Alameda City Council
June 21, 2022

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

TRANSIT COVERAGE - PROPERTY IN THE CARE OF

CARRIERS FOR HIRE
This endorsement modifies insurance provided under the following:

SPECIAL PROPERTY COVERAGE FORM
Except as otherwise stated in this endorsement the 2. The Transit Coverage - Property in the Care of terms and conditions of the policy and of the Special Carriers for Hire also applies to:

Property Coverage Form apply to the insurance stated a. Expenses to Inspect, Repackage and below. Reship Damaged Shipments
A. With respect to this Transit Coverage - Property in The necessary additional expenses you incur the Care of Carriers for Hire only, the following to inspect, repackage and reship Covered changes are made to the Special Property Coverage Property which is physically damaged as a Form:
result of a Covered Cause of Loss.

1. Under A.4. Limitations, subparagraph c.(3) b. Expenses to Protect Covered Property which limits coverage for patterns, dies, molds from Spoilage or Change in Temperature and forms, is deleted. The necessary additional expense you incur

2. Under B. Exclusions to temporarily store Covered Property in a a. Exclusions 1.a. (Earth Movement) and 1.f. temperature controlled environment in order (Water) do not apply to property in transit. to avoid or minimize physical loss or physical damage to such property from
b. Exclusions 2.e. (Dishonesty) and 2.g. spoilage or change in temperature. Such (Exposed Property) do not apply to property
temporary storage must be made necessary
in custody of a carrier for hire. by the sudden and accidental breakdown of c. Exclusion 2.f. (False Pretense) does not heating or refrigeration units) apply to loss or damage caused by your transporting conveyances. good faith acceptance of false bills of lading This additional expense will not include:
or shipping receipts.
(1) Expenses to repair or replace heating or
d. The following Exclusion is added: refrigeration units); We will not pay for physical loss or physical (2) Costs or penalties due to detention or damage caused by or resulting from poor or delay of any vehicles, trailers, insufficient packaging or packing. conveyances or containers; or B. Transit Coverage - Property in the Care of (3) Costs for additional wages, room, board Carriers for Hire
or meals.

1. The insurance that applies to your Business c. F.O.B. Shipments Personal Property and Personal Property of
Others is extended to apply to shipments of that Outgoing shipments where the risk of property while in transit at your risk, by motor physical loss or physical damage is vehicle, railroad car or aircraft between points transferred to the buyer when such property within the Coverage Territory. This includes leaves your premises. property you have sold and for which your You must use all reasonable means to responsibility continues until it is delivered. collect the amount due you from the buyer Form SS 04 30 07 05 Page 1 of 2
© 2005, The Hartford
before making a claim under this Transit E. Deductible
Coverage. We will not make payment until We will not pay for physical loss or physical damage you grant us the right of recovery against in any one occurrence until the amount of physical the buyer. loss or physical damage exceeds $250. We wil d. Loading and Unloading then pay the amount of physical loss or physical Shipments during loading or unloading and damage in excess of $250 up to the applicable Limit within 500 feet of any transporting of Insurance.
conveyance. F. Additional Conditions
e. Return Shipments 1. Valuation
Outgoing shipments which have been Property Loss Condition E.5. is deleted and rejected by the consignee or are not replaced by the following:
deliverable, while: a. Valuation
(1) In due course of transit, being returned (1) Property You Own to you; or
The value of Covered Property will be
(2) Up to 10 days after delivery or the amount of invoice plus accrued attempted delivery awaiting return charges, prepaid charges and charges shipment to you. since shipment; or
Payment under paragraphs a., b., c., d. and (2) In the absence of an invoice, the value e. above will not increase the Transit
of Covered Property will be its actual
Coverage Limit of Insurance. cash value, with proper deduction for C. Under this Transit Coverage - Property in the depreciation, at the point of destination Care of Carriers for Hire, we will not pay for: on the date of expected arrival.

1. Property in the care, custody or control of your b. Property of Others salespersons. The most we will pay for Covered Property

2. Mail shipments in the custody of the U.S. Postal owned by others is the lesser of:

Service. (1) Your legal liability for direct physical

3. Property of Others for which you are responsible loss or physical damage to such as a: property; or
a. Carrier for hire; or (2) What we would pay if you had owned b. Carloader, consolidator, broker, freight the property. forwarder, shipping association, or other 2. Impairment of Rights of Recovery arranger of transportation.

We will not pay for physical loss or physical

4. Property in or on a motor vehicle you own, lease damage, if you impair our rights to recover or operate. damages from any carrier for hire. But you may D. Limit of Insurance accept from carriers for hire bills of lading, receipts or contracts of transportation which
The Limit of Insurance shown in the Declarations for contain a limitation of value.

Transit Coverage - Property in the Care of Carriers
for Hire is the most we will pay for all physical loss
or physical damage in any one occurrence to
property insured under this endorsement.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

HIRED AUTO AND NON-OWNED AUTO
This endorsement modifies insurance provided under the following:

BUSINESS LIABILITY COVERAGE FORM

BUSINESS
expressly modified herein:
c. After the "pollutants" or any property in
A. Amended Coverage: which the "pollutants" are contained are moved from the covered "auto" to the place
Coverage is extended to "bodily injury" and
where they are finally delivered, disposed of
"property damage" arising out of the use of a "hired or abandoned by the "insured". auto" and "non-owned auto".

B. Paragraph B. EXCLUSIONS is amended as Paragraph a. above does not apply to fuels, lubricants, fluids, exhaust gases or other
follows: similar "pollutants" that are needed for or

1. Exclusion g. Aircraft, Auto or Watercraft does result from the normal electrical, hydraulic not apply to a "hired auto" or a "non-owned or mechanical functioning of the covered auto". "auto" or its parts, if:

2. Exclusion e. Employers Liability does not (1) The "pollutants" escape, seep, migrate, apply to "bodily injury" to domestic "employees" or are discharged or released directly not entitled to workers' compensation benefits from an "auto" part designed by its or to liability assumed by the "insured" under an manufacturer to hold, store, receive, or "insured contract". dispose of such "pollutants"; and

3. Exclusion f. Pollution is replaced by the (2) The "bodily injury" and "property following: damage" does not arise out of the
"Bodily injury" or "property damage" arising out operation of any equipment listed in of the actual, alleged or threatened discharge, paragraphs 15.b. and 15.c. of the migration, release or definition of "mobile equipment". seepage,
scape of "pollutants" Paragraphs b. and c. above do not apply to a. That are, or that are contained in any "accidents" that occur away from premises property that is: owned by or rented to an "insured" with respect to "pollutants" not in or upon i
(1) Being transported or towed by, handled, covered "auto" if or handled for movement into, onto or
from, the covered "auto"; (1) The "pollutants" or any property in which the "pollutants" are contained are
(2) Otherwise in the course of transit by or upset, overturned or damaged as a on behalf of the "insured"; or result of the maintenance or use of a (3) Being stored, disposed of, treated or
processed in or upon the covered
"auto"
b. Before the "pollutants" or any property in
which the "pollutants" are contained are
Form SS 04 38 09 09 Page 1 of 3
© 2009, The Hartford
(Includes copyrighted material of ISO Properties, Inc., with its permission) (2) The discharge, dispersal, seepage, company) for an "auto" owned by him or her migration, release or escape of the or a member of his or her household. "pollutants" is caused directly by such d. Anyone liable for the conduct of an "insured" upset, overturn or damage as a result of described above but only to the extent of that the maintenance or use of a covered liability.
"auto"
D. With respect to the operation of a "hired auto" and

4. With respect to this coverage, the following "non-owned auto", the following additional additional exclusions apply: conditions apply:
a. Fellow employee 1. OTHER INSURANCE
Coverage does not apply to "bodily injury" to a. Except for any liability assumed under an any fellow "employee" of the "insured"
"insured contract" the insurance provided by
arising out of the operation of an "auto"
this Coverage Form is excess over any
owned by the "insured" in the course of the other collectible insurance. fellow "employee's" employment.

However, if your business is the selling,
b. Care, custody or control servicing, repairing, parking or storage of Coverage does not apply to "property "autos", the insurance provided by this damage" involving property owned or endorsement is primary when covered transported by the "insured" or in the "bodily injury" or "property damage" arises "insured's" care, custody or control. out of the operation of a customer's "auto" C. With respect to "hired auto" and "non-owned auto" by you or your "employee" coverage, Paragraph C. WHO IS AN INSURED is b. When this Coverage Form and any other deleted and replaced by the following: Coverage Form or policy covers on the The following are "insureds": same basis, either excess or primary, we will pay only our share. Our share is the
a. You. proportion that the Limit of Insurance of our
b. Your "employee" while using with your Coverage Form bears to the total of the permission: limits of all the Coverage Forms and policies (1) An "auto" you hire or borrow; or covering on the same basis. (2) An "auto" you don't own, hire or borrow in 2. TWO OR MORE COVERAGE FORMS OR your business or personal affairs; or POLICIES ISSUED BY US (3) An "auto" hired or rented by your If the Coverage Form and any other Coverage "employee" on your behalf and at your Form or policy issued to you by us or any direction. company affiliated with us apply to the same c. Anyone else while using a "hired auto" or "non- "accident", the aggregate maximum Limit of Insurance under all the Coverage Forms or
owned auto" with your permission except:
policies shall not exceed the highest applicable
(1) The owner or anyone else from whom you Limit of Insurance under any one Coverage hire or borrow an "auto". Form or policy. This condition does not apply to (2) Someone using an auto while he or she is any Coverage Form or policy issued by us or an working in a business of selling, servicing, affiliated company specifically to apply as repairing, parking or storing "autos" unless excess insurance over this Coverage Form. that business is yours. E. The following definitions are added:
(3) Anyone other than your "employees", G. LIABILITY AND MEDICAL EXPENSES partners (if you are a partnership), members DEFINITIONS:
(if you are a limited liability company), or a 1. "Hired auto" means any "auto" you lease, lessee or borrower or any of their
hire, rent or borrow. This does not include
"employees", while moving property to or any auto you lease, hire, rent or borrow from an "auto". from any of your "employees", your partners (4) Aparter if you are a rimerst liability (if you are a partnership), members (if you member (if you limited are limited liability company,

or your "executive officers" or members of
their households.

This does not include a long-term leased
"auto" that you insure as an owned "auto"
under any other auto liability insurance
policy or a temporary substitute for an
"auto" you own that is out of service
because of its breakdown, repair, servicing

2. "Non-owned auto " means any "auto" you
do not own, lease, hire, rent or borrow
which is used in connection with your
business. This includes:
a. "Autos" owned by your "employees" your
partners (if you are a partnership),
nembers if you are a limited liabilit
ompany), or vour "executive officers'
only while used in your busnes or your
personal affairs.
b. Customer's "auto" that is in your care,
custody or control for service.

Form SS 04 38 09 09 Page 3 of 3
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ACCOUNTS RECEIVABLE
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
This coverage applies only when it is indicated in the D. Additional Conditions Declarations. The provisions of this policy apply to the (1) If you cannot accurately establish the value of coverage stated in this endorsement, except as accounts receivable outstanding as of the time indicated below. of direct physical loss or physical damage the A. When shown in the Declarations as applicable, the following method will be used:

Limit of Insurance stated in paragraph A.5.a.(1), (a) Determine the total of the average monthly Accounts Receivable, in the Standard Property value of accounts receivable for the 12 Coverage A.6.a.(1), Accounts
months immediately preceding the month in
Receivable, in the Special Property Coverage Form which the direct physical loss or physical is replaced by the Limit of Insurance for Accounts damage occurred; and Receivable shown in the Declarations. All other
(b) Adjust that total for any normal fluctuations
terms and conditions of the Accounts Receivable
in the value of accounts receivable for the
Coverage Extension apply to this Optional
month in which the direct physical loss or
Coverage.
physical damage occurred or for any
B. Limit of Insurance
demonstrated variance from the average for
The most we will pay under this coverage extension that month. in any one occurrence is the Limit of Insurance (2) The following will be deducted from the total shown in the Declarations for Accounts Receivable. value of accounts receivable, however that C. Deductible value is established:

We will not pay for loss in any one occurrence (a) The value of the accounts for which there is unless the amount of loss exceeds the policy no loss or damage; deductible stated in the Declarations. We will then (b) The value of the accounts that you are able pay the amount of loss in excess of the Deductible, to reestablish or collect up to the Limit of Insurance. (c) A value to allow for probable bad debts that you are normally unable to collect; and
(d) All unearned interest and service charges.

Form SS 04 39 07 05 Page 1 of 1
© 2005, The Hartford
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

COMPUTERS AND MEDIA
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
The provisions of this policy apply to the coverage (2) Power Failure; stated in this endorsement, except as indicated below. (3) Airport security check, or radio or A Computer Equipment, Electronic Data and telephone line interference; or software (4) Electromagnetic disturbance outside

1. Coverage the "computer system".

We will pay for direct physical loss of or b. Head crash, meaning physical damage to physical damage, to "computer equipment" disks, tapes or hardware caused by a and the cost to research, replace or restore contact of electromagnetic heads (which physically lost or physically damaged read or write information) with such disks "electronic data" and "software" subject to the or tapes; Limit of Insurance shown in the Declarations c. Damage caused by a "computer virus"; for Computers and Media while anywhere
within the coverage territory, and while in d. Theft of "computer equipment" away from transit, but only if: the "scheduled premises". Theft means a. Owned by you; or an act of stealing or an attempt to steal. b. Owned by others but in your care, custody Theft includes loss of property from a and control regardless of whether you use known place when it is likely that the it for personal or business needs. property has been stolen.

2. Property Not Covered 4. Exclusion
"Computer Equipment" as used in this optional We will not pay to research, replace or restore physically lost physically damaged
coverage does not include: "electronic data" or "software which is a. Source documents, other than manuals licensed, leased or rented to others. purchased with hardware or "software"; 5. Deductible
b. Worksheets and printouts; We will not pay for loss or damage in any one c. Property held for sale or lease; occurrence to "computer equipment" until the d. Property leased or rented to others; or amount of loss or damage exceeds $250, unless a separate deductible is stated in the
e. "Money. ", deeds, notes, "securities" or
other financial instruments, including such Declarations for Computers and Media instruments in electronic form.

3. Extended Causes of Loss B. Additional Coverage
Direct physical loss or physical damage to your 1. Business Income and Extra Expense "computer equipment" "electronic data" Coverage
"software", "computer equipment", If Business Income and Extra Expense "electronic data" or "software" of others in your Coverage is included in this policy then the care, custody or control is extended to include following applies. the following: a. Coverage
a. Electromagnetic injury caused by: (1) Coverage under this endorsement (1) Blackout or brownout; applies to the following Additional Form SS 04 41 03 18 Page 1 of 3
© 2018, The Hartford
Coverages and Coverage Extensions "electronic data", and "software" when this in the Standard or Special Property endorsement is attached to the Special Coverage Form with respect to Property Coverage Form and Equipment "computer equipment", "electronic Breakdown Additional Coverage is included on data" and "software": the policy.
(a) Business Income; C. Exclusion of Certain Computer Related Losses (b) Extra Expense; The provisions of this endorsement do not override (c) Civil Authority; or in any way affect the application of the Exclusion of Certain Computer Related Losses if such
(d) Extended Business Income; and exclusion is endorsed to or otherwise made a part (e) Newly Acquired or Constructed of this policy. That exclusion addresses the Property Coverage. inability of a "computer system" to correctly (2) Coverage under this endorsement recognize process, distinguish, interpret or accept does not apply to any other Additional one or more dates or times.

Coverage or Coverage Extension. D. Exclusions
b. Coverage Limitations 1. Section B. Exclusions, of the Standard or The following limitations apply only if the Special Property Coverage Form do not apply physical loss or physical damage is a to coverage provided by this endorsement, direct result of the Extended Causes of except for the exclusions of:

Loss for "computer equipment", "software" a. Earth Movement; and "electronic data" as indicated below. b. Governmental Action; (1) Limit of Insurance c. Nuclear Hazard;
This Additional Coverage is included
d. War and Military Action; and
in the Limit of Insurance for
Computers and Media shown in the e. Water.

Declarations when the actual loss of 2. Additional Exclusions business income and extra expense We will not pay for loss or damage caused by you incur due to the necessary or resulting from:
suspension (slowdown or cessation) of
a. Input, programming or processing errors;
your operations is a result of:
b. Mechanical breakdown or failure, however
(a) A cause of loss included in A.3.a., head crash will not be considered as a b. or c., Extended Causes of mechanical breakdown or failure.

Loss, of this endorsement; or
This exclusion does not apply to
(b) Physical damage or physical loss "computer equipment", "electronic data", to "computer and "software" when this endorsement is
" and "sipmare"
"electronic data"
attached to the Special Property Coverage
that was away from the scheduled Form and Equipment Breakdown premises at the time of loss. Additional Coverage is included on the This is not an additional limit of policy;
insurance.
c. Faulty construction, materials or
(2) Waiting Period workmanship;
We will not pay for any covered d. Error, omission or deficiency in design; Business Income loss you sustain
e. Rust, corrosion, deterioration, hidden or
under this provision due to physical loss
latent defect or any quality in property that
or physical damage to "electronic data",
causes it to damage or destroy itself;
or "software" caused by a "computer
virus" which results in the necessary f. Dryness or dampness of atmosphere; suspension (slowdown or cessation) of changes in or extremes of temperature; described g. Wear and tear, marring or scratching;
Declarations during the first 12 hours h. Insects, birds, rodents, or other animals; that immediately follow the start of such i. Obsolescence; suspension. This Waiting Period
applies independent of the deductible j. Dishonest or criminal acts by you, any of applicable to "Computer Equipment". your partners, employees, trustees, authorized representatives or anyone to

2. Equipment Breakdown Coverage whom you entrust the property for any The Additional Coverage for Equipment purpose, whether acting alone or in Breakdown applies to "computer equipment", collusion with others;

k. Unexplained disappearance, however we property with upgraded processing or will cover theft of "computer equipment" as performance characteristics. This Optional provided in provision A.3.d.; Upgrade Allowance will, at our option, be I. Unlawful trade, or seizure by orders of payable after you have purchased the replacement property and have provided us
governmental authority;
with written proof of such purchases; or
m. Delay or loss of market; and
c. If the item is not repaired or replaced, we
n. Theft of laptop, palmtop or similar portable will not pay more than the actual cash property while in transit as checked value of the item at the time of physical baggage. loss or physical damage. If you elect this
E. Limit of Insurance option, you have the right to make further claim within 180 days after loss for any
The most we will pay for physical loss or physical
damage in any one occurrence is the Limit of additional payment on a replacement cost Insurance for Computers and Media shown in the basis.

Declarations. 2. In the event of physical loss or physical F. Loss Payment damage to "electronic data" or "software" , We will pay the reasonable amount you actually
This Loss Payment condition is applicable to the spend to reproduce, restore, or replace the "computer equipment", "electronic data", and physically lost or damaged "software" coverage provided by this endorsement. Tware a This indude- We will determine the value of Covered Property the cost of computer consultation services for as follows: restoration and the cost of research to

1. "Computers," "peripheral devices", "media", reconstruct lost or damaged information. But and manuals at the full cost to repair or we will not pay more than the Limit of replace the property subject to the Limit of Insurance for Computers and Media specified Insurance. However, we will not pay more for in the Declarations. physical loss or physical damage on a 3. In the event of physical loss or physical replacement cost basis than the lesser of and damage to any part of "computer equipment", the following: "electronic data" or "software", we will pay only a. The amount necessary to replace the item what it would cost to replace, reproduce, or similar property possessing the restore the physically lost or physically minimum characteristics necessary to damaged part.
perform functions G. Additional Definitions
replacement with identical property is not 1. "Computer Virus" means a program, which is possible or practical.
intentionally created to cause damage or
b. The amount necessary to repair or replace disruption in the computer operations of a the item with one substantially identical to party using or coming in contact in any way the physically lost or physically damaged with the program. item. In the event of a covered total loss

2. "Computer System" includes "computer",
to one or more items, we will allow up to "peripheral devices", 20% over the current replacement cost as "software", and described in this provision, as an Optional "electronic data" necessary for the "computer" Jparade Allowance for the purchase of nev to function for its intended purpose.

Form SS 04 41 03 18 Page 3 of 3
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EMPLOYEE DISHONESTY COVERAGE
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
Except as otherwise stated in this endorsement, the Cause of Loss caused by any terms and conditions of the policy apply to the insurance "employee" while temporarily stated below. outside the Coverage Territory for
period of not more than 90 days.

A COVERAGE
(b) We will pay for any loss of Covered
• Additional Cores as of the are ren Property arising out of a Covered of the Special Propert Cause of Loss caused by your
Coverage Form: "employee" while at the premises of
Employee Dishonesty Coverage your client or customer.
(1) We will pay for loss of, and loss from Any claim for loss sustained by any damage to, Covered Property resulting client or customer and covered by directly from the Covered Causes of this policy may only be made by you in your Proof of Loss. No third party
has a direct right against this
Covered Property, solely as used in this insurance and no third party may Additional Coverage, means "money",
"securities", make a direct claim against us as
", and other tangible property the writer of your insurance. of intrinsic value and not otherwise
excluded. (3) Coverage under the Employee
Retirement Income Security Act of
Covered Causes of Loss means
dishonest acts committed by an 1974, as amended "ERISA") "employee", except you, whether (a) We will pay for loss of, and loss identified or not, acting alone or in from damage to, Covered Property collusion with other persons, with the resulting directly from the Covered manifest intent to: Causes of Loss.
(a) Cause you to sustain loss; and also Covered Property, solely as applicable to ERISA coverage,
(b) Obtain financial benefit (other than
means the funds or other property
Bonuses, promotions, awards, presi fees, of any employee pension benefit plan or employee welfare benefit
sharinge beneens med tee plan that:
normal course of employment) for: (i) Is subject to (and not exempt (i) That "employee"; or from the bond requirement set
forth in Section 412 of ERISA.
(ill) Any person or organization and
intended by the "employee" to (ii) You establish and maintain for receive that benefit. your employees (a "Plan'")
(2) Employee Dishonesty Additional and which is not otherwise Coverages: excluded.
(a) We wily pay for lust a Covered Covered Causes of Loss, solely as applicable to ERISA coverage,
Form SS 04 42 03 17 Page 1 of 3
© 2017, The Hartford
means an act of fraud or dishonesty paid promptly into such plan for committed an "employee", the use and benefit of the
except you, whether identified or Plan(s) sustaining the loss. not, acting alone or in collusion with (v) If two or more Plans are insured other persons, that results in a loss under this insurance, any
to a Plan of funds or other property payment we make for loss which is used or may be used to either sustained by two or more under the Plan. plans, or of commingled funds
"Covered Causes of Loss" does not or other property of two or more include investment losses or any Plans that arises out of one other loss resulting from a breach of occurrence, is to be shared by fiduciary duty under ERISA or a each Plan sustaining loss in the prohibited transaction as defined by proportion that the amount of ERISA and for which coverage is
insurance required for each
not required by Section 412 of such Plan under ERISA
ERISA.
provisions bears to the total of
(b) Welfare and Pension Plan ERISA those amounts.

Compliance (4) Theft Limitation Exception
compliance with certain Limitation A.4.c., of the Special Property provisions of the ERISA: Coverage Form does not apply to (i) For the purposes of this coverage provided by this endorsement. insurance, the Plans you (5) Additional Exclusions
establish and maintain for the
benefit of your employees shall (a) Employee Terminated Under be Named Insureds under this Prior Insurance
Employee Dishonesty We will not pay for loss caused by
Coverage. any "employee" of yours, or
(ii) "Employee" includes predecessor in interest of yours, for any
whom similar prior insurance has
been terminated and not reinstated
director of your company who since the last such termination. "handles" the funds or other (b) Insurance Operations
property of the Plan (as defined We will not pay for direct or indirect in 29 C.F.R. 2580.412-6)
loss resulting from contractual or
including, but not limited to, the extra-contractual liability sustained Plan Administrator. "Employee" by you in connection with the does not include any third party issuance of contracts or purported including but not limited to a contracts of insurance, indemnity or broker, independent contractor, suretyship.
record keeper, payroll provider, (c) Inventory Shortages trustee or other fiduciary) who
provides services to you or to a We will not pay loss, or that part o Plan. any loss, the proof of which as to its
(iii) If any Plan is insured jointly with existence or amount is dependent upon:
(i) An inventory computation; or
(ii) A profit and loss computation.
(d) Partners
We will pay only for loss caused by
any partner or member of a limited
liability corporation that is in excess
of the sum of:
(i) Any amounts you owe that
(iv) If the insured first named in the partner or member; and Declarations is an entity other (ii) The value of that partner's or than a Plan, any payment we
make to that insured for loss member's ownership interest sustained by any Plan must be determined by the closing of

you organization's books on the (7) Limit of Insurance
date of discovery of the loss by The most we will pay for each anyone in your organization not occurrence of loss under this Additional involved the Employee Coverage is the Employee Dishonesty Dishonesty; and Limit of Insurance stated in the
(ili) Any applicable deductible Declarations.
amount. (8) Deductible
(e) Trading Loss We will not pay for loss in any one
We will not pay for loss resulting occurrence unless the amount of loss directly or indirectly from trading, exceeds the Deductible showr whether in your name or in Paragraph D.5. the Special Property genuine or fictitious account if such Coverage Form, unless a separate loss does not result from dishonesty Deductible for Employee Dishonesty or fraud. applies and is stated in the
(6) Additional Conditions Declarations. We will then pay the amount of the loss in excess of the
As To Any
(a) Templaten Deductible, up to the Limit of Insurance.

No deductible applies to the coverage
This insurance is terminated as to granted in Paragraph A 1(3) of this any "employee": endorsement.
(i) Immediately upon discovery by (9) Occurrence Definition you, or any of your partners,
officers or directors not in As used in this Additional Coverage, whether before series of acts.
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.

Form SS 04 42 03 17 Page 3 of 3
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

OUTDOOR SIGNS
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
This coverage applies only when it is indicated in the C. Additional Exclusion Declarations. The provisions of this policy apply to the We will not pay for physical loss or physical damage coverage stated in this endorsement, except as caused by or resulting from:
indicated below.

A. We will pay for direct physical loss of or physical (1) Wear and tear; damage to all outdoor signs at the "scheduled (2) Hidden or latent defect; premises":
(3) Rust;
(1) Owned by you; or
(4) Corrosion; or
(2) Owned by others but in your care, custody and
control. (5) Mechanical breakdown.

B. Paragraph A.3., Covered Causes of Loss, and D. Limit of Insurance Section B., Exclusions, do not apply, to this Optional The most we will pay for physical loss or physical Coverage, except for: damage in any one occurrence is the Limit of Insurance for Outdoor Signs shown in the
(1) Governmental Action;
Declarations.
(2) Nuclear Hazard; and E. The provisions of this Optional Coverage supersede (3) War and Military Action. all other references to outdoor signs in this policy.

Form SS 04 44 07 05 Page 1 of 1
© 2005, The Hartford
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PERSONAL PROPERTY OF OTHERS
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
This coverage applies only when it is indicated in the Declarations. The provisions of this policy apply to the coverage stated in this endorsement, except as indicated below.

We will pay, on replacement cost basis, for direct physical loss or physical damage by a Covered Cause of Loss to Personal Property of Others that is in your care, custody and control.

The most we will pay for direct physical loss or physical damage in any one occurrence is the Limit of Insurance applicable to Personal Property of Others shown in the Declarations.

Form SS 04 45 07 05 Page 1 of 1
© 2005, The Hartford
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

TEMPERATURE CHANGE
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
This coverage applies only when it is indicated in the (a) Ordinance or Law; Declarations. The provisions of this policy apply to the (b) Power Failure; and coverage stated in this endorsement, except as
indicated below. (c) Mechanical Breakdown in the Standard Property Coverage Form.

A We will pay for direct physical loss of or physical
damage to "perishable stock" at the "scheduled 2. The following exclusions are added:
premises" caused by or resulting from: We will not pay for direct physical loss or

1. A change in temperature or humidity resulting physical damage caused by or resulting from:
from: (a) The disconnecting of any of the following
(a) Mechanical breakdown or failure of: systems from the source of power:
(1) Stationary heating plants; or (1) Refrigerating;
(2) Refrigerating, cooling or humidity control (2) Cooling; or apparatus or equipment; (3) Humidity control.

But only while such plants, equipment or (b) The loss of electrical power caused by the apparatus are at the "scheduled premises". shutting off of any switch or other device (b) Complete or partial failure of electric power, used to control the flow of electric power or either on or away from your "scheduled current.
premises". Such failure of power must be (c) The inability of an electrical utility company, due to conditions beyond your control; or your stationary heating plant or any other

2. Contamination by a refrigerant. power source to provide sufficient heat or power due to:

B. SELLING PRICE
(1) Lack of fuel;
We will determine the value of finished "perishable
stock" in the event of direct physical loss or physical (2) Lack of capacity to make enough heat damage at the selling price, as if no physical loss or or power; or physical damage had occurred less discounts and (3) Order of the government. expenses you otherwise would have had.
(d) Breaking of any glass that is a
C. We will not pay for direct physical loss of or physical permanent part of a refrigerating, cooling damage to "perishable stock" located: or humidity control unit.

1. On buildings; E. DEDUCTIBLE

2. In the open; or We will not pay for loss in any one occurrence unless

3. In vehicles, other than trailers used for storage the amount of loss exceeds the deductible stated in located within 1000 feet of the "scheduled premises'. paragraph D.5. of the Standard Property Coverage Form or D.5. of the Special Property Coverage Form..

D. EXCLUSIONS unless a different deductible is stated in the

1. The following exclusions under SECTION B -
EXCLUSIONS are deleted:

Form SS 04 46 09 14 Page 1 of 2
© 2014, The Hartford
Declarations for Temperature Change. We will then pay H. ADDITIONAL DEFINITIONS the amount of loss in excess of the deductible, up to the For the purpose of this insurance:

Limit of Insurance.

1. "Mechanical breakdown" means:

F. LIMIT OF INSURANCE
(a) Breaking or separation of any
The most we will pay for direct physical loss or mechanical parts) other than gas pipes physical damage in any one occurrence is the
or lines; or
Limit of Insurance for Temperature Change
shown in the Declarations. (b) Burning out of any electrical motor servicing such unit; and
G. ADDITIONAL CONDITIONS
requiring replacement of the damaged parts

1. We will pay for direct physical loss or to become functional. physical damage under this Optional
Coverage only when: But "mechanical breakdown" does not mean faulty operation or failure of equipment which
(a) Such physical loss or physical damage results in temperature change but does not is not covered elsewhere in this policy or require replacement of broken parts. any other policy that insures the
"perishable stock" at the "scheduled We will not pay for direct physical loss or premises"; and physical damage to "perishable stock"
caused by such faulty operation or failure of
(b) This Temperature Change coverage is equipment.
shown as a specific item of insurance in

2. "Perishable stock" means personal property:
the Declarations.

2. In the event of physical loss or physical (a) Maintained under controlled conditions for its preservation; and
damage, none of the other coverages under
this policy or any other policy will share in its (b) Susceptible to direct physical loss or ayment unless the provisions of the polici physical damage if the controlled are similar to the provisions of this Optiona conditions change.

Coverage.

3. We will not pay more than the Limit of
Insurance shown in the Declarations for the
Temperature Change.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

VALUABLE PAPERS AND RECORDS
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
This coverage applies only when it is indicated in the D. Under this Optional Coverage we will not pay for Declarations. The provisions of this policy apply to the property:
coverage stated in this endorsement, except as (1) Held as samples or for delivery after sale; indicated below. (2) In storage away from the premises shown in the A. We will pay for direct physical loss of or physical Declarations; or damage to the following types of property at the
"scheduled premises" that is your property or (3) If such property can not be replaced with other property of like kind and quality.
property of others in your care, custody or control:

Valuable Papers and Records, meaning inscribed, E. With respect to this Optional Coverage, Coverage printed or written: Extension A.5.h., Property Off-Premises in the Standard Property Coverage Form and Coverage
(1) Documents; Extension A.6.h., Property Off-Premises in the Special (2) Manuscripts; Property Coverage Form are replaced by the following:
(3) Records including patient records; or 1. You may apply the insurance provided under (4) X-Rays this Optional Coverage to Valuable Papers and Records while such property is not at the
including abstracts, books, deeds, drawings, films, "scheduled premises", including while in transit. maps or mortgages. The most we will pay for direct physical loss or But Valuable Papers and Records does not physical damage under this Coverage Extension include: is 25% of the Limit of Insurance shown in the
(1) Property that cannot be reproduced, replaced or Declarations for Valuable Papers and Records restored; but not more than $25,000.
(2) "Money" and "Securities"; 2. However, if Valuable Papers and Records - Off- Premises is scheduled in the Declarations, then
(3) Converted data; or
the limit in E.1. above is replaced by the limit of
(4) Programs or instructions used in your data insurance shown in the Declarations for processing operations, including the material on Valuable Papers and Records - Off-Premises. which the data is recorded.

F. The Valuable Papers and Records Coverage
B. Limit of Insurance Extension, paragraph A.5.i. in the Standard Property The most we will pay for direct physical loss or Coverage Form and paragraph A.6.i. in the Special physical damage in any one occurrence is the Limit Property Coverage Form., do not apply to any of Insurance for Valuable Papers and Records premises where this Optional Coverage applies. shown in the Declarations. G. With respect to coverage provided by this C. Deductible endorsement, paragraph E.5.d.(6) in the Standard We will not pay for loss in any one Occurrence Property Coverage Form and in the Special Property Coverage Form are replaced by the following:
unless the amount of loss exceeds the policy
deductible stated in the Declarations. We will then (6) We will determine the value of "Valuable Papers pay the amount of loss in excess of the Deductible, and Records" at the cost of:
up to the Limit of Insurance. a. Blank materials for reproducing the records; and
Form SS 04 47 04 09 Page 1 of 2
© 2009, The Hartford
b. The reasonable cost to research, replace or (c) Anyone else to whom the property is restore the lost information. entrusted.

H. Section B. Exclusions does not apply to this This exclusion applies whether or not such Optional Coverage except for: persons are acting alone or in collusion with (1) Governmental Action; other persons or such acts occur during the hours of employment.
(2) Nuclear Hazard; and
But this exclusion does not apply to a carrier for
(3) War and Military Action. hire.

1. Additional Exclusions
(2) Errors or omissions in processing or copying.

We will not pay for direct physical loss or physical But we will pay for direct physical loss or damage caused by or resulting from any of the physical damage caused by resulting fire or following: explosion.
(1) Dishonest acts by: (3) Electrical or magnetic injury, disturbance or (a) You, or your employees or authorized erasure of electronic recordings. representatives; But we will pay for direct physical loss or (b) Anyone else with an interest in the property, physical damage caused by lightning. their employees authorized
(4) Voluntary parting with any property by you or
representatives; or
anyone entrusted with the property if induced to
do so by any fraudulent scheme, trick, device or
false pretense.
(5) Unauthorized instructions to transfer property to
any person or to any place.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUSINESS INCOME FROM DEPENDENT PROPERTIES
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
Except as otherwise stated in this endorsement, the
terms and conditions of this policy apply to the
insurance stated below

1. Dependent Properties in Paragraph g., Business Income Additional Coverage, of the Standard Property Coverage
a. We will pay the actual loss of Business
Income you sustain due to physical loss or Form and Paragraph o., Business Income Additional Coverage, of the Special Property
physical damage at the premises of a
Coverage Form also applies to this Business
Dependent Property caused by ОГ
Income from Dependent Properties Additional
resulting from a Covered Cause of Loss.

Coverage.
b. We will reduce the amount of your
Business Income loss, other than Extra Paragraph A.5.s.(5)(a), Business Income from Dependent Properties of the Special Property
Expense, to the extent you can resume
Coverage Form is deleted and replaced with
"operations", in whole, or in part, by using the following:
any other available:
(1) Sources of materials; or (a) Begins on the date of direct physical loss or physical damage caused by or resulting
(2) Outlet for your products. from a Covered Cause of Loss at the c. If you do not resume "operations", or do premises of the Dependent Property C. Limit of Insurance
possible, we will pay based on the length
The most we will pay for each occurrence of loss
of time it would have taken to resume
under this Additional Coverage is the Limit of
"operations" as quickly as possible.

Insurance for this coverage stated in the
B. Additional Conditions Declarations.

The following conditions also apply: When shown in the Declarations as applicable, the

1. Coverage provisions respecting direct physical Limit of Insurance stated in Paragraph A.5.s. (1) of loss or physical damage will apply separately the Additional Coverage entitled Business Income to each Dependent Property premises. from Dependent Properties in the Special Property

2. This Additional Coverage will end when the Coverage Form is replaced by the Limit of Dependent Property should be rebuilt or Insurance for Business Income from Dependent replaced with reasonable speed and similar Properties shown in the Declarations. quality. D. Definitions

3. The Business Income coverage period does 1. Dependent Property means property not include any increased period required due operated by others that you depend on to:
to the enforcement of any ordinance or law a. Deliver materials or services to you or to that: others for your account. This does not
a. Regulates the construction, use or repair, include:
or requires the tearing down of any (1) Water, communication, power supply property; or or any other utility service, or
b. Requires any insured or others to test for, (2) Any type of website or internet nonitor, clean up, remove, contain, treat, service.

Form SS 04 78 12 17 Page 1 of 2
© 2017, The Hartford
b. Accept your products or services;
c. Manufacture products for delivery to your
customers under contract of sale; or
d. Attract customers to your business
premises.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CRIME COMMON CONDITIONS AND EXCLUSIONS
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
The following conditions are added the Standard Property 3. Joint Insured Coverage Form and the Special Property Coverage a. If more than one Insured is named in the Form. Declarations, the first named Insured will act
A. CRIME COMMON CONDITIONS for itself and for every other Insured for all

1. Consolidation - Merger purposes of this insurance. If the first named Insured ceases to be covered, then the next
If through consolidation or merger with, or named Insured will become the first named purchase of assets of, some other entity: Insured.
a. Any additional persons become "employees" ; b. If any Insured or partner or officer of that Insured has knowledge of any information
b. You acquire the use and control of any relevant to this insurance, that knowledge is additional premises; considered knowledge of every Insured. any insurance for "employees" or c. An "employee" of any Insured is considered to premises also applies those additional be an "employee" of every Insured. "employees" and premises, but only if you: d. If this insurance or any of its coverages is (1) Give us written notice within 60 days canceled or terminated as to any Insured, loss thereafter; and sustained by that Insured is covered only if discovered no later than one year from the
(2) Pay us an additional premium.
date of that cancellation or termination.

2. Discovery Period for Loss
e. We will not pay more for loss sustained by
We will pay only for covered loss discovered no more than one Insured than the amount we later than one year from the end of the policy would pay if all the loss had been sustained period. by one Insured.

Discovery of loss occurs when you first become 4. Legal Action Against Us aware of facts which would cause a reasonable
person to assume that a loss covered by this The following replaces the Legal Action Against Us policy has been, or may be incurred even though in the Property Loss Conditions:
the exact amount or the details of the loss may not No one may bring a legal action against us under this Coverage Part unless:

Discovery also occurs when you receive notice of a. There has been full compliance with all of the an actual or potential claim against you alleging terms of this Coverage Part; and facts, which if true, would be a covered loss under b. The action is brought within 2 years after the this policy. date on which you discover the loss.

Form SS 04 80 03 00 Page 1 of 3
© 2000, The Hartford

5. Loss Sustained During Prior Insurance We will also apply any deductible under that a. If you, or any predecessor in interest, prior policy to the extent it exceeds the sustained loss during the period of any prior deductible under this policy. insurance that you or the predecessor in 8. Ownership of Property, Interests Covered interest could have recovered under that
The property covered under this insurance is
insurance except that the time within which to limited to property:
discover loss had expired, we will pay for it
a. That you own or hold; or
under this insurance, provided:
(1) This insurance became effective at the b. For which you are legally liable. time of cancellation or termination of the However, this insurance is for your benefit only. It prior insurance; and provides no rights or benefits to any other person or organization.
(2) The loss would have been covered by this
insurance had it been in effect when the 9. Policy Period acts or events causing the loss were a. The Policy Period is stated in the committed or occurred. Declarations.
b. The insurance under this Condition is part of, b. Subject to the Loss Sustained During Prior not in addition to, the Limits of Insurance Insurance condition, A.5. above, we will pay applying to this insurance and is limited to the only for loss that you sustain through acts lesser of the amount recoverable under: committed or events occurring during the (1) This insurance as of its effective date; or Policy Period. (2) The prior insurance had it remained in 10. Recoveries effect.

The following replaces the Recovered Properly in

6. Non-Cumulation of Limit of Insurance the Property Loss Conditions:

Regardless of the number of years this insurance a. Any recoveries less the cost of obtaining remains in force or the number of premiums paid, them, made after settlement of loss covered no Limit of Insurance cumulates from year to year by this insurance will be distributed as follows:
or period to period.
(1) To you, until you are reimbursed for any

7. Loss Covered Under This Insurance and Prior loss that you sustain that exceeds the Insurance Issued by Us or Any Affiliate Limit of Insurance and the Deductible Amount, if any;
(2) Then to us, until we are reimbursed for
or any affiliate had issued to you or any the settlement made; predecessor in interest, we will not pay more that (3) Then to you, until you are reimbursed for the highest single Limit of Insurance. We will that part of the loss equal to the settle such claim as follows: Deductible Amount, if any. a. We will first pay the Limit of Insurance b. Recoveries do not include any recovery:
pplicable under this policy subject to thi (1) From insurance, suretyship, reinsurance, olicy's applicable deductible; ther security or indemnity taken for our benefit; b. If the Limit of Insurance under that prior policy or is equal to or less than the Limit of Insurance (2) Of original "securities" after duplicates of under this policy, we will make no further them have been issued. payment: or
B. CRIME COMMON EXCLUSIONS
c. If the Limit of Insurance under that prior policy
is higher than the Limit of Insurance under this The following are Exclusions replace the Exclusions in Section B:
policy, we will then pay for any remaining part
of the loss. 1. Governmental Action
But in no event will our total payment for loss We will not pay for loss resulting from seizure or be more than would be payable under the destruction of property by order of governmental policy with the highest Limit of Insurance. authority.

2. Indirect Loss 3. Any natural person who is your partner or member We will not pay for loss that is an indirect result of of a limited liability corporation. any act or occurrence covered by this insurance 4. Any natural person, whether or not compensated, including, but not limited to, loss resulting from: while performing services for you as the chairman a. Your inability to realize income that you would or a member of any committee; have realized had there been no loss of, or 5. Any natural person who is a non-compensated loss from damage to, Covered Property. officer;
Payment of damages of any type for which 6. Any natural person who is a director or trustee you are legally liable. But, we will pay while acting as a member of any of your elected or compensatory damages arising directly from a appointed committees or while acting within the loss covered under this insurance. scope of the usual duties of an "employee"; c. Payment of costs, fees or other expenses you 7. Any natural person who is a non-compensated incur in establishing either the existence or the volunteer, other than one who is a fund solicitor, amount of loss under this insurance. while performing services for you that are usual to

3. Legal Expenses the duties of an "employee";
We will not pay for expenses related to any legal 8. Any natural person who is a former employee, action. director, partner, member, representative or
trustee retained as a consultant while performing

4. Nuclear Hazard services for you;
We will not pay for loss resulting from nuclear 9. Any natural person who is a student intern who is reaction, nuclear radiation or radioactive
pursuing studies or acting within the scope of the
contamination, or any related act or incident. usual duties of an "employee" ;

5. War and Similar Actions

10. Any natural person, who is a student enrolled in
We will not pay for loss resulting from war, your facility, while handling or has possession of whether or declared, warlike action, property or funds in connection with sanctioned insurrection, rebellion or revolution, or any related student activities; act or incident.

11. The spouses of and children over 18 years old
C. CRIME COMMON DEFINTIONS who reside with any "employee" who is a building The following is added to Definitions manager, superintendent or janitor. "Employee" means: Each family is deemed to be, collectively, one "employee" for the purposes of this insurance,

1. Any natural person: except that any Termination Condition applies a. While in your service (and for 60 days after individually to the spouse and children. termination of service); and "Employee" does not mean:
b. Whom you compensate directly by salary, (1) An agent, broker, factor, commission merchant, wages or commissions; and consignee, contractor
independent or
c. Whom you have the right to direct and control representative of the same general character; or while performing services for you;
2) Any manager, director, partner, member or trustee

2. Any natural person employed by an employment except while acting within the scope of the usua contractor while that person is subject to your duties of an "employee". direction and control and performing services for
ou excluding, however, any such person whi
aving care and custody of property outside tr
Form SS 04 80 03 00 Page 3 of 3
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

FORGERY COVERAGE
(Including Credit Cards, Currency and Money Orders)
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
Except as otherwise stated in this endorsement, the will pay for any reasonable legal expenses that terms and conditions of the policy apply to the you incur and pay in that defense. This insurance stated below. payment is in addition to the applicable Limit of The following is added to Additional Coverages: Insurance. The Deductible does not apply to A. FORGED OR ALTERED INSTRUMENTS this Coverage Extension.

COVERAGE 4. Additional Conditions

1. Covered Property The following conditions apply in addition to Covered Property means following the Common Policy Conditions and the Crime instruments: Common Conditions and Exclusions Form.
a. Checks, drafts, promissory notes, or a. We will treat mechanically reproduced similar promises, orders or facsimile signatures the same as directions to pay a sum certain in "money" handwritten signatures. that are: b. You must include with your proof of loss
(1) Made or drawn by or drawn upon you; any instrument involved in that loss, or, if (2) Made or drawn by one acting as your that is not possible, an affidavit setting forth the amount and cause of loss.
agent;
c. The Coverage Territory is revised to cover
or that are purported to have been so
loss you sustain anywhere in the world.
made or drawn; and
Written 5. Exclusion
b. instruments required
conjunction with any credit, debit or The following Exclusion applies in addition to charge card issued to you or any the Exclusions in the Crime Common "employee" for business purposes. Conditions and Exclusions.

2. Covered Causes of Loss We will not pay for loss resulting from any Covered Causes of Loss means forgery or dishonest or criminal act committed by any of your "employees", directors, or trustees:
alteration.
a. Acting alone or in collusion with other

3. Legal Expense Additional Coverage persons; or
If you are sued for refusing to pay any b. While performing services for you or Covered Instrument on the basis that it has
been forged or altered, and you have our otherwise.
written consent to defend against the suit, we
Form SS 04 86 03 00 Page 1 of 2
© 2000, The Hartford
B. COUNTERFEIT CURRENCY AND MONEY b. We will not pay for loss resulting from the ORDERS COVERAGE giving or surrendering of property in any exchange or purchase.

1. Covered Property
Covered Property means the following: c. We will not pay for loss resulting from your, or anyone acting on your express or
We will pay for loss directly resulting from implied authority, being induced by any a. Money orders, including counterfeit money dishonest act to voluntarily part with title to orders, of any United States or Canadian or possession of any property. post office, express company or national C DEDUCTIBLE
or state (or Canadian) chartered bank that
are not paid upon presentation; and We will not pay for loss in any one Occurrence unless the amount of loss exceeds the
b. Counterfeit United States or Canadian Deductible stated in the Declarations. We will paper currency. then pay the amount of loss in excess of the

2. Covered Causes of Loss Deductible, up to the Limit of Insurance.

Covered Causes of Loss means the D. LIMIT OF INSURANCE
acceptance of Covered Property in good faith, The most we will pay for each Occurrence of loss in exchange for merchandise, money or under this Endorsement is the Forgery Limit of services, during the regular course of Insurance stated in the Declarations. business.

The Additional Coverages are included in this Limit

3. Exclusions of Insurance.

The following Exclusion applies in addition to E. OCCURRENCE DEFINITION the Exclusions in the Crime Common
Conditions and Exclusions. 1. For Forged or Altered Instruments Coverage, Occurrence means all loss caused by any
a. We will not pay for loss resulting from any person or in which that person is involved, dishonest or criminal act committed by any whether the loss involves one or more of your "employees", directors, trustees or instruments of Covered Property. authorized representatives:

2. For Counterfeit Currency and Money Order
(1) Acting alone or in collusion with other
Coverage, Occurrence means an:
persons; or
a. Act or series of related acts involving one
(2) While performing services for you or or more persons; or otherwise.
b. Act or event, or series of related acts or
events not involving any person.

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

STRETCH PLUS
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
Except as otherwise stated in this endorsement, the damaged property at an agreed or appraised terms and conditions of the policy apply to the insurance value and we will pay for:
stated below. a. Expenses you incur to:

A. The following changes apply to the Standard (1) Stamp salvage on the merchandise or its Property Coverage Form, Additional Coverages, containers, if the stamp will not physically A.4., or to the Special Property Coverage Form, damage the merchandise; or Additional Coverages, A.5.:
(2) Remove the brands or labels, if doing

1. Accounts Receivable so will not physically damage the The following Additional Coverage is added: merchandise. You must relabel the merchandise and its containers to
a. We will pay up to $50,000 in any one
occurrence as a Limit of Insurance to apply comply with the law. at each "scheduled premises" to cover b. Any reduction in the salvage value of the direct physical loss of or physical damage to physically damaged merchandise as the your records of accounts receivable. This result of the removal of the brand or label.

Limit of Insurance is in addition to any other
Limit of Insurance that may be provided by This Additional Coverage is included within the this policy for this coverage. Business Personal Property Limit of Insurance. b. We will pay up to $50,000 in any one 3. Claim Expenses occurrence as a Limit of Insurance to cover
The following Additional Coverage is added:
direct physical loss of or physical damage to
In the event of covered loss or physical damage
your records of accounts receivable that are
not located at the "scheduled premises" or in we will pay up to $10,000 in any one occurrence as an additional Limit of Insurance to cover
transit. This Limit of Insurance is in addition to
reasonable expenses incurred by you at our
any other Limit of Insurance that may be specific request to assist us in:
provided by this policy for this coverage.
a. The investigation of a claim or suit; or
This Additional Coverage is subject to the
provisions of the Accounts Receivable b. The determination of the amount of loss, Coverage, Form SS 04 39, with the exception of such as taking inventory, or auditing the Limit of Insurance provision contained in that business records. form. Accounts Receivable Coverage, Form 4. Computer Fraud SS 04 39 is made a part of this policy whether The following Additional Coverage is added:
or not Accounts • Receivable coverage is
indicated in the Declarations. We will pay up to $5,000 in any one occurrence for physical loss of or physical damage to

2. Brands and Labels "money", "securities", and other property having The following Additional Coverage is added: intrinsic value resulting directly from computer In the event of covered physical loss or physical fraud. Computer fraud means any act of damage to merchandise that is branded or stealing property following and directly related to labeled, we will take all or part of the physically the use of any computer to fraudulently cause a Form SS 04 88 09 07 Page 1 of 7
© 2007, The Hartford
transfer of that property from inside your This Additional Coverage is subject to the premises or from a banking institution or similar provisions of the Employee Dishonesty safe depository, to a person (other than a Coverage, Form SS 04 42, with the exception of "messenger") outside those premises or to a the Limit of Insurance provision contained in that place outside those premises. form. Employee Dishonesty Coverage, Form This Limit of Insurance is in addition to any other SS 04 42 is made a part of this policy whether Limit of Insurance that may be provided by this or not Employee Dishonesty Coverage is policy for this coverage. indicated in the Declarations.

5. Computers and Media 9. Fine Arts
The following Additional Coverage is added: The following Additional Coverage is added:

We will pay up to $50,000 in any one We will pay up to $25,000 in any one occurrence as a Limit of Insurance to apply occurrence as a Limit of Insurance at each anywhere in the Coverage Territory to cover "scheduled premises" to apply to Fine Arts. This direct physical loss of or physical damage to Limit of Insurance is in addition to any other your computer systems. This Limit of Insurance Limit of Insurance that may be provided by this is in addition to any other Limit of Insurance that policy for this coverage. may be provided by this policy for this coverage. This Additional Coverage is subject to the This Additional Coverage is subject to the provisions of Fine Arts Coverage Form, Form provisions of Computers and Media, Form SS 04 22, with the exception of the following:

SS 04 41, with the exception of the Limit of a. The requirement contained under Insurance provision contained in that form. Paragraph A.1., Under A. Coverage, to list Computers and Media, Form SS 04 41 is made a and describe Fine Arts in the Declarations part of this policy whether or not Computers and or Shedule is deleted when Fine Arts are Media coverage is indicated in the Declarations. covered under this Stretch endorsement;

6. Contract Penalty and
The following Additional Coverage is added: b. The Limit of Insurance provision does not apply.

We will pay up to $1,000 in any one occurrence
as a Limit of Insurance to cover contract c. Paragraph D.1. Valuation is deleted and penalties you are assessed due to your failure replaced by the following:
to complete a project within the time required as The value of Fine Arts will be the market stipulated by contract if the failure to complete value at the time of physical loss or physical the project was caused by or resulted from a damage.

Covered Cause of Loss to Covered Property. Fine Arts Coverage, Form SS 04 22 is made a This Limit of Insurance is in addition to any other part of this policy whether or not Fine Arts Limit of Insurance that may be provided by this Coverage is indicated in the Declarations. policy for this coverage. 10. Forgery

7. Debris Removal The following Additional Coverage is added:

The following Additional Coverage is added: We will pay up to $25,000 in any one In Limits of Insurance, C.4.b., the additional limit occurrence as a Limit of Insurance to cover los of insurance for the Debris Removal Additional rom forgery of covered instruments, mone! Coverage is increased to $25,000 in any one orders, credit cards, and counterfeit money. occurrence. This Additional Coverage is subject to the
This Limit of Insurance is in addition to any other provisions of Forgery Coverage, Form Limit of Insurance that may be provided by this SS 04 86, with the exception of the Limit of policy for this coverage. Insurance provision contained in that form.

8. Employee Dishonesty (including ERISA) Forgery Coverage, Form SS 04 86 is made a part of this policy, whether or not Forgery
The following Additional Coverage is added: Coverage is indicated in the Declarations.

We will pay up to $25,000 in any one This Limit of Insurance is in addition to any other occurrence as a Limit of Insurance to cover loss Limit of Insurance that may be provided by this from employee dishonesty. This includes policy for this coverage.

ERISA coverage. This Limit of Insurance is in
addition to any other Limit of Insurance that may
be provided by this policy for this coverage.

11. Laptop Computers - Worldwide Coverage with the exception of the Limit of Insurance The following Additional Coverage is added: provision and paragraph E. of that form.

Outdoor Signs, Form SS 04 44 is made a part of
We will pay up to $10,000 in any one
this policy whether or not Outdoor Signs
occurrence as a Limit of Insurance to apply to
coverage is indicated in the Declarations.
laptop, palmtop and similar portable computer
equipment, personal digital assistants (PDAs), This Additional Coverage is in addition to any and accessories anywhere in the world, recoverable Limits of Insurance applicable to including while in transit. This Limit of Insurance Building or Business Personal Property. is in addition to any other Limit of Insurance that 14. Pairs or Sets may be provided by this policy for this coverage. The following Additional Coverage is added:

Limitation: We will not pay for direct physical If pairs or sets of stock are damaged by a loss or physical damage caused by, resulting Covered Cause of Loss, we will pay any from, arising out of the theft of this property reduction in value of the undamaged parts of which in transit as checked baggage. such damaged pairs or sets.

This Additional Coverage is subject to the As used in this Additional Coverage, the term provisions of Computers and Media, Form stock means merchandise held in storage or for SS 04 41, with the exception of the Limit of sale, raw materials, and goods in-process or Insurance provision contained in that form. finished.

Computers and Media, Form SS 04 41 is made
a part of this policy whether or not Computers This coverage is included within the Business and Media indicated in Personal Property Limit of Insurance. coverage is the
Declarations. 15. Personal Property of Others

12. Off-Premises Utility Services - Direct Damage The following Additional Coverage is added:

The following Additional Coverage is added: We will pay up to $10,000 in any one occurrence as a Limit of Insurance at each
We will pay up to $25,000 in any one
"scheduled premises" to apply to personal
occurrence as a Limit of Insurance to apply at
each "scheduled premises" to property of others that is in your care, custody or cover direct
physical loss of or physical damage to Covered control. This Limit of Insurance is in addition to Property caused by or resulting from the any other Limit of Insurance that may be interruption of utility This Limit of provided by this policy for this coverage. services.

Insurance is in addition to any other Limit of This Additional Coverage is subject to the Insurance that may be provided by this policy for provisions of Personal Property of Others, Form this coverage. SS 04 45, with the exception of the statement This Additional Coverage is subject to the concerning Limit of Insurance applicable to Personal Property of Others shown in the
provisions of Off-Premises Utility Services -
Declarations, contained in that form. Personal
Direct Damage, Form SS 40 18, with the
exception of the Utility Services Limit of Property of Others, Form SS 04 45 is made a Insurance contained in that form. Off-Premises part of this policy whether or not Personal Utility Services - Direct Damage, Form Property of Others coverage is indicated in the SS 40 18 is made a part of this policy, whether Declarations. or not Off-Premises Utility Services - Direct 16. Property at Other Premises Damage coverage is indicated in the The following Additional Coverage is added:

Declarations. We will pay up to $25,000 in any one

13. Outdoor Signs occurrence to extend coverage for Business The following Additional Coverage is added and Personal Property at any premises not supersedes any other coverage for signs in this described in the Declarations. policy: This includes property that you have sold under We will pay up to full value of outdoor signs at an installation agreement and your responsibility each "scheduled premises" to cover direct continues until the property is accepted by the physical loss of or physical damage to outdoor customer. signs. This Extension does not apply to:

This Additional Coverage is subject to the a. Property in the care, custody or control of provisions of Outdoor Signs, Form SS 04 44, your salespersons; Form SS 04 88 09 07 Page 3 of 7
b. Property at any fair or exhibition; or indirectly the result of a Covered Cause of c. Property in transit; or Loss. Failure means an abrupt cessation of normal functioning. This Limit of Insurance is
d. Property temporarily stored at any premises
the maximum we will pay regardless of any
not described in the Declarations.
other coverage provided under this policy.

This Limit of Insurance is in addition to any other
This Additional Coverage is subject to the terms
Limit of Insurance that may be provided by this and conditions of this policy with the exception of:
policy for this coverage.
a. Paragraph B.1.f., Power Failure, of the

17. Salespersons' Samples
Standard Property Coverage Form and
The following Additional Coverage is added: Paragraph B.1.d., Power Failure, of the We will pay up to $25,000 in any one Special Property Coverage Form; and occurrence as an additional Limit of Insurance b. Paragraph B.1.h.(4), Water, of the Standard to extend Business Personal Property to cover: Property Coverage Form and Paragraph a. Samples of your stock in trade (including B.1.f.(4), Water, of the Special Property containers); and Coverage Form.
b. Similar property of others; THIS IS NOT FLOOD INSURANCE but only while such property is in: We will not pay for water or other materials that overflow from a sump when the overflow is
a. Your custody while acting as a sales caused by any flood. This applies regardless of representatives; or the proximity of the flood to Covered Property. b. In the custody of your sales representative Flood includes the accumulation of surface or agents. water, waves, tides, tidal waves, overflow of This Limit of Insurance is in addition to any other streams or other bodies of water, or their spray, Limit of Insurance that may be provided by this all whether driven by wind or not that enters the policy for this coverage. sewer or drain system.

18. Sewer and Drain Back Up 20. Temperature Change
The following Additional Coverage is added: The following Additional Coverage is added:

We will pay for direct physical loss or physical We will pay up to $25,000 in any one occurrence damage to Covered Property solely caused by as a Limit of Insurance to apply at each water that backs up from a sewer or drain. This "scheduled premises" to cover direct physical coverage is included within the Covered loss of or physical damage to perishable stock Property Limits of Insurance. caused by or resulting from a change of THIS IS NOT FLOOD INSURANCE temperature or contamination by a refrigerant.

We will not pay for water or other materials that This Limit of Insurance is in addition to any other back up from any sewer or drain when it is Limit of Insurance that may be provided by this caused by any flood. This applies regardless of policy for this coverage. the proximity of the flood to Covered Property. This Additional Coverage is subject to the Flood includes the accumulation of surface provisions of the Temperature Change water, waves, tides, tidal waves, overflow of Coverage, Form SS 04 46, with the exception of streams or other bodies of water, or their spray, the Limit of Insurance provision contained in that all whether driven by wind or not that enters the form. Temperature Change, Form SS 04 46 is sewer or drain system. made a part of this policy whether or not

19. Sump Overflow or Sump Pump Failure Temperature Change coverage is indicated in the Declarations.

The following Additional Coverage is added:

The maximum we will pay in any one 21. Tenant Building and Business Personal Property Coverage - Required by Lease
occurrence is $50,000 for any loss, including
Business Income or Extra Expense, resulting The following Additional Coverage is added:
from physical loss or physical damage to The maximum we will pay in any one Covered Property that is caused by or resulting occurrence is $20,000 as a Limit of Insurance to from water that overflows due to the failure of a apply to direct physical loss of or physical sump pump, sump pump well, or any other type damage to Building and Business Personal of system designed to remove subsurface water Property for which you have a contractual from the foundation area if the failure is directly responsibility to insure. This includes building fixtures, machinery and equipment.

22. Transit Property in the Care of Carriers for This Additional Coverage is subject to the Hire provisions of the Valuable Papers and Records
The following Additional Coverage is added: Coverage, Form SS 04 47, with the exception of the Limit of Insurance provision contained in that
We will pay up to $10,000 in any one form. Valuable Papers and Records Coverage, occurrence as a Limit of Insurance to apply to
Form SS 04 47 is made a part of this policy
direct physical loss of or physical damage to whether or not Valuable Papers and Records property while in transit at your risk. This Limit of
coverage is indicated in the Declarations.

Insurance is in addition to any other Limit of
Insurance that may be provided by this policy for B. The following changes apply to the Standard this coverage. Property Coverage Form, Coverage Extensions, A.5., or to the Special Property Coverage Form,
This Additional Coverage is subject to the Coverage Extensions, A.6.. The Limits of Insurance provisions of Transit Property in the Care of
stated in the paragraphs below replace the Limits of
Carriers for Hire, Form SS 04 30, with the Insurance stated in the Standard Property Coverage exception of the Limit of Insurance provision Form or the Special Property Coverage Form for the contained in that form. Transit Property in the
coverages provided under this section. Except as
Care of Carriers for Hire, Form SS 04 30 is otherwise stated, any other Limit of Insurance made a part of this policy whether or not Transit
purchased under this policy as an option for the
Property in the Care of Carriers for Hire is
following coverages is in addition to the Limit of
indicated in the Declarations.

Insurance stated below:

23. Unauthorized Business Card Use

1. Newly Acquired or Constructed Property
The following Additional Coverage is added: The following changes are made to Newly The maximum we will pay in any one Acquired or Constructed Property:
occurrence is $5,000 as a Limit of Insurance to
a. Building
cover loss resulting from the theft or
unauthorized use of your Business Credit, Debit (1) The most we will pay in any one or Charge Cards, including the reasonable legal occurrence in subparagraph (1) is expenses you incur. increased from $500,000 to $1,000,000 at each premises.

The Business Credit, Debit or Charge Cards
must be issued to you or registered in your (2) The Limit of Insurance stated above is name or the business name and be used solely the maximum Limit of Insurance for business purposes. available for this coverage under this Limitation. We will not pay for the theft or policy.
unauthorized use of Business Credit, Debit or b. Business Personal Property Charge Cards entrusted to others or your (1) The most we will pay in any one employees. occurrence in subparagraph (2) is

24. Valuable Papers and Records increased from $250,000 to $500,000 at The following Additional Coverage is added: each premises. a. We will pay up to $50,000 in any one (2) The Limit of Insurance stated above is the maximum Limit of Insurance
occurrence as a Limit of Insurance to apply
at each "scheduled premises" to cover available for this coverage under this direct physical loss of or physical damage to policy.
your valuable papers and records. This c. Business Income and Extra Expense Limit of Insurance is in addition to any other (1) If Business Income or Extra Expense Limit of Insurance that may be provided by are provided under this policy, the most this policy for this coverage. we will pay in any one occurrence in b. We will pay up to $50,000 in any one subparagraph (3) is increased from occurrence as a Limit of Insurance to cover $50,000 to $500,000 in any one direct physical loss of or physical damage to occurrence at each premises. your valuable papers and records that are not (2) The Limit of Insurance stated above is located at the "scheduled premises" or in the maximum Limit of Insurance transit. This Limit of Insurance is in addition available for this coverage under this to any other Limit of Insurance that may be policy.
provided by this policy for this coverage.

Form SS 04 88 09 07 Page 5 of 7

2. Outdoor Property premises of a vendor acting as your service In the Outdoor Property Coverage Extension, provider. This Limit of Insurance is in addition to the most we will pay in any one occurrence is any other Limit of Insurance that may be increased to $25,000, but not more than $1,000 provided by this policy for this coverage. for any one tree, shrub or plant. Such interruption must be caused by or result

3. Personal Effects from a Covered Cause of Loss.

In the Personal Effects Coverage Extension, the a. Coverage Time Period most we will pay in any one occurrence is We will only pay for loss you sustain during increased from $10.000 to $25.000 at each the 7-day period immediately following the "scheduled premises." first 12 hours after the Covered Cause of The Limit of Insurance stated above is the Loss.
maximum Limit of Insurance available for this b. Conditions coverage under this policy. This coverage applies only:

4. Property Off-Premises (1) If you have a back-up copy of your Web In the Personal Property Off-Premises Page stored at a location other than the Coverage Extension, the most we will pay in any site of the Web Site vendor. one occurrence in subparagraph A.6.h.(2) is (2) To the extent that Business Income is increased from $2,500 to $50,000. permanently lost.

C. The following changes apply only if Business 3. Business Income from Dependent Properties Income and Extra Expenses are covered under this
policy. These changes apply to the Standard The following Additional Coverage is added:

Property Coverage Form, Additional Coverages, We will pay up to $50,000 in any one A.4., or to the Special Property Coverage Form, occurrence as a Limit of Insurance to apply to Additional Coverages, A.5.: loss of Business Income and Extra Expense due

1. Business Income Extension for Off-Premises to direct physical damage at property of others Utility Services you depend on. This Limit of Insurance is in addition to any other Limit shown in the
The following Additional Coverage is added: Declarations for specific Dependent Properties.

We will pay up to $50,000 in any one This additional coverage is subject to the occurrence as a Limit of Insurance to apply at
provisions of Business Income from Dependent
each "scheduled premises" to cover loss of
Properties, Form SS 04 78, with the exception
Business Income and Extra Expense caused by
of the Limit of Insurance provision contained in
or resulting from the interruption of utility that form. Business Income from Dependent services. This Limit of Insurance is in addition
Properties, Form SS 04 78 is made a part of this
to any other Limit of Insurance that may be policy whether or not Business Income from provided by this policy for this coverage.

Dependent Properties coverage is indicated in
This Additional Coverage is subject to the the Declarations. provisions of Business Income Extension for
Properties to Be There is no requirement for Dependent
Off-Premises Utility Services, Form SS 04 19, Properties to be scheduled for the coverages with the exception of the Limit of Insurance provided by this Stretch endorsement to apply. provision contained in that form.

Income Extension for Off-Premises Utility Extended Business Income Services, Form SS 04 19 is made a part of this In the Extended Business Income Additional policy whether or not Business Income Coverage, paragraph 4j (1)(b)(ii) of the Extension for Off-Premises Utility Services Standard Property Coverage Form and coverage is indicated in the Declarations. paragraph 5.r.(1)(b)(ii) of the Special Property

2. Business Income Extension for Web Sites Coverage Form are amended to read as follows:

The following Additional Coverage is added: (b) 90 consecutive days after the date determined in (a) above.

We will pay up to $50,000 in any one occurrence
as a Limit of Insurance to cover loss of Business D. The following change applies only if your policy Income you sustain due to the necessary includes the Special Property Coverage Form. interruption of business operations caused by
resulting from direct physical loss or physical
damage to your Web Site operation at the

1. Precious Metal Theft Payment Changes (10)Commodity Stock The following changes apply to Limitation We will determine the value of merchandise A.4.c.: and raw materials that are bought and sold
a. In subparagraph (2), the most we will pay in at an established market exchange. We will any one occurrence for physical loss or determine the value at:
physical damage by theft of bullion, gold, (a) The posted market price as of the time silver, platinum and other precious alloys and place of loss; and metals is increased to $25,000. (b) Less discounts and expenses you b. In subparagraph (3), the most we will pay in otherwise would have had. any one occurrence for physical loss or (11)"Finished Stock" physical damage by theft of patterns, dies,
We will determine the value of goods that
molds, and forms, is changed to be included
within the Business Personal Property Limit you have manufactured at the selling price less discounts and expenses you otherwise
of Insurance.
would have had.

E. The following changes apply to Paragraph E.5.d.,
Loss Payment, of the Standard Property Coverage (12)Mercantile Stock - Sold Form and the Special Property Coverage Form: We will determine the value of goods you

1. Valuation Changes have sold but not delivered at the selling price less discounts and expenses you
The following are added to the Loss Payment otherwise would have had.

Property Loss Condition E.5.d.:

Form SS 04 88 09 07 Page 7 of 7
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

OFF-PREMISES UTILITY SERVICES - DIRECT DAMAGE
This endorsement modifies insurance provided under the following:

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
Except as otherwise stated in this endorsement, the B. ADDITIONAL DEFINITIONS terms and conditions of the policy apply to the 1. "Water Supply Services", meaning the insurance stated below. following types of property supplying water to the "scheduled premises":

A. DIRECT DAMAGE EXTENSION FOR OFF-
a. Pumping stations; and

PREMISES UTILITY SERVICES
b. Water mains.

This Coverage Extension applies only to the

2. "Communication Supply Services",
with a Utility Services Limit of Insurance. The meaning property supplying communication Utility Services Limit of Insurance is part of, not in services, including telephone, radio, addition to, the Limit of Insurance stated in the microwave or television services, including Declarations as applicable to the Covered overhead transmission lines to the "scheduled Property. premises", such as:
a. Communication transmission lines,
We will pay for direct physical loss of or physical
damage to Covered Property described in the including optic fiber transmission lines; Declarations caused by the interruption of utility b. Coaxial cables; and to the "scheduled premises" c. Microwave radio relays except satellites. interruption must result from direct physical loss or 3. "Power Supply Services", meaning the physical damage by a Covered Cause of Loss to following types of property supplying the following property, not on the "scheduled electricity, steam or gas, including overhead premises": transmission lines to the "scheduled

1. "Water Supply Services"; premises":

2. "Communication Supply Services"; or a. Utility generating plants;

3. "Power Supply Services". b. Switching stations;
c. Substations;
d. Transformers; and
e. Transmission Lines.

Form SS 40 18 07 05 Page 1 of 1
© 2005, The Hartford
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LIMITED FUNGI, BACTERIA OR VIRUS COVERAGE
This endorsement modifies insurance provided under the following:

SPECIAL PROPERTY COVERAGE FORM

STANDARD PROPERTY COVERAGE FORM

PERSONAL PROPERTY OF OTHERS

COMPUTERS AND MEDIA COVERAGE
A. Fungi, Bacteria or Virus Exclusions i. "Fungi", Wet Rot, Dry Rot, Bacteria And

1. Paragraph A.5.i.(5). of the Increased Cost of Virus
Construction Additional Coverage of the We will not pay for loss or damage caused Standard Property Coverage Form is replaced directly or indirectly by any of the by the following: following. Such loss or damage is
(5) Under this Additional Coverage, we excluded regardless of any other cause or will not pay for: event that contributes concurrently or in any sequence to the loss:
(a) The enforcement of any ordinance
or law which requires demolition, (1) Presence, growth, proliferation, repair, replacement, reconstruction, spread or any activity of "fungi", wet remodeling, or remediation of rot, dry rot, bacteria or virus. property due to contamination by (2) But if "fungi", wet rot, dry rot, bacteria "pollutants" or due to the presence, or virus results in a "specified cause of growth, proliferation, spread or any loss" to Covered Property, we will pay activity of "fungi", wet or dry rot, for the loss or damage caused by that bacteria or virus; or "specified cause of loss".
(b) Any costs associated with the This exclusion does not apply:
enforcement of an ordinance or
(1) When "fungi", wet or dry rot, bacteria
law which requires any insured or or virus results from fire or lightning; or others to test for, monitor, clean
up, remove, contain, treat, detoxify (2) To the extent that coverage is or neutralize, or in provided in the Additional Coverage - any way
respond to or assess the effects of Limited Coverage for "Fungi", Wet "pollutants", "fungi", wet or dry rot, Rot, Dry Rot, Bacteria and Virus with bacteria or virus. respect to loss or damage by a cause of loss other than fire or lightning.

2. The following exclusion is added to Paragraph
B.1. Exclusions of the Standard Property This exclusion applies whether or not the loss Coverage Form and the Special Property event results in widespread damage or affects a Coverage Form; Paragraph F., Additional substantial area.

Exclusions of Computers and Media, form B. The following Additional Coverage is added to SS 0441, and to form SS 04 45, Personal Paragraph A.4. of the Standard Property Coverage Property of Others: Form or Paragraph A.5. of the Special Property Coverage Form, and applies to the optional coverage
form SS 04 41, Computers and Media and SS 04 45,
Personal Property of Others and form:

Form SS 40 93 07 05 Page 1 of 3
© 2005, The Hartford

1. Limited Coverage For "Fungi", Wet Rot, (1) occurrences of "specified causes of Dry Rot, Bacteria and Virus loss" (other than fire or lightning); and a. The coverage described in 1.b. below only (2) Equipment Breakdown Accident that applies when the "fungi", wet or dry rot, occurs to Equipment Breakdown bacteria or virus is the result of one or Property;
more of the following causes that occurs which take place in a 12-month period during the policy period and only if all (starting with the beginning of the reasonable means were used to save and present annual policy period). preserve the property from further damage
at the time of and after that occurrence. With respect to a particular occurrence of loss which results in "fungi", wet or dry rot,
(1) A "specified cause of loss" other than
bacteria or virus, we will not pay more
fire or lightning; than the total of $50,000 unless a higher (2) Equipment Breakdown Accident Limit of Insurance is shown in the occurs to Equipment Breakdown Declarations, even if the "fungi", wet or dry Property, if Equipment Breakdown rot, bacteria, or virus continues to be applies to the affected premises. present or active, or recurs, in a later b. We will pay for loss or damage by "fungi", policy period. wet rot, dry rot, bacteria and virus. As d. The coverage provided under this Limited used in this Limited Coverage, the term Coverage does not increase the applicable loss or damage means: Limit of Insurance on any Covered (1) Direct physical loss or direct physical Property. If a particular occurrence results damage to Covered Property caused by in loss or damage by "fungi", wet rot, dry "fungi", wet rot, dry rot, bacteria or virus, rot, bacteria or virus, and other loss or including the cost of removal of the damage, we will not pay more, for the total "fungi", wet rot, dry rot, bacteria or virus; of all loss or damage, than the applicable Limit of Insurance on the affected Covered
(2) The cost to tear out and replace any part
Property.
of the building or other property
needed to gain access to the "fungi", wet If there is covered loss or damage to rot, dry rot, bacteria or virus; and Covered Property, not caused by "fungi", (3) The cost of testing performed after wet rot, dry rot, bacteria or virus, loss replacement payment will not be limited by the terms of removal, repair, or
restoration of the damaged property is this Limited Coverage, except to the extent completed, provided there is a reason that "fungi", wet or dry rot, bacteria or virus to believe that "fungi", wet rot, dry rot, causes an increase in the loss. Any such bacteria or virus are present. increase in the loss will be subject to the terms of this Limited Coverage.
c. Unless a higher Limit of Insurance is shown
in the Declarations for Limited "Fungi", e. The terms of this Limited Coverage do not Bacteria or Virus Coverage, the coverage increase or reduce the coverage for Water described under this Limited Coverage is no Damage provided under provision B.1.h., more than the Limit of Insurance stated in the Exclusion - Water Damage of the Standard Declarations for Building and Business Property Coverage Form or Additional Personal Property, but not greater than Coverage provision A.5.n., Water Damage, $50,000. Other Liquid, Powder or Molten Material
Damage of the Special Property Coverage
If form SS 04 41, Computers and Media, Form.
and form SS 04 45, Personal Property of
Others, are made a part of this policy, then f. The following applies only if a Time Element the Limits of Insurance for Computers and Coverage applies to the "scheduled Media, and Personal Property of Others is premises" and only if the suspension of included within this coverage limit. This "operations" satisfies all the terms and coverage is made applicable to separate conditions of the applicable Time Element "scheduled premises" as described in the Coverage.

Declarations. Regardless of the number (1) If the loss which resulted in "fungi", of claims, this limit is the most we will pay wet or dry rot, bacteria or virus does per "scheduled premises" for the total of not in itself necessitate a suspension all loss or damage arising out of all 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 Time Element Coverage is limited to
the amount of loss and expense sustained
in a period of not more than 30 days
another number of days
indicated in the Declarations. The days
need not be consecutive. 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 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.

C. Fungi Definition

1. "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.

Form SS 40 93 07 05 Page 3 of 3
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

TENANT'S LEGAL LIABILITY COVERAGE
This endorsement modifies insurance provided under the following:

BUSINESS LIABILITY COVERAGE FORM
A. The final paragraph of Section B. Exclusions, C. With respect to the premises shown in the ›aragraph 1. Applicable to Business Liabilit
; overage is deleted and replaced by the following paragraph 5. of Section Exclusions c., d., e., g., h., and k. through o. do not MEDICAL EXPENSES LIMITS OF INSURANCE is apply to "property damage" at the premises shown deleted. in the Declarations for Tenant's Legal Liability D. With respect to the premises shown in the Coverage which are rented to you or temporarily Declarations for Tenant's Legal Liability Coverage, occupied by you with the permission of the owner. the final paragraph of paragraph 2.b. of Section D.

B. Paragraph 3. Each Occurrence Limit (Section D. LIABILITY AND MEDICAL EXPENSES LIMITS OF LIABILITY AND MEDICAL EXPENSES LIMITS OF INSURANCE is deleted.

INSURANCE) is deleted and replaced by the
following with respect to the premises shown in the
Declarations for Tenant's Legal Liability Coverage:

3. Subject to paragraph 2. above, the most we will
pay under this endorsement for the sum of all
damages because of all "property damage"
arising out of any one "occurrence" to premises
hile rented to vou or temporarily occupied by
you with the permission of the owner is the
Tenant's Legal Liability Coverage Limit shown in
the Declarations.

Form SS 40 98 04 05 Page 1 of 1
© 2005, The Hartford
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

IDENTITY RECOVERY COVERAGE FOR BUSINESSOWNERS

AND EMPLOYEES

IDENTITY THEFT CASE MANAGEMENT SERVICE AND EXPENSE

REIMBURSEMENT
This endorsement modifies insurance provided under the following:

SPECIAL PROPERTY COVERAGE FORM
A The following is added to paragraph 5. Additional B. The following additional exclusions are added to Coverages (Section A. - Coverage): Section B. - Exclusions and apply to this coverage:

IDENTITY RECOVERY COVERAGE EXCLUSIONS
We will provide the Case Management Service and We do not cover loss or expense arising from any Expense Reimbursement Coverage indicated of the following:
below if all of the following requirements are met: 1. Theft of a professional or business identity.

1. There has been an "identity theft" involving the 2. Any fraudulent, dishonest or criminal act by an personal identity of "identity recovery
"identity recovery insured" or any person aiding
insured" under this policy; and or abetting an "identity recovery insured", or by

2. Such "identity theft" is first discovered by the any authorized representative of an "identity "identity recovery insured" during the policy recovery insured", whether acting alone or in period for which this Identity Recovery collusion with others. However, this exclusion coverage is applicable; and shall not apply to the interests of an "insured"

3. Such "identity theft" is reported to us as soon who has no knowledge of or involvement in as practicable but in no event later than 60 such fraud, dishonesty or criminal act. days after it is first discovered by the "identity 3. Loss other than "identity recovery expenses". recovery insured." 4. An "identity theft" that is first discovered by the If all three of the requirements listed above have "identity recovery insured" prior to or after the been met, then we will provide the following to the policy period for which this coverage applies. "identity recovery insured": This exclusion applies whether or not such "identity theft" began or continued during the

1. Case Management Service
period of coverage.

Services of an "identity recovery case
manager" as needed to respond to the "identity 5. An "identity theft" that is not reported to us theft", and within 60 days after it is first discovered by the "identity recovery insured."

2. Expense Reimbursement
Reimbursement of necessary and reasonable 6. An "identity theft" that is not reported in writing to the police.
"identity recovery expenses" incurred as a
direct result of the "identity theft."
This coverage is additional insurance.

Form SS 41 12 12 17 Page 1 of 3
© 2017, The Hartford
C. LIMITS OF INSURANCE E. The following additional conditions are added to

1. Case Management Service is available as Section F. - Property General Conditions and apply needed for any one "identity theft" for up to 12 to this coverage:
consecutive months from the inception of the CONDITIONS service. Expenses we incur to provide Case

1. Assistance and Claims
Management Service do not reduce the
amount of limit available for Expense For assistance, the "identity recovery insured" Reimbursement coverage. should call the Identity Recovery Help Line at 1-866-989-2905.

2. Expense Reimbursement coverage is subject
to a limit of $15,000 annual aggregate per The Identity Recovery Help Line can provide "identity recovery insured." Regardless of the the "identity recovery insured" with:
number of claims, this limit is the most we will a. Information and advice for how to respond pay for the total of all loss or expense arising to a possible "identity theft"; and out of all "identity thefts" to any one "identity b. Instructions for how to submit a service recovery insured" which are first discovered by
the "identity recovery insured" during a 12- request for Case Management Service and/or a claim form for Expense
month period starting with the beginning of the
present annual policy period. If an identity Reimbursement Coverage. theft" is first discovered in one policy period In some cases, we may provide Case and continues into other policy periods, all loss Management services at our expense to an and expense arising from such "identity theft" "identity recovery insured" prior to a will be subject to the aggregate limit applicable determination that a covered "identify theft" has to the policy period when the "identity theft" was occurred. Our provision of such services is not first discovered. an admission of liability under the policy. We reserve the right to deny further coverage or
a. Legal costs as provided under paragraph d.
service if, after investigation, we determine that
of the definition of "identity recovery
expenses" are part of, and not in addition to, a covered "identify theft" has not occurred. the Expense Reimbursement coverage limit. As respects Expense Reimbursement Coverage, the "identity recovery insured" must
b. Lost Wages and Child and Elder Care
send to us, within 60 days after our request,
Expenses as provided under paragraphs e. receipts, bills or other records that support his and f. of the definition of "identity recovery or her claim for "identity recovery expenses." are jointly subject to a sublimit of $250 per
day, not to exceed $5,000 in total. This 2. Services
sublimit is part of, and not in addition to, The following conditions apply as respects any the Expense Reimbursement coverage services provided by us or our designees to limit. Coverage is limited to lost wages and any "identity recovery insured" under this expenses incurred within 12 months after endorsement:
the first discovery of the "identity theft" by a. Our ability to provide helpful services in the the "identity recovery insured". event of an "identity theft" depends on the c. Mental Health Counseling as provided cooperation, permission and assistance of under paragraph g. of the definition of the "identity recovery insured." "identity recovery expenses" is subject to a b. All services may not be available or sublimit of $1,000. This sublimit is part of, applicable to all individuals. For example, and not in addition to, the Expense "identity recovery insureds" who are minors or Reimbursement coverage limit. Coverage foreign nationals may not have credit records is limited to counseling that takes place that can be provided or monitored. Service in within 12 months after the first discovery of Canada will be different from service in the "identity theft" by the "identity recovery United States and Puerto Rico in accordance insured". with local conditions.

D. DEDUCTIBLE c. We do not warrant or guarantee that our Case Management Service is not subject to a services will end or eliminate all problems deductible. associated with an "identity theft" or
Expense Reimbursement coverage is subject to a prevent future "identity thefts." deductible of $250. Any one "identity recovery
insured" shall be responsible for only one
deductible under this Identity Recovery Coverage
during any one policy period.

F. With respect to the provisions of this endorsement (2) Removing any civil judgment only, the following definitions are added to Section wrongfully entered against an "identity G. - Property Definitions: recovery insured" as a result of the DEFINITIONS "identity theft."

1. "Identity Recovery Case Manager" means one e. Lost Wages or more individuals assigned by us to assist an Actual lost wages of the "identity recovery "identity recovery insured" with insured" for time reasonably and communications we deem necessary for re- necessarily take away from work and away establishing the integrity of the personal identity from the work premises. Time away from of the "identity recovery insured." This includes, work includes partial or whole work days. with the permission and cooperation of the Actual lost wages may include payment for "identity recovery insured," written and vacation days, discretionary days, floating telephone communications with law holidays and paid personal days. Actual enforcement authorities, governmental lost wages does not include sick days or agencies, credit agencies and individual any loss arising from time taken away from creditors and businesses. self employment. Necessary time off does

2. "Identity Theft" means the fraudulent use of the not include time off to do tasks that could security number or other method of reasonably have been done during non- social
identifying an "identity recovery insured." This working hours. includes fraudulently using the personal identity f. Child and Elder Care Expenses of an "identity recovery insured" to establish Actual costs for supervision of children or credit accounts, secure loans, enter into elderly or infirm relatives or dependents of contracts or commit crimes. the "identity recovery insured" during time "Identity theft" does not include the fraudulent reasonably and necessarily taken away use of a business name, d/b/a or any other from such supervision. Such care must be method of identifying a business activity. provided by a professional care provider

3. who is not a relative of the "identity
"Identity Recovery Expenses" means the
recovery insured".
following when they are reasonable and
necessary expenses that are incurred in the g. Mental Health Counseling United States or Canada as a direct result of Actual costs for counseling from a licensed an "identity theft": mental health professional. Such care a. Costs for re-filing applications for loans, must be provided by a professional care grants or other credit instruments that are provider who is not a relative of the "identity rejected solely as a result of an "identity theft." recovery insured". b. Costs for notarizing affidavits or other 4. "Identity Recovery Insured" means the similar documents, long distance telephone following:
calls and postage solely as a result of your a. A full time employee of the entity insured efforts to report an "identity theft" or amend under this policy; or or rectify records as to your true name o
dentity as a result of an "identity theft." b. The owner of the entity insured under this policy who meets any of the following
Costs for up to twelve (12) credit reports criteria:
from established credit bureaus dated
within 12 months after your knowledge or (1) A sole proprietor of the insured entity; discovery of an "identity theft." (2) A partner in the insured entity; or d. Legal Costs (3) An individual having an ownership
position of 20% or more of the insured
Fees and expenses for an attorney
approved by us for: entity
(1) Defending any civil suit brought against An "identity recovery insured" must always be an "identity recovery insured" by a an individual person. The entity insured under this policy is not an "identity recovery insured."
creditor or collection agency or entity
acting on behalf of a creditor for non- All other provisions of this policy apply. payment of goods or services or
default on a loan as a result of an
"identity theft"; and
Form SS 41 12 12 17 Page 3 of 3
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

BUILDING LIMIT- AUTOMATIC INCREASE REVISION
This endorsement modifies insurance provided under the following:

SPECIAL PROPERTY COVERAGE FORM

STANDARD PROPERTY COVERAGE FORM
Except as otherwise stated in this endorsement, the
terms and conditions of the policy apply to the insurance A Paragraph C.5 Building Limit-Automatic Increase the Limit of Insurance for Buildings, divided of the SPECIAL PROPERTY COVERAGE FORM or by 365.

STANDARD PROPERTY COVERAGE FORM is Example:
deleted. The applicable Limit of Insurance for Buildings is B. The following is added to Additional Coverages, $100,000. The automatic increase percentage is paragraph A.5 of the SPECIAL PROPERTY 8%. The number of days since the beginning of COVERAGE FORM or paragraph A4. of the the policy period (or last policy change) is 146.

STANDARD PROPERTY COVERAGE FORM: The amount of increase is:

Building Limit - Automatic Increase $100,000 X .08 X 146 divided by 365 = $3,200 a. If the 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 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
ipplied on the most recent of the polic
nception date, policy anniversary date, o
he date of
amending the Building limit, mutiplied bang
(2) The 8% annualized percentage of Automatic
Increase, expressed as a decimal
(08), multiplied by
Form SS 41 51 10 09 Page 1 of 1
© 2009, The Hartford
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

AMENDMENT - DEFINITION OF INSURED CONTRACT
This endorsement modifies insurance provided under the following:

BUSINESS LIABILITY COVERAGE FORM
Paragraph f. of the definition of "insured contract in the Liability And Medical Expenses Definitions Section is replaced by the following:
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 primary cause of the injury or damage; or
(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.

Form SS 41 63 06 11 Page 1 of 1
© 2011, The Hartford
(Includes copyrighted material of Insurance Services Office, Inc. with its permission.) THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

PERILS SPECIFICALLY EXCEPTED
As used herein, "Peril" means a cause of physical loss or This exception A. does not reduce the insurance for damage to property. It has this meaning whether or not it loss or damage caused directly by a Covered Peril. is called a "Peril" or a "Cause of Loss" in this policy. As used in this endorsement:

Even if any of the terms of this policy might be construed otherwise, the following Perils, as described in Paragraphs 1. If this policy is written to cover the risk of loss from A. and B. below, are SPECIFICALLY EXCEPTED FROM specifically named causes. "Covered Peril" THIS POLICY. WE DO NOT COVER OR INSURE DAMAGEOVERCEPTED means any Peril specifically named as covered; or AGAINST LOSS OR DAMAGE DIRECTLY OR 2. If written to cover the risk of loss without INDIRECTLY CAUSED BY, RESULTING FROM, specifying specifically named causes "Covered CONTRIBUTED TO OR AGGRAVATED BY, OR WHICH Peril" means any Peril not described above and WOULD NOT HAVE OCCURRED BUT FOR, EITHER OF not otherwise excluded or excepted from the THESE PERILS: causes of loss covered by this policy.

A. ACTS, ERRORS OR OMISSIONS by you or others in: B. COLLAPSE, "CRACKING" OR "SHIFTING" of

1. Planning, zoning, developing, surveying, testing or buildings, other structures or facilities, or their parts, if siting property; the collapse, "cracking" or "shifting":

2. Establishing or enforcing any building code, or any 1. Occurs during "earth movement," "volcanic standard, ordinance or law about the construction, eruption" or "flood" conditions or within 72 hours use or repair of any property or materials, or after they cease; and requiring the tearing down of any property, 2. Would not have occurred but for "earth including the removal of its debris; movement," "volcanic eruption" or "flood."

3. The design, specifications, workmanship, repair,
But if loss or damage by a covered Peril ensues at the
construction, renovation, remodeling, grading or
covered premises, we will pay for that ensuing loss or
compaction of all or any part of the following:
damage.
a. Land or buildings or other structures;
This exception B. applies whether or not there are
b. Roads, water or gas mains, sewers, drainage other provisions in this policy relating to collapse, ditches, levees, dams, or other facilities; or "cracking" or "shifting" of buildings, other structures or c. Other improvements or changes in or facilities, or their parts. Any such provision is revised additions to land or other property. by this endorsement to include this exception.

4. The furnishing of work, materials, parts or But if this policy specifically covers (by endorsement or in equipment in connection the design, any other way) loss or damage caused by one or more of specifications, workmanship, repair, construction, the following Perils:
renovation, remodeling, grading or compaction of 1. Earthquake; any of the above property or facilities; or

2. Flood;

5. The maintenance of any of such property or 3. Volcanic action; facilities.

4. Volcanic eruption; or
This exception A. applies whether or not the property 5. Sinkhole collapse, or facilities described above are:
this exception B. will not reduce that coverage.

1. Covered under this policy; or
As used in this exception B.:

2. On or away from the covered premises.

Form IH 10 01 09 86 Printed in U.S.A. Page 1 of 2
Copyright, Hartford Fire Insurance Company, 1986

1. "Cracking" means cracking, separating, shrinking, 5. "Volcanic eruption" means the eruption, explosion bulging, or expanding; or effusion of a volcano. It does not include

2. "Shifting" means shifting, rising, settling, sinking, volcanic action if loss by volcanic action is or lateral or other movement; specifically covered in this policy;

6. "Flood" means:

3. "Earth movement" means any earth movement,
including but not limited to "earthquake," landslide, a. Flood, surface water, waves, tides, tidal water, mudflow, erosion, contraction or expansion, tidal waves, high water, and overflow of any subsidence, any movement of earth resulting from body of water, or their spray, all whether water combining with the ground or soil, and any driven by wind or not; other "shifting" of earth; all whether or not b. Release of water held by a dam, levy or dike combined with "flood" or "volcanic eruption." It or by a water or flood control device; does not include sinkhole collapse if loss by
sinkhole collapse is specifically covered in this c. Water that backs up from a sewer or drain; or d. Water under the ground surface pressing on,

4. "Earthquake" means a shaking or trembling of the or flowing, leaking or seeping through:
earth's crust, caused by underground volcanic or (1) Foundations, tectonic forces or by breaking or "shifting" of rock surfaces; beneath the surface of the ground from natural (2) Basements, whether paved or not; or causes. An "Earthquake" includes all related
(3) Doors, windows or other openings.
shocks and after shocks;
Form IH 10 01 09 86 Printed in U.S.A. Page 2 of 2
Copyright, Hartford Fire Insurance Company, 1986
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - NUCLEAR ENERGY LIABILITY

1. This insurance does not apply: (3) The injury or damage arises out of the a. To any injury or damage: furnishing by any insured of any "technology services" in connection with the planning,
(1) With respect to which an insured under the construction, maintenance, operation or use policy is also an insured under a nuclear of any "nuclear facility"; or energy liability policy issued by Nuclear
Energy Liability Insurance Association. (4) The injury or damage arises out of the Mutual Atomic Energy Liability Underwriters furnishing by or Nuclear Insurance Association of
Canada, or any of their successors, or the planning,
would be an insured under any such policy maintenance, operation or use of any but for its termination upon exhaustion of its "nuclear facility"; but if such facility is located limit of liability; or within the United States of America, its territories or possessions or Canada, this
(2) Resulting from the "hazardous properties" of exclusion (4) applies only to "property "nuclear material" and with respect to which: damage" to such "nuclear facility" and any (a) Any person or organization is required property thereat. to maintain financial protection pursuant 2. As used in this exclusion:
to the Atomic Energy Act of 1954, or any
law amendatory thereof; or a. "Byproduct material", "source material" and "special nuclear material" have the meanings
(b) The insured is, or had this policy not given them in the Atomic Energy Act of 1954 or been issued would be, entitled to
in any law amendatory thereof.
indemnity from the United States of
America, or any agency thereof, under b. "Computer system and network" means:
any agreement entered into by the (1) Leased or owned computer hardware United States of America, or any agency including mobile, networked, and data thereof, with any person or organization. storage computing equipment; b. Under any Medical Payments or Medical (2) Owned or licensed software; Expenses Coverage, to expenses incurred with
(3) Owned websites;
respect to "bodily injury" resulting from the
"hazardous properties" of "nuclear material" and (4) Leased or owned wireless input and output arising out of the operation of a "nuclear facility" devices; and by any person or organization. (5) Electronic backup facilities and data storage c. To any injury or damage resulting from the repositories employed in conjunction with "hazardous properties" of "nuclear material"; if: items 1 through 4 above. (1) The "nuclear material": c. "Hazardous properties" include radioactive, toxic (a) Is at any "nuclear facility" owned by, or or explosive properties. operated by or on behalf of, an insured; d. "Nuclear facility" means:
or (1) Any "nuclear reactor";
(b) Has been discharged or dispersed (2) Any equipment or device designed or used therefrom; for:
(2) The "nuclear material" is contained in "spent (a) Separating the isotopes of uranium or fuel" or "waste" at any time possessed, plutonium;
handled, used, processed, stored,
transported or disposed of by or on behalf of (b) Processing or utilizing "spent fuel"; or an insured; or (c) Handling, processing or packaging
"waste",
Form SS 05 47 09 15 Page 1 of 2
© 2015, The Hartford
(3) Any equipment or device used for the b. Integration of systems; processing, fabricating or alloying of "special :. Processing of, management of, minin nuclear material" if at any time the total or warehousing of data:
amount of such material in the custody of
the insured at the premises where such d. Administration, management, operation eduipment or device is located consists of or or hosting of: another party's systems, contains more than 25 grams of plutonium technology or computer facilities; or uranium 233 or any combination thereof, e. Website development; website hosting; or more than 250 grams of uranium 235; f. Internet access services; intranet, (4) Any structure, basin, excavation, premises extranet or electronic information or place prepared or used for the storage or connectivity services; software disposal of "waste"; application connectivity services; and includes the site on which any of the g. Manufacture, sale, licensing, foregoing is located, all operations conducted on distribution, or marketing of: software, such site and all premises used for such wireless applications, firmware, operations. shareware, networks, systems,
e. "Nuclear material" means "byproduct material", hardware, devices or components; "source material" or "special nuclear material". h. Design and development of: code, f. "Nuclear reactor" means any apparatus software or programming; designed or used to sustain nuclear fission in a i. Providing software application:
self-supporting chain reaction or to contain a services, rental or leasing; critical mass of fissionable material.
j. Screening, selection, recruitment or
property damage" includi placement of candidates for temporary or permanent employment by others as
property. information technology professionals;
h. "Spent fuel" means any fuel element or fuel k. "Telecommunication services"; and component, solid or liquid, which has been used I. "Telecommunication products". or exposed to radiation in a "nuclear reactor".
i. "Technology services" means: 2. web-related software and connectivity services performed for others; and

1. the following services performed for others: 3. activities on the "named insured's" a. Consulting, analysis, design, installation. "computer system and network". training, maintenance, support and
repair of or on: software, wireless
applications, firmware, shareware,
networks, systems, hardware, devices
or components;

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

EXCLUSION - UNMANNED AIRCRAFT (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 to the insurance stated below.

A COVERAGE
Paragraph A.2., Property Covered, "Unmanned aircraft" includes equipment Subparagraph a. is deleted and replaced with the designed for and used exclusively with the following: "unmanned aircraft", provided such equipment is essential for operation of the "unmanned
a. Aircraft (including "unmanned aircraft"), aircraft" or for executing "unmanned aircraft automobiles, motor trucks and other operations".
vehicles subject motor vehicle
registration. 2. The following definition is added:

C. DEFINITIONS "Unmanned aircraft operations" means your business activities in support of the specific
The following changes are made to Section G., operations listed in the Description of Business PROPERTY DEFINITIONS: section of the Declarations.

1. The following definition is added:
"Unmanned aircraft" means an aircraft that is
not:
a. Designed;
b. Manufactured; or
c. Modified after manufacture
Form SS 51 11 03 17 Page 1 of 1
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

CAP ON LOSSES FROM CERTIFIED ACTS OF TERRORISM
This endorsement modifies insurance provided under the following:

BUSINESS LIABILITY COVERAGE FORM

OWNERS AND CONTRACTORS PROTECTIVE LIABILITY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM

STANDARD PROPERTY COVERAGE FORM

UMBRELLA LIABILTY PROVISIONS
A Disclosure Of Federal Share Of Terrorism Losses 2. The act results in damage within the United The United States Department of the Treasury will States, or outside the United States in the case reimburse insurers for a portion of such insured of certain air carriers or vessels or the premises losses, as indicated in the table below that exceeds of an United States mission; and the applicable insurer deductible: 3. The act is a violent act or an act that is Calendar Year Federal Share of dangerous life, property or Terrorism Losses infrastructure and is committed by an individual or individuals acting as part of an effort to coerce
2015 85%
the civilian population of the United States or to
2016 84% influence the policy or affect the conduct of the 2017 83% United States Government by coercion.
2018 82% If aggregate industry insured losses attributable to "certified acts of terrorism" under TRIA exceed $100
2019 81%
billion in a calendar year, and we have met, or will
2020 or later 80% meet, our insurer deductible under TRIA, we shall not be liable for the payment of any portion of the
However, if aggregate industry insured losses, amount of such losses that exceed $100 billion. In attributable to "certified acts of terrorism" under the such case, your coverage for terrorism losses may federal Terrorism Risk Insurance Act, as amended be reduced on a pro-rata basis in accordance with (TRIA), exceed $100 billion in a calendar year, the procedures established by the Treasury, based on Treasury shall not make any payment for any its estimates of aggregate industry losses and our estimate that we will exceed our insurer deductible.
my premum for thor pation l In accordance with the Treasury's procedures, amounts paid for losses may be subject to further
covering terrorism losses. adjustments based on differences between actual B. Cap On Insurer Liability for Terrorism Losses losses and estimates.

A "certified act of terrorism" means an act that is C. Application Of Exclusions certified by the Secretary of the Treasury, in The terms and limitations of any terrorism exclusion, accordance with the provisions of federal Terrorism
the inapplicability or omission of a terrorism
Risk Insurance Act, to be an act of terrorism under
exclusion, or the inclusion of terrorism coverage, do
TRIA. The criteria contained in TRIA for a "certified
act of terrorism" include the following: not serve to create coverage for any loss which would otherwise be excluded under this Coverage

1. The act results in insured losses in excess of $5 Form or Policy, such as losses excluded by the million in the aggregate, attributable to all types Pollution Exclusion, Nuclear Hazard Exclusion and of insurance subject to TRIA; and the War And Military Action Exclusion.

Form SS 50 19 01 15 Page 1 of 1
© 2015, The Hartford
(Includes copyrighted material of Insurance Services Office, Inc. with its permission) POLICY NUMBER: 57 SBA RG8019
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED - OWNER, LESSEES OR CONTRACTOR

ONGOING OPERATIONS AND COMPLETE OPERATIONS
LOC 001 BLDG 001

THE CITY OF ALAMEDA, IT'S CITY COUNCIL, BOARDS AND COMMISSIONS,

OFFICERS, EMPLOYEES AND VOLUNTEERS

CITY OF ALAMEDA PUBLIC WORKS DEPARTMENT
950 WEST MALL SQUARE, ROOM 10
ALAMEDA, CA 94501
Form IH 12 00 11 85 T SEQ. NO. 002 Printed in U.S.A. Page 001 Process Date: 08/05/21 Expiration Date: 10/24/22
POLICY NUMBER: 57 SBA RG8019
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

ADDITIONAL INSURED - PERSON-ORGANIZATION

CITY OF ALAMEDA PUBLIC WORKS DEPARTMENT
950 WEST MALL SQUARE, ROOM 10
ALAMEDA, CA 94501
RE: 3215 ENCINAL AVENUE
ALAMEDA, CA 94501
LOC 001 BLDG 001

JABER CHILDERN'S NON-EXEMPT TRUST
2801 ENCINAL AVE
ALAMEDA, CA 94501
Form IH 12 00 11 85 T SEQ. NO. 003 Printed in U.S.A. Page 001 Process Date: 08/05/21 Expiration Date: 10/24/22
POLICY NUMBER: 57 SBA RG8019
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LOSS PAYEE
LOC 001 BLDG 001

MARLIN BUSINESS BANK

C/O INSURANCE SERVICE CENTER
PO BOX 367
MARLTON NJ 08053
RE: PHONE SYSTEM
EQUIPMENT COST: 7400
Form IH 12 00 11 85 T SEQ. NO. 004 Printed in U.S.A. Page 001 Process Date: 08/05/21 Expiration Date: 10/24/22
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

LOSS PAYABLE PROVISIONS
This endorsement modifies insurance provided under the following:

COMMON POLICY CONDITIONS

STANDARD PROPERTY COVERAGE FORM

SPECIAL PROPERTY COVERAGE FORM
The following is added to the Standard or Special Property c. If we deny your claim because of your acts or Coverage Form PROPERTY LOSS CONDITION, as because you have failed to comply with the shown in the Declarations by description of location, terms of this policy, the Loss Payee will still property, name and address of loss payee and the have the right to receive loss payment if the following applicable Loss Payable Provision (A, B or C): Loss Payee:

A. LOSS PAYABLE (1) Pays any premium due under this policy For Covered Property in which both you and a Loss at our request if you have failed to do so; Payee shown in the Declarations have an insurable (2) Submits a signed, sworn proof of loss interest, we will: within 60 days after receiving notice from

1. Adjust losses with you; and us of your failure to do so; and

2. Pay any claim for loss or damage jointly to you (3) Has notified us of any change in and the Loss Payee, as interests may appear. ownership, occupancy or substantial change in risk known to the Loss Payee.

B. LENDER'S LOSS PAYABLE
All the terms of the Property Coverage Form

1. The Loss Payee shown in the Declarations is a will then apply directly to the Loss Payee. creditor (including a mortgageholder or trustee)
with whom you have entered a contract for the d. If we pay the Loss Payee for any loss or sale of Covered Property, whose interest in that damage and deny payment to you because of Covered Property is established by such written your acts or because you have failed to contracts as: comply with the terms of this policy:
a. Warehouse receipts; (1) The Loss Payee's rights will be transferred to us to the extent of the
b. A contract for deed; amount we pay; and
c. Bills of lading; or (2) The Loss Payee's right to recover the full d. Financing statements. amount of the Loss Payee's claim will not be impaired.

2. For Covered Property in which both you and a
Loss Payee have insurable interest: At our option, we may pay to the Loss Payee the a. We will pay for covered loss or damage to whole principal on the debt plus any accrued each Loss Payee in their order of precedence, interest. In this event, you will pay your as interests may appear. remaining debt to us.

3. If we cancel this policy, we will give written notice b. The Loss Payee has the right to receive loss to the Loss Payee at least:
payment even if the Loss Payee has
started foreclosure for similar action on the a. 10 days before the effective date of Covered Property. cancellation if we cancel for your nonpayment of premium; or
Form SS 12 12 03 92 Printed in U.S.A. (NS) Page 1 of 2
Copyright, Hartford Fire Insurance Company, 1992
b. 30 days before the effective date of b. Pay any claim for loss or damage jointly to cancellation if we cancel for any other reason. you and the Loss Payee, as interests may

4. If we do not renew this policy, we will give written appear. notice to the Loss Payee at least 10 days before 3. The following is added to the OTHER the expiration date of this policy. INSURANCE Common Policy Condition:

C. CONTRACT OF SALE For Covered Property that is the subject of a

1. The Loss Payee shown in the Declarations is a contract of sale, the word "you" includes the Loss Payee.
person or organization you have entered
contract with for the sale of Covered Property.

2. For Covered Property in which both you and the
Loss Payee have an insurable interest, we will:
a. Adjust losses with you; and

Copyright, Hartford Fire Insurance Company, 1992
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 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 IH 99 40 04 09 Page 1 of 1
THE S

HARTFORD
Named Insured: STELLAR MEDIA GROUP, INC.

Policy Number: 57 SBA RG8019
Effective Date: 10/24/21 Expiration Date: 10/24/22
Company Name: SENTINEL INSURANCE COMPANY, LIMITED
THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY.

TRADE OR ECONOMIC SANCTIONS ENDORSEMENT
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 IH 99 41 04 09 Page 1 of 1

THE HARTFORD

BUSINESS SERVICE CENTER
THE . 3600 WISEMAN BLVD
HARTFORD SAN ANTONIO TX 78251 January 24, 2022
MAHONEY WALKER INS AGENCY LLC / 57101733
1138 BALLENA BLVD SUITE E
ALAMEDA CA 94501
Policy Information:

Contact Us
Policy Holder Details Business Service Center
STELLAR MEDIA GROUP, INC. Business Hours: Monday - Friday Policy Number Policy Term (7AM - 7PM Central Standard Time) Phone: (866) 467-8730
57 WEC PH6358 03/04/22 to 03/04/23 Fax: (888) 443-6112
Email: [email protected]
Additional Information: Website: www.thehartford.com
Producer's Name: MAHONEY WALKER INS AGENCY LLC
Producer's Code: 57101733
Producer's Fact Sheet
Account Details:

Account Number: 14706890
Payor: Insured
Bill Frequency: Ten Pay (25%[email protected]%)
Transaction Type: Renewal
Total Estimated Annual Premium: $1,690
WCP00040 Page 1
Commission Breakdown:

Line of Business Estimated Annual Premium Commission Percentage Workers Compensation - Premium subject to
Commission $1,349.00 10.0
Expense Constant $200.00
Terrorism & DTEC $46.00
CA Uninsured Employers Benefit Trust Fund $2.00
CA Subsequent Injuries Benefit Trust Fund
$28.00
Assessments
CA User Fund $31.00
CA Occupational Safety & Health Fund $15.00
CA Labor Enforcement & Compliance Fund $11.00
CA Fraud $8.00
Total $1,690.00
**The Commission Rate is Tentative and Subject to Adjustment** Forms Details:

Form Number Form Description
100722 INSURANCE POLICY BILLING INFORMATION
97485 AN IMPORTANT MESSAGE TO WORKERS COMPENSATION POLICYHOLDERS 98456 MAINTAINING YOUR PAYROLL RECORDS FOR AUDIT PURPOSES G-3418-0 PRODUCER COMPENSATION NOTICE
PN049901H POLICYHOLDER NOTICE - YOUR RIGHT TO RATING AND DIVIDEND INFORMATION PN049902B POLICYHOLDER NOTICE
PN049906D Payroll Record and Audit Requirements for Dual Wage Construction or Erection Classifications
WC000000C WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC000001A.1 INFORMATION PAGE
WC000001A.2 INFORMATION PAGE

TERRORISM RISK INSURANCE PROGRAM REAUTHORIZATION ACT DISCLOSURE WC000422C

ENDORSEMENT
WC040301BB POLICY AMENDATORY ENDORSEMENT - CALIFORNIA
WC040303C OFFICERS AND DIRECTORS COVERAGE/EXCLUSION ENDORSEMENT - CALIFORNIA WC040360B EMPLOYERS LIABILITY COVERAGE AMENDATORY ENDORSEMENT - CALIFORNIA WC040421 OPTIONAL PREMIUM INCREASE ENDORSEMENT - CALIFORNIA WC040422 CALIFORNIA SHORT-RATE CANCELLATION ENDORSEMENT WC040601A CALIFORNIA CANCELLATION ENDORSEMENT
WC550011D Employees Claim for Workers compensation Benefits WC660015A CALIFORNIA - STUFFER
WC660156B WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY QUICK WCP00040 Page 2
Form Number Form Description

REFERENCE

NOTICE TO POLICYHOLDER - CALIFORNIA WORKERS' COMPENSATION INSURANCE WC660205A

RATING LAWS
WC660330N CUSTOMER PRIVACY NOTICE
WC660384 HARTFORD LOSSCONNECT STUFFER
WC8804001 Notice to Employees - Injuries Caused By Work (TITLE IN SPANISH) WC8804011 Notice to Employees - Injuries Caused By Work WC880405D WORKERS' COMPENSATION - WRITTEN NOTICE TO NEW EMPLOYEES

WORKERS' COMPENSATION - WRITTEN NOTICE TO NEW EMPLOYEES (TITLE IN WC880406D

SPANISH)
WC880407D Complete Written Employee Notification Re: Medical Provider Network WC990001J Signature/Copyright

WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY BUSINESS INSURANCE WC990002
POLICY
WC990005 SCHEDULE OF OPERATIONS
WC990188 COVID-19 REPORTING REQUIREMENT ENDORSEMENT - CALIFORNIA WC990302B WORKERS COMPENSATION BROAD FORM ENDORSEMENT

AMENDMENT TO WORKERS COMPENSATION BROAD FORM ENDORSEMENT - WC990358B

EMPLOYERS LIABILITY STOP GAP COVERAGE
WC990365 EXTENSION OF THE INFORMATION PAGE - ITEM 1 - NAMED INSURED WC990368 EXTENSION OF THE INFORMATION PAGE - ITEM 3.D. - ENDORSEMENTS WC990375 CALIFORNIA INSTALLMENT FEE DISCLOSURE ENDORSEMENT WCP00040 Page 3