: 05/03/2021 Effective Date: 04/16/2021 Expiration Date: 04/16/2022 Written -date: 2021-01-16 ADDITIONAL OTHER INSURED COVERAGES/COV PARTS $0 $460 $382 $0 $842 $0 $0.00 $2,420.00 $23.00 u�" on„NC Risk Mwag'a1721t DMsiOR REVIEWED & APPROVED BY. - Risk Management Analyst Rating Date: 05/03/2021 Print Date: 05/03/2021 Policy No. Named Insured Effective Date: 04/16/2021 6017210152 LYRASIS INC Expiration Date: 04/16/2022 1438 W PEACHTREE ST NW STE 150 ATLANTA GA 30309 Written -date: 2021-01-16 Company: VF - Valley Forge Insurance Company Product: CNA PARAMOUNT GENERAL LIABILITY PREMIUM SUMMARY LIMITS OF LIABILITY GENERAL LIABILITY COVERAGES: GENERAL AGGREGATE: $ 2,000,000 EACH OCCURRENCE: $ 1,000,000 PRODUCTS/COMP OPS AGGREGATE: $ 2,000,000 DAMAGE TO PREMISES RENTED: $ 1,000,000 PERS & ADVERTISING INJURY: $ 1,000,000 MEDICAL EXPENSE: $ 15,000 POLICY LEVEL COVERAGES: CLASS: C00010 Increased Limits for Damage to Premises Rented to You COVERAGE EXPOSURE FINAL TERM TRANSACTION DESCRIPTION (BASIS) RATE PREMIUM PREMIUM Premises & Operations $270 $270 CLASS: C00091 Technology General Liability Extension Endorsement COVERAGE EXPOSURE FINAL TERM TRANSACTION DESCRIPTION (BASIS) RATE PREMIUM PREMIUM Premises & Operations 20 $100 $100 (SL) Policy level Subtotal $370.00 Location 0001 1438 W PEACHTREE ST NW SUITE 200 ATLANTA GA 30309 CLASS: 70065 Software & IT Services - Data Hosting and Data Processing for Others COVERAGE EXPOSURE FINAL TERM TRANSACTION DESCRIPTION (BASIS) RATE PREMIUM PREMIUM Premises & Operations 79,000,000 0.015 $1,185 $1,185 (S ) AGENT �oRaN RiskMwaganedDMsian REVIEWED & APPROVED BY. - Risk Management Analyst Policy Number: 6017210152 Page 2 Location Subtotal $1,185.00 General Liability Premium $1,574.00 Additional to Meet Minimum Premium $.00 Total General Liability Premium $1,574.00 Certified Acts of Terrorism Premium $19.00 EMPLOYEE BENEFITS PREMIUM SUMMARY LIMITS OF LIABILITY EACH EMPLOYEE: $ 1,000,000 AGGREGATE: $ 2,000,000 DEDUCTIBLES: REFER TO COVERAGE PART Location 0001 1438 W PEACHTREE ST NW SUITE 200 ATLANTA GA 30309 CLASS: C00007 Employee Benefits Liability COVERAGE EXPOSURE FINAL TERM TRANSACTION DESCRIPTION (BASIS) RATE PREMIUM PREMIUM Employee Benefits 62 Incl $425 $425 (EM) Location Subtotal Employee Benefits Liability Premium Additional to Meet Minimum Premium Total Employee Benefits Liability Premium Certified Acts of Terrorism Premium STOP GAP LIABILITY PREMIUM SUMMARY LIMITS OF LIABILITY EACH ACCIDENT: $ 1,000,000 AGGREGATE: $ 1,000,000 EACH EMPLOYEE: $ 1,000,000 Location 0002 NO SPECIFIC LOCATION CHEYENNE WY 82001 AGENT $425.00 $429.00 $.00 $429.00 $4.00 �oRaN RiskMwaganedDMsian REVIEWED & APPROVED BY. - Risk Management Analyst Policy Number: 6017210152 Page 3 CLASS: 99999 Stop Gap Liability COVERAGE EXPOSURE FINAL TERM TRANSACTION DESCRIPTION (BASIS) RATE PREMIUM PREMIUM Stop Gap If Any $0 $0 (P ) Location Subtotal $0.00 Location 0003 NO SPECIFIC LOCATION COLUMBUS OH 43085 CLASS: C99999 Ohio Amendatory Stop Gap Liability COVERAGE EXPOSURE FINAL TERM TRANSACTION DESCRIPTION (BASIS) RATE PREMIUM PREMIUM Stop Gap 440,624 0.008 $35 $35 (P ) Location Subtotal $35.00 Stop Gap Liability Premium $35.00 Additional to Meet Minimum Premium $382.00 Total Stop Gap Liability Premium $417.00 AGENT �oRaN RiskMwaganedDMsian REVIEWED & APPROVED BY. - Risk Management Analyst END OF COPY 3 RAMwagmedDMsiun REVIEWED & APPROVED BY.- z a p R. V Risk Management Analyst CNA 1 Insured Name LYRASIS INC 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2997 Policy Number CUE6017210121 Policy Period 04/16/2021 to 04/1 6/2022 Thank you for choosing CNA! Producer Information ARTHUR J GALLAGHER RISK MGMT SRV INC 1050 CROWN POINTE PKWY STE 600 ATLANTA, GA 30338-7707 Producer Processing Code CNA Branch ATLANTA 5565 Glenridge Connector N.E. Glenridge Highlands 11, Suite 600 Atlanta, GA 30342 With your CNA Paramount Excess and Umbrella Liability policy, you have insurance coverage tailored to meet the needs of your business. The international network of insurance professionals and the financial strength of CNA, rated "A" by A.M. Best, provide the resources to help you manage the daily risks of your organization so that you may focus on what's most important to you. Claim Services To file a claim contact us at: Email: Fax#: Phone Number: Mailing Address HPReports@CNA.com RTITOMIKININORN 866-909-5343 Middle Market CNA Claims Reporting P.O. Box 8317 Chicago, IL 60680-8317 Crisis Management Expenses • Crisis Management Limit is first dollar, in addition to the policy limit, and is available for all covered expenses, with no sublimit for Public Relations expense The following are suggested Crisis Management firms: Website Contact www.ogilvVpr.com Ogilvy Public Relations Mile Sacks michael.sacl<s@ogilvy.com http://Ievicl<.com Levick Megan Gabriel mgabriel@levicl<.com Michael Rubin mrubin2@levicl<.com http://fleishmanhil lard. com Fleishman -Hillard Marianna Deal marianna.deal@fleishman.com Ken Fields I<en.fields@fleishman.com `" Copyright CNA All Rights Reserved. Phone: (312) 397-6094 Phone: (202) 973-5308 Phone: (202) 808-3507 Phone: (314) 982-91 12 No,=A RiskMmWmedDiAsian _��� REVIEWED & APPROVED BY.- ° f R. V&vzd Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Table of Contents TABLE OF CONTENTS Page Number TABLE OF CONTENTS ................................................................................. 2 POLICYHOLDER NOTICE ................................................................................. 3 POLICY DECLARATIONS ................................................................................. 7 POLICY SCHEDULE ................................................................................. 11 POLICY................................................................................. 13 POLICY ENDORSEMENT ................................................................................. 45 Table of Contents " Copyright CNA All Rights Reserved. HORaN } z Risk ManagemendDMsian REVIEWED & APPROVED BY.- f R. VSA44a Risk Management Analyst V NJ CNA CNA Paramount Excess and Umbrella Liability Policyholder Notice POLICYHOLDER NOTICE - OFFER OF TERRORISM COVERAGE; DISCLOSURE OF PREMIUM IMPORTANT INFORMATION NOTICE - OFFER OF TERRORISM COVERAGE; DISCLOSURE OF PREMIUM THIS NOTICE DOES NOT FORM A PART OF THE POLICY, GRANT ANY COVERAGE OR CHANGE THE TERMS AND CONDITIONS OF ANY COVERAGE UNDER THE POLICY. The Named Insured is hereby notified that under the Terrorism Risk Insurance Act, as extended and reauthorized ("Act"), the Named Insured has a right to purchase insurance coverage of losses arising out of acts of terrorism, as defined in Section 1020) of the Act, subject to all applicable policy provisions. The Terrorism Risk Insurance Act established a federal program within the Department of the Treasury, under which the federal government shares, with the insurance industry, the risk of loss from future terrorist attacks. This Notice is designed to alert the Named Insured to coverage restrictions and to certain terrorism provisions in the policy. If there is any conflict between this Notice and the policy (including its endorsements), the provisions of the policy (including its endorsements) apply. CHANGE IN THE DEFINITION OF A CERTIFIED ACT OF TERRORISM The Act applies when the Secretary of the Treasury certifies that an event meets the definition of an act of terrorism. Originally, the Act provided that to be certified, an act of terrorism must cause losses of at least five million dollars and must have been committed by an individual or individuals acting on behalf of any foreign person or foreign interest to coerce the government or population of the United States. However, the 2007 re- authorization of the Act removed the requirement that the act of terrorism must be committed by or on behalf of a foreign interest, and now certified acts of terrorism may encompass, for example, a terrorist act committed against the United States government by a United States citizen, when the act is determined by the federal government to be "a certified act of terrorism." In accordance with the Act, the Insurer is required to offer the Named Insured the ability to purchase coverage for losses resulting from an act of terrorism that is certified under the federal program. The other provisions of this policy, including nuclear, war or military action exclusions, will still apply to such an act. DISCLOSURE OF FEDERAL PARTICIPATION IN PAYMENT OF TERRORISM LOSSES The Department of the Treasury will pay a share of terrorism losses insured under the federal program. Beginning in 2020, the federal share equals 80% of that portion of the amount of such insured losses that exceeds the applicable insurer retention. LIMITATION ON PAYMENT OF TERRORISM LOSSES If aggregate insured losses attributable to terrorist acts certified under the Terrorism Risk Insurance Act exceed $100 billion in a Calendar Year (January 1 through December 31), the Treasury shall not make any payment for any portion of the amount of such losses that exceeds $100 billion. Further, this coverage is subject to a limit on the Insurer's liability pursuant to the federal law where, if aggregate insured losses attributable to terrorist acts certified under the Act exceed $100 billion in a Calendar Year (January 1 through December 31) and the Insurer has met its insurer deductible under the Act, the Insurer shall not be liable for the payment of any portion of the amount of such losses that exceeds $100 billion. In such case, insured losses up to that amount are subject to pro rata allocation in accordance with procedures established by the Secretary of the Treasury. Form No: CNA75532XX (01-2021) Pc Policyholder Notice Page: 1 of 2 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDmsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CONFIRMATION OF ACCEPTANCE OF COVERAGE CNA Paramount Excess and Umbrella Liability Policyholder Notice In accordance with the Act, the Insurer offered the Named Insured coverage for losses resulting from an act of terrorism that is certified under the federal program. This notice confirms that the Named Insured has chosen to accept the Insurer's offer of coverage for certified acts of terrorism. The policy's other provisions, including nuclear, war or military action exclusions, will still apply to such an act. The premium charge for terrorism coverage is shown separately on the Declarations. Form No: CNA75532XX (01-2021) Pc Policyholder Notice Page: 2 of 2 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policyholder Notice POLICYHOLDER NOTICE — OFAC REQUIREMENTS POLICYHOLDER NOTICE CNA Commercial Insurance CNA Plaza 38S-420 Chicago, IL 60685-0001 Regarding Your: CNA Commercial Insurance Coverage Dear CNA Policyholder: Ethics and proper business conduct has been the cornerstone of CNA since 1897. While much has changed during the last century, our commitment to these core values has not wavered. We strongly believe that proper business conduct is more than the practice of avoiding wrong; it is also a matter of choosing to do right. Nowhere is this more essential than helping in the fight against terrorism. As such, we are committed to complying with U.S. Department of Treasury Office of Foreign Asset Control (OFAC) requirements. Through a variety of laws, OFAC administers and enforces economic sanctions against countries and groups of individuals, such as terrorists and narcotics traffickers. These laws prohibit all United States citizens (including corporations and other entities) and permanent residents from engaging in transactions with sanctioned countries and with individuals and entities on the Specially Designated Nationals (SDN) list. Because all U.S. citizens and companies are subject to this law, we wanted to be sure you were aware of its scope and restrictions. If you haven't already done so, you may want to consider discussing this issue with your legal counsel to ensure you are in compliance. For insurance companies, accepting premium from, issuing a policy to, insuring property of, or making a claim payment to an individual or entity that is the subject of U.S.-imposed economic sanctions or trade embargoes usually are violations of these laws and regulations. Fines for violating OFAC requirements can be substantial. CNA has established an OFAC compliance program part which includes the use of exclusionary policy language. We believe this makes good business sense for CNA and you. The purpose of this letter is to advise you that your renewal policy includes OFAC exclusionary policy language, which may reduce or eliminate certain coverage. Specifically, if it is determined that your policy violates certain Federal or State laws or regulations, such as the U.S. list of Specially Designated Nationals or Blocked Persons (organizations or individuals associated with terrorist groups) any term or condition of your policy will be null and void to the extent it violates the applicable laws or regulations of the United States. We're sure you share our commitment to compliance and thank you for your cooperation. Form No: CNA76614XX (03-2015) P( Policyholder Notice Page: 1 of 1 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P( Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policyholder Notice POLICY LIMITATION DISCLOSURE NOTICE This Disclosure Notice is not your policy. READ YOUR POLICY CAREFULLY to determine rights, duties, and what is and is not covered. Only the provisions of your policy determine the extent of your insurance protection. This policy contains exclusions relating to asbestos and silica. As stated in the exclusions, the policy does not provide any coverage for liability arising out of the presence of or exposure to asbestos or silica. Form No: CNA76626XX (07-2016) P( Policyholder Notice Page: 1 of 1 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P( Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDmsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA II POLICY DECLARATIONS !q Named Insured and Mailing Address NamedInsured: LYRASIS INC Policy Information Policy Number: 6017210121 Renewal of: 60172101 21 Insurer's Name and Address: The Continental Insurance Company 151 N Franklin St Chicago, IL 60606 CNA Paramount Excess and Umbrella Liability Policy Declarations Mailing Address: 1438 W PEACHTREE ST NW STE 150 ATLANTA, GA 30309-2997 Producer Producer: ARTHUR J GALLAGHER RISK MGMT SRV INC 1050 CROWN POINTE PKWY STE 600 ATLANTA, GA 30338-7707 Producer Code: 380-028489 PeriodPolicy 04/16/2021 to 04/16/2022 at 12:01 a.m. Standard Time at your mailing address. ILimits of Insurance _j Each Incident Limit $3,000,000 Aggregate Limit $3,000,000 Aggregate Products -Completed Operations Hazard Limit $3,000,000 Policy Aggregate Limit N/A Crisis Management Expenses Aggregate Limit $300,000 Key Employee Replacement Expenses Aggregate Limit $100,000 Self -insured Retention Self -Insured Retention $10,000 Form No: CNA75501 XX (03-2015) P Policy Declarations Page: 1 of 4 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P © Copyright CNA All Rights Reserved. HORaN 4r� -:. ^ecoG< o1 RiskManag:lmendDiAsian cREVIEWED & APPROVED BY: rRdiMG+ V� Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Declarations I Schedule of Underlying Insurance am IN" Underlying Insurer Policy Number Policy Period Note: Underlying Insurance Coverages Valley Forge Insurance General Liability Each Occurrence Limit Company 6017210152 General Aggregate Limit 04/16/2021 to 04/16/2022 Per Location :yes Valley Forge Insurance Company 6017210149 04/16/2021 to 04/16/2022 American Casualty Company of Reading, Pennsylvania 6017210135 04/16/2021 to 04/16/2022 Auto Liability Employers Liability Per Project : no Products/ Completed Operations Aggregate Limit Personal and Advertising Injury Liability Limit ALAE Combined Single Limit ALAE Bodily Injury by Accident- Each Accident Limit Bodily Injury by Disease - Policy Limit Bodily Injury by Disease - Each Employee Limit ALAE Form No: CNA75501 XX (03-2015) P Policy Declarations Page: 2 of 4 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. Limits of Insurance $1, 000, 000 $ 2, 000, 000 $ 2, 000, 000 $1, 000, 000 Outside Limits $1, 000, 000 Outside Limits $ 500, 000 $ 500, 000 $ 500, 000 Outside Limits �oRaN RiskManWmendDiAsian REVIEWED & APPROVED BY. Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Declarations Underlying Insurer Policy Number Policy Period Note: Underlying Insurance Coverages Limits of Insurance American Casualty Employers Liability Bodily Injury by Accident- Each Company of Reading, Accident Limit $1,000,000 Pennsylvania Bodily Injury by Disease -Policy 6017210183 Limit $1,000,000 04/16/2021 to Bodily Injury by Disease - Each 04/16/2022 Employee Limit $1,000,000 ALAE Outside Limits Valley Forge Insurance Employee Benefits Each Occurrence Limit $1,000,000 Company Liability Aggregate Limit $2,000,000 6017210152 04/16/2021 to 04/16/2022 Valley Forge Insurance Stop Gap Liability Company Bodily Injury by Accident- Each 6017210152 Accident Limit $1,000,000 04/16/2021 to Bodily Injury by Disease - Policy 04/16/2022 Limit $1,000,000 Bodily Injury by Disease - Each Employee Limit $1,000,000 Forms and Endorsements Attached to this Policy SCHEDULESee OF •• AND ENDORSEMENTS Form No: CNA75501 XX (03-2015) P Policy Declarations Page: 3 of 4 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. f R. VSA44a Risk Management Analyst CNA 1= Minimum Earned Premium Total Premium CNA Paramount Excess and Umbrella Liability Policy Declarations Premium includes the following amount for Certified Acts of Terrorism Coverage 112mbn Notice to insurer Address Fax #: Email Address CNA Claims Reporting P.O. Box 8317 Chicago, IL 60680-8317 800-446-8632 HPReports@CNA.com Form No: CNA75501 XX (03-2015) P Policy Declarations Page: 4 of 4 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. 0% of the Total Premium $1,970.00 1 $20 �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Schedule 11-4 SCHEDULE OF FORMS AND ENDORSEMENTS 1 2 3 4 5 CANCELLATION / NONRENEWAL ENDORSEMENT - GEORGIA OWNED AUTOMOBILE LIABILITY EXCLUSION ENDORSEMENT UNDERLYING INSURANCE COVERAGE LIMITATION ENDORSEMENT STATE AMENDATORY ENDORSEMENT GEORGIA AMENDMENT TO NAMED INSURED CNA62814GA CNA76449XX CNA76492XX CNA76605GA CNA88301XX 12-2019 03-2015 03-2015 03-2015 08-2017 03-2015 POLICYHOLDER NOTICE OFAC REQUIREMENTS CNA76614XX POLICY DECLARATIONS PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY POLICYHOLDER NOTICE - OFFER OF TERRORISM COVERAGE DISCLOSURE OF PREMIUM PAYMENT PLAN SCHEDULE CNA75501 XX 03-2015 CNA75504XX CNA75532XX CNA84401XX CNA76626XX 03-2015 01-2021 12-2015 07-2016 POLICY LIMITATION DISCLOSURE NOTICE Form No: CNA62640XX (09-2012) P Policy Schedule Page: 1 of 1 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P c, Copyright CNA All Rights Reserved. �oRaN Risk Mwag merdDivisian REVIEWED & APPROVED BY. - Risk Management Analyst A PAYMENT PLAN SCHEDULE CNA Paramount Excess and Umbrella Liability Policy Schedule PAYMENT PLAN SCHEDULE IT IS AGREED THAT THE TOTAL PREMIUM SHOWN IN THE DECLARATIONS OF THIS POLICY IS PAYABLE AS FOLLOWS: ffective Date Premium Commission % 04/16/2021 $1,970.00 0.00% Total Cost $1,970.00 Form No: CNA84401XX (12-2015) Pc Policy Schedule Page: 1 of 1 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mentDiAsian REVIEWED & APPROVED SY: f R. VSA44a Risk Management Analyst ParamountCNA •UmbrellaLiability CNAPolicy PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY Various provisions in this Policy restrict coverage. Read the entire Policy carefully to determine rights, duties and what is and is not covered. The "Insurer" refers to the insurer providing this insurance as set forth on the Declarations of this Policy. Words and phrases that appear in bold have special meaning. Refer to the section entitled DEFINITIONS. I. COVERAGES A. Coverage A - Excess Follow Form Liability The Insurer will pay on behalf of the Insured those damages in excess of the applicable underlying limits. Coverage hereunder will attach only after the full amount of the applicable underlying limits have been exhausted through payment in legal currency of covered loss under all applicable underlying insurance and to which this Coverage A applies. Coverage A under this Policy will then apply in conformance with the provisions of the applicable underlying insurance except for the premium, limits of insurance, deductible, retentions, or any defense obligations and any other terms and conditions specifically set forth in this Policy. Upon exhaustion of the applicable underlying limits, the Insurer shall only pay for damages in excess of the applicable underlying limits. This Coverage A does not provide coverage for any loss not covered by the applicable underlying insurance except and to the extent that such loss is not paid under the applicable underlying insurance solely by reason of the exhaustion of the applicable underlying limits through payment of loss thereunder. This Coverage applies: 1. if the applicable underlying insurance is on an occurrence basis, then only if that which must take place in the policy period of the underlying insurance in order to trigger coverage, takes place during this policy period; and 2. if the applicable underlying insurance is on a claims made basis, then only if: a. that which must take place in the underlying insurance in order to trigger coverage, takes place after the retroactive date and prior to the end of the policy period; and b. the claim is first made during the policy period. B. Coverage B - Umbrella Liability The Insurer will pay on behalf of the Insured those damages in excess of the retained amount: 1. that an Insured becomes legally obligated to pay because of bodily injury, property damage or personal and advertising injury; or 2. because of liability for bodily injury or property damage assumed under an insured contract, provided the bodily injury or property damage occurs subsequent to the execution of such insured contract; and provided that: a. the bodily injury or property damage occurs during the policy period; b. the bodily injury or property damage is caused by an occurrence that takes place in the coverage territory; Form No: CNA75504XX (03-2015) Pc Policy Page: 1 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy c. the personal and advertising injury is caused by an offense arising out of the Named Insured's business; and d. the offense giving rise to personal and advertising injury was first committed during the policy period and in the coverage territory; Provided, however, that Coverage B - Umbrella Liability: does not apply to: (a) any part of damages to which underlying insurance applies; or (b) any part of damages to which underlying insurance would have applied regardless of: (1) the availability of underlying insurance; or (2) the exhaustion of the applicable underlying limits; (c) any defense costs related to damages as described in a. and b. above. ii. applies only if prior to the effective date of the policy period, no authorized insured: (a) knew that such bodily injury or property damage had occurred, in whole or in part. If any authorized insured knew, prior to the policy period, that any such bodily injury or property damage had occurred, then any continuation, change or resumption of such bodily injury or property damage during or after the policy period will be deemed to have been known prior to the policy period; or (b) knew that any offense giving rise to personal and advertising injury had occurred, in whole or in part. Bodily injury or property damage which occurs during the policy period and was not, prior to the policy period, known to have occurred by any authorized insured, includes any continuation, change or resumption of that bodily injury or property damage after the end of the policy period. An authorized insured will be deemed to know: 1. that such bodily injury or property damage occurred, at the earliest time when such authorized insured: a. reports the bodily injury or property damage to the Insurer or any other insurer; b. receives a claim arising out of the bodily injury or property damage; or c. becomes aware by any other means that the bodily injury or property damage has occurred or has begun to occur; 2. that such offense giving rise to personal and advertising injury occurred, on the date of the first utterance or dissemination or, if there is no utterance or dissemination, then on the first date of the activity giving rise to a claim. C. Coverage C - Crisis Management Expenses The Insurer will reimburse the Named Insured for crisis management expenses incurred by the Named Insured as a direct result of its response to a crisis management event that first occurs during the policy period, provided: 1 such crisis management event is reported to the Insurer as soon as reasonably practicable following the crisis management event, or within 72 hours after such crisis management event begins if such crisis management event is likely to give rise to bodily injury or property damage; Form No: CNA75504XX (03-2015) Pc Policy Page: 2 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy 2. such crisis management expenses are incurred within 180 days after the crisis management event and reported to the Insurer as soon as reasonably practicable; and, 3. such crisis management expenses are approved in advance by the Insurer. The period of time for which the Insurer will pay crisis management expenses will not be limited by the expiration of the policy period. D. Coverage D — Key Employee The Insurer will reimburse the Named Insured for Icey employee replacement expenses due to the Named Insured's permanent loss of the services of a Icey employee provided that: 1. the Named Insured would not have incurred such Icey employee replacement expenses if the Named Insured had not lost the services of the Icey employee; 2. such Icey employee replacement expenses are incurred by the Named Insured within 180 days of the covered accident and reported to the Insurer as soon as reasonably practicable; 3. such loss of service is caused by a covered accident; 4. the covered accident occurs during the policy period; and 5. a replacement for such Icey employee is hired within 180 days after the covered accident. The period of time for which the Insurer will pay Icey employee replacement expenses will not be limited by the expiration of the policy period. II. DEFENSE COSTS PAYMENT AND RELATED DUTIES A. The Insurer has the right and duty to defend any suit, and the right to assume control of the investigation and settlement of any claim, against the Insured, as follows: 1. with respect to the Coverage A - Excess Follow Form Liability, upon exhaustion through payment in legal currency of the full amount of the applicable underlying limits over which Coverage A applies. 2. with respect to the Coverage B - Umbrella Liability, upon receipt by the Insurer of a claim to which Coverage B applies. When the Insurer has the duty to defend any suit and the right to investigate any claim but is prevented by law from doing so, the Insured will undertake such defense and investigation, and the Insurer will reimburse the Insured for the defense costs. The Insurer's obligation to defend any suit, investigate any claim, or reimburse for any defense costs does not apply if any other insurer has a duty to defend. Further, any obligation to defend any suit, investigate any claim, or reimburse for any defense costs ceases upon exhaustion of the applicable limits of insurance of this Policy. B. The Insurer may, at the Insurer's sole discretion and at the Insurer's own cost, elect to participate in the investigation, settlement or defense of any claim against any of the Insureds for matters covered by this Policy even if the applicable underlying limit has not been exhausted. C. The Insurer will pay defense costs as follows: with respect to the Coverage A - Excess Follow Form Liability, defense costs are paid within or excess of the limits of insurance as set forth in the applicable underlying insurance. 2. with respect to the Coverage B - Umbrella Liability, defense costs are paid in excess of and do not erode the limits of insurance or the retained amount. D Where the Insurer investigates a claim or defends a suit, the Insurer will do so even if the allegations of a claim are groundless, false, or fraudulent. If Insurer investigates a claim or defends a suit, Insurer will Form No: CNA75504XX (03-2015) Pc Policy Page: 3 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA do so only until the Insurer: 1. makes payment of; or 2. offers to pay; or 3. deposits in court CNA Paramount Excess and Umbrella Liability Policy that part of a judgment up to but not exceeding the Insurer's applicable limits of insurance. E. No Insured shall admit liability, consent to any judgment, agree to any settlement or make any settlement offer which is reasonably likely to involve this Policy without the Insurer's prior written consent, such consent not to be unreasonably withheld. The Insureds agree that they shall not knowingly take any action that increases the Insurer's exposure for damages or defense costs under this Policy. III. EXCLUSIONS A. Coverage A - Excess Follow Form Liability and Coverage B - Umbrella Liability Exclusions With respect to both the Coverage A- Excess Follow Form Liability and Coverage B -Umbrella Liability, this Insurance does not apply to: 1. Access to or Disclosure of Confidential or Personal Information and Data -Related Liability any actual or alleged damages arising out of: a. any access to or disclosure of any person's or organization's confidential or personal information, including patents, trade secrets, processing methods, customer lists, financial information, credit card information, health information or any other type of nonpublic information; or b. the loss of, loss of use of, damage to, corruption of, inability to access, or inability to manipulate electronic data. This exclusion applies even if damages are claimed for notification costs, credit monitoring expenses, forensic expenses, public relations expenses or any other loss, cost or expense incurred by the Named Insured or others arising out of that which is described in paragraph a. or b. above. However, unless paragraph a. above applies, this exclusion does not apply to bodily injury to the extent that such liability is covered by underlying insurance. 2. Asbestos any actual or alleged liability arising out of the actual, alleged or threatened exposure at any time to asbestos; or b. any actual or alleged loss, cost or expense that may be awarded or incurred: i. by reason of a claim for any such injury or damage; or ii. in complying with a governmental direction or request to test for, monitor, clean up, remove, contain or dispose of asbestos. 3. Damage to Impaired Property or Property not Physically Injured any actual or alleged property damage to impaired property or property that has not been physically injured, arising out of: a. a defect, deficiency, inadequacy or dangerous condition in your product or your work; or b. a delay or failure by the Named Insured or anyone acting on the Named Insured's behalf to perform a contract or agreement in accordance with its terms. Form No: CNA75504XX (03-2015) Pc Policy Page: 4 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy This exclusion does not apply to the loss of use of other property arising out of sudden and accidental physical injury to your product or your work after it has been put to its intended use. 4. Damage to Premises Rented or Occupied by the Named Insured any actual or alleged property damage to premises rented to the Named Insured or in the case of damage by fire, while rented to the Named Insured or temporarily occupied by the Named Insured with the permission of the owner. 5. Distribution or Recording of Material or Information in Violation of Laws any actual or alleged liability arising directly or indirectly out of any actual or alleged: a. violation of: i. the Telephone Consumer Protection Act (TCPA), including any amendment of or addition to such law; ii. the CAN-SPAM Act of 2003, including any amendment of or addition to such law; iii. the Fair Credit Reporting Act (FCRA), and any amendment of or addition to such law, including the Fair and Accurate Credit Transaction Act (FACTA); or iv. any statute, ordinance, regulation or law other than the TCPA, CAN-SPAM Act of 2003, or FCRA, including FACTA, and their amendments and additions, that addresses, prohibits, or limits the printing, dissemination, disposal, collecting, recording, sending, transmitting, communicating or distribution of material or information; or b. conversion or consumption of another's tangible property or electronic assets. For the purpose of this provision, electronic assets include but are not limited to minute allowances, text message allowances, and other electronic consumables. 6. Employment Related Practices any actual or alleged bodily injury or personal and advertising injury to: a. a person arising out of any actual or alleged: L refusal to employ that person; ii. termination of that person's employment; iii employment -related practices, policies, acts or omissions, such as coercion, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination or malicious prosecution directed at that person; or b the spouse, child, parent, brother or sister of that person as a consequence of such bodily injury or personal and advertising injury to that person at whom any of the employment -related practices described in paragraphs a. L, ii., or iii. above is directed. This exclusion applies: whether the injury -causing event described in paragraphs a. L, ii., or iii. above occurs before employment, during employment or after employment of that person; b. whether the Insured may be liable as an employer or in any other capacity; and c. to any obligation to share damages with or repay someone else who must pay damages because of the injury. However, this exclusion does not apply to bodily injury a person sustains during a job interview while attempting to demonstrate a physical capability or skill required by the job to the extent that Form No: CNA75504XX (03-2015) Pc Policy Page: 5 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy such liability is covered by underlying insurance. 7. ERISA any actual or alleged liability arising out of any actual or alleged obligation of any Insured under the Employees Retirement Income Security Act of 1974 or any similar common or statutory law anywhere in the world including any amendments or additions thereto. 8. Nuclear Energy Liability any actual or alleged bodily injury, property damage or personal and advertising injury: a. with respect to which an Insured under this policy is also an insured under a nuclear energy liability policy issued by Nuclear Energy Liability Insurance Association, Mutual Atomic Energy Liability Underwriters, Nuclear Insurance Association of Canada or any of their successors, or would be an insured under any such policy but for its termination upon exhaustion of its limit of insurance; b. resulting from the hazardous properties of nuclear material and with respect to which: i. any person or organization is required to maintain financial protection pursuant to the Atomic Energy Act of 1954, or any law amendatory thereof, or ii. the Insured is, or had this Policy not been issued would be, entitled to indemnity from the United States of America, or any agency thereof, under any agreement entered into by the United States of America, or any agency thereof, with any person or organization; or c. resulting from hazardous properties of nuclear material, if: i. the nuclear material: (a) is at any nuclear facility owned by, or operated by or on behalf of, an Insured or (b) has been discharged or dispersed therefrom; ii. the nuclear material is contained in spent fuel or nuclear waste at any time possessed, handled, used, processed, stored, transported or disposed of, by or on behalf of an Insured; or iii the bodily injury, property damage or personal and advertising injury arises out of the furnishing by an Insured of services, materials, parts or equipment in connection with the planning, construction, maintenance, operation or use of any nuclear facility, but if such facility is located within the United States of America, its territories or possessions or Canada, this exclusion applies only to property damage to such nuclear facility and any property thereat. d. Under any Medical Payments coverage, to expenses with respect to bodily injury resulting from the hazardous properties of nuclear material and arising out of the operation of a nuclear facility by any person or organization. Solely as used in this exclusion: (a) property damage includes all forms of radioactive contamination of property; (b) hazardous properties includes but is not limited to radioactive, toxic or explosive properties; (c) source material, special nuclear material, and by-product material have the meanings given them in the Atomic Energy Act of 1954 or in any law amendatory thereof; (d) spent fuel means any fuel element or fuel component, solid or liquid, which has been used or exposed to radiation in a nuclear reactor. Form No: CNA75504XX (03-2015) Pc Policy Page: 6 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA CNA Paramount Excess and Umbrella Liability Policy 9. Recall of Products, Work or Impaired Property any actual or alleged loss, cost or expense incurred by the Named Insured or any person or entity, for the loss of use, withdrawal, recall, inspection, repair, replacement, adjustment, removal or disposal of your product, your work or impaired property, if such product, work, or property is withdrawn or recalled from the market or from use by any person or organization because of a known or suspected defect, deficiency, inadequacy or dangerous condition in it. 10. Unfair Competition/Antitrust Claims/RICO Claims any actual or alleged liability arising out of any: a. unfair competition, dilution, deceptive trade practices, or civil actions for consumer fraud; b. charges of price fixing, monopolization or restraint of trade; or c. any violation of: L the Federal Trade Commission Act; ii. the Sherman Act, the Clayton Act, or any federal statutory provision regarding anti-trust, monopoly, price fixing, price discrimination, predatory pricing or restraint of trade; iii. the Racketeer Influenced and Corrupt Organizations Act; iv. any rules or regulations promulgated under or in connection with the above statutes; or v. any state, federal or local statute or other law which similarly regulates business practices. 11. Uninsured/Underinsured Motorists any actual or alleged liability arising out of any obligations under an uninsured/underinsured motorist law, a personal injury protection law, a reparations benefit law or other similar law. 12. War any actual or alleged liability arising, directly or indirectly out of any: a. war, including undeclared or civil war; b. warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or c. insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. 13. Workers' Compensation and Similar Laws /Nonsubscriber Status any actual or alleged liability arising out of any obligation of any Insured: a. under a workers' compensation, disability benefits or unemployment compensation law or any similar law. b. by reason of a statement of non -subscription on file with any applicable Worker's Compensation authority of any State indicating the Named Insured has chosen not to participate in the Workers Compensation system in accordance with laws of such state. B. Coverage A - Excess Follow Form Liability Exclusions With respect to Coverage A - Excess Follow Form Liability, this Insurance does not apply to: 1. Coverages Subject to a Sub Limit any actual or alleged liability, loss, cost or expense covered under any underlying insurance which is Form No: CNA75504XX (03-2015) P Policy Page: 7 of 32 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy subject to a sub limit. 2. Crisis Management Expenses crisis management expenses except as provided for in Coverage C above even if such insurance is afforded under underlying insurance or would have been afforded but for the exhaustion of the underlying limits. 3. Pollution a. any actual or alleged bodily injury or property damage arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants: i. at or from any premises, site or location which is or was at any time owned or occupied by, or rented or loaned to, any Insured except that this subparagraph does not apply to: (a) bodily injury or property damage arising out of heat, smoke or fumes from a hostile fire; or (b) bodily injury if sustained within a building and caused by smoke, fumes, vapor or soot produced by or originating from equipment that is used to heat, cool or dehumidify the building, or equipment that is used to heat water for personal use, by the building's occupants or their guests; ii. at or from any premises, site or location which is or was at any time used by or for any Insured or others for the handling, storage, disposal, processing or treatment of waste; iii. which are or were at any time transported, handled, stored, treated, disposed of, or processed as waste by or for any Insured or any person or organization for whom the Named Insured may be legally responsible; or iv. at or from any premises, site or location on which any Insured or any contractors or subcontractors working directly or indirectly on any Insured's behalf are performing operations: (a) If the pollutants are brought on or to the premises, site or location in connection with such operations by such Insured, contractor or subcontractor; except that this subparagraph does not apply to bodily injury or property damage arising out of: (1) the escape of fuels, lubricants, or other operating fluids which are needed to perform the normal electrical, hydraulic or mechanical functions necessary for operation of mobile equipment or its parts, if such fuels, lubricants or other operating fluids escape from a vehicle part designed to hold, store or receive them. This exception does not apply if the bodily injury or property damage arises out of the intentional discharge, dispersal or release of the fuels, lubricants or other operating fluids, or if such fuels, lubricants or other operating fluids are brought on or to the premises, site or location with the intent that they be discharged, dispersed or released as part of the operations being performed by such Insured, contractor or subcontractor; or (2) heat, smoke or fumes from a hostile fire; or (b) If the operations are to test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants; v. that are, or that are contained in property that is: (a) being transported or towed by, or handled for movement into, onto or from a covered auto; (b) otherwise in the course of transit; or Form No: CNA75504XX (03-2015) Pc Policy Page: 8 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy (c) being stored, disposed of, treated or processed in or upon the covered auto except that this subparagraph does not apply to fuels, lubricants, fluids, exhaust, gases or other similar Pollutants that are needed for or result from the normal electrical, hydraulic or mechanical functioning of the covered auto or its parts if the pollutants escape or are discharged, dispersed or released directly from an auto part designed by its manufacturer to hold, store, receive or dispose of such pollutants; vi. before the pollutants or property in which the pollutants are contained are moved from the place where they are accepted by the Insured for movement into or onto the covered auto; or vii. after the pollutants or property in which the pollutants are contained are moved from the covered auto to the place where they are finally delivered, disposed of or abandoned by the Insured. Subparagraphs vi. and vii. do not apply if the pollutants or property in which the pollutants are contained are upset, overturned or damaged as a result of the maintenance or use of a covered auto and the discharge, dispersal, release or escape of the pollutants is caused directly by such upset, overturn or damage. b. any actual or alleged personal and advertising injury arising out of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time. c. any actual or alleged loss, cost or expense arising out of any: i. request, demand, order or statutory or regulatory requirement that any Insured or others test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to, or assess the effects of pollutants; or ii. claim by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to, or assessing the effects of pollutants. However, if liability for damages because of property damage is not excluded by paragraph a. of this exclusion, then neither will paragraph c. above serve to exclude such damages. C. Coverage B - Umbrella Liability Exclusions With respect to the Coverage B - Umbrella Liability, this Insurance does not apply to: 1. Aircraft, Auto, Watercraft or Mobile Equipment any actual or alleged bodily injury, property damage, personal and advertising injury arising out of the ownership, maintenance, operation, use, loading or unloading or entrustment to others of any: a. aircraft owned by any Insured or rented, loaned or chartered by or on behalf of any Insured without crew; or b. autos, watercraft or mobile equipment This exclusion applies even if such claim against an Insured alleges negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that Insured. This exclusion does not apply to: i. watercraft while ashore on premises the Named Insured owns or rents; ii. watercraft the Named Insured does not own that is: (a) less than 55 feet long; and (b) not being used to carry persons or property for a charge; or Form No: CNA75504XX (03-2015) Pc Policy Page: 9 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA CNA Paramount Excess and Umbrella Liability Policy iii. liability assumed under any insured contract for the ownership, maintenance or use of watercraft. 2. Contractual Liability any actual or alleged bodily injury, property damage or personal and advertising injury for which an Insured is obligated to pay damages by reason of the assumption of liability in a contract or agreement other than an insured contract. This exclusion does not apply to liability that the Insured would have in the absence of such contract or agreement. 3. Damage to Property any actual or alleged property damage to: a. property the Named Insured owns, rents, or occupies, including any costs or expenses incurred by the Named Insured, or any other person, organization or entity, for repair, replacement, enhancement, restoration or maintenance of such property for any reason, including prevention of injury to a person or damage to another's property; b. premises the Named Insured sells, gives away or abandons, if the property damage arises out of any part of those premises; c. property loaned to the Named Insured; d. personal property in the care, custody or control of the Insured; e. that particular part of real property on which the Named Insured or any contractors or subcontractors working directly or indirectly on its behalf are performing operations, if the property damage arises out of those operations; or f. that particular part of any property that must be restored, repaired or replaced because your work was incorrectly performed on it. Paragraph b. of this exclusion does not apply if the premises are your work and were never occupied, rented or held for rental by the Named Insured. Paragraphs c., d., e. and f. of this exclusion do not apply to liability assumed under a sidetrack agreement. Paragraph f. of this exclusion does not apply to property damage included in the products -completed operations hazard. 4. Damage to Your product any actual or alleged property damage to your product arising out of it or any part of it. 5. Damage to Your work any actual or alleged property damage to your work arising out of it or any part of it and included in the products -completed operations hazard. This exclusion does not apply if the damaged work or the work out of which the damage arises was performed on the Named Insured's behalf by a subcontractor. 6. Employee Injury any actual or alleged bodily injury or personal and advertising injury to: a. an employee arising out of and in the course of employment by the Insured or performing duties related to the conduct of the Insured's business; or b. the spouse, child, parent, brother or sister of that employee as a consequence of a. above. Form No: CNA75504XX (03-2015) P Policy Page: 10 of 32 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy This exclusion applies: i. whether an Insured may be liable as an employer or in any other capacity; and ii. to any obligation to share damages with or repay someone else who must pay damages because of the injury. This exclusion does not apply to liability assumed by the Insured under an insured contract. 7. Expected or Intended injury any actual or alleged bodily injury or property damage arising out of an act or omission: a. intended by an Insured; or b. that would be expected from the standpoint of a reasonable person in the circumstances of the Insured; to cause bodily injury or property damage, even if the actual bodily injury or property damage is of a different degree or type than intended or expected. This exclusion does not apply to bodily injury or property damage resulting from the use of reasonable force to protect persons or property. 8. Fungi or Other Organic Pathogens a. any actual or alleged bodily injury, property damage or personal and advertising injury arising out of any actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or growth or presence of any fungi or other organic pathogens; b. any actual or alleged loss, cost or expense arising out of or relating to the testing for, monitoring, cleaning up, removing, containing, treating, detoxifying, neutralizing, remediating,or disposing of, or in any way responding to or assessing the effects of fungi or other organic pathogens by any Insured or by anyone else; or c. any actual or alleged property damage caused by water where there also exists any property damage arising out of or relating to, in whole or in part, the actual, alleged or threatened inhalation of, ingestion of, contact with, exposure to, existence of, or growth or presence of any fungi or other organic pathogens. This exclusion applies regardless of any other cause or event that contributes concurrently or in any sequence to such injury or damage, loss, cost or expense. 9. Liquor Liability any actual or alleged bodily injury or property damage for which any Insured may be held liable by reason of: a. causing or contributing to the intoxication of any person, including causing or contributing to the intoxication of any person because alcoholic beverages were permitted to be brought on the Insured's premises, for consumption on the Insured's premises; b. the furnishing of alcoholic beverages to a person under the legal drinking age or under the influence of alcohol; or c. any statute, ordinance or regulation relating to the sale, gift, distribution or use of alcoholic beverages. This exclusion applies even if the claims against any Insured allege negligence or other wrongdoing in: i. the supervision, hiring, employment, training or monitoring of others by that Insured; or Form No: CNA75504XX (03-2015) Pc Policy Page: 11 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy ii. providing or failing to provide transportation with respect to any person that may be under the influence of alcohol, if the occurrence which caused the bodily injury or property damage involved that which is described in paragraph a., b. or c. above. 10. Nonemployment Related Discrimination any actual or alleged personal and advertising injury arising out of any actual or alleged nonemployment related discrimination committed intentionally against a person. 11. Personal and Advertising Injury any actual or alleged personal and advertising injury: a. Breach of Contract arising out of breach of contract, except an implied contract to use another's advertising idea in the Named Insured's advertisement. b. Criminal Acts or Conduct arising out of any actual or alleged criminal act or omission committed by or at the direction of any Insured. This exclusion does not apply to the extent liability is imposed upon the Insured for acts or omissions of another committed without the knowledge or consent of the Insured. c. Electronic Chat Rooms or Bulletin Boards arising out of an electronic chat room or bulletin board the Insured hosts, owns, or over which the Insured exercises control. d. Infringement of Copyright, Patent, Trademark or Trade Secret arising out of infringement of copyright, patent, trademark, trade secret or other intellectual property rights. Under this exclusion, such other intellectual property rights do not include the use of another's advertising idea in the Named Insured's advertisement. However, this exclusion does not apply to infringement of copyright, trade dress or slogan in the Named Insured's advertisement. e. Insureds in Media and Internet Type Businesses committed by an Insured whose business is: i. advertising, broadcasting, publishing or telecasting; ii. designing or determining content or web -sites for others; or iii. an Internet search, access, content or service provider. However, this exclusion does not apply to paragraph A., B. or C. of personal and advertising injury as defined in the section entitled Definitions. For the purposes of this exclusion, the placing of frames, borders or links, or advertising, for the Named Insured or others anywhere on the Internet, is not by itself, considered the business of advertising, broadcasting, publishing or telecasting. f. Knowing Violation of Rights of Another caused by an actual or alleged offense, act or omission by or at the direction of the Insured if the Insured knew or should have known that such offense, act or omission would cause such personal and advertising injury. Form No: CNA75504XX (03-2015) Pc Policy Page: 12 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA g. Material Published Prior To Policy Period CNA Paramount Excess and Umbrella Liability Policy arising out of oral or written publication, in any manner, of material whose first publication took place before the beginning of the policy period. h. Material Published with Knowledge of Falsity arising out of written publication in any manner of material, if the Insured knew or should have known the material was false. i. Quality or Performance of Goods — Failure to Conform to Statements arising out of any failure of goods, products or services to conform to any statement of quality or performance made in the Named Insured's advertisement. j. Unauthorized Use of Another's Name or Product arising out of unauthorized use of another's name or product in the Named Insured's e-mail address, domain name or metatag, or any other similar tactics to mislead another's potential customers. k. Wrong Description of Prices arising out of the wrong description of the price of goods, products or services stated in the Named Insured's advertisement. 12. Pollution a any actual or alleged bodily injury, property damage or personal and advertising injury arisingout of the actual, alleged or threatened discharge, dispersal, seepage, migration, release or escape of pollutants at any time. b. any actual or alleged loss, cost or expense arising out of any: i. request, demand, order, or statutory or regulatory requirement that anyone test for, monitor, clean up, remove, contain, treat, detoxify or neutralize, or in any way respond to or assess the effects of pollutants; or ii. claim by or on behalf of a governmental authority for damages because of testing for, monitoring, cleaning up, removing, containing, treating, detoxifying or neutralizing, or in any way responding to or assessing the effects of pollutants. 13. Silica a. any actual or alleged bodily injury arising, in whole or in part, out of the actual, alleged or threatened respiration or ingestion at any time of silica; or b. any actual or alleged property damage arising in whole or in part out of the actual, alleged or threatened presence of silica. c. any actual or alleged personal and advertising injury arising, in whole or in part, out of the actual, alleged or threatened: i. exposure at any time to; or ii. presence at any time of; silica. 14. Terrorism any actual or alleged bodily Injury, property damage or personal and advertising injury arising out of any act of terrorism. Form No: CNA75504XX (03-2015) Pc Policy Page: 13 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA D. Coverage D - Key Employee Exclusions CNA Paramount Excess and Umbrella Liability Policy With respect to Coverage D — Key Employee, this insurance does not apply to any actual or alleged: 1. Death or Disability death or permanent disability of a key employee relating to, or arising out of: a. nuclear reaction or radiation or radioactive contamination, however caused; b. sickness or disease, including mental illness or mental injury; c. pregnancy, childbirth, miscarriage or abortion; d. suicide, attempted suicide or self inflicted bodily injury, while sane or insane; e. the key employee's intoxication, impairment or otherwise being under the influence of alcohol or controlled substances; f. war, including undeclared or civil war; g. warlike action by a military force, including action in hindering or defending against an actual or expected attack, by any government, sovereign or other authority using military personnel or other agents; or h. insurrection, rebellion, revolution, usurped power, or action taken by governmental authority in hindering or defending against any of these. 2. Other Expenses a. expenses the Named Insured incurs which the Named Insured would not have incurred if the Named Insured had used all reasonable means to: L find a permanent replacement for the key employee; and ii. reduce or discontinue the key employee replacement expense; as soon as possible after the Named Insured's permanent loss of the services of the key employee caused by a covered accident. b. additional expenses incurred due to the Named Insured's loss of the services of a permanent replacement appointed or hired to replace a key employee, however caused. However, this exclusion does not apply if the replacement employee is included in the definition as a key employee and the Named Insured's loss of the services of the replacement employee is caused by a covered accident. IV. WHO IS AN INSURED The following persons or organizations are Insureds. A. With respect to Coverage A - Excess Follow Form Liability, the Named Insured and any persons or organizations included as an insured under the provisions of underlying insurance are Insureds, and then only for the same coverage, except for limits of insurance, afforded under such underlying insurance. B. With respect to the Coverage B - Umbrella Liability: 1. If the Named Insured is designated in the Declarations of this Policy as: a. an individual, the Named Insured and the Named Insured's spouse are Insureds, but only with respect to the conduct of a business of which the Named Insured is the sole owner. b. a partnership or joint venture, the Named Insured is an Insured. The Named Insured's members, the Named Insured's partners, and their spouses are also Insureds, but only with respect to the conduct of the Named Insured's business. Form No: CNA75504XX (03-2015) P Policy Page: 14 of 32 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy c. a limited liability company, the Named Insured is an Insured. The Named Insured's members are also Insureds, but only with respect to the conduct of the Named Insured's business. The Named Insured's managers are Insureds, but only with respect to their duties as the Named Insured's managers. d. an organization other than a partnership, joint venture or limited liability company, the Named Insured is an Insured. The Named Insured's executive officers and directors are Insureds, but only with respect to their duties as the Named Insured's officers or directors. The Named Insured's stockholders are also Insureds, but only with respect to their liability as stockholders. a trust, the Named Insured is an Insured. The Named Insured's trustees are also Insureds, but only with respect to their duties as trustees. 2. Each of the following are also Insureds: a. The Named Insured's volunteer workers but only while performing duties related to the conduct of the Named Insured's business. b. The Named Insured's employees, other than either the Named Insured's executive officers (if the Named Insured is an organization other than a partnership, joint venture or limited liability company) or the Named Insured's managers (if the Named Insured is a limited liability company), but only for acts within the scope of their employment by the Named Insured or while performing duties related to the conduct of the Named Insured's business. However, none of these employees or volunteer workers are Insureds for: i. bodily injury or personal and advertising injury: (a) to the Named Insured, to the Named Insured's partners or members (if the Named Insured is a partnership or joint venture), to the Named Insured's members (if the Named Insured is a limited liability company), to a co -employee while in the course of his or her employment or performing duties related to the conduct of the Named Insured's business, or to the Named Insured's other volunteer workers while performing duties related to the conduct of the Named Insured's business; (b) to the spouse, child, parent, brother or sister of that co -employee or volunteer worker as a consequence of paragraph (i)(a) above; (c) for which there is any obligation to share damages with or repay someone else who must pay damages because of the injury described in paragraph i. (a) or (b) above; or (d) arising out of his or her providing or failing to provide professional health care services. ii. property damage to property: (a) owned, occupied or used by; (b) rented to, in the care, custody or control of, or over which physical control is being exercised for any purpose by; the Named Insured, any of the Named Insured's employees, volunteer workers, any partner or member (if the Named Insured is a partnership or joint venture), or any member (if the Named Insured is a limited liability company). C. With respect to the Coverage C - Crisis Event Management and the Coverage D - Key Employee, the Named Insured is the Insured. V. LIMITS OF INSURANCE A. Multiple Insureds, claims, claimants The limits of insurance shown in the Declarations of this Policy and the rules below fix the most the Form No: CNA75504XX (03-2015) Pc Policy Page: 15 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA Insurer will pay regardless of the number of: 1. Insureds; 2. claims made or brought against the Insured; CNA Paramount Excess and Umbrella Liability Policy 3. persons or organizations making claims or bringing claims; and 4. coverages under this Policy. B. Aggregate Limit Subject to the paragraphs D. and E. below, the limit of insurance shown in the Declarations of this Policy as the Aggregate limit is the most that the Insurer will pay as damages under this Policy, regardless of which coverage applies, except for: 1. damages covered by any auto liability policy listed in the Schedule of Underlying Insurance where the limits of insurance of such auto liability policy are not aggregated; and 2. damages covered under the products -completed operations hazard. The limits of insurance shown in the Declarations of this Policy apply to the entire policy period, regardless of length. In addition, with respect to Coverage A — Excess Follow Form Liability only, the Aggregate limit shown in the Declarations of this Policy shall be applied in the same manner as the applicable Aggregate limits in the Schedule of underlying insurance. C. Aggregate Products -Completed Operations Hazard Subject to paragraph D. and E. below, the limit of insurance shown in the Declarations of this Policy as the Aggregate Products -Completed Operations Hazard limit is the most that the Insurer will pay as damages arising out of the products -completed operations hazard, regardless of whether such damages are or otherwise would be covered in any way under more than one coverage. D. Policy Aggregate Limit This provision D. only applies if an amount is shown in the Declarations as the Policy Aggregate Limit. Subject to the Each Incident limit, Aggregate limit and Aggregate products -completed operations hazard limit, the Policy Aggregate limit is the most the Insurer will pay as damages under this Policy, regardless of which coverage applies, except for damages covered by any auto liability policy listed in the Schedule of Underlying Insurance where the limits of insurance of such auto liability policy are not aggregated. E. Each Incident Subject to paragraphs B., C. and D. above, the limit of insurance shown in the Declarations of this Policy as the Each Incident limit is the most the Insurer will pay for the sum of all damages arising out of any one incident under this Policy, regardless of which coverage applies. F. Crisis Management Solely with respect to Coverage C — Crisis Management Expenses, the most the Insurer will pay is the limit of insurance shown on the Declarations of this Policy as the Crisis Management Expenses Aggregate limit, regardless of the number crisis management events for which crisis management expenses are incurred. Crisis management expenses are not subject to the retained amount. The Crisis Management Expenses Aggregate limit of insurance is in addition to and will not erode any other limits of this Policy. The Crisis Management Expenses Aggregate limit of insurance shall be excess of any other limits of insurance available to the Insured for the same expenses. G. Key Employee Replacement Expenses Form No: CNA75504XX (03-2015) Pc Policy Page: 16 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Solely with respect to Coverage D — Key Employee, the most the Insurer will pay for key employee replacement expenses is the Key Employee Aggregate limit shown on the Declarations of this Policy, regardless of the number key employees for which key employee replacement expenses are incurred. Key employee replacement expenses are not subject to the retained amount. The Key Employee Replacement Expenses Aggregate limit of insurance is in addition to and will not erode any other limits of this Policy. The Key Employee Replacement Expenses Aggregate limit of insurance shall be excess of any other limits of insurance available to the Insured for the same expenses. H. Defense Costs Defense costs are either paid within or are in excess of the limits of insurance as set forth in paragraph C. of the section entitled Defense Costs Payment and Related Duties. I. Exhaustion or Reduction of Applicable Underlying Limit Solely with respect to Coverage A - Excess Follow Form Liability, if the applicable underlying limits are: 1. reduced solely by the payment of covered loss as set forth in Coverage A including related costs and expenses (if such related costs and expense reduce such limits) Coverage A will apply in excess of the remaining amount of such applicable underlying limit; or 2. exhausted, solely by the payment of covered loss as set forth in Coverage A including related costs and expenses (if such related costs and expense reduce such limits) then Coverage A will apply, subject to this Policy's limit of insurance provision and to the remaining terms and provisions and conditions of this Policy in place of such exhausted applicable underlying limit. If any loss covered under any underlying insurance is subject to a sub -limit (whether or not such sub -limit erodes the limits generally available to all claims), then the underlying limits shall not be deemed depleted by payment of any such sub -limits. Nothing herein shall serve to increase the limits of insurance shown in the Declarations of this Policy. VI. CONDITIONS A. Appeals If the Named Insured or its underlying insurers elect not to appeal a judgment in excess of the limits of insurance afforded by the underlying insurance the Insurer may elect to appeal at the Insurer's expense. The Insurer's limits of insurance shall not be increased because of such appeal. However, the Insurer will pay the following costs and expenses: 1. all premium bonds to release attachments for an amount not in excess of the applicable limit of insurance of this policy; 2. all premiums on appeal bonds required in such defended claims, but without obligation to apply for or furnish such bonds; 3. court fees; and 4. costs and expenses taxed against the Named Insured by the appellate court and interest accruing after entry of a judgment against the Named Insured and before the Insurer has paid, offered to pay, or deposited in court the part of the judgment that is within the applicable limit of insurance of this Policy. Where the underlying insurers terminate their liability to pay interest on the judgment by an offer to pay their limits, the Named Insured shall demand that such limits be paid. If the appeal is successful, such amounts not obligated to be paid shall be returned to such underlying insurer. B. Cancellation and Nonrenewal Form No: CNA75504XX (03-2015) Pc Policy Page: 17 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy The Cancel lation/Nonrenewal provisions are as set forth in the Cancellation/Nonrenewal Endorsement attached to this Policy. C. Changes to the Policy Notice to any of the Insurer's agents or knowledge possessed by any such agent or any other person shall not act as a waiver or change in any part of this Policy, nor will such notice prevent the Insurer from asserting any rights under the provisions of this Policy. None of the provisions of this Policy will be waived, changed or modified except by written endorsement issued by the Insurer to form a part of this Policy. D. Concealment, Misrepresentation and Fraud No concealment, misrepresentation or fraud shall avoid or defeat recovery under this Policy unless such concealment, misrepresentation or fraud was material. Concealment, misrepresentation or fraud in the procurement of this Policy which if known by the Insurer would have led to refusal by the Insurer to make this contract or provide coverage, or to make this contract or provide coverage on different terms or conditions, will be deemed material. E. Duties of the First Named Insured on the Declarations of this Policy The First Named Insured, on behalf of all others, will be: 1. authorized to make changes in the terms of this Policy with the consent of the Insurer; 2. the payee of any premiums the Insurer refunds; 3. responsible for: a. remitting the payment of all premiums due, but all Named Insureds jointly and severally agree to make such payments in full if the First Named Insured fails to pay the amount due within 10 days after the Insurer give written notice or demand; b. keeping records of the information the Insurer requires for premium computation, and sending copies of such records at such times as requested by the Insurer; c. notifying the Insurer that the First Named Insured on behalf of all others wants to cancel this Policy; and d. providing any notice required under this Policy. F. Economic and Trade Sanctions This Policy does not provide coverage for an Insured, transaction or that part of loss that is uninsurable under the laws or regulations of the United States concerning trade or economic sanctions. G. Entire Contract By acceptance of this Policy, the Insureds agree that this Policy, including all endorsements to this Policy, constitute the entire contract existing between the parties relating to this insurance. H. Estates, Legal Representatives and Spouses The estates, heirs, legal representatives and spouses of any natural person Insured shall also be insured under this Policy; provided, however, coverage is afforded to such estates, heirs, legal representatives, and spouses only for claims arising solely out of their capacity or status as such and, in the case of a spouse, where such claim seeks damages from marital community property, jointly held property or property transferred from such natural person Insured to such spouse. No coverage is provided for any act, error or omission of an estate, heir, legal representative, or spouse outside the scope of such person's capacity or status as such provided however that this sentence does not apply to the spouse of: 1. a sole proprietorship Named Insured; or Form No: CNA75504XX (03-2015) Pc Policy Page: 18 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy 2. members or partners of joint venture or partnership Named Insureds. Examination of the Named Insured's Books and Records The Insurer may examine and audit the Named Insured's books and records as they relate to this Policy at any time during the policy period and up to 3 years afterward. J. Financial Impairment Bankruptcy, rehabilitation, receivership, liquidation or other financial impairment of the Named Insured or an underlying insurer shall neither relieve nor increase any of the Insurer's obligations under this Policy. In the event there is diminished recovery or no recovery available to the Named Insured as a result of financial impairment of an underlying insurer, the coverage under this Policy shall apply only in excess of the underlying limits. Under no circumstances shall the Insurer be required to drop down and replace the underlying limits, or assume the obligations of the Named Insured or the financially impaired insurer. K. Headings The description in the headings and subheadings of this Policy is solely for convenience, and forms no part of the terms and conditions of coverage. L. Inspections and Surveys The Insurer has the right but is not obligated to: 1. make inspections and surveys at any time; 2. give the Named Insured reports on the conditions it finds; 3. recommend changes; or 4. conduct loss control and prevention activity. Any inspections, surveys, reports, or recommendations relate only to insurability and the premiums to be charged. The Insurer does not: 1. make safety inspections; 2. undertake to perform the duty of any organization to provide for the health or safety of workers or the public; nor 3. warrant that conditions are safe or healthful or comply with laws, regulations, codes or standards. This provision applies not only to the Insurer, but also to any rating, advisory, rate service, or similar organization which makes insurance inspections, surveys, recommendations, reports, or gives loss control or prevention advice, on its behalf. M. Legal Action Limitation No person or organization has a right under this Policy: 1. to join the Insurer as a party or otherwise bring the Insurer into a suit asking for damages from an Insured; or 2. to sue Insurer on this Policy unless all of its terms have been fully complied with. A person or organization may sue the Insurer to recover on an agreed settlement or on a final judgment against an Insured; but the Insurer will not be liable for damages that are not payable under the terms of this Policy or that are in excess of the applicable limit of insurance. An "agreed settlement" means a settlement and release of liability signed by the Insurer, the Insured and the claimant or the claimant's legal representative. Form No: CNA75504XX (03-2015) Pc Policy Page: 19 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY.- CMUM Risk Management Analyst DNA N. Maintenance of Underlying Insurance CNA Paramount Excess and Umbrella Liability Policy Solely with respect to Coverage A - Excess Follow Form Liability, while this Policy is in force the First Named Insured agrees that the underlying insurance and renewals and replacements thereof shall be maintained, without alterations of terms or conditions, in full effect during the term of this Policy; except for reduction or exhaustion of the limits of insurance in the underlying insurance, provided that such reduction or exhaustion is solely the result of incidents covered under this Policy. If the First Named Insured fails to maintain underlying insurance, this condition shall not invalidate this Policy. However, in the event of such failure, the Insurer will only be liable to the same extent as if such underlying insurance was in full force and effect without alteration of its terms and conditions. O. Notice of Claims/Crisis Management Event/Covered Accident 1. Solely with respect to Coverage A - Excess Follow Form Liability, if any underlying insurance is a policy issued by the Insurer or any of its affiliates, then notice of any claim under such underlying insurance is notice to the Insurer under this Policy. 2. It is a condition precedent to coverage under this Policy that: a. subject to paragraph b. below, the Insured notify the Insurer as soon as practicable of an incident which an Insured believes may result in a claim. To the extent possible, notice should include: L how, when and where the incident took place; ii. the names and addresses of any injured persons and witnesses; and iii. the nature and location of any injury or damage arising out of the incident. b. the Insured notify the Insurer as soon as practicable of an incident if it involves: L a demand against the Insured which exceeds 50% of any remaining applicable underlying limit; ii. any underlying insurance reserve or monetary exposure exceeding $500,000; or iii. any of the following: (a) brain damage, including but not limited to any neurological impairment of infants or adults and coma; (b) spinal cord injury, including but not limited to paraplegia or quadriplegia; (c) loss of any organ; (d) severe disfigurement, including but not limited to burns and amputations; or (e) death. c. if a claim is made against any Insured, the Named Insured: i. will immediately record the specifics of the claim and the date received and notify the Insurer of such claim; ii. will immediately send the Insurer copies of any demands, notices, summonses or legal papers received in connection with the claim; iii. will authorize the Insurer to obtain records and other information; iv. will cooperate with the Insurer in the investigation or settlement of the claim or defense against the suit; will assist the Insurer, upon its request, in the enforcement of any right against any person Form No: CNA75504XX (03-2015) P Policy Page: 20 of 32 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy or organization which may be liable to the Insured because of injury or damage to which this insurance may also apply; and vi. will not voluntarily make a payment, except at its own cost, assume any obligation, or incur any expense, other than for first aid, without the Insurer's prior consent. 3. Cooperation With respect to both Coverage A - Excess Follow Form Liability and Coverage B — Umbrella Liability, the Named Insured will cooperate with the Insurer in addressing all claims required to be reported to the Insurer in accordance with this paragraph O. Notice of Claims/Crisis Management Event/Covered Accident, and refuse, except solely at its own cost, to voluntarily, without the Insurer's approval, make any payment, admit liability, assume any obligation or incur any expense related thereto. P. Notices Any notices required to be given by an Insured shall be submitted in writing to the Insurer at the address set forth in the Declarations of this Policy. Q. Other Insurance If the Insured is entitled to be indemnified or otherwise insured in whole or in part for any damages or defense costs by any valid and collectible other insurance for which the Insured otherwise would have been indemnified or otherwise insured in whole or in part by this Policy, the limits of insurance specified in the Declarations of this Policy shall apply in excess of, and shall not contribute to a claim, incident or such event covered by such other insurance. With respect to Coverage A — Excess Follow Form Liability only, if: a. the Named Insured has agreed in writing in a contract or agreement with a person or entity that this insurance would be primary and would not seek contribution from any other insurance available; b. Underlying Insurance includes that person or entity as an additional insured; and c. Underlying Insurance provides coverage on a primary and noncontributory basis as respects that person or entity; then this insurance is primary to and will not seek contribution from any insurance policy where that person or entity is a named insured. R. Premium All premium charges under this Policy will be computed according to the Insurer's rules and rating plans that apply at the inception of the current policy period. Premium charges may be paid to the Insurer or its authorized representative. S. In Rem Actions A quasi in rem action against any vessel owned or operated by or for a Named Insured, or chartered by or for a Named Insured, will be treated in the same manner as though the action were in personam against the Named Insured. T. Separation of Insureds Except with respect to the limits of insurance, and any rights or duties specifically assigned in this Policy to the First Named Insured, this insurance applies: 1. as if each Named Insured were the only Named Insured; and 2. separately to each Insured against whom a claim is made. U. Transfervof Interest Form No: CNA75504XX (03-2015) Pc Policy Page: 21 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Assignment of interest under this policy shall not bind the Insurer unless its consent is endorsed hereon. V. Unintentional Omission Based on Insurer's reliance on the Named Insured's representations as to existing hazards, if the Named Insured should unintentionally fail to disclose all such hazards at the effective date of this Policy, the Insurer will not deny coverage under this Policy because of such failure. W. Waiver of Rights of Recovery The Insurer waives any right of recovery it may have against any person or organization because of payments the Insurer makes under this Policy if the Named Insured has agreed in writing to waive such rights of recovery in a contract or agreement, and only if the contract or agreement: 1. is in effect or becomes effective during the policy period; and 2. was executed prior to loss. VII. DEFINITIONS For purposes of this Policy, words in bold face type, whether expressed in the singular or the plural, have the meaning set forth below. Advertisement means a notice that is broadcast or published to the general public or specific market segments about the Named Insured's goods, products or services for the purpose of attracting customers or supporters. For the purposes of this definition: A. notices that are published include material placed on the Internet or on similar electronic means of communication; and B. regarding web -sites, only that part of a web -site that is about the Named Insured's goods, products or services for the purposes of attracting customers or supporters is considered an advertisement. Aircraft means any machine or device that is capable of atmospheric flight. Arbitration proceeding means a formal alternative dispute resolution proceeding or administrative hearing to which an Insured is required to submit by statute or court rule or to which an Insured has submitted with the Insurer's consent. Asbestos means the mineral in any form whether or not the asbestos was at any time airborne as a fiber, particle or dust, contained in or formed a part of a product, structure or other real or personal property, carried on clothing, inhaled or ingested, or transmitted by any other means. Authorized Insured means any executive officer, member of the Named Insured's risk management or in-house general counsel's office, or any employee authorized by the Named Insured to give or receive notice of a claim. Auto means: A. a land motor vehicle, trailer or semitrailer designed for travel on public roads, including any attached machinery or equipment; or B. any other land vehicle that is subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. However, auto does not include mobile equipment. Bodily injury means bodily injury, sickness or disease sustained by a person, including death, humiliation, shock, mental anguish or mental injury sustained by that person at any time which results as a consequence of the bodily injury, sickness or disease. Claim means a: A. suit; or Form No: CNA75504XX (03-2015) Pc Policy Page: 22 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA CNA Paramount Excess and Umbrella Liability Policy B. written or oral demand for damages alleging injury to which this insurance applies. Coverage territory means: A. the United States of America (including its territories and possessions), Puerto Rico and Canada; B. international waters or airspace, but only if the injury or damage occurs in the course of travel or transportation between any places included in paragraph A. above; or C. all other parts of the world if the injury or damage arises out of: 1. goods or products made or sold by the Named Insured in the territory described in paragraph A. above; 2. the activities of a natural person whose home is in the territory described in paragraph A. above, but is away for a short time on the Named Insured's business; or 3. an offense that take place through the Internet or similar electronic means of communication, provided that the Insured's responsibility to pay damages is determined in a suit on the merits, in the territory described in paragraph A. above or in a settlement the Insurer agrees to. Covered accident means a sudden and unexpected event, which solely and independently of any other cause results in the key employee's death or permanent disability within one year after the date of the sudden event. Crisis management event means an event that an executive officer reasonably believes has resulted or may result in significant adverse regional or national media coverage and a claim for: A. bodily injury, property damage or any of the following personal and advertising injury offenses: 1. false arrest, detention or imprisonment; 2. malicious prosecution or abuse of process; or 3. wrongful eviction from, wrongful entry into, or the invasion of the right of private occupancy of a room, dwelling or premises that a person occupies committed by or on behalf of its owner, landlord or lessor; and B. damages to which this insurance applies, that are in excess of any applicable: 1. underlying limits; or 2. retained amount. Crisis management expenses means crisis management public relations expenses and crisis management other expenses provided however crisis management expenses do not include any of the following: A. salary, wages, or benefits of the Named Insured or the Named Insured's employees; B. loss of business income; C. costs to acquire, repair or replace real or personal property; or D. expense to hire a public adjuster or appraiser or any other claim adjustment expenses incurred by a Named Insured. Crisis management public relations expenses means reasonable and necessary expenses incurred in connection with a crisis management event by the Named Insured: A. to hire a crisis management firm; B. to set up call centers or similar inquiry management system to manage inquiries from, or to directly contact, individuals or entities that may be directly impacted by such crisis management event; to create and deliver notification letters to contact individuals or entities that may be directly impacted Form No: CNA75504XX (03-2015) P Policy Page: 23 of 32 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst DNA by the crisis management event; or D. other related miscellaneous expenses. CNA Paramount Excess and Umbrella Liability Policy Crisis management other expenses means reasonable and necessary expenses incurred in connection with a crisis management event by the Named Insured: A. to pay medical expenses, funeral expenses, psychological counseling expenses, travel expenses, and temporary living expenses of a third party who incurs bodily injury, or a family member of such third party, by reason of such crisis management event; B. for travel expenses incurred by or on behalf of Insureds and at the direction of the crisis management firm; C. to secure the scene of a crisis management event; and D. other related miscellaneous expenses. Crisis management firm means a public relations firm, law firm or crisis management firm approved by the Insurer to provide media management services and to respond to actual or anticipated adverse publicity arising out of a crisis management event or covered accident. Damages means the amount an Insured is legally obligated to pay, either through: A. final adjudication of a claim; or B. through compromise or settlement of a claim with the Insurer's written consent or direction, because of covered incidents. In addition, damages includes the above -mentioned sums only after deducting all other recoveries and salvages. However, damages does not include: 1. civil or criminal fines, sanctions, penalties or forfeitures, whether pursuant to law, statute, regulation or court rule; 2. injunctive or declaratory relief; 3. any amount that is not insurable under any applicable law; or 4. plaintiff's attorney fees associated with any of the above. Notwithstanding paragraph 3. above, damages shall include (subject always to this Policy's other terms, conditions and limitations) punitive and exemplary damages the enforceability of which shall be governed by such applicable law that most favors coverage for damages. Defense costs mean: A reasonable and necessary fees, costs, and expenses incurred by the Insurer or consented to by the Insurer and incurred by the Named Insured in the defense or appeal of a covered suit or in the investigation of any covered claim, and includes premium for appeal bonds arising out of a covered judgment, attachment bonds or similar bonds, but only for bond amounts up to the applicable limit of insurance. In addition, the Insurer will pay up to $25O for cost of bail bonds required because of accidents or traffic law violations arising out of the use of any vehicle to which bodily injury coverage applies. The Insurer has no obligation to provide such bonds. B. prejudgment interest awarded against an Insured on that part of a judgment covered by this policy. If the Insurer makes an offer to pay the applicable limit of insurance, the Insurer will not pay any prejudgment interest based on that period of time after the offer. post judgment interest which accrues after entry of judgment, but before the Insurer has paid or offered C. to pay, or deposited in court that part of the judgment which is within the limit of insurance of this Policy. The amount of interest the Insurer pays will be in direct proportion to the amount of damages Form No: CNA75504XX (03-2015) Pc Policy Page: 24 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy the Insurer pays in relation to the total amount of the judgment. D. all reasonable expenses incurred by a natural person Insured at the Insurer's request to assist the Insurer in the investigation or defense of the claim. This includes such Insured's actual loss of earnings up to $750 per day, because of time off from work. E. all court costs taxed against the Insured in the suit. However, these payments do not include attorneys' fees or attorneys' expenses taxed against the Insured. Electronic data means information, facts or programs stored as or on, created or used on, or transmitted to or from computer software, including systems and applications software, hard or floppy disks, CD-ROMS, tapes, drives, cells, data processing devices or any other media which are used with electronically controlled equipment. Employee includes leased workers or employees loaned to the Insured. Temporary workers are not employees. Executive Officer means any natural person holding any of the following positions created by the Named Insured's charter, constitution, bylaws or any other similar governing document: A. director, officer, trustee or governor of a corporation; B. management committee member of a joint venture; C. partner of a partnership; D. manager of a limited liability company; and E. trustee of a trust. An executive officer is not an employee. First Named Insured means the person or organization first listed as a Named Insured in the Declarations of this Policy. Fungi means any form of fungus, including but not limited to, yeast, mold, mildew, rust, smut or mushroom, and including any spores, mycotoxins, odors, or any other substances, products, or byproducts produced by, released by, or arising out of the current or past presence of fungi. However, fungi does not include any fungi intended by the Insured for human consumption. Hostile fire means one which becomes uncontrollable or breaks out from where it was intended to be. Impaired property means tangible property, other than your product or your work that cannot be used or is less useful because: A. it incorporates your product or your work that is known or thought to be defective, deficient, inadequate or dangerous; or B. the Named Insured has failed to fulfill the terms of a contract or agreement, if such property can be restored to use by the repair, replacement, adjustment or removal of your product or your work; or the Named Insured's fulfilling the terms of the contract or agreement. Incident means: A. with respect to Coverage A - Excess Follow Form Liability, a covered event as defined in applicable underlying insurance; B. solely with respect to Coverage B - Umbrella Liability: 1. with respect to bodily injury and property damage, incident means an occurrence; or C. 2. with respect to personal and advertising injury, incident means an offense that gives rise to such personal and advertising injury. Form No: CNA75504XX (03-2015) Pc Policy Page: 25 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Insured means any person or organization set forth in the section entitled WHO IS AN INSURED. Insured contract means: A. a contract for a lease of premises. However, that portion of the contract for a lease of premises that indemnifies any person or organization for damage by fire to premises while rented to the Namedlnsured or temporarily occupied by the Named Insured with permission of the owner is not an insured contract; B. a sidetrack agreement; C. an easement or license agreement; except in connection with construction or demolition operations on or within 50 feet of a railroad; D. an obligation, as required by ordinance, to indemnify a municipality except in connection with work for a municipality; E. an elevator maintenance agreement; or F. the part of any other contract or agreement pertaining to its business (including an indemnification of a municipality in connection with work performed for a municipality) under which the Named Insured assumes the tort liability of another party to pay for bodily injury or property damage to a third person or organization, provided the bodily injury or property damage is caused, in whole or in part, by the Named Insured or by those acting on its behalf. However, such part of a contract or agreement shall only be considered an insured contract to the extent the Named Insured's assumption of the tort liability is permitted by law. "Tort liability" means liability that would be imposed by law in the absence of contracts or agreements. This paragraph F. does not include that part of a contract or agreement: 1. that indemnifies a railroad for bodily injury or property damage arising out of construction or demolition operations, within 50 feet of any railroad property and affecting any railroad bridge or trestle, tracks, road -beds, tunnel, underpass or crossing; 2. that indemnifies an architect, engineer or surveyor for bodily injury or property damage arising out of: a preparing, approving or failing to prepare or approve maps, shop drawings, opinions, reports, surveys, field orders, change orders or drawings and specifications; or b giving directions or instructions, or failing to give them, if that is the primary cause of the bodily injury or property damage; 3 under which an Insured, if an architect, engineer or surveyor, assumes liability for bodily injury or property damage arising out of such Insured's rendering or failure to render professional services, including those listed in paragraph 2. above and supervisory, inspection, architectural or engineering activities; or 4. that indemnifies a person or organization for damage by fire to premises rented to or loaned to an Insured. Key employee means any of the following officer and employment positions: A. Chief Executive Officer; B. Chief Operating Officer; C. Chief Financial Officer; D. Corporate Secretary; E. Treasurer; F. Executive Vice President; and Form No: CNA75504XX (03-2015) Pc Policy Page: 26 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy G. Risk Manager Key employee also means anyone added as such by endorsement to the Policy. Key employee replacement expenses means the actual and necessary expenses incurred by the Named Insured: A. to continue the performance of the Icey employee's normal job responsibilities, with comparable quality, while a permanent replacement for the Icey employee is being sought, appointed or hired, and trained. B. to find a qualified permanent replacement to fill the Icey employee's position: 1. costs of advertising the employment position opening; 2. travel, lodging, meal and entertainment expenses incurred in interviewing job applicants for the employment position opening; and 3. miscellaneous extra expenses incurred in finding, interviewing and negotiating with the job applicants, including, but not limited to, overtime pay, costs to verify the background and references of the job applicants and legal expenses incurred to draw up employment contracts. C. to minimize the amount of Icey employee replacement expenses, but only to the extent the amount of Icey employee replacement expenses otherwise payable under paragraphs 1. and 2. above are reduced. D. to relocate the replacement employee to an area within a reasonable commute from their place of employment. E. to pay the following reasonable and necessary expenses incurred in connection with the death or permanent disability of any Icey employee: 1. to hire a crisis management firm. 2. to create and deliver notification letters to contact individuals or entities that may be directly impacted by the Icey employee covered accident; or 3. other related miscellaneous expenses F. Key employee replacement expenses also include first year amounts of the replacement employee's: 1. annual base starting salary; 2. employee perquisite costs; and 3. employee benefit costs; in excess of the amounts which would have been incurred for the Icey employee if the Named Insured had not lost the services of the Icey employee. However, the Insurer will not pay more for these expenses than 10% of the amounts which would have been incurred for the Icey employee. Key employee replacement expenses do not include the following: a. any expenses which would have been incurred by the Named Insured for the Icey employee if the Named Insured had not lost the services of the Icey employee; b. any Icey employee replacement expenses that are paid for by any other insurance; c. except as provided in paragraph F. above, salary, wages, or benefits of the Named Insured, the Named Insured's employees, the Named Insured's temporary workers or volunteer workers; d. costs to acquire, repair or replace real or personal property; e. the Named Insured's loss of business income; f. expenses incurred by or on behalf of the Named Insured to hire a public adjuster or appraiser or any other claim adjustment expenses incurred by the Named Insured; and Form No: CNA75504XX (03-2015) Pc Policy Page: 27 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY.- CMUM Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy g. expenses incurred by or on behalf of the Named Insured due to bodily injury, property damage, or personal and advertising injury. Leased worker means a person leased to the Named Insured by a labor leasing firm under an agreement between the Named Insured and such labor leasing firm, to perform duties related to the conduct of the Named Insured's business. Leased worker does not include a temporary worker. Loading or unloading means the handling of property: A. after it is moved from the place where it is accepted for movement into or onto an aircraft, watercraft or auto; B. while it is in or on an aircraft, watercraft or auto; or C. while it is being moved from an aircraft, watercraft or auto to the place where it is finally delivered. However, loading or unloading does not include the movement of property by means of a mechanical device, other than a hand truck, that is not attached to the aircraft, watercraft or auto. Mobile equipment means any of the following types of land vehicles, including any attached machinery or equipment: A. bulldozers, farm machinery, forklifts and other vehicles designed for use principally off public roads; B. vehicles maintained for use solely on or next to premises the Named Insured owns or rents; C. vehicles that travel on crawler treads; D. vehicles, whether self-propelled or not, maintained primarily to provide mobility to permanently mounted: 1. power cranes, shovels, loaders, diggers or drills; or 2. road construction or resurfacing equipment such as graders, scrapers or rollers; E. vehicles not described in A., B., C. or D. above that are not self-propelled and are maintained primarily to provide mobility to permanently attached equipment of the following types: 1. air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment; or 2. cherry pickers and similar devices used to raise or lower workers; and F. vehicles not described in A., B., C. or D. above maintained primarily for purposes other than the transportation of persons or cargo. However, self-propelled vehicles with the following types of permanently attached equipment are not mobile equipment but will be considered autos: 1. equipment designed primarily for: a. snow removal; b. road maintenance, but not construction or resurfacing; or c. street cleaning; 2. cherry pickers and similar devices mounted on automobile or truck chassis and used to raise or lower workers; and 3. air compressors, pumps and generators, including spraying, welding, building cleaning, geophysical exploration, lighting and well servicing equipment. However, mobile equipment does not include land vehicles that are subject to a compulsory or financial responsibility law or other motor vehicle insurance law where it is licensed or principally garaged. Land vehicles subject to a compulsory or financial responsibility law or other motor vehicle insurance law are Form No: CNA75504XX (03-2015) P Policy Page: 28 of 32 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy considered autos. Named Insured means the persons or organizations named as such in the Declarations of this Policy. Nuclear facility means: A. any nuclear reactor; B. any equipment or device designed or used for: 1. separating the isotopes of uranium or plutonium; 2. processing or utilizing spent fuel; or 3. handling, processing or packaging nuclear waste; C. any equipment or device used for the processing, fabricating or alloying of special nuclear material if at any time the total amount of such material in the custody of any Insured at the premises where such equipment is located consists of or contains more than: 1. 25 grams of plutonium or uranium 233 or any combination thereof; or 2. 250 grams of uranium 235; and D. any structure, basin, excavation, premises or place prepared or used for the storage or disposal of nuclear waste; and includes the site on which any of the foregoing is located, all operations conducted on such site and all premises used for such operations. Nuclear material means source material, special nuclear material, or by-product material as these terms are defined in the Atomic Energy Act of 1954 or in any law amendatory thereof. Nuclear reactor means an apparatus designed or used to sustain nuclear fission in a self-supporting chain reaction or to contain a critical mass of fissionable material. Nuclear Waste means waste material: A containing by-product material other than the tailings or waste produced by the extraction or concentration of uranium or thorium from ore processed primarily for its source material (as defined in the Atomic Energy Act of 1954 or in any law amendatory thereof) content; and B. resulting from the operation by any person or organization, of a nuclear facility included within paragraphs A. and B. of the definition of nuclear facility. Occurrence means an accident, including continuous or repeated exposure to substantially the same general harmful conditions. Other insurance means any: A. valid and collectible policy of insurance; B. self insurance; or C. indemnity agreement by which an Insured arranges for funding or transferring its liabilities that provides coverage that this Policy also provides. Other insurance does not include underlying insurance or any policy that was bought specifically to apply in excess of the limits of insurance shown in the Declarations of this Policy. Other organic pathogens means any organic irritant or contaminant other than fungi, including but not limited to bacteria, microbes and viruses (whether or not a microorganism), that cause infection and disease. Other organic pathogens includes any spores, mycotoxins, odors, variants, mutations, or any other substances, products, or byproducts produced by, released by, or arising out of the current or past presence of such Form No: CNA75504XX (03-2015) Pc Policy Page: 29 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY.- CMUM Risk Management Analyst DNA pathogens, and any colony or group of the foregoing. CNA Paramount Excess and Umbrella Liability Policy However, other organic pathogens does not mean pathogens that were transmitted directly from person to person. Permanent disability means permanent physical inability, or mental inability due to a permanent physical inability, of the key employee to perform the normal duties of the applicable position for which the individual qualifies as a key employee. Personal and advertising injury means injury, including consequential bodily injury, arising out of one or more of the following offenses: A. false arrest, detention or imprisonment; B. malicious prosecution or abuse of process; C. wrongful eviction from, wrongful entry into, or the invasion of the right of private occupancy of a room, dwelling or premises that a person occupies committed by or on behalf of its owner, landlord or lessor; D. oral or written publication, in any manner, of material that slanders or libels a person or organization or disparages a person's or organization's goods, products or services; E. oral or written publication, in any manner, of material that violates a person's right of privacy; F. the use of another's advertising idea in the Named Insured's advertisement; or G. infringing upon another's copyright, trade dress or slogan in the Named Insured's advertisement. Policy period means the time from 12.01 A.M. on the effective date of this Policy as set forth in the Declarations of this Policy to the earlier of 12.01 A.M. of the expiration, termination or cancellation date of this Policy. Pollutants mean any solid, liquid, gaseous or thermal irritant or contaminant, including smoke, vapor, soot, fumes, acids, alkalis, chemicals and waste. Waste includes medical waste and materials to be recycled, reconditioned or reclaimed. Products -completed operations hazard means bodily injury or property damage occurring away from premises the Named Insured owns or rents and arising out of your product or your work except: A. products that are still in the Named Insured's physical possession; or B. work that has not yet been completed or abandoned. However, your work will be deemed completed at the earliest of the following times: 1. when all of the work called for in the Named Insured's contract has been completed; 2. when all of the work to be done at the job site has been completed if the Named Insured's contract calls for work at more than one job site; or 3. when that part of the work done at a job site has been put to its intended use by any person or organization other than another contractor or subcontractor working on the same project. Work that may need service, maintenance, correction, repair or replacement, but which is otherwise complete, will be treated as completed. However, products -completed operations hazard does not include bodily injury or property damage arising out of: A. the transportation of property, unless bodily injury or property damage arises out of a condition in or on a vehicle not owned or operated by the Named Insured, and that condition was created by the loading or unloading of that vehicle by any Insured; B. the existence of tools, uninstalled equipment or abandoned or unused materials; or Form No: CNA75504XX (03-2015) Pc Policy Page: 30 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy C. products or operations for which the underlying insurer states that products -completed operations are subject to the General Aggregate Limit. Property damage means: A. physical injury to tangible property, including all resulting loss of use of that property. All such loss of use shall be deemed to occur at the time of the physical injury that caused it; or B. loss of use of tangible property that is not physically injured. All such loss of use shall be deemed to occur at the time of the incident that caused it. However, electronic data is not tangible property. Retained amount means the self insured retention as set forth on the Declarations of this Policy or the amount payable by other insurance, whichever is greater. Silica means the chemical compound silicon dioxide (Si02) in any form, including dust which contains silicon dioxide. Spouse means any husband, wife or partner in a marriage or civil union or any person qualifying as a domestic partner under any federal, state or local laws or under the Named Insured's employee benefit plans or employee benefits program. Sub limit means a limit that is lower than the underlying limits. Suit means a civil proceeding in which damages because of injury or damage to which this insurance applies are alleged, including: A. an arbitration proceeding alleging such damages; or B. any other alternative dispute resolution proceeding in which such damages are claimed and to which the Insured submits with the Insurer's consent. Temporary worker means a worker who is furnished to the Named Insured to substitute for a permanent employee on leave or to meet seasonal or short-term workload conditions. Underlying insurance means policies of insurance listed in the Schedule of Underlying Insurance including renewal or replacement of such insurance which is neither more restrictive nor more broad than that listed in the aforementioned Schedule of Underlying Insurance. Underlying insurer means the insurer providing the underlying insurance. It does not include any insurer whose policies were purchased specifically to be in excess of this policy. Underlying limits means the limits of insurance as set forth in the Schedule of Underlying Insurance. Volunteer worker means a person who is not an employee and who donates his or her work and acts at the direction of or within the scope of duties determined by the Named Insured and is not paid a fee, salary or other compensation by the Named Insured or anyone else for their work performed for the Insured. Your product means: A. means: 1. any goods or products, other than real property, manufactured, sold, handled, distributed or disposed of by: a. the Named Insured; b. others trading under the Named Insured's name; or c. a person or organization whose business or assets the Named Insured has acquired; and 2. containers (other than vehicles), materials, parts or equipment furnished in connection with such goods or products. Form No: CNA75504XX (03-2015) Pc Policy Page: 31 of 32 P( Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 Pc Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY.- CMUM Risk Management Analyst DNA B. includes: CNA Paramount Excess and Umbrella Liability Policy 1. warranties or representations made at any time with respect to the fitness, quality, durability, performance or use of your product; and 2. The providing of or failure to provide warnings or instructions. C. does not include vending machines or other property rented to or located for the use of others but not sold. Your work: A. means: 1. work or operations performed by the Named Insured or on its behalf; and 2. materials, parts or equipment furnished in connection with such work or operations. B. Includes: 1. warranties or representations made with respect to the fitness, quality, durability, performance or use of your work, and 2. the providing of or failure to provide warnings or instructions. IN WITNESS WHEREOF, the Insurer has caused this Policy to be signed by the Insurer's Chairman and Secretary, but this Policy shall not be binding upon the Insurer unless completed by the attachment of the Declarations of this Policy and signed by the Insurer's duly authorized representative if required. Chairman of the Board Secretary Form No: CNA75504XX (03-2015) P Policy Page: 32 of 32 P Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 P Copyright CNA All Rights Reserved. �oRaN Risk Mwag mendDiAsian REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Endorsement CANCELLATION / NONRENEWAL ENDORSEMENT - GEORGIA Wherever used in this endorsement: 1) Insurer means "we", "us", "our" or the "Company" as those terms may be defined in the policy; and 2) first Named Insured means the person or entity first named on the declarations page; and 3) "Insureds" means all persons or entities afforded coverage under the policy. Any cancellation, non -renewal or termination provisions in the policy are deleted in their entirety and replaced with the following: CANCELLATION AND NON -RENEWAL I. CANCELLATION, NON -RENEWAL AND CONDITIONAL RENEWAL The first Named Insured may request cancellation of this Policy by: A. Returning this Policy to the Insurer; or B. Giving the Insurer or the Insurer's authorized agent advance notice of cancellation in one or more of the following ways: 1. Orally; 2. Electronically; or 3. Mailing or delivering to the Insurer written notice stating a future date on which the policy is to be canceled. Such cancellation will be accomplished in the following manner: 1. If only the interest of the first Named Insured is affected, the policy shall be canceled effective on the later of the date: 1) the policy is returned to the Insurer; 2) The Insurer receives notice from the first Named Insured; or 3) specified in the notice; provided, however, that upon receipt of a notice of cancellation from the first Named Insured, the Insurer may waive the future date requirement by confirming the date and the time of cancellation to the first Named Insured. 2. If by statute, regulation, or contract the policy may not be canceled unless notice is given to a governmental agency, mortgagee, or other third party, the Insurer will mail or deliver such notice stating the date the cancellation will become effective, but such date will not be less than ten (10) days from the date of mailing or delivery of the notice. 3. In the event of oral cancellation, the Insurer shall within 10 days provide the first Named Insured, electronically or in writing, confirmation of such requested cancellation. 4. The Insurer may require that the first Named Insured provide written, electronic or other recorded verification of the request for cancellation prior to such cancellation taking effect. C. If the policy has been in effect for less than sixty (60) days and is not a renewal the Insurer may cancel the policy for any reason by mailing or delivering written notice to the first Named Insured, at the last mailing address known to the Insurer, at least ten (10) days before the effective date of cancellation. D. If the policy has been in effect for sixty (60) days or more or if it is a renewal, a notice of termination, including a notice of cancellation or non -renewal, by the Insurer, a notice of increase in premiums, other than an increase in premiums due to a change in risk or exposure, including a change in experience modification or resulting from an audit of auditable coverages, which exceeds fifteen percent (15%) of the current policy's premium, or a notice of change in any policy provision which limits or restricts coverage, the Insurer will mail or deliver written notice to the first Named Insured, at the last mailing address known to the Insurer, at least: Form No: CNA62814GA (12-2019) Endorsement Effective Date: Endorsement Expiration Date: Endorsement No: 1; Page: 1 of 2 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 © Copyright CNA All Rights Reserved P P Risk Mwag mendDiAsian P o % o...A 'e'�'�i REVIEWED & APPROVED BY. - Risk Management Analyst DNA CNA Paramount Excess and Umbrella Liability Policy Endorsement 1. ten (10) days before the effective date of cancellation, if the Insurer cancels for nonpayment of premium; or 2. sixty (60) days before the effective date of cancellation, if the Insurer cancels for a reason other than nonpayment of premium; or 3. sixty (60) days before the expiration date of the policy, if the Insurer decides to non -renew, increase the premium or limit or restrict coverage. In those cases where an increase in premium exceeds fifteen percent (15%), the notice to the first Named Insured will indicate the dollar amount of the increase. E. If this policy is terminated, the Insurer will send the first Named Insured any premium refund due. If the Insurer cancels the refund will be pro rata. If the first Named Insured cancels, the refund may be less than pro rata. The cancellation will be effective even if the Insurer has not made or offered a refund. F. The notice of cancellation or non -renewal will state the actual reason for the cancellation or non -renewal. G. Notice of cancellation or non -renewal will state the effective date of cancellation or non -renewal. The policy period will end on that date. H. If notice is mailed, proof of mailing will be sufficient proof of notice. All other terms and conditions of the policy remain unchanged. This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below. Form No: CNA62814GA (12-2019) Endorsement Effective Date: Endorsement Expiration Date: Endorsement No: 1 ; Page: 2 of 2 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 © Copyright CNA All Rights Reserved P P Risk Mwag mendDiAsian P o % o...A 'e'�'�i REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Endorsement OWNED AUTOMOBILE LIABILITY EXCLUSION ENDORSEMENT This endorsement modifies insurance provided under the following: PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY PARAMOUNT UMBRELLA LIABILITY POLICY It is understood and agreed as follows: If this endorsement is attached to the PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY, then, solely with respect to autos owned by the Named Insured, under EXCLUSIONS, the section entitled Coverage A - Excess Follow Form Liability Exclusions is amended by the addition of the following new exclusion: Auto any actual or alleged liability arising out of the ownership, maintenance, operation, use, loading or unloading or entrustment to others of any auto. This exclusion applies even if such claim against an Insured alleges negligence or other wrongdoing in the supervision, hiring, employment, training or monitoring of others by that Insured. II. If this endorsement is attached to the PARAMOUNT UMBRELLA LIABILITY POLICY, then, solely with respect to autos owned by the Named Insured, under EXCLUSIONS, the section entitled Coverage A - Umbrella Liability Exclusions, the exclusion entitled Auto or Mobile Equipment is amended by the deletion of the last sentence in its entirety. All other terms and conditions of the policy remain unchanged. This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below. Form No: CNA76449XX (03-2015) Endorsement Effective Date: Endorsement Expiration Date: Endorsement No: 2; Page: 1 of 1 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 © Copyright CNA All Rights Reserved P P Risk Mwag mendDiAsian P o % o...A 'e'�'�i REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Endorsement UNDERLYING INSURANCE COVERAGE LIMITATION ENDORSEMENT This endorsement modifies insurance provided under the following: PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY PARAMOUNT UMBRELLA LIABILITY POLICY It is understood and agreed as follows: If this endorsement is attached to the: A. PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY, then under EXCLUSIONS, the section entitled Coverage B - Umbrella Liability Coverage Exclusions; or B. PARAMOUNT UMBRELLA LIABILITY POLICY, then under EXCLUSIONS, the section entitled Coverage A - Umbrella Liability Exclusions, it is amended with the addition of the following new exclusion: Underlying Insurance Coverage Limitation Notwithstanding anything to the contrary, this policy does not provide broader coverage than that which is provided by any underlying insurance. In the event of any difference between: a. exclusions, restrictions, limiting terms or conditions in this policy and b. exclusions, restrictions, limiting terms or conditions in the underlying insurance; addressing the same general risk or hazard, then the more restrictive provision shall apply. All other terms and conditions of the policy remain unchanged. This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below. Form No: CNA76492XX (03-2015) Endorsement Effective Date: Endorsement Expiration Date: Endorsement No: 3; Page: 1 of 1 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 © Copyright CNA All Rights Reserved P P Risk Mwag mendDiAsian P o % o...A 'e'�'�i REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Endorsement STATE AMENDATORY ENDORSEMENT - GEORGIA This endorsement modifies insurance provided under the following: PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY PARAMOUNT UMBRELLA LIABILITY POLICY It is understood and agreed as follows: If this endorsement is attached to the: A. PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY, then under EXCLUSIONS, the section entitled Coverage B - Umbrella Liability Exclusions, the exclusion entitled Nonemployment Related Discrimination, is deleted in its entirety; or B. PARAMOUNT UMBRELLA LIABILITY POLICY, then under EXCLUSIONS, the section entitled Coverage A - Umbrella Liability Exclusions, the exclusion entitled Nonemployment Related Discrimination, is deleted in its entirety. II. The section entitled CONDITIONS, the Condition entitled Concealment, Misrepresentation and Fraud is deleted in its entirety and replaced with the following: Concealment, Misrepresentation and Fraud No concealment, misrepresentation or fraud shall defeat recovery under this Policy unless such concealment, misrepresentation or fraud was material. Concealment, misrepresentation or fraud in the procurement of this Policy which if known by the Insurer would have led to refusal by the Insurer to make this contract or provide coverage, or to make this contract or provide coverage on different terms or conditions, will be deemed material. III. The section entitled DEFINITIONS, the definition of spouse is deleted in its entirety and replaced with the following: Spouse means any husband or wife under any federal, state or local laws or under the Named Insured's employee benefit plans or employee benefits program. All other terms and conditions of the policy remain unchanged. This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below. Form No: CNA76605GA (03-2015) Endorsement Effective Date: Endorsement Expiration Date: Endorsement No: 4; Page: 1 of 1 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 © Copyright CNA All Rights Reserved P P Risk Mwag mendDiAsian P o % o...A 'e'�'�i ccREVIEWED & APPROVED BY. - Risk Management Analyst CNA II AMENDMENT TO NAMED INSURED CNA Paramount Excess and Umbrella Liability Policy Endorsement This endorsement modifies insurance provided under the following: PARAMOUNT EXCESS AND UMBRELLA LIABILITY POLICY It is understood and agreed that: 1. The section entitled WHO IS AN INSURED is amended as follows: a. Paragraph A. is deleted and replaced by the following: A. With respect to Coverage A - Excess Follow Form Liability: (1) Any person or organization that is a Named Insured under the provisions of underlying insurance shall be considered a Named Insured under Coverage A Excess Follow Form Liability; (2) Any person or organization included as an insured under the provisions of underlying insurance is an Insured under Coverage A - Excess Follow Form Liability; but only for the same coverage, except for limits of insurance, afforded under such underlying insurance. a. Paragraph B. is amended to add the following as Named Insureds under Coverage B - Umbrella Liability: Entities that are named insureds under the provisions of underlying insurance, but only while a Named Insured has management control over the entity during the policy period, subject to the following: (1) the coverage provided by this insurance to such an entity does not apply to: (a) bodily injury or property damage that occurred; or (b) personal and advertising injury caused by an incident first committed; before a Named Insured has management control or after a Named Insured ceases to have management control; and (1) no person or organization is a Named Insured: (a) with respect to the conduct of any current, past or newly formed partnership, limited liability company or joint venture that is not covered by this endorsement as a Named Insured; or (b) if the person or organization is excluded by another endorsement attached to this policy. For the purpose of this provision, management control means a Named Insured: • has more than 50% ownership interest in the entity, directly or indirectly; or • exercises management or financial control over the entity. a. Paragraph C. is deleted and replaced by the following: C. With respect to Coverage C - Crisis Event Management and Coverage D - Key Employee, any entity that qualifies as a Named Insured under Coverage A or Coverage B also qualifies as a Named Insured under Coverage C and Coverage D. Form No: CNA88301 XX (08-2017) Endorsement Effective Date: Endorsement Expiration Date: Endorsement No: 5; Page: 1 of 2 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 © Copyright CNA All Rights Reserved P P Risk ManagmendDiAsian P o % o...A 'e'�'�i REVIEWED & APPROVED BY. - Risk Management Analyst CNA CNA Paramount Excess and Umbrella Liability Policy Endorsement 2. The section entitled DEFINITIONS is amended to delete the definition of Named Insured and replace it with the following: Named Insured means the persons or organizations named as such in the Declarations, and any other organization qualifying as a Named Insured in the Section entitled WHO IS AN INSURED. All other terms and conditions of the policy remain unchanged. This endorsement, which forms a part of and is for attachment to the policy issued by the designated Insurers, takes effect on the Policy Effective Date of said policy at the hour stated in said policy, unless another effective date (the Endorsement Effective Date) is shown below, and expires concurrently with said policy unless another expiration date is shown below. Form No: CNA88301 XX (08-2017) Endorsement Effective Date: Endorsement Expiration Date: Endorsement No: 5; Page: 2 of 2 Underwriting Company: The Continental Insurance Company, 151 N Franklin St, Chicago, IL 60606 © Copyright CNA All Rights Reserved P P Risk Mwag mendDiAsian P o % o...A 'e'�'�j REVIEWED & APPROVED BY. - Risk Management Analyst